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시장보고서
Insurance and Assistance linked to Payment Cards and Bank Accounts in Northern and Central Europe
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Abstract
Finaccord' s report titled Insurance and Assistance linked to Payment Cards and
Bank Accounts in Northern and Central Europe investigates the market for
insurance and assistance policies linked to banking products in Northern and
Central Europe. Composed of a series of niche covers designed to enhance the
revenues derived by banks from their payment card and current account
operations, Finaccord' s research indicates this market in Northern and Central
Europe to have been worth some € 1.19 billion in 2008. Moreover, with
insurance and assistance providers showing creativity in structuring new types
of policy to cater for emerging customer segments, the sector seems to be
destined for continuing growth. Drawing on the results of an investigation
covering some 330 banking institutions and other issuers and distributors of
credit cards in ten countries in Northern and Central Europe (Austria, the
Czech Republic, Denmark, Germany, Hungary, Norway, Poland, Slovakia, Sweden
and Switzerland), the report analyses the provision of a variety of different
types of insurance and assistance policy in the broad categories of card and
cash protection, travel cover, creditor, accident and health cover, shopping
cover and other miscellaneous policies. Moreover, the PartnerBASE"! database
that accompanies the report details each of more than 4,250 insurance or
assistance enhancements to the c. 2,300 payment cards and bank accounts
analysed. Indeed, specific policy types investigated include each of the
following: card and cash protection policies - card protection insurance, ATM
cash theft insurance; travel policies - travel accident insurance, travel
health insurance, travel assistance, travel inconvenience insurance,
comprehensive travel insurance; creditor, accident and health policies -
creditor insurance - life / permanent disability, creditor insurance -
temporary incapacity / unemployment, personal accident insurance, accidental
death insurance, health and hospital cash plans, health assistance; shopping
policies - purchase protection insurance, price protection insurance, extended
warranty; other policies - road assistance, home assistance, personal
liability insurance, legal expenses insurance and assistance, mobile telephone
insurance, identity protection insurance and assistance, car hire insurance,
corporate liability waiver insurance, and miscellaneous other insurance.
Hence, this report and the PartnerBASE"! that accompanies it can be used in
one or more of the following ways: appreciate the magnitude of the opportunity
in insurance and assistance linked to payment cards and bank accounts in
Northern and Central Europe: in aggregate, this is a significant market; gain
access to a single comprehensive source of information that provides both the
detail and analysis surrounding over 4,250 individual insurance or assistance
enhancements; identify opportunities to develop new forms of insurance or
assistance linked to payment cards and bank accounts in line with the
marketing strategies of banking institutions and other card issuing entities
in Northern and Central Europe; understand the supply structure for insurance
and assistance enhancements and how the market segments between international
specialists, local providers and captive underwriters; gain insight into the
international presence of leading protagonists in this sector including ACE,
AIG, AXA Assistance, BNP Paribas Assurance, CPP, Europ Assistance and Genworth
Financial.
Table of Contents
0.0 EXECUTIVE SUMMARY
- The regional market was worth around € 1.19 billion in gross premiums
written in 200 and should grow at an average annual rate in the 10%-15%
bracket for the foreseeable future
- Comprehensive travel insurance is the most commonly occurring type of
enhancement
- Programs are sometimes organised by centralised card issuers rather than
individual distributors
- Several providers have an identifiably international approach to the market
- The market for insurance and assistance enhancements should continue to
grow at a solid rate as a consequence of the virtuous combination of a variety
of factors including the growing application of insurance and assistance to
standard banking products and changes in the demographic structure and general
behaviour of consumers as a whole
1.0 INTRODUCTION
- Rationale
- Mainstream bancassurance markets are comparatively well documented but
less attention has been given to insurance and assistance linked to banking
products
- Insurance and assistance linked to banking products: Europe' s ' covert'
bancassurance market?
- Methodology
- The research program covers over 4,250 insurance and assistance
enhancements attached to close to 2,300 banking products offered by the
universe of 332 banking entities
- The basic units of analysis for the report are the payment cards and bank
accounts themselves
- Definitions
- Finaccord
- PartnerBASE"!
2.0 REGIONAL OVERVIEW
- Introduction
- Debit cards
- Across all ten countries, debit cards issued advance at an average rate of
4.1% per annum
- Debit cards per capita reach high and low points in 2008 in Germany and
Poland respectively
- Credit and other pay later cards
- Germany alone still accounts for a regional share of more than one third
of credit cards issued
- Several countries have experienced rapid growth in the number of credit
cards issued per capita
- Consumer preference for credit and other pay later cards is apparently
strongest in Norway
- Average number of insurance and assistance policies per product
- Polish banks are the most attentive in providing insurance and assistance
enhancements
- Relative weight of broad categories of insurance and assistance
- Insurance and assistance preferences vary significantly between the ten
countries analysed
- Penetration rates for insurance and assistance policies
- Card and cash cover
- Card protection insurance: available as a standard cover only in the Czech
Republic and Poland
- ATM cash theft insurance: sometimes offered as an adjunct to wider
protection policies
- Travel cover
- Travel accident insurance: packaged with over a half of banking products
analysed in Switzerland
- Travel health insurance: stand-alone policies are found only in Austria
and Germany
- Travel assistance: occasionally packaged with banking products as a
stand-alone formula
- Travel inconvenience insurance: most commonly found on a stand-alone basis
in Denmark
- Comprehensive travel insurance: frequently packaged with banking products
in most countries
- Creditor, accident and health cover
- Creditor insurance (life / permanent disability): rates of provision have
advanced furthest in Poland
- Creditor insurance (temporary incapacity / unemployment): penetration
rates are similar
- Personal accident insurance: no country sees a rate of provision in excess
of 10%
- Accidental death insurance: the regional average penetration rate stands
at just 2.0%
- Health / hospital cash plans: activity can be found in six of the ten
countries investigated
- Health assistance: provision in tandem with banking products occurs only
in Norway and Poland
- Shopping cover
- Purchase protection insurance: adopted to some degree by around a half of
Polish issuers
- Price protection insurance: penetration rates lag far behind those for
purchase protection cover
- Extended warranties: examples of packaging are most visible in Denmark and
Sweden
- Other types of cover
- Road assistance: almost 10% of products analysed in the Czech Republic
include this cover
- Home assistance: 15 banks in Poland have introduced home assistance on a
packaged basis
- Personal liability insurance: packaging with banking products is almost
non-existent
- Legal expenses insurance / assistance: rarely offered in any context other
than travel insurance
- Mobile telephone insurance: isolated examples are identifiable in five of
the ten countries
- Identity protection insurance / assistance: the first pioneers emerge in
Norway and Sweden
- Car hire insurance: a minor feature of the market in five countries in
Northern and Central Europe
- Corporate liability waiver insurance: packaged with business cards only in
Austria and Sweden
- Other miscellaneous insurance: numerous other types of enhancement are in
evidence ranging from cash-in-transit theft insurance and Internet delivery
insurance to missed event and ticket insurance, mobile gadget insurance and
sport-related policies
- Approximate market size
- It is necessary to make a variety of assumptions when computing the market
size
- Comprehensive travel insurance is packaged with around 28.52 million
payment cards
- The regional market was worth approximately € 1.19 billion in gross
written premiums in 2008 and is likely to be growing at an average annual rate
of between 10% and 15% overall
- Insurance and assistance premiums per capita are highest in Norway and
lowest in Hungary
- Travel cover makes up around 36.3% of the market for insurance and
assistance enhancements
- Consumer metrics
- Finaccord' s pan-European consumer research also yields valuable insights
into the market
- Key consumer metrics for card protection insurance
- Card protection insurance paid for separately enjoys the highest
penetration in France
- Key consumer metrics for creditor (card payment protection) insurance
- Insurance protecting credit card payments is most widely held by French
consumers although acquisition rates in a paid-for format are most advanced in
the UK
- Key consumer metrics for travel insurance
- French consumers are most likely to rely on travel insurance linked to
their credit card
- Key consumer metrics for other forms of insurance and assistance
- In the UK, the scope exists to increase free packaging with credit cards
and current accounts
3.0 AUSTRIA
- Introduction to the banking and payment card sectors
- The Austrian retail banking market is populated by a variety of different
types of competitor albeit PayLife Bank and Service Bank play a central role
in the country' s payment card sector
- Credit and other pay later cards make up around one quarter of all payment
cards issued
- Insurance and assistance linked to payment cards and bank accounts
- Broad types of cover
- Cover linked to payment cards and bank accounts in Austria is heavily
oriented towards travel
- Specific cover penetration with fully comprehensive cover applied in a
majority of cases
- Operating models
- Captive and joint venture underwriters are entirely absent from the
Austrian market
- Partner market shares
- Through its subsidiaries, Vienna Insurance Group holds several of the key
partnerships
4.0 CZECH REPUBLIC
- Introduction to the banking and payment card sectors
- Retail banking in the Czech Republic is largely dominated by entities
owned by foreign parents with many overseas firms now seeking to assert
themselves in different market segments
- PPF Group, the owner of Home Credit, is the main competitor remaining
under Czech ownership
- Credit and other pay later cards grow strongly although debit cards remain
dominant
- Insurance and assistance linked to payment cards and bank accounts
- Broad types of cover
- Cover related to card and cash protection is the most common category in
the Czech Republic
- Specific cover penetration
- Comprehensive travel insurance and card payment protection insurance are
also widespread
- Operating models
- SOB Pojiaeovna, Cardif Pro Vita and Komer
- ni Pojiaeovna are the foremost captives
- Partner market shares
- Three providers lead the field for both card protection cover and
comprehensive travel policies
- Cardif Pro Vita is clearly the dominant provider of card-related creditor
insurance
5.0 DENMARK
- Introduction to the banking and payment card sectors
- Denmark is populated by a relatively high number of lending institutions
in spite of its small size
- Credit and other pay later cards grow strongly although debit cards remain
dominant
- Insurance and assistance linked to payment cards and bank accounts
- Broad types of cover
- Insurance policies for card and cash protection are entirely absent from
the Danish market
- Specific cover penetration although extended warranties are attached to
almost one in five banking products analysed
- Operating models
- Captives play a limited role in the market for insurance and assistance
enhancements in Denmark
- Partner market shares
- Several providers compete for mandates in the market for comprehensive
travel insurance
- AIG Europe is prominent as a provider of extended warranties and other
forms of shopping cover
6.0 GERMANY
- Introduction to the banking and payment card sectors
- Germany' s crowded retail banking sector has been subject to a fresh round
of restructuring
- A number of the country' s Landesbanken having run into financial
difficulties
- The credit co-operatives have experienced significant rationalisation in
recent years
- Foreign entrants show that reasonable returns can be generated from German
retail banking
- R&V Versicherung provides the insurance linked to cards issued by most
co-operative banks while most of the local savings banks align themselves with
public sector insurance firms
- Most German consumers remain apparently reluctant to carry credit and
other pay later cards
- Insurance and assistance linked to payment cards and bank accounts
- Broad types of cover
- Payment cards and bank accounts in Germany are most likely to be enhanced
by travel cover
- Specific cover penetration albeit this often appears in the guise of
travel accident insurance or travel health insurance
- Operating models
- The vast majority of schemes are organised in conjunction with a single,
external underwriter albeit brokers such as Affinion International and APRIL
Financial Services are also present
- Partner market shares
- Competition for distribution mandates tends to be fragmented in most of
the main sectors including both card protection insurance and comprehensive
travel insurance as well as card-related creditor insurance and purchase
protection insurance
7.0 HUNGARY
- Introduction to the banking and payment card sectors
- Numerous foreign entrants chase opportunities in Hungarian retail banking
although the independent OTP Bank retains market leadership in many segments
- Overseas competitors lessen concentration and improve efficiency in
Hungarian banking but some participants may be forced to exit the market as
competition intensifies
- Credit and other pay later cards account for just over one in five of all
payment cards issued
- Insurance and assistance linked to payment cards and bank accounts
- Broad types of cover
- Creditor and other accident and health covers are available most
frequently in Hungary
- Specific cover penetration with comprehensive travel cover also carried by
more than a third of banking products analysed
- Operating models
- While OTP Garancia has been acquired by Groupama, several captive insurers
are evident
- Partner market shares
- AIG Europe benefits from a significant array of deals for card-related
travel insurance with Generali Providencia strong in the market for card
payment protection insurance
8.0 NORWAY
- Introduction to the banking and payment card sectors
- Relative to its population, Norway plays host to a fairly high number of
banking institutions including three main savings bank blocks and a variety of
specialised lenders
- Norwegian consumers shift decisively towards credit and other pay later
cards
- Insurance and assistance linked to payment cards and bank accounts
- Broad types of cover
- Over 40% of covers identified fall into the creditor and other accident or
health category
- Specific cover penetration although comprehensive travel cover achieves a
rate of provision in excess of 40.0%
- Operating models
- Marsh administrates several products on behalf of DnB
- Partner market shares
- At least eight providers are active in the market for comprehensive travel
insurance
- Genworth Financial enjoys several important ties for card-related creditor
insurance with AIG Europe emerging as the most prolific partner for purchase
protection insurance
9.0 POLAND
- Introduction to the banking and payment card sectors
- Numerous overseas organisations have entered Poland' s consumer banking
sector although a number of significant banking institutions remain under
local ownership
- Credit and other pay later cards make up one third of all payment cards in
Poland
- Insurance and assistance linked to payment cards and bank accounts
- Broad types of cover
- Banking products in Poland are well-endowed with insurance and assistance
enhancements
- Specific cover penetration
- Comprehensive travel insurance and card payment protection insurance are
also widespread
- Operating models
- Several banking institutions make partial or exclusive use of captive
underwriting entities with Europa achieving particularly strong growth as a
result of its focus on bank distribution
- Bank Zachodni WBK has established a joint venture bancassurance firm in
tandem with Aviva
- Partner market shares
- AIG lays claim to the highest outright number of partnerships for card
protection cover although a comparatively vast array of other providers are
also active in this segment
- Competition is also fragmented in the field of comprehensive travel
insurance as well as card payment protection insurance and purchase protection
insurance
10.0 SLOVAKIA
- Introduction to the banking and payment card sectors
- Foreign institutions dominate retail banking in Slovakia
- Credit and other pay later cards rise to over one quarter of all payment
cards in Slovakia
- Key metrics for debit and credit / pay later cards in Slovakia, 2004-8
- Broad types of cover
- Cover linked to payment cards and bank accounts in Slovakia is most likely
to be travel-related
- Specific cover penetration
- Where provided, travel insurance can almost always be described as
comprehensive
- Operating models
- CSOB Poistovna, Cardif and Poistovna Postovej Banky are the foremost
captives
- Partner market shares
- Several providers compete for deals for card protection policies and
comprehensive travel cover although Cardif is by far the most visible partner
for card-related creditor insurance
11.0 SWEDEN
- Introduction to the banking and payment card sectors
- A variety of second tier banks and specialised lenders challenge the big
four banking groups
- EnterCard issues cards distributed by most savings banks and has also
expanded overseas
- Debit cards and credit / pay later cards are growing at a similar average
annual rate in Sweden
- Insurance and assistance linked to payment cards and bank accounts
- Broad types of cover
- Travel-related protection makes up over 40% of covers linked to banking
products in Sweden
- Specific cover penetration
- Extended warranties have been linked to more than one in ten banking
products analysed
- Operating models
- Captive underwriters are involved in comprehensive travel insurance and
creditor insurance
- Partner market shares
- The market for comprehensive travel insurance is populated by at least
eight providers
- Affinion International is active in both card protection insurance and
extended warranties
12.0 SWITZERLAND
- Introduction to the banking and payment card sectors
- Five main categories of bank compete for retail banking business in
Switzerland
- Zurcher Kantonalbank and Banque Cantonale Vaudoise are the largest
cantonal banks
- 29 regional and savings banks operating 122 branches are affiliated to
Clientis
- If viewed as a single entity, the Raiffeisen banks are country' s third
largest grouping
- Viseca Card Services issues the payment cards distributed by many of
Switzerland' s banks while Swisscard AECS is a joint venture owned by American
Express and Credit Suisse
- Credit and other pay later cards issued outgrow debit cards issued in
Switzerland
- Insurance and assistance linked to payment cards and bank accounts
- Broad types of cover
- Swiss banks and card issuers offer the thinnest choice of insurance and
assistance covers
- Specific cover penetration with most payment cards limited to low value
travel accident insurance
- Operating models
- Maveris Assurance is one of only two captive underwriters active in the
Swiss market
- Partner market shares
- Relationships for forms of travel cover are concentrated among a handful
of suppliers
- Corner Banca has linked with CAP Protection Juridique for legal expenses
insurance
GRAPHICS / TABLES
- Banks and other entities covered by the research, segmented by country 8
- Payment cards and bank accounts covered by the research segmented by
country, marque and type 9
- Debit cards issued in Northern and Central Europe, segmented by country,
2004-8 17
- Debit cards issued in Northern and Central Europe, segmented by country,
2004-8 (data) 18
- Debit cards issued per capita in Northern and Central Europe, segmented by
country, 2004-8 19
- Debit cards issued per capita in Northern and Central Europe, segmented by
country, 2004-8 (data) 20
- Credit and other pay later cards issued in Northern and Central Europe,
segmented by country, 2004-8 21
- Credit and other pay later cards issued in Northern and Central Europe,
segmented by country, 2004-8 (data) 22
- Credit and other pay later cards issued per capita in Northern and Central
Europe, segmented by country, 2004-8 23
- Credit and other pay later cards issued per capita in Northern and Central
Europe, segmented by country, 2004-8 (data) 24
- Credit and other pay later cards issued as a % of all payment cards issued
in Northern and Central Europe, segmented by country, 2004-8 25
- Credit and other pay later cards issued as a % of all payment cards issued
in Northern and Central Europe, segmented by country, 2004-8 (data) 26
- Average number of insurance and assistance covers per product analysed in
Northern and Central Europe, segmented by country, 2009 27
- Relative weight of insurance and assistance policies linked to payment
cards and bank accounts in Northern and Central Europe, segmented by broad
type of cover, 2009 28
- Relative weight of insurance and assistance policies linked to payment
cards and bank accounts in Northern and Central Europe, segmented by broad
type of cover, 2009 (data) 29
- Penetration rates for card protection insurance in Northern and Central
Europe, segmented by country, 2009 31
- Penetration rates for ATM cash theft insurance in Northern and Central
Europe, segmented by country, 2009 32
- Penetration rates for travel accident insurance in Northern and Central
Europe, segmented by country, 2009 33
- Penetration rates for travel health insurance in Northern and Central
Europe, segmented by country, 2009 34
- Penetration rates for travel assistance in Northern and Central Europe,
segmented by country, 2009 35
- Penetration rates for travel inconvenience insurance in Northern and
Central Europe, segmented by country, 2009
- 36
- Penetration rates for comprehensive travel insurance in Northern and
Central Europe, segmented by country, 2009 37
- Penetration rates for creditor insurance (life / permanent disability) in
Northern and Central Europe, segmented by country, 2009 38
- Penetration rates for creditor insurance (temporary incapacity /
unemployment) in Northern and Central Europe, segmented by country, 2009 39
- Penetration rates for personal accident insurance in Northern and Central
Europe, segmented by country, 2009 40
- Penetration rates for accidental death insurance in Northern and Central
Europe, segmented by country, 2009 41
- Penetration rates for health / hospital cash plans in Northern and Central
Europe, segmented by country, 2009 42
- Penetration rates for health assistance in Northern and Central Europe,
segmented by country, 2009 43
- Penetration rates for purchase protection insurance in Northern and
Central Europe, segmented by country, 2009 44
- Penetration rates for price protection insurance in Northern and Central
Europe, segmented by country, 2009 45
- Penetration rates for extended warranties in Northern and Central Europe,
segmented by country, 2009 46
- Penetration rates for road assistance in Northern and Central Europe,
segmented by country, 2009 47
- Penetration rates for home assistance in Northern and Central Europe,
segmented by country, 2009 48
- Penetration rates for personal liability insurance in Northern and Central
Europe, segmented by country, 2009 49
- Penetration rates for legal expenses insurance / legal assistance in
Northern and Central Europe, segmented by country, 2009 50
- Penetration rates for mobile telephone insurance in Northern and Central
Europe, segmented by country, 2009 51
- Penetration rates for identity protection insurance / assistance in
Northern and Central Europe, segmented by country, 2009 52
- Penetration rates for car hire insurance in Northern and Central Europe,
segmented by country, 2009 53
- Penetration rates for corporate liability waiver insurance in Northern and
Central Europe, segmented by country, 2009 54
- Penetration rates for other miscellaneous insurance in Northern and
Central Europe, segmented by country, 2009 56
- Approximate number of payment cards and bank accounts carrying insurance
and assistance policies in Northern and Central Europe, segmented by specific
type of cover, 2009 58
- Approximate gross written premiums for insurance and assistance linked to
payment cards and bank accounts in Northern and Central Europe, segmented by
country, 2008 60
- Approximate gross written premiums for insurance and assistance linked to
payment cards and bank accounts per capita in Northern and Central Europe,
segmented by country, 2008 61
- Approximate gross written premiums for insurance and assistance linked to
payment cards and bank accounts in Northern and Central Europe, segmented by
type of cover, 2008 63
- Approximate gross written premiums for insurance and assistance linked to
payment cards and bank accounts in Northern and Central Europe, segmented by
type of cover, 2008 (data) 64
- Percentage of cardholders in France, Germany, Italy, Spain and the UK in
possession of card protection insurance, 2008 67
- Percentage of cardholders in France, Germany, Italy, Spain and the UK in
possession of card protection insurance, 2008 (data) 67
- Percentage of cardholders in France, Germany, Italy, Spain and the UK in
possession of creditor (card payment protection) insurance, 2006 69
- Percentage of cardholders in France, Germany, Italy, Spain and the UK in
possession of creditor (card payment protection) insurance, 2006 (data) 70
- Types of travel insurance protecting respondents in France, Germany,
Italy, Spain and the UK, 2004-6 72
- Types of travel insurance protecting respondents in France, Germany,
Italy, Spain and the UK, 2004-6 (data) 73
- Percentage of consumers in the UK with other forms of insurance and
assistance included for free on a credit card or within a current account,
2007 75
- Number of debit and credit / pay later cards in Austria, 2004-8 78
- Key metrics for debit and credit / pay later cards in Austria, 2004-8 79
- Relative weight of insurance and assistance policies linked to payment
cards and bank accounts in Austria, segmented by broad type of cover, 2009 80
- Penetration of insurance and assistance policies linked to payment cards
and bank accounts in Austria, segmented by specific type of cover, 2009 82
- Operating models used for insurance and assistance policies linked to
payment cards and bank accounts in Austria, segmented by specific type of
cover, 2009 84
- Partner market shares for insurance and assistance linked to bank accounts
and payment cards in Austria, segmented by type of cover, 2009 86
- Number of debit and credit / pay later cards in the Czech Republic, 2004-8
89
- Key metrics for debit and credit / pay later cards in the Czech Republic,
2004-8 90
- Relative weight of insurance and assistance policies linked to payment
cards and bank accounts in the Czech Republic, segmented by broad type of
cover, 2009 91
- Penetration of insurance and assistance policies linked to payment cards
and bank accounts in the Czech Republic, segmented by specific type of cover,
2009 93
- Operating models used for insurance and assistance policies linked to
payment cards and bank accounts in the Czech Republic, segmented by specific
type of cover, 2009 95
- Partner market shares for insurance and assistance linked to bank accounts
and payment cards in the Czech Republic, segmented by type of cover, 2009 97
- Number of debit and credit / pay later cards in Denmark, 2004-8 100
- Key metrics for debit and credit / pay later cards in Denmark, 2004-8 101
- Relative weight of insurance and assistance policies linked to payment
cards and bank accounts in Denmark, segmented by broad type of cover, 2009 102
- Penetration of insurance and assistance policies linked to payment cards
and bank accounts in Denmark, segmented by specific type of cover, 2009 104
- Operating models used for insurance and assistance policies linked to
payment cards and bank accounts in Denmark, segmented by specific type of
cover, 2009 106
- Partner market shares for insurance and assistance linked to bank accounts
and payment cards in Denmark, segmented by type of cover, 2009 108
- Number of debit and credit / pay later cards in Germany, 2004-8 113
- Key metrics for debit and credit / pay later cards in Germany, 2004-8 114
- Relative weight of insurance and assistance policies linked to payment
cards and bank accounts in Germany, segmented by broad type of cover, 2009 115
- Penetration of insurance and assistance policies linked to payment cards
and bank accounts in Germany, segmented by specific type of cover, 2009 117
- Operating models used for insurance and assistance policies linked to
payment cards and bank accounts in Germany, segmented by specific type of
cover, 2009 119
- Partner market shares for insurance and assistance linked to bank accounts
and payment cards in Germany, segmented by type of cover, 2009 121
- Number of debit and credit / pay later cards in Hungary, 2004-8 124
- Key metrics for debit and credit / pay later cards in Hungary, 2004-8 125
- Relative weight of insurance and assistance policies linked to payment
cards and bank accounts in Hungary, segmented by broad type of cover, 2009 126
- Penetration of insurance and assistance policies linked to payment cards
and bank accounts in Hungary, segmented by specific type of cover, 2009 128
- Operating models used for insurance and assistance policies linked to
payment cards and bank accounts in Hungary, segmented by specific type of
cover, 2009 130
- Partner market shares for insurance and assistance linked to bank accounts
and payment cards in Hungary, segmented by type of cover, 2009 132
- Number of debit and credit / pay later cards in Norway, 2004-8 135
- Key metrics for debit and credit / pay later cards in Norway, 2004-8 136
- Relative weight of insurance and assistance policies linked to payment
cards and bank accounts in Norway, segmented by broad type of cover, 2009 137
- Penetration of insurance and assistance policies linked to payment cards
and bank accounts in Norway, segmented by specific type of cover, 2009 139
- Operating models used for insurance and assistance policies linked to
payment cards and bank accounts in Norway, segmented by specific type of
cover, 2009 141
- Partner market shares for insurance and assistance linked to bank accounts
and payment cards in Norway, segmented by type of cover, 2009 143
- Number of debit and credit / pay later cards in Poland, 2004-8 146
- Key metrics for debit and credit / pay later cards in Poland, 2004-8 147
- Relative weight of insurance and assistance policies linked to payment
cards and bank accounts in Poland, segmented by broad type of cover, 2009 148
- Penetration of insurance and assistance policies linked to payment cards
and bank accounts in Poland, segmented by specific type of cover, 2009 150
- Operating models used for insurance and assistance policies linked to
payment cards and bank accounts in Poland, segmented by specific type of
cover, 2009 152
- Partner market shares for insurance and assistance linked to bank accounts
and payment cards in Poland, segmented by type of cover, 2009 155
- Number of debit and credit / pay later cards in Slovakia, 2004-8 158
- Key metrics for debit and credit / pay later cards in Slovakia, 2004-8 159
- Relative weight of insurance and assistance policies linked to payment
cards and bank accounts in Slovakia, segmented by broad type of cover, 2009 160
- Penetration of insurance and assistance policies linked to payment cards
and bank accounts in Slovakia, segmented by specific type of cover, 2009 162
- Operating models used for insurance and assistance policies linked to
payment cards and bank accounts in Slovakia, segmented by specific type of
cover, 2009 164
- Partner market shares for insurance and assistance linked to bank accounts
and payment cards in Slovakia, segmented by type of cover, 2009 166
- Number of debit and credit / pay later cards in Sweden, 2004-8 169
- Key metrics for debit and credit / pay later cards in Sweden, 2004-8 170
- Relative weight of insurance and assistance policies linked to payment
cards and bank accounts in Sweden, segmented by broad type of cover, 2009 171
- Penetration of insurance and assistance policies linked to payment cards
and bank accounts in Sweden, segmented by specific type of cover, 2009 173
- Operating models used for insurance and assistance policies linked to
payment cards and bank accounts in Sweden, segmented by specific type of
cover, 2009 175
- Partner market shares for insurance and assistance linked to bank accounts
and payment cards in Sweden, segmented by type of cover, 2009 177
- Number of debit and credit / pay later cards in Switzerland, 2004-8 181
- Key metrics for debit and credit / pay later cards in Switzerland, 2004-8
182
- Relative weight of insurance and assistance policies linked to payment
cards and bank accounts in Switzerland, segmented by broad type of cover, 2009
183
- Penetration of insurance and assistance policies linked to payment cards
and bank accounts in Switzerland, segmented by specific type of cover, 2009 185
- Operating models used for insurance and assistance policies linked to
payment cards and bank accounts in Switzerland, segmented by specific type of
cover, 2009 187
- Partner market shares for insurance and assistance linked to bank accounts
and payment cards in Switzerland, segmented by type of cover, 2009 189
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