{"id":114646,"date":"2024-01-22T18:59:36","date_gmt":"2024-01-22T17:59:36","guid":{"rendered":"https:\/\/www.wifo.ac.at\/publication\/114646\/"},"modified":"2024-11-14T13:17:20","modified_gmt":"2024-11-14T12:17:20","slug":"rezession-trifft-die-versicherungswirtschaft-abgemildert-2","status":"publish","type":"publication","link":"https:\/\/www.wifo.ac.at\/en\/publication\/114646\/","title":{"rendered":"Insurance Industry Takes Moderate Hit from Recession"},"content":{"rendered":"","protected":false},"featured_media":0,"template":"","class_list":["post-114646","publication","type-publication","status-publish","hentry"],"acf":{"subtitle":"","text":"The premium income of Austria's private insurance industry stagnated in 2009; however, given the economic decline, income remained relatively robust. Nevertheless, with zero growth, 2009 remained one of the worst years in the recent past. Given the decline in nominal GDP (\u20133.1 percent), insurance penetration rose markedly to 6 percent, correcting the downward trend of recent years. The distribution of premium income among the three insurance branches shifted toward life and health insurance and away from car insurance, where income sank. This Austrian pattern was in line with the trend in continental Europe, which also experienced a decline in non-life insurance and a simultaneous shift in demand to life insurance policies with a minimum income guarantee. In contrast, the Anglo-Saxon-type insurance markets recorded a marked loss in premium income largely resulting from the collapse of unit-linked life insurance.","onlinedate":"2010-10-20 12:00:00","lang":"German","publication_series":"","publication_date":"20101001","publication_date_year":"","publication_date_full":false,"publication_num_pages":"","keywords":"[\"Lebensversicherungen Schaden- und Unfallversicherungen\"]","jelcodes":"[]","related_publications":"[]","pdf":415026,"zip":null,"link":"","monthly_report":true,"monthly_report_main":false,"monthly_report_volume":"83","monthly_report_pages":"821-830","monthly_report_pages_sort":"821","issue":"10","journal":"WIFO-Monatsberichte","publisher":"","invisible":false,"external":false,"embargo_date":"2010-10-20 12:00:00","types":[44312],"research_groups":[3500],"collaboration":"","persons":[3899],"persons_data":"[{\"personId\":3899,\"personName\":\"Thomas Url\",\"organisationNames\":[]}]","clients":[],"subclients":[],"partners":[],"topics":[],"host_publication_title":"","host_publication_subtitle":"","place_of_publication":"","host_publication_editors":"[]","type_description":"","output_media":"","chapter":"","article_number":"","citations":"{\"apa\":\"<div class=\\\"rendering rendering_researchoutput  rendering_researchoutput_apa rendering_contributiontoperiodical rendering_apa rendering_contributiontoperiodical_apa\\\"><span>Url, T.<\\\/span> (2010). <span>Rezession trifft die Versicherungswirtschaft abgemildert<\\\/span>. <span><em>WIFO-Monatsberichte<\\\/em><\\\/span>, <em>83<\\\/em>(10), 821-830. <a onclick=\\\"window.open(this.href, '_blank','noopener,noreferrer'); return false;\\\" href=\\\"https:\\\/\\\/www.wifo.ac.at\\\/wwa\\\/pubid\\\/40599\\\" class=\\\"link\\\"><span>https:\\\/\\\/www.wifo.ac.at\\\/wwa\\\/pubid\\\/40599<\\\/span><\\\/a><\\\/div>\",\"vancouver\":\"<div class=\\\"rendering rendering_researchoutput  rendering_researchoutput_vancouver rendering_contributiontoperiodical rendering_vancouver rendering_contributiontoperiodical_vancouver\\\"><span>Url T<\\\/span>. <span class=\\\"title\\\"><span>Rezession trifft die Versicherungswirtschaft abgemildert<\\\/span><\\\/span>. <span>WIFO-Monatsberichte<\\\/span>. 2010 Oct;83(10):821-830.<\\\/div>\",\"bibtex\":\"<div class=\\\"rendering rendering_researchoutput  rendering_researchoutput_bibtex rendering_contributiontoperiodical rendering_bibtex rendering_contributiontoperiodical_bibtex\\\"><div>@misc{84e6af65c0e148beb38e5cfe56e08e57,<\\\/div><div>  title    = \\\"Rezession trifft die Versicherungswirtschaft abgemildert\\\",<\\\/div><div>  abstract = \\\"Die Pr{\\\\\\\"a}mieneinnahmen der Versicherungswirtschaft stagnierten 2009 im Gefolge der Rezession. Die schlechten wirtschaftlichen Rahmenbedingungen verursachten vor allem in der Kfz-Versicherung und in der gewerblichen Versicherung einen Preisdruck, der die durchschnittlichen Pr{\\\\\\\"a}mien sinken lie{\\\\ss}. Der R{\\\\\\\"u}ckgang der Pr{\\\\\\\"a}mieneinnahmen in der Schaden-Unfallversicherung wurde auch durch die Zunahme der Zahl versicherter Risken nicht ausgeglichen. Die Krankenversicherung erwies sich auch 2009 als konstanter Wachstumsfaktor der Versicherungswirtschaft, w{\\\\\\\"a}hrend in der Lebensversicherung die Einmalerl{\\\\\\\"a}ge f{\\\\\\\"u}r ein Umsatzplus sorgten.\\\",<\\\/div><div>  keywords = \\\"Lebensversicherungen Schaden- und Unfallversicherungen, Lebensversicherungen Schaden- und Unfallversicherungen\\\",<\\\/div><div>  author   = \\\"Thomas Url\\\",<\\\/div><div>  note     = \\\"Privatversicherungswirtschaft\\\",<\\\/div><div>  year     = \\\"2010\\\",<\\\/div><div>  month    = oct,<\\\/div><div>  language = \\\"Deutsch\\\",<\\\/div><div>  volume   = \\\"83\\\",<\\\/div><div>  pages    = \\\"821--830\\\",<\\\/div><div>  journal  = \\\"WIFO-Monatsberichte\\\",<\\\/div><p>}<\\\/p><\\\/div>\",\"ris\":\"<div class=\\\"rendering rendering_researchoutput  rendering_researchoutput_ris rendering_contributiontoperiodical rendering_ris rendering_contributiontoperiodical_ris\\\"><p>TY  - GEN<\\\/p><p>T1  - Rezession trifft die Versicherungswirtschaft abgemildert<\\\/p><p>AU  - Url, Thomas<\\\/p><p>N1  - Privatversicherungswirtschaft<\\\/p><p>PY  - 2010\\\/10<\\\/p><p>Y1  - 2010\\\/10<\\\/p><p>N2  - Die Pr\u00e4mieneinnahmen der Versicherungswirtschaft stagnierten 2009 im Gefolge der Rezession. Die schlechten wirtschaftlichen Rahmenbedingungen verursachten vor allem in der Kfz-Versicherung und in der gewerblichen Versicherung einen Preisdruck, der die durchschnittlichen Pr\u00e4mien sinken lie\u00df. Der R\u00fcckgang der Pr\u00e4mieneinnahmen in der Schaden-Unfallversicherung wurde auch durch die Zunahme der Zahl versicherter Risken nicht ausgeglichen. Die Krankenversicherung erwies sich auch 2009 als konstanter Wachstumsfaktor der Versicherungswirtschaft, w\u00e4hrend in der Lebensversicherung die Einmalerl\u00e4ge f\u00fcr ein Umsatzplus sorgten.<\\\/p><p>AB  - Die Pr\u00e4mieneinnahmen der Versicherungswirtschaft stagnierten 2009 im Gefolge der Rezession. Die schlechten wirtschaftlichen Rahmenbedingungen verursachten vor allem in der Kfz-Versicherung und in der gewerblichen Versicherung einen Preisdruck, der die durchschnittlichen Pr\u00e4mien sinken lie\u00df. Der R\u00fcckgang der Pr\u00e4mieneinnahmen in der Schaden-Unfallversicherung wurde auch durch die Zunahme der Zahl versicherter Risken nicht ausgeglichen. Die Krankenversicherung erwies sich auch 2009 als konstanter Wachstumsfaktor der Versicherungswirtschaft, w\u00e4hrend in der Lebensversicherung die Einmalerl\u00e4ge f\u00fcr ein Umsatzplus sorgten.<\\\/p><p>KW  - Lebensversicherungen Schaden- und Unfallversicherungen<\\\/p><p>KW  - Lebensversicherungen Schaden- und Unfallversicherungen<\\\/p><p>M3  - WIFO-Schriftenreihen<\\\/p><p>VL  - 83<\\\/p><p>SP  - 821<\\\/p><p>EP  - 830<\\\/p><p>JO  - WIFO-Monatsberichte<\\\/p><p>JF  - WIFO-Monatsberichte<\\\/p><p>ER  - <\\\/p><\\\/div>\"}","scientific_assistance":"[]","scientific_review":"[]","version":"","release_date":null,"expiration_date":null,"surveyor":"","research_assistance":"","edv":"","additional_info_de":"","additional_info_en":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.3 (Yoast SEO v28.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Insurance Industry Takes Moderate Hit from Recession - WIFO<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.wifo.ac.at\/en\/publication\/114646\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Insurance Industry Takes Moderate Hit from Recession\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.wifo.ac.at\/en\/publication\/114646\/\" \/>\n<meta property=\"og:site_name\" content=\"WIFO\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/WIFOat\/\" \/>\n<meta property=\"article:modified_time\" content=\"2024-11-14T12:17:20+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.wifo.ac.at\/wp-content\/uploads\/2024\/05\/WIFO-Gebaeude-FotoAlexanderMueller-www.alexandermueller.at-IMG_6326-Bearbeitet-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1280\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@WIFOat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.wifo.ac.at\\\/en\\\/publication\\\/114646\\\/\",\"url\":\"https:\\\/\\\/www.wifo.ac.at\\\/en\\\/publication\\\/114646\\\/\",\"name\":\"Insurance Industry Takes Moderate Hit from Recession - 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