Insurance and Assistance linked to Payment Cards and Bank Accounts in Northern and Central Europe

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
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  ni Pojia
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  ovna 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