Insurance Providers by Country with Logos and Websites
European Insurance Companies
European Insurance Company Logos: Directory by Country – Worldwide Insurance Company Logos by Country. Explore insurers in European countries and get key info to choose the best insurance
Welcome to your comprehensive guide to insurance in Belgium. Whether you’re a local resident or an expatriate, navigating the insurance landscape can be complex. We’ve compiled a list of the top Belgian insurance companies, including multinational giants and specialized local providers, to help you find the best coverage for your needs. Explore our list, read short descriptions of each company’s services, and find the perfect policy for you, your family, or your business
Belgian Insurance Companies by Category
Click on the logos of the insurers to obtain a bunch of updated information offering each insurer from Belgium. Our goal is to help you find the best insurance. These companies offer a wide range of products, from basic car and home insurance to comprehensive life and investment policies.
All
General & life providers
Health Insurance Providers
Global Specialty Risks
Insurance Brokers & Risk Advisors
Other Financial Institutions (Banks)
Global reinsurers
AG Insurance
Offers a wide range of life and non-life insurance, serving both individual and corporate client
General & life providers
AXA
A global insurer providing a wide array of solutions including auto, home, life, and health.
General & life providers
KBC Insurance Company
Offers diverse insurance, integrating banking and insurance services for comprehensive financial solutions
General & life providers
Ethias
A prominent Belgian insurer known for offerings in the public sector, including health, life, and property.
General & life providers
Belfius
A subsidiary of Belfius Bank, offers a broad spectrum of integrated life, health, property, and casualty products.
General & life providers
Allianz Trade
A global leader in assistance services and travel insurance, covering trip cancellations and medical emergencies.
General & life providers
Allianz
A global leader offering comprehensive life and general policies, known for strong customer service.
General & life providers
VOYA
Provides retirement, investment, and insurance products and services to individual and institutional customers.
General & life providers
NN
An international financial services company, offers a wide range of insurance, pensions, and asset management services.
General & life providers
AIG
A global insurer providing diverse commercial, financial lines, and personal accident coverage.
General & life providers
Pru part of M&G plc.
Focuses on long-term savings, investment management, and retirement solutions for clients
General & life providers
HDI
A German-backed global insurer providing a broad range of industrial and commercial insurance solutions.
General & life providers
RSA GROUP
Provides general insurance products and services, including car, home, and commercial insurance.
General & life providers
Legal & General
Offers a variety of investment and insurance solutions, often focusing on asset management and retirement products.
General & life providers
Baloise
A major European insurer offering a full range of life, non-life, and pension products.
General & life providers
Zurich
A global insurance company providing a wide range of general and life insurance products.
General & life providers
Cigna
A global health service company offering health, dental, life, and accident insurance coverage.
General & life providers
GLOBALITY HEALTH
Specializes in premium international health insurance for expatriates, serving individuals and corporate groups.
Health Insurance Providers
Chubb
Provides specialized commercial property and casualty insurance, as well as coverage for high-net-worth individuals.
Global Specialty Risks
P&V Groep
A Belgian cooperative insurer providing comprehensive coverage for individuals, families, and businesses.
General & life providers
Ageas
An international insurance group with a strong presence in Europe and Asia, offering life and non-life insurance.
General & life providers
Bupa
Offers international private medical insurance, providing comprehensive health coverage for expatriates and globally mobile people.
Health Insurance Providers
Now Health
Specializes in premium international health insurance for expats, families, and companies worldwide.
Health Insurance Providers
Clements
Provides international insurance solutions to expats, offering specialized coverage for mobile individuals and organizations.
Health Insurance Providers
TOKIO MARINE HCC
Offers a wide range of specialty insurance products, including professional liability and marine insurance.
Global Specialty Risks
VIVIUM
A brand of P&V, provides a wide range of life, non-life, and employee benefits insurance.
General & life providers
Arag
A specialist in legal protection insurance, providing comprehensive coverage for legal fees and costs.
Global Specialty Risks
AXA XL
Focuses on providing specialty insurance and reinsurance solutions for large and multinational corporations.
Global Specialty Risks
BHSI
Provides commercial property, casualty, executive lines, and other specialty insurance for complex risks.
Global Specialty Risks
Swiss Re
One of the world's leading providers of reinsurance, insurance, and other forms of insurance-based risk transfer.
Global reinsurers
Hannover RE
A major global reinsurer offering a broad range of property, casualty, life, and health reinsurance.
Global reinsurers
Coface
Specializes in business trade credit insurance, protecting companies against non-payment of commercial debts
Global Specialty Risks
Atradius
A global provider of trade credit insurance, surety, and collections services for businesses.
Global reinsurers
LLOYD’S
A world-leading specialist insurance and reinsurance market, not a single insurance company.
Global Specialty Risks
Munich Re
One of the world's leading reinsurers, providing a wide array of reinsurance and primary insurance solutions.
Global reinsurers
ERGO
A major European insurer and part of Munich Re, one of the world's leading reinsurers.
Global reinsurers
Everest
Offers a wide range of specialty insurance, reinsurance, and property/casualty products globally.
Global reinsurers
Mapfre Re
Global reinsurers
ATHORA
A European life and pensions insurer focused on acquiring and managing existing portfolios.
Global reinsurers
AON
A global leader providing risk management, insurance brokerage, and advisory services.
Insurance Brokers & Risk Advisors
Monument Re
A life reinsurance and acquisitions company, providing solid and reliable reinsurance solutions.
Global reinsurers
ING
A major bank offering straightforward home, car, and travel insurance, often through partnerships.
Other Financial Institutions (Banks)
CREDIT AGRICOLE CIB
The corporate and investment banking arm of Crédit Agricole, offering structured financial solutions.
Other Financial Institutions (Banks)
Marsh
A global leader in insurance broking and risk management, serving businesses of all sizes.
Insurance Brokers & Risk Advisors
HSBC
Global bank providing life and investment insurance products closely tied to its wealth services.
Other Financial Institutions (Banks)
Gallagher
A global insurance brokerage and risk management services firm with a wide array of solutions.
Insurance Brokers & Risk Advisors
Howden
An international insurance broker with a focus on corporate risk, specialty, and reinsurance solutions.
Insurance Brokers & Risk Advisors
Pacific Prime
An international insurance broker offering tailored health and medical plans from various global insurers.
Insurance Brokers & Risk Advisors
How to Choose the Right Insurance in Belgium
Finding the right insurance policy involves more than just looking at a list. Here are some key factors to consider:
Understand Local Regulations: Some types of insurance are mandatory in Belgium, such as car liability insurance. Ensure your policy meets all legal requirements.
Compare Quotes: Don’t settle for the first offer you receive. Use online tools or brokers to compare quotes and benefits from multiple providers.
Check Policy Exclusions: Always read the fine print to understand what is not covered by your policy.
Read Customer Reviews: Research the insurer’s reputation for customer service and claims handling to ensure a smooth experience.
Belgian Insurance Industry Regulation
The financial sector in Belgium is regulated to protect consumers. The Financial Services and Markets Authority (FSMA) is the main regulatory agency. It replaced the former Banking, Finance and Insurance Commission (CBFA) in 2011 to ensure that markets are fair, transparent, and that clients are treated professionally.
Navigating the insurance landscape in a new country can be challenging, whether you’re a long-term resident or an expat settling in the Netherlands. Our comprehensive guide helps you explore the best insurance providers, offering transparent information to help you compare based on coverage, services, and reliability.
Why Trust Our Insurance Company Directory?
We understand that choosing the right insurer is a crucial decision. An insurer’s logo is more than just a graphic mark; it’s a symbol of trust and security. Our directory aims to provide a reliable resource, helping you quickly associate companies with the qualities you value most, such as comprehensive coverage, competitive pricing, and excellent customer support.
Click on the logos of the insurers below to get detailed and up-to-date information about each provider and find the perfect coverage online.
Explore Top Insurance Providers in the Netherlands by Category
All
General & life providers
Health Insurance Providers
Global Specialty Risks
Insurance Brokers & Risk Advisors
Other Financial Institutions (Banks)
Government Schemes & Entities
AEGON
Offers comprehensive life, pension, and general insurance solutions.
General & life providers
Nationale-Nederlanden
Leading Dutch insurer providing life, pension, and non-life insurance products.
General & life providers
achmea
Large Dutch cooperative insurer offering various products including health, non-life, and life insurance.
General & life providers
CZ
Major health insurance provider, also offering supplementary policies.
General & life providers, Health Insurance Providers
a.s.r.
Prominent Dutch insurer with a broad portfolio including life, non-life, and income protection.
General & life providers
Allianz Trade
A global leader in assistance services and travel insurance, covering trip cancellations and medical emergencies.
General & life providers
Prudential
Provides life, health, and retirement insurance solutions.
AXA
A global insurer providing a wide array of solutions including auto, home, life, and health.
General & life providers
ERGO
A major European insurer and part of Munich Re, one of the world's leading reinsurers.
General & life providers
Zurich
Leading global reinsurers that provide capacity and innovative risk transfer solutions to other insurance companies.
General & life providers
Legal & General
Offers a variety of investment and insurance solutions, often focusing on asset management and retirement products.
General & life providers
Manulife
Offers a comprehensive range of life insurance, retirement solutions, and wealth management services globally.
General & life providers
CREDIT AGRICOLE GROUP
A leading European bancassurer providing life, health, and general insurance.
General & life providers
HDI
A German-backed global insurer providing a broad range of industrial and commercial insurance solutions.
General & life providers
RSA GROUP
Provides general insurance solutions across various sectors
General & life providers
China Taiping
A state-owned group offering a diverse portfolio of life, property, and casualty insurance.
General & life providers
ATHORA
A European life and pensions insurer focused on acquiring and managing existing portfolios.
General & life providers
Allianz Global Health
Part of the global Allianz Group, providing a wide range of car, home, business, and travel insurance products.
Health Insurance Providers
BNP Paribas Cardif
Provides credit insurance, protection plans, and savings products.
Other Financial Institutions (Banks)
AIG
A global insurer providing diverse commercial, financial lines, and personal accident coverage.
Global Specialty Risks
TOKIO MARINE HCC
Offers a wide range of specialty insurance products, including professional liability and marine insurance.
Global Specialty Risks
Liberty Specialty Markets
Offers specialty and commercial insurance including energy, marine, aviation, and financial lines.
Global Specialty Risks
Dutch Healthcare Institute
Zorginstituut Nederland (Dutch Healthcare Institute): Oversees the mandatory basic health insurance system in the Netherlands. Not an insurer, but a key regulatory body.
Government Schemes & Entities
Arag
A specialist in legal protection insurance, providing comprehensive coverage for legal fees and costs.
Global Specialty Risks
AXA XL
Focuses on providing specialty insurance and reinsurance solutions for large and multinational corporations.
Global Specialty Risks
LLOYD’S
A world-leading specialist insurance and reinsurance market, not a single insurance company.
Global Specialty Risks
Coface
A global leader in trade credit insurance, protecting businesses from unpaid invoices.
Global Specialty Risks
Atradius
A global provider of trade credit insurance, surety, and collections services for businesses.
Global Specialty Risks
AON
A global leader providing risk management, insurance brokerage, and advisory services.
Insurance Brokers & Risk Advisors
HSBC
Global bank providing life and investment insurance products closely tied to its wealth services.
Other Financial Institutions (Banks)
ING
A major bank offering straightforward home, car, and travel insurance, often through partnerships.
Other Financial Institutions (Banks)
Marsh
A global leader in insurance broking and risk management, serving businesses of all sizes.
Insurance Brokers & Risk Advisors
Howden
An international insurance broker with a focus on corporate risk, specialty, and reinsurance solutions.
Insurance Brokers & Risk Advisors
Pacific Prime
An international insurance broker with a global network, offering advice on and access to health and medical insurance plans from a variety of insurers.
Health Insurance Providers, Insurance Brokers & Risk Advisors
Understanding Insurance in the Netherlands
The Netherlands operates a robust insurance system, particularly known for its mandatory basic health insurance. For both Dutch citizens and expatriates, understanding these requirements and available options is crucial for financial security and peace of mind. Our directory aims to simplify this process, connecting you with reliable providers across various insurance types.
Economy in the Netherlands: A Brief Overview
The Netherlands boasts a developed and influential economy, playing a special role in Europe for centuries. Key sectors include shipping, fishing, agriculture, trade, and banking. The country enjoys a high level of economic freedom, ranking third in the 2014 Global Enabling Trade Report.
As one of the world’s top 10 leading exporting countries, the Netherlands’ main trading partners include Germany, Belgium, the UK, the United States, France, Italy, China, and Russia. Major industries encompass foodstuffs, chemicals, metallurgy, machinery, electrical goods, and tourism. International companies like Randstad, Unilever, Heineken, KLM, ING, Philips, and Shell have significant operations here.
Amsterdam stands as the financial and business capital, home to the Amsterdam Stock Exchange (AEX), part of Euronext, which is the world’s oldest stock exchange.
Discover more: Get the logos and names of insurers from every country in Africa, Asia, America, the Caribbean, Europe, and Oceania on our global Insurers page.
A Guide to Austrian Insurance Companies for Expats & Residents (2025). Moving to or living in Austria brings the important task of securing the right insurance. From mandatory health coverage to protecting your home and vehicle, understanding the Austrian insurance market is crucial. This guide provides a clear overview of the leading insurance companies in Austria, helping you choose the best provider for your needs.
Whether you’re an expat seeking private health insurance, a resident looking for comprehensive car coverage, or a business owner in need of specialized protection, you’ll find valuable information here. We’ve categorized the insurers to simplify your search and provide concise details on their offerings
Understanding Insurance in Austria
In Austria, having health insurance is mandatory for all residents. The system is a blend of public and private options. Most employed individuals are automatically enrolled in the public health insurance system (ÖGK), but many opt for supplementary private insurance for additional benefits. Beyond health insurance, various other types of coverage are essential for a secure life in Austria.
This guide will help you identify the key players in the Austrian insurance sector, from major domestic insurers to specialized and international providers.
All
General & life providers
Health Insurance Providers
Global Specialty Risks
Insurance Brokers & Risk Advisors
Other Financial Institutions (Banks)
Other Financial Institutions (Motoring Clubs)
Government Schemes & Entities
Vienna Insurance Group (VIG)
General and life insurers, health insurance providers, specialty insurers and global reinsurers, insurance brokers and risk advisors, other financial institutions (banks), industry associations, other financial institutions (motor clubs), or government plans and entities.
General & life providers
UNIQA Insurance Group
One of Austria's largest and most prominent insurance groups, UNIQA provides a comprehensive range of products, including life, health, and property & casualty insurance. It is recognized for its strong focus on customer service, digitalization, and innovative health services.
General & life providers
Allianz
Allianz offers a full spectrum of insurance and financial services. Its offerings include life, health, property, casualty, and asset management solutions, backed by the financial strength and global expertise of the Allianz Group.
General & life providers
Generali
One of the largest global insurance and asset management providers, with a comprehensive product suite.
General & life providers
GRAWE
A well-established Austrian insurance group, GRAWE offers a wide array of products, including life, accident, property, and legal insurance. It is known for its stability, regional presence, and strong ties to the banking sector through its ownership of several regional banks.
General & life providers
W&W
A significant financial group in Austria, Wüstenrot offers services in both banking (Bausparkasse) and insurance. Its insurance division provides comprehensive solutions for housing, life, pensions, health, and property protection.
General & life providers
DONAU Versicherung
A key subsidiary of the Vienna Insurance Group, DONAU provides a diverse range of insurance solutions across life, health, accident, and property & casualty lines. It serves both individual and corporate clients with a reputation for reliability and customer-oriented service.
General & life providers
Zurich Versicherungs-Aktiengesellschaft
A global provider offering a broad range of life insurance, investment, and retirement solutions for Australians.
General & life providers
Helvetia: The Austrian branch of the Swiss insurance group.
Helvetia offers a variety of reliable insurance and pension solutions. It caters to private and business clients with products covering life, non-life, and specialty lines.
General & life providers
VAV
A dynamic and independent insurer in Austria, VAV is known for specializing in property insurance, including household, homeowners, and car insurance. It is also a strong provider of legal protection and liability insurance, often praised for its efficient claims processing.
General & life providers
Merkur Versicherung AG
Headquartered in Graz, Merkur is Austria's oldest health insurer and a specialist in the field. It focuses on private health, accident, and life insurance, with a strong emphasis on prevention, wellness, and holistic health services that go beyond traditional coverage.
Health Insurance Providers
ÖGK (Österreichische Gesundheitskasse)
The Austrian Health Insurance Fund is the primary provider of public health insurance in Austria. It is mandatory for most residents and employees and covers a wide range of medical services, from doctor visits to hospital stays.
Government Schemes & Entities
ACREDIA
Leading credit insurer and part of the global Allianz Trade (formerly Euler Hermes), ACREDIA specializes in protecting businesses against the risk of non-payment from their customers. It offers trade credit insurance, surety bonds, and risk analysis services.
Global Specialty Risks
Arag
A specialist in legal protection insurance, providing comprehensive coverage for legal fees and costs.
Global Specialty Risks
Coface
Specializes in business trade credit insurance, protecting companies against non-payment of commercial debts
Global Specialty Risks
AIG
A global insurer providing diverse commercial, financial lines, and personal accident coverage.
Global Specialty Risks
Chubb
Provides specialized commercial property and casualty insurance, as well as coverage for high-net-worth individuals.
Global Specialty Risks
AXA XL
Focuses on providing specialty insurance and reinsurance solutions for large and multinational corporations.
Global Specialty Risks
Atradius
A global provider of trade credit insurance, surety, and collections services for businesses.
Global Specialty Risks
ARBÖ
The second-largest motor club in Austria, ARBÖ also provides its members with various insurance packages, specializing in vehicle and travel-related coverage.
Other Financial Institutions (Motoring Clubs)
Gen RE
A global reinsurer providing risk solutions and capacity to other insurance companies i
Global Specialty Risks
SwissLife Group
Focuses on estate planning and private life solutions for high-net-worth clients in the region.
Global Specialty Risks
AON
A global leader providing risk management, insurance brokerage, and advisory services.
Insurance Brokers & Risk Advisors
Marsh
A global leader in insurance broking and risk management, serving businesses of all sizes.
Insurance Brokers & Risk Advisors
CREDIT AGRICOLE CIB
The corporate and investment banking arm of Crédit Agricole, offering structured financial solutions.
Other Financial Institutions (Banks)
Raiffeisen Versicherung
The insurance arm of the powerful Raiffeisen Banking Group, it offers a wide range of insurance products, including life, accident, and pension plans, distributed primarily through the bank's extensive branch network.
Other Financial Institutions (Banks)
ÖAMTC
Austria's largest automobile club. Beyond its well-known roadside assistance, ÖAMTC offers a range of insurance products for its members, including vehicle, travel, and legal protection insurance.
Other Financial Institutions (Motoring Clubs)
Manulife
Offers a comprehensive range of life insurance, retirement solutions, and wealth management services globally.
General & life providers
LLOYD’S
A world-leading specialist insurance and reinsurance market, not a single insurance company.
Pacific Prime
An international insurance broker offering tailored health and medical plans from various global insurers.
Insurance Brokers & Risk Advisors
Supervision of the Austrian Financial Market
A stable and trustworthy financial system is the bedrock of a secure economy. In Austria, the supervision of the financial market, including insurance companies, is a shared responsibility, ensuring fairness and integrity.
Financial Market Authority (FMA): The FMA is the central supervisory body for Austria’s financial market. It is responsible for the micro-level supervision of individual institutions, including banks, insurance undertakings, and pension funds. The FMA grants operating licenses, monitors ongoing activities, and has the authority to enforce regulations to protect consumers.
Oesterreichische Nationalbank (OeNB): The OeNB, Austria’s central bank, works in close cooperation with the FMA. Its primary role is to maintain the stability of the financial market at a macro level, overseeing payment systems and contributing to the supervision of banks.
Together, the FMA and the OeNB ensure that financial institutions in Austria operate reliably and that the interests of consumers are protected.
We hope this guide helps you in your search for the best insurance in Austria. By understanding the key players and their specialties, you can make an informed decision and find the coverage that best suits your needs.
Europe features a mature and diverse insurance market, with a multitude of companies offering a comprehensive range of products and services. From multinational giants to specialized local insurers, there’s an option for every need.
Our directory simplifies your search for insurance providers across Europe. By clicking on the flag or name of each European country below, you can easily access the logos and direct links to each insurer. This allows you to quickly find the latest information about the coverage they offer directly on their websites.
Explore European Insurer Logos by Country
Find a comprehensive list of insurance company logos and names in Europe, sorted by country, for fast and easy access to leading insurers located in every European nation.
Some of the largest and most well-known European insurers include:
Allianz (Germany): A multinational financial services company providing insurance and asset management in over 70 countries.
AXA (France): A multinational insurer offering a range of products, including life, health, property, and casualty insurance.
Zurich Insurance Group (Switzerland): Provides insurance products and services to customers in more than 170 countries.
Generali (Italy): A multinational insurer with customers in over 60 countries.
Aviva (United Kingdom): Offers a range of products including life, health, property, and casualty insurance.
Aegon (Netherlands): A multinational life insurance, pensions, and asset management company operating in over 20 countries.
NN Group (Netherlands): Provides insurance, pensions, and asset management products in Europe and Japan.
Prudential PLC (United Kingdom): A multinational financial services company providing insurance and asset management to customers in Asia, the US, and Africa (with its base in Europe).
Tips for Choosing an Insurance Company in Europe
Finding the right insurance in Europe requires careful consideration. Here are some tips:
Determine Your Coverage Needs: Before comparing companies, identify the specific type of coverage you need. This will allow for a proper comparison of quotes from various insurers.
Verify Licensing: Insurers must be licensed by the country in which they operate. Confirm you’re dealing with a licensed provider by checking with your country’s insurance regulatory body, often available online or by phone.
Assess Financial Stability: Research an insurer’s financial strength ratings on the websites of agencies like A.M. Best, Standard & Poor’s, Moody’s, or Fitch. This is particularly important for smaller, lesser-known providers.
Evaluate Customer Service and Claims Support: Check consumer complaint ratios, which many insurance regulators publish. This ratio often indicates the number of complaints per 1,000 claims. Reviewing ratios across multiple countries can be insightful, as service quality can vary.
The European Insurance Landscape: Key Context
Europe’s well-developed economy and comprehensive healthcare systems shape its insurance market.
Healthcare Systems and Insurance
Most European countries offer some form of universal healthcare, ensuring residents have access to basic services. This is typically financed through taxation, social security, or mandatory health insurance schemes involving public and/or private insurers. While universal systems provide a foundation, private health insurance often complements public offerings, covering additional services or providing faster access.
Economic Environment
Europe is a high-income region, with the European Union (EU) forming a significant single market. Key sectors include services (finance, tourism) and advanced manufacturing. This economic stability and high standard of living drive demand for a wide array of insurance products, from life and health to property, casualty, and business insurance. Financial centers like London, Frankfurt, and Zurich play a crucial role in the global insurance and reinsurance markets.
Navigating Spain’s competitive insurance market can be a challenge, especially if you’re new to the country. From protecting your car and home to securing your family’s health and financial future, choosing the right company is a crucial decision.
This guide provides a clear, organized directory of the top insurers in Spain, along with practical, market-specific advice, so you can make an informed and confident choice.
How to Choose the Best Insurer in Spain: 4 Key Steps
Before exploring the list of providers, it’s essential to know how to evaluate them correctly.
1. Define Your Coverage Needs
First, identify what type of insurance you require. Are you looking for comprehensive car insurance, a home policy, private health insurance for expats, or a life plan? Knowing your needs will allow you to compare offers accurately.
2. Verify the License with the DGSFP
This is the most important step for your security. All insurance companies operating legally in Spain must be registered and supervised by the official regulatory body: the Dirección General de Seguros y Fondos de Pensiones (DGSFP). You can check any entity’s registration on the DGSFP’s official website to ensure it is a legitimate and solvent company.
3. Compare Quotes and Coverage (Not Just the Price)
Request quotes from at least three different insurers. Don’t focus solely on the price; read the policy information document and terms carefully. Pay close attention to coverage limits, deductibles, and, most importantly, the exclusions.
4. Research Reputation and Customer Service
Look for reviews from other customers on independent portals. A low price is worthless if the company doesn’t respond efficiently when you need to file a claim. A low ratio of complaints filed with the DGSFP is also a very good indicator.
Directory of Insurers in Spain
Below is our interactive directory of insurance companies. Use the filters to browse by category and click on each logo to find more information on their profile and access their official websites.
All Insurers
General & life providers
Health Insurance Providers
Global Specialty Risks
Insurance Brokers & Risk Advisors
Other Financial Institutions (Banks)
Prudential Financial
Helping individuals and institutions improve their financial wellness through life health insurance, retirement services, annuities and investment products
General & life providers
Allianz Global Health
Part of the global Allianz Group, providing a wide range of car, home, business, and travel insurance products.
Health Insurance Providers
CASER
A major Spanish insurer with a broad portfolio of products.
General & life providers
Catalana Occidente
A leading Spanish insurance group with a diverse range of coverage.
General & life providers
MetLife
A leading provider of life insurance, specializing in group policies through superannuation funds.
General & life providers
Always On
Typically refers to providers of device protection or warranty insurance.
Global Specialty Risks
Fidelidade
A leading Portuguese insurer with a full range of life and non-life products.
General & life providers
BBVA
Provides a full range of personal insurance through its banking network.
Other Financial Institutions (Banks)
BHSI
Provides commercial property, casualty, executive lines, and other specialty insurance for complex risks.
Global Specialty Risks
Credit Mutuel
Offers comprehensive personal insurance solutions through its cooperative banking network.
General & life providers
Aetna (a CVS Health company)
Offers a wide range of international health insurance products, including medical, dental, and wellness plans for expatriates and multinational corporations.
Health Insurance Providers
Santander Seguros
A trusted banking partner for your auto, home, and life insurance.
Other Financial Institutions (Banks)
AIG
A global insurer providing diverse commercial, financial lines, and personal accident coverage.
Global Specialty Risks
Munich Re
One of the world's leading reinsurers, providing a wide array of reinsurance and primary insurance solutions.
Global Specialty Risks
Chubb
Provides specialized commercial property and casualty insurance, as well as coverage for high-net-worth individuals.
General & life providers
Pru part of M&G plc.
Focuses on long-term savings, investment management, and retirement solutions for clients
Global Specialty Risks
Liberty Seguros
A subsidiary of Liberty Mutual, offers auto, home, renters, and life insurance.
General & life providers
AXA
A global insurer providing a wide array of solutions including auto, home, life, and health.
General & life providers
Bupa
A leading health and care company providing private health insurance for millions of Australians with extensive network access.
Health Insurance Providers
Liberty Specialty Markets
Offers specialty and commercial insurance including energy, marine, aviation, and financial lines.
Global Specialty Risks
TOKIO MARINE HCC
Offers a wide range of specialty insurance products, including professional liability and marine insurance.
Global Specialty Risks
Arag
A specialist in legal protection insurance, providing comprehensive coverage for legal fees and costs.
Global Specialty Risks
Mapfre
A global insurer providing a wide variety of solutions for auto, health, life, and home.
Mapfre Re
Global Specialty Risks
MAPFRE Global Risks
The MAPFRE unit specializing in insurance solutions for large multinational companies.
Global Specialty Risks
Markel Corporation
Provides niche and specialty insurance products, including professional liability and cyber insurance.
Global Specialty Risks
Generali
One of the largest global insurance and asset management providers, with a comprehensive product suite.
General & life providers
QBE
Offers a comprehensive suite of personal, commercial, and corporate insurance solutions.
Global Specialty Risks
AON
A global leader providing risk management, insurance brokerage, and advisory services.
Insurance Brokers & Risk Advisors
Swiss Re
Leading global reinsurers that provide capacity and innovative risk transfer solutions to other insurance companies.
Global Specialty Risks
AXA XL
Focuses on providing specialty insurance and reinsurance solutions for large and multinational corporations.
Global Specialty Risks
Hannover Re
A top-tier global reinsurer providing property, casualty, life, and health risk solutions to insurers.
Global Specialty Risks
CREDIT AGRICOLE GROUP
A leading European bancassurer providing life, health, and general insurance.
Other Financial Institutions (Banks)
Solunion
Offers credit insurance and surety bond solutions.
Global Specialty Risks
HDI
A German-backed global insurer providing a broad range of industrial and commercial insurance solutions.
Global Specialty Risks
ERGO
A major European insurer and part of Munich Re, one of the world's leading reinsurers.
General & life providers
Gen RE
A global reinsurer providing risk solutions and capacity to other insurance companies i
Global Specialty Risks
LLOYD’S
A world-leading specialist insurance and reinsurance market, not a single insurance company.
Global Specialty Risks
Cigna
A global health service company offering health, dental, life, and accident insurance coverage.
Health Insurance Providers
Everest
Offers a wide range of specialty insurance, reinsurance, and property/casualty products globally.
Global Specialty Risks
Zurich
Leading global reinsurers that provide capacity and innovative risk transfer solutions to other insurance companies.
General & life providers
Manulife
Offers a comprehensive range of life insurance, retirement solutions, and wealth management services globally.
General & life providers
Prudential Life
A provider focused specifically on life insurance policies.
General & life providers
Beazley
A specialist insurer with a focus on professional liability, cyber risk, and other niche markets.
Global Specialty Risks
HSBC
Global bank providing life and investment insurance products closely tied to its wealth services.
Other Financial Institutions (Banks)
HSBC Expat
Offers a range of international insurance products for expatriates.
Global Specialty Risks
Monument Re
A life reinsurance and acquisitions company, providing solid and reliable reinsurance solutions.
Global Specialty Risks
Legal & General
Offers a variety of investment and insurance solutions, often focusing on asset management and retirement products.
General & life providers
Howden
An international insurance broker with a focus on corporate risk, specialty, and reinsurance solutions.
Insurance Brokers & Risk Advisors
Atradius
Specializes in trade credit insurance.
Global Specialty Risks
Helvetia: The Austrian branch of the Swiss insurance group.
Helvetia offers a variety of reliable insurance and pension solutions. It caters to private and business clients with products covering life, non-life, and specialty lines.
General & life providers
Coface
Specializes in business trade credit insurance, protecting companies against non-payment of commercial debts
Global Specialty Risks
Marsh
A global leader in insurance broking and risk management, serving businesses of all sizes.
Insurance Brokers & Risk Advisors
The Leading Insurance Companies in Spain
While there are many options, a few companies stand out due to their market share and premium volume in Spain.
Mapfre: The leading Spanish-native insurer, with a dominant presence in car, home, and multi-risk insurance.
Allianz Seguros: One of the strongest multinational players in Spain, offering a complete catalog of products for individuals and businesses.
AXA: Originally from France, it is another industry giant in Spain, with a strong focus on innovation in health, life, and home insurance.
Zurich Insurance Group: With a solid international reputation, it offers a wide range of insurance products for individuals and companies in the Spanish market.
Catalana Occidente: A long-standing and solid Spanish insurance group that has grown to become one of the market leaders.
Caser Seguros: Originally focused on insurance for savings banks, today it offers a full range of products, with a strong position in home and health.
Health Insurance in Spain: Public vs. Private
Understanding the healthcare system is fundamental for residents and expats.
Public Health (Seguridad Social): Spain has an excellent universal healthcare system, the Sistema Nacional de Salud (SNS). It is accessible to all residents who contribute to social security.
Private Health Insurance: Many people choose private insurance to complement the public system. Its main advantages are faster access to specialists and diagnostic tests, the comfort of private rooms, and a choice of doctors and hospitals. It is especially popular among expats.
Frequently Asked Questions (FAQ)
Who is the largest insurance company in Spain? By premium volume, VidaCaixa (part of CaixaBank group) leads in the life insurance sector, while Mapfre is generally the leader in non-life insurance (car, home).
How can I verify if an insurance company is reliable in Spain? The most secure way is to check that it is registered and authorized by the official regulatory body, the Dirección General de Seguros y Fondos de Pensiones (DGSFP), via its public website.
Do I need private health insurance as an expat in Spain? For many residence visas (like the non-lucrative visa), having a fully comprehensive private health insurance policy with no co-payments is a mandatory requirement. For others, it is a highly recommended option to avoid public waiting lists.
Macedonia Insurance – World Insurance Companies Logos. Click on the logos of the insurers to obtain a bunch of updated information offering each insurer of Macedonia. We would like to help you find the best coverage online.
Insurance Company Logos in Macedonia
Logos of Insurance Companies in Macedonia. The graphic mark of a company is synonymous with its brand. A logo is instantly recognizable and allows that the customer associates the company with the useful qualities such as trust, the right price, and a lot of other vital questions about the task of finding the best insurance.
All
QBE Insurance Group
A comprehensive range of personal, commercial, and marine insurance products is offered.
TRIGLAV
VIG Macedonia
OMADA | Insurance
HEALTH INS. FUND.
Vienna Insurance Group (VIG)
General and life insurers, health insurance providers, specialty insurers and global reinsurers, insurance brokers and risk advisors, other financial institutions (banks), industry associations, other financial institutions (motor clubs), or government plans and entities.
GRAWE
A well-established Austrian insurance group, GRAWE offers a wide array of products, including life, accident, property, and legal insurance. It is known for its stability, regional presence, and strong ties to the banking sector through its ownership of several regional banks.
Pacific Prime
An international insurance broker offering tailored health and medical plans from various global insurers.
Macedonian press
INSURANCE DAY MARKED
Insurance market experienced constant growth in the last three years. During the second quarter of this year, 455,925 contracts were concluded, being 5% more than this period in the previous year, the number of life assurance contracts increased by 33% while total gross policy premium surged by 2.5%.
This was pointed out in today’s marking of the insurance day, 1st November, being organized by the Ins. Supervision Agency.
– The sound financial system is a condition for efficient allocation of resources and permanent confidence in financial institutions. That is why constant efforts are made in the Republic of Macedonia, aimed at strengthening the financial system by providing improved regulations, prudent supervision and efficient protection of consumers, Vice Prime Minister and Minister of Finance Zoran Stavreski said at the ceremony marking the Insurance Day.
The minister believes that it is worth mentioning the fact that last year, despite the problems related to the debt crisis, two insurers the parent companies of which are seated in the Eurozone started operating on the Macedonian market. According to him, this is a result of sound macroeconomic policies, well-designed regulations and efficient supervision.
– In the coming period, it is realistic to expect the intensification of the insurance sector growth. This is above all a result of the new legal solutions as regards pension and health insurance. In fact, the new Law on Payment of Pensions and Pension Allowances from Fully Funded Pension Insurance provides the possibility for the insurance companies to pay annuities to the pension beneficiaries, Minister Stavreski pointed out.
Health in Macedonia
Macedonia, officially known as the Republic of North Macedonia, has been working to improve its health care system in recent years. The country has made progress in terms of health care access, infrastructure, and services, but challenges still exist.
Here are some key points about health in Macedonia:
Healthcare System: The healthcare system in Macedonia is a mixture of public and private sectors. The Ministry of Health oversees the public healthcare system, which provides universal coverage to the population. Private healthcare services are also available, and citizens have the option to choose between public and private providers.
Access to Healthcare: The country has made efforts to improve access to healthcare services, especially in rural areas. However, there can still be disparities in health care access between urban and rural regions.
Health Insurance: The Macedonian healthcare system is funded through a combination of contributions from employing individuals and the state budget. Employees make contributions through their salaries, while the unemployed and certain vulnerable populations are covered by the state budget.
Hospitals and Facilities: Macedonia has a network of hospitals, clinics, and healthcare facilities across the country. Major cities like Skopje and Bitola have well-equipped hospitals, while smaller towns and rural areas may have limited healthcare infrastructure.
Healthcare Professionals: Macedonia has a sufficient number of healthcare professionals, including doctors, nurses, and specialists. However, there might be regional disparities, with more medical professionals available in urban areas compared to rural regions.
Public Health Challenges: Like many countries, Macedonia faces public health challenges such as chronic diseases, infectious diseases, and mental health issues. The government and healthcare organizations work to address these challenges through public health campaigns, disease prevention, and treatment programs.
Health Indicators: Health indicators, such as life expectancy and infant mortality rates, have shown improvement in recent years. However, the country still faces challenges related to non-communicable diseases, access to healthcare services, and health inequality.
Find out more Logo of a European insurance company.
Turkish Insurance – World Insurance Companies Logos. Monitor Turkey’s best insurance providers, based on cost, coverage, customer service and claims support. Find the insurer you trust.
Insurance Company Logos in Turkey
Logos of Insurance Companies in Turkey. The graphic mark of a company is synonymous with its brand. In insurance, a logo is immediately recognizable and allows the customer to associate the company with the useful qualities such as trust, fair price, etc., and many other vital questions about how to find the best insurance. Click on the logos of the insurance companies to get a lot of up-to-date information offering each insurer from Turkey. We want to help you to find the best insurance on the internet.
All
Zurich
Leading global reinsurers that provide capacity and innovative risk transfer solutions to other insurance companies.
Allianz Global Health
Part of the global Allianz Group, providing a wide range of car, home, business, and travel insurance products.
MetLife
A leading provider of life insurance, specializing in group policies through superannuation funds.
Groupama
A French firm with operations in the region, offering various protection products.
BNP Paribas Cardif
Provides credit insurance, protection plans, and savings products.
AKSigorta
Vakif Bank
Fibabanka
Eureko Sigorta
Chubb
Provides specialized commercial property and casualty insurance, as well as coverage for high-net-worth individuals.
AXA
A global insurer providing a wide array of solutions including auto, home, life, and health.
Bupa
A leading health and care company providing private health insurance for millions of Australians with extensive network access.
Generali
One of the largest global insurance and asset management providers, with a comprehensive product suite.
AON
A global leader providing risk management, insurance brokerage, and advisory services.
ING
A major bank offering straightforward home, car, and travel insurance, often through partnerships.
Allianz Trade
A global leader in assistance services and travel insurance, covering trip cancellations and medical emergencies.
Vienna Insurance Group (VIG)
General and life insurers, health insurance providers, specialty insurers and global reinsurers, insurance brokers and risk advisors, other financial institutions (banks), industry associations, other financial institutions (motor clubs), or government plans and entities.
Cigna Seninle
GIG Turkey
Orient
Provides tailored takaful schemes and programs, empowering policyholders with flexibility.
Mapfre Sigorta
HSBC
Global bank providing life and investment insurance products closely tied to its wealth services.
Howden
An international insurance broker with a focus on corporate risk, specialty, and reinsurance solutions.
Atradius
A global provider of trade credit insurance, surety, and collections services for businesses.
Marsh
A global leader in insurance broking and risk management, serving businesses of all sizes.
Coface
Specializes in business trade credit insurance, protecting companies against non-payment of commercial debts
Pacific Prime
An international insurance broker with a global network, offering advice on and access to health and medical insurance plans from a variety of insurers.
Press in Turkey
Tourism in Turkey – Turkish Insurance
As the 6th most popular tourist destination in the world and attracting more than 51.2 million tourists in 2019, Türkiye continues to present vast investment opportunities in both the established and newly-developing subsectors of the tourism industry.
With its favorable location, existing potential, mega projects, and ambitious targets set for 2023, the tourism sector continues to grow at a rate that outstrips its bed capacity. Even though there has been a surge of investments in the last several years, there is still ample room for new ventures.
Eastern and Southeastern Anatolia, both have untapped potential for cultural tourism as well as the increasingly popular boutique hotel concept, which blends well with the characteristic nature, history, and culture of the regions.
In 2019, Türkiye was the 6th most popular tourist destination in the world according to UNWTO. According to the UNWTO World Tourism Barometer, the number of international tourist arrivals in Türkiye in 2019 was 51.2 million, while international tourism receipts were USD 29.8 billion.
In 2020, international visitors to Türkiye totaled 15.9 million, with tourism earnings totaling USD 12.1 billion, according to the figures from the Ministry of Culture and Tourism. In 2020, average spending per visitor grew by 14.5 percent to USD 762 when compared to 2019. With regard to religious tourism, Türkiye is among the few countries in the world that is home to sites from a number of major religions, including Islam, Christianity and Judaism.
Antalya is the most preferred city in Türkiye for international visitors with 33.3 million overnight stays in 2020. In its center and surrounding towns such as Kemer, Belek, and Kaş, Antalya has over 500 4-star and 5-star hotels. The number of operational hotel chains in Türkiye is 60, with 44 of these being domestically owned, and 16 of these being internationally owned. The number of hotels in these 60 chains in Türkiye totals 942, while the number of rooms totals 177,785. Türkiye has 8,300 km of coastline and ranks 3rd globally with its 519 blue-flag beaches.
In terms of geothermal tourism potential, Türkiye is among the top seven countries in the world and ranks 1st in Europe with its 1,500 thermal springs. Bed capacity in the various thermal spa resorts has reached a combined 100,000. The Belek region stands out as the most significant golf destination in Türkiye, ranking among the world’s more popular tourism centers with 27 golf courses, more than 70,000-bed capacity, and around 2 million tourist arrivals.
Türkiye ranked the 7th place among the top 10 European countries for tourism FDI between 2016 and 2020 with 36 FDI projects, according to fade Intelligence’s Tourism Investment Report 2021. The Turkish government offers, incentives such as reduced utility prices and reduced tax rates, while also pursuing policies aimed at eliminating any bureaucratic barriers that may hinder growth in the tourism sector.
Ukraine Insurance – World Insurance Companies Logos. Find the best insurer, according to cost, coverage, customer service, and disaster support. Find the provider you trust
Ukrainian Insurance Company Logos
Ukrainian Insurance Company Logos. List of logos of insurers.
The graphic mark of a company is synonymous with its brand. Click on the logos of the insurance companies to get a lot of updated information offering each insurer. We would like to help you find the best coverage online.
All
BNP Paribas Cardif
Provides credit insurance, protection plans, and savings products.
GRAWE
MetLife
A leading provider of life insurance, specializing in group policies through superannuation funds.
Allianz Global Health
Part of the global Allianz Group, providing a wide range of car, home, business, and travel insurance products.
Agroinsurance
INGO Insurance
PROVIDNA
Marsh
A global leader in insurance broking and risk management, serving businesses of all sizes.
Ska-life
OPAHTA Insurance
AON
A global leader providing risk management, insurance brokerage, and advisory services.
ING
A major bank offering straightforward home, car, and travel insurance, often through partnerships.
CREDIT AGRICOLE GROUP
A leading European bancassurer providing life, health, and general insurance.
Vienna Insurance Group (VIG)
General and life insurers, health insurance providers, specialty insurers and global reinsurers, insurance brokers and risk advisors, other financial institutions (banks), industry associations, other financial institutions (motor clubs), or government plans and entities.
Generali
One of the largest global insurance and asset management providers, with a comprehensive product suite.
AXA
A global insurer providing a wide array of solutions including auto, home, life, and health.
Pacific Prime
A broker specializing in international health plans.
An ambulance in Kyiv. Vaccinations The crumbling, poorly financed health care system and rumors that children have fallen ill or even died after being immunized have led to a very poor vaccination rate. In August 2016, 30% of children in Ukraine were fully immunized against measles, 11%, against hepatitis B, and 3% against diphtheria, pertussis and tetanus. At the time Ukraine had the lowest routine immunization rate in the world.
As of June 2019, Ukraine has suffered one of the world’s worst measles epidemics with more than 100,000 cases since 2017, with 16 deaths in 2018. In 2016 only 31% of the population had been immunized with the MMR vaccine. Various reasons are given for the low rate of vaccination, including: a distrust of the state in the 1990s, a failure to keep vaccine supplies reliably refrigerated leading to ineffectiveness, a poorly informed medical profession and a high level of vaccine distrust in the wider population. Children are required to be vaccinated before entering the school system, but Unicef estimates that as many as 30% of vaccination certificates are falsified.
Slovakia Insurance – World Insurance Companies Logos. Research and compare insurers to find the one that best suits your needs.
Insurance Company Logos in Slovakia
Logos of Insurance Companies in Slovakia. The graphic mark of a company is synonymous with its brand. A logo is immediately recognizable and enables the customer to associate the company with the useful qualities such as confidence, the right price, etc., and many other vital questions in the quest for the best insurance. Click on the logos of the insurers for a bunch of updated information offering each insurer in Slovakia. We want to help you find the best coverage on the internet.
All
Zurich
Leading global reinsurers that provide capacity and innovative risk transfer solutions to other insurance companies.
BNP Paribas Cardif
Provides credit insurance, protection plans, and savings products.
QBE Insurance Group
A comprehensive range of personal, commercial, and marine insurance products is offered.
Allianz Global Health
Part of the global Allianz Group, providing a wide range of car, home, business, and travel insurance products.
UNIQA Insurance Group
One of Austria's largest and most prominent insurance groups, UNIQA provides a comprehensive range of products, including life, health, and property & casualty insurance. It is recognized for its strong focus on customer service, digitalization, and innovative health services.
MetLife
A leading provider of life insurance, specializing in group policies through superannuation funds.
AIG
A global insurer providing diverse commercial, financial lines, and personal accident coverage.
AXA
A global insurer providing a wide array of solutions including auto, home, life, and health.
SwissLife Group
Focuses on estate planning and private life solutions for high-net-worth clients in the region.
KBC Insurance Company
Offers diverse insurance, integrating banking and insurance services for comprehensive financial solutions
AON
A global leader providing risk management, insurance brokerage, and advisory services.
ING
A major bank offering straightforward home, car, and travel insurance, often through partnerships.
Swiss Re
Leading global reinsurers that provide capacity and innovative risk transfer solutions to other insurance companies.
Allianz Trade
A global leader in assistance services and travel insurance, covering trip cancellations and medical emergencies.
Vienna Insurance Group (VIG)
General and life insurers, health insurance providers, specialty insurers and global reinsurers, insurance brokers and risk advisors, other financial institutions (banks), industry associations, other financial institutions (motor clubs), or government plans and entities.
Generali
One of the largest global insurance and asset management providers, with a comprehensive product suite.
STARR
Offers specialty insurance for aviation, marine, energy, construction, and other commercial liability risks.
Atradius
A global provider of trade credit insurance, surety, and collections services for businesses.
Marsh
A global leader in insurance broking and risk management, serving businesses of all sizes.
Coface
Specializes in business trade credit insurance, protecting companies against non-payment of commercial debts
Pacific Prime
An international insurance broker with a global network, offering advice on and access to health and medical insurance plans from a variety of insurers.
Slovak news
Health in Slovakia
Health in Slovakia encompasses various aspects related to the well-being of individuals in the country, including health care services, public health initiatives, and lifestyle factors. Here are some key points regarding health in Slovakia:
Healthcare System: Slovakia has a mixed healthcare system, consisting of public and private healthcare providers. The public healthcare system is funded through mandatory health insurance contributions, providing comprehensive medical services to citizens and legal residents. Primary care, specialized care, hospitalization, and emergency services are all covered. Private healthcare services are available as an alternative, offering additional options and amenities.
Health Indicators: Slovakia has made significant progress in improving health indicators over the years. Life expectancy at birth has been increasing and is currently around 77 years for men and 83 years for women. Infant mortality rates have declined, and child vaccination rates are generally high.
Public Health Initiatives: The Slovak government promotes various public health initiatives to improve the overall health of the population. These initiatives include preventive measures, health promotion campaigns, and disease surveillance programs. Vaccination programs are implemented to protect individuals from infectious diseases, and regular screenings for certain conditions, such as cancer and cardiovascular diseases, are encouraged.
Lifestyle Factors: Individual lifestyle choices greatly impact overall health. In Slovakia, as in many countries, maintaining a balanced diet, engaging in regular physical activity, avoiding tobacco and excessive alcohol consumption, and managing stress are emphasized for a healthy lifestyle. Public health campaigns aim to raise awareness about the importance of healthy habits and provide resources for individuals to make informed choices.
Challenges: Slovakia faces certain health challenges, including non-communicable diseases such as cardiovascular diseases, cancer, and respiratory conditions. Addressing these challenges involves strengthening preventive measures, improving access to health care services, and promoting healthy lifestyles. The health care system also faces challenges such as regional disparities in health care access and shortages of healthcare professionals in some areas.
Healthcare Reforms: Reforms are underway to improve the healthcare system in Slovakia. These reforms focus on enhancing primary care, reducing bureaucracy, improving coordination between health care providers, and implementing technology-driven solutions to enhance efficiency and accessibility. The aim is to provide more patient-centered care and improve overall health outcomes.
Andorra Insurance – World Insurance Companies Logos. By clicking on the logos of each insurer, you can find up-to-date details on the different types of coverage policies you need
Insurance Company Logos in Andorra
Insurance Company Logos in Andorra. The graphic mark of a company is synonymous with its brand.
In insurance, a logo is immediately recognizable and enables the customer to associate the company with the useful qualities such as confidence, the right price, and a lot of other vital questions about the task of finding the best insurance. Click on the logos of the insurers to get a lot of updated information offering each Andorran insurer. We would like to assist you in finding the best insurance. Monitor the top insurance providers for cost, coverage, customer service and claims support. Find the insurance company you trust.
All
ASSAP Assegurances
With over 40 years of experience, ASSAP serves as the exclusive representative in Andorra for international insurers ZURICH and FIATC. They offer a comprehensive range of insurance products, including health, home, vehicle, and business coverage
ASSEGUR DIVERSOS, SA
Based in Andorra la Vella, ASSEGUR DIVERSOS specializes in various insurance lines
COMPANYIA ANDORRANA D’ASSEGURANCES, S.A
Companyia Andorrana d Assegurances, amb més de 70 anys d experiència i amb l oferta més amplia del mercat andorrà per a particularas i empreses
Allianz Global Health
Part of the global Allianz Group, providing a wide range of car, home, business, and travel insurance products.
Zurich
A global insurance company providing a wide range of general and life insurance products.
Andbank Assegurances
A subsidiary of Andbank, Andbank Assegurances provides tailored health insurance solutions, such as the AndSalut Medical Insurance plan, designed to meet diverse healthcare needs
Arag
A specialist in legal protection insurance, providing comprehensive coverage for legal fees and costs.
AXA
A global insurer providing a wide array of solutions including auto, home, life, and health.
Pacific Prime
An international insurance broker offering tailored health and medical plans from various global insurers.
Press
Andorra Insurance Sector Background
Executive Summary
Supervision of insurance in this country meets neither the needs of the industry nor international expectations.
There is a general consensus in government and industry that lost business opportunities are lost, and the image abroad of Andorra’s financial governance suffers, a new regulatory framework for insurance is urgently needed.
The future framework should be in line with EU legislation and the principles of the International Association of Insurance Supervisors (IAIS).
While the insurance sector is still small, in 2005 there was a substantial transfer of funds from bank deposits to live assurance contracts with a savings component.
This trend may continue and it is important that the solvency regime addresses any guaranteed returns and embedded options in those products.
There should also be enhanced disclosure of life insurers’ past investment performance to allow informed investment decisions.
Furthermore, the close interaction of insurers with banks and investment funds within bank dominated conglomerates calls for a robust regulatory framework, enforced by a competent supervisor.
It provides another compelling reason for allocation of the required resources.
Building adequate te regulatory capacity to enhance supervision in these areas should commence without delay.
Against this background, the transfer of insurance supervision of the Ministry of Finance (MF) to the Institut Nacional Andorrà de Finances (INAF), the agency responsible for the supervision of the financial sector, is essential.
There is recognition that the statutory requirement to the table in the General Council regulations for the integration of insurance supervision in INAF should be acted upon, to catalyze change.
In parallel, elaboration of a new insurance supervision law ought to be given priority in the Authorities’ legislative program.
The previous draft does not appear to meet the standards expected of an advanced financial center like Andorra’s.
-2 The new effort is needed to substantiate, inter alia, prudential, internal control, the conduct of business, policyholder protection, public disclosure and international cooperation requirements of appropriate scope and nature, and enhance the supervisor’s disciplinary powers, up to current international norms and practice.
In the meantime, the Authorities would do well to instruct external auditors to produce additional reports’ for insurers
As is already the case in other sectors, such reports should include opinions on policies, systems, and processes—notably internal control—and become an effective requirement for insurers.
Similarly, a common chart of accounts should be adopted and implemented for underwrites as soon as possible
Economy of Andorra
Economy of Andorra. Tourism, the mainstay of Andorra’s tiny, well-to-do economy, accounts for roughly 80% of GDP.
An estimated 10.2 million tourists visit annually, attracted by Andorra’s duty-free status and by its summer and winter resorts.
Andorra’s relative advantage has recently[when?] eroded as the economies of adjoining France and Spain have been opened up, providing broader availability of goods and lower tariffs.
One of the main sources of income in this nation is tourism from ski resorts, which total over 175 km (109 mi) of ski ground.
The sport brings in over 7 million visitors and an estimated 340 million euros per year, sustaining 2000 direct and 10000 indirect jobs at present.
The banking sector, with its tax haven status, also contributes substantially to the economy (the financial and insurance sector accounts for approximately 19% of GDP).
The financial system comprises five banking groups, one specialized credit entity, 8 investment undertaking management entities, 3 asset management companies and 29 insurance companies, 14 of which are branches of foreign underwriters authorized to operate in the principality.
Agricultural production is limited—only 2% of the land is arable—and most food has to be imported. Some tobacco is grown locally.
The principal livestock activity is domestic sheep raising. Manufacturing output consists mainly of cigarettes, cigars, and furniture.
Andorra’s natural resources include hydroelectric power, mineral water, timber, iron ore, and lead.
This country has traditionally had one of the world’s lowest unemployment rates. In 2009 it stood at 2.9%.
On 31 May 2013, it was announced that Andorra intended to legislate for the introduction of an income tax by the end of June, against a background of increasing dissatisfaction with the existence of tax havens among EU members. From Wikipedia.