{"id":117034,"date":"2024-01-22T20:19:14","date_gmt":"2024-01-22T19:19:14","guid":{"rendered":"https:\/\/www.wifo.ac.at\/publication\/117034\/"},"modified":"2026-02-17T16:42:57","modified_gmt":"2026-02-17T15:42:57","slug":"niedrige-finanzertraege-schwaechen-lebensversicherung-entwicklung-der-privatversicherungswirtschaft-in-oesterreich-2011","status":"publish","type":"publication","link":"https:\/\/www.wifo.ac.at\/en\/publication\/117034\/","title":{"rendered":"Low Financial Returns Undermine the Life Insurance Business. Trends in the Austrian Private Insurance Industry in 2011"},"content":{"rendered":"","protected":false},"featured_media":0,"template":"","class_list":["post-117034","publication","type-publication","status-publish","hentry"],"acf":{"subtitle":"","text":"With a modest increase of premium revenues by 1.1 percent in 2011, growth of Austria's private insurance companies remained below that of nominal GDP (+5 percent). Performance within the sector was uneven: while premium revenues in property-liability and accident insurance rose by a hefty 7.2 percent, they fell by a surprisingly strong 7.3 percent in the life insurance branch. Private health insurance showed the customary smooth development (+3.6 percent), such that the composition of premium revenues among the three major insurance branches shifted further towards the non-life insurance business. Austria thereby followed the general trend in Europe of receding demand for life insurance and slowly-expanding non-life insurance business. Accordingly, insurance intensity declined to a ratio of 5.5 percent of GDP in 2011, the lowest reading in more than a decade. Current projections assume this trend to continue in 2012.","onlinedate":"2012-10-25 12:00:00","lang":"German","publication_series":"","publication_date":"20121001","publication_date_year":"","publication_date_full":false,"publication_num_pages":"","keywords":"[\"Lebensversicherungen Schaden- und Unfallversicherungen\"]","jelcodes":"[]","related_publications":"[]","pdf":441803,"zip":null,"link":"https:\/\/www.wifo.ac.at\/wwa\/pubid\/45582","monthly_report":true,"monthly_report_main":false,"monthly_report_volume":"85","monthly_report_pages":"787-795","monthly_report_pages_sort":"787","issue":"10","journal":"WIFO-Monatsberichte","publisher":"","invisible":false,"external":false,"embargo_date":"2012-10-25 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> (2012). <span>Niedrige Finanzertr\u00e4ge schw\u00e4chen Lebensversicherung. Entwicklung der Privatversicherungswirtschaft in \u00d6sterreich 2011<\\\/span>. <span><em>WIFO-Monatsberichte<\\\/em><\\\/span>, <em>85<\\\/em>(10), 787-795. <a onclick=\\\"window.open(this.href, '_blank','noopener,noreferrer'); return false;\\\" href=\\\"https:\\\/\\\/www.wifo.ac.at\\\/wwa\\\/pubid\\\/45582\\\" class=\\\"link\\\"><span>https:\\\/\\\/www.wifo.ac.at\\\/wwa\\\/pubid\\\/45582<\\\/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>Niedrige Finanzertr\u00e4ge schw\u00e4chen Lebensversicherung. Entwicklung der Privatversicherungswirtschaft in \u00d6sterreich 2011<\\\/span><\\\/span>. <span>WIFO-Monatsberichte<\\\/span>. 2012 Oct;85(10):787-795.<\\\/div>\",\"bibtex\":\"<div class=\\\"rendering rendering_researchoutput  rendering_researchoutput_bibtex rendering_contributiontoperiodical rendering_bibtex rendering_contributiontoperiodical_bibtex\\\"><div>@misc{03fa873ada7d463986663efd83f94960,<\\\/div><div>  title    = \\\"Niedrige Finanzertr{\\\\\\\"a}ge schw{\\\\\\\"a}chen Lebensversicherung. Entwicklung der Privatversicherungswirtschaft in {\\\\\\\"O}sterreich 2011\\\",<\\\/div><div>  abstract = \\\"Mit einer verhaltenen Ausweitung der Pr{\\\\\\\"a}mieneinnahmen um 1,1\\\\% blieb die {\\\\\\\"o}sterreichische Privatversicherungswirtschaft 2011 hinter dem Wachstum des nominellen BIP (+5\\\\%) zur{\\\\\\\"u}ck. Dabei zeigte die Branche ein gespaltenes Bild: Einerseits zogen die Pr{\\\\\\\"a}mieneinnahmen in der Schaden-Unfallversicherung deutlich an (+7,2\\\\%), andererseits brach das Ergebnis in der Lebensversicherung {\\\\\\\"u}berraschend deutlich ein (\u20137,3\\\\%). Das schwierige Umfeld auf den Geld- und Kapitalm{\\\\\\\"a}rkten wirkte sich 2011 auf die Finanzertr{\\\\\\\"a}ge der Versicherungswirtschaft negativ aus und f{\\\\\\\"u}hrte die Veranlagungsrendite auf versicherungswirtschaftliches Kapital n{\\\\\\\"a}her an die Sekund{\\\\\\\"a}rmarktrendite f{\\\\\\\"u}r Bundesanleihen heran.\\\",<\\\/div><div>  keywords = \\\"Lebensversicherungen Schaden- und Unfallversicherungen, Lebensversicherungen Schaden- und Unfallversicherungen\\\",<\\\/div><div>  author   = \\\"Thomas Url\\\",<\\\/div><div>  note     = \\\"Privatversicherungswirtschaft 2011\\\",<\\\/div><div>  year     = \\\"2012\\\",<\\\/div><div>  month    = oct,<\\\/div><div>  language = \\\"Deutsch\\\",<\\\/div><div>  volume   = \\\"85\\\",<\\\/div><div>  pages    = \\\"787--795\\\",<\\\/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  - Niedrige Finanzertr\u00e4ge schw\u00e4chen Lebensversicherung. Entwicklung der Privatversicherungswirtschaft in \u00d6sterreich 2011<\\\/p><p>AU  - Url, Thomas<\\\/p><p>N1  - Privatversicherungswirtschaft 2011<\\\/p><p>PY  - 2012\\\/10<\\\/p><p>Y1  - 2012\\\/10<\\\/p><p>N2  - Mit einer verhaltenen Ausweitung der Pr\u00e4mieneinnahmen um 1,1% blieb die \u00f6sterreichische Privatversicherungswirtschaft 2011 hinter dem Wachstum des nominellen BIP (+5%) zur\u00fcck. Dabei zeigte die Branche ein gespaltenes Bild: Einerseits zogen die Pr\u00e4mieneinnahmen in der Schaden-Unfallversicherung deutlich an (+7,2%), andererseits brach das Ergebnis in der Lebensversicherung \u00fcberraschend deutlich ein (\u20137,3%). Das schwierige Umfeld auf den Geld- und Kapitalm\u00e4rkten wirkte sich 2011 auf die Finanzertr\u00e4ge der Versicherungswirtschaft negativ aus und f\u00fchrte die Veranlagungsrendite auf versicherungswirtschaftliches Kapital n\u00e4her an die Sekund\u00e4rmarktrendite f\u00fcr Bundesanleihen heran.<\\\/p><p>AB  - Mit einer verhaltenen Ausweitung der Pr\u00e4mieneinnahmen um 1,1% blieb die \u00f6sterreichische Privatversicherungswirtschaft 2011 hinter dem Wachstum des nominellen BIP (+5%) zur\u00fcck. Dabei zeigte die Branche ein gespaltenes Bild: Einerseits zogen die Pr\u00e4mieneinnahmen in der Schaden-Unfallversicherung deutlich an (+7,2%), andererseits brach das Ergebnis in der Lebensversicherung \u00fcberraschend deutlich ein (\u20137,3%). Das schwierige Umfeld auf den Geld- und Kapitalm\u00e4rkten wirkte sich 2011 auf die Finanzertr\u00e4ge der Versicherungswirtschaft negativ aus und f\u00fchrte die Veranlagungsrendite auf versicherungswirtschaftliches Kapital n\u00e4her an die Sekund\u00e4rmarktrendite f\u00fcr Bundesanleihen heran.<\\\/p><p>KW  - Lebensversicherungen Schaden- und Unfallversicherungen<\\\/p><p>KW  - Lebensversicherungen Schaden- und Unfallversicherungen<\\\/p><p>M3  - WIFO-Schriftenreihen<\\\/p><p>VL  - 85<\\\/p><p>SP  - 787<\\\/p><p>EP  - 795<\\\/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>Low Financial Returns Undermine the Life Insurance Business. Trends in the Austrian Private Insurance Industry in 2011 - 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\/117034\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Low Financial Returns Undermine the Life Insurance Business. 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