Travel Insurance Barometer Ireland 2025: The Complete Report
As the global travel insurance industry undergoes a robust, digitally-driven expansion in 2025, fueled by a heightened post-pandemic awareness of travel risks, the Irish market demonstrates significant and sustained growth. Valued at €154.6 million and achieving an insurance penetration rate of 38% among outbound travellers, Ireland reflects this worldwide trend with distinction. This solidifies a clear shift in consumer mindset, where comprehensive protection for journeys to key destinations like the USA and Spain is increasingly viewed as an essential component of travel planning.
The travel insurance market in 2025: An overview and key numbers in Ireland and the world
Travel insurance penetration rate: How does Ireland rank in the world?
The travel insurance penetration rate, which measures the proportion of outbound travellers who are insured, is a vital metric for understanding market maturity and consumer risk perception. For Ireland, this indicator points to a market in a distinct growth phase, shaped by post-pandemic behavioural shifts and increasing digital adoption. The data reveals a solid foundation with significant potential for future expansion.
As of 2025, the travel insurance penetration rate in Ireland is estimated at 38%.
This positions Ireland as a developing market, notably behind its nearest neighbour, the United Kingdom (78%), but comparable to other major Western markets like the United States (40%).
The current rate reflects a steady climb from pre-pandemic levels of around 32%, a trend directly linked to a heightened awareness of travel-related risks such as cancellations and medical emergencies.
Looking forward, the rate is projected to reach approximately 45% by 2030. This anticipated growth is strongly supported by the rapid shift to digital channels, with 72% of policies now purchased online, indicating a clear pathway to capturing a larger share of the travelling population.
Travel Insurance Coverage Rates in Ireland and Worldwide
Transformation of the Travel Insurance Market in Ireland
The post-COVID era has fundamentally reshaped the travel insurance market in Ireland. While outbound travel has strongly rebounded, expected to reach 100% of pre-pandemic levels in 2025, the most significant transformation is in consumer mindset. There has been a clear and sustained rise in risk awareness, evidenced by the travel insurance penetration rate climbing from pre-pandemic levels to 38%. This notable increase demonstrates that insurance is no longer a discretionary add-on but an essential component of travel planning for a growing number of Irish holidaymakers.
Travel Insurance: Premiums and Ways to Subscribe
The average premium per traveller serves as a crucial indicator of a market's pricing dynamics, influenced by travel patterns, perceived risks, and the competitive landscape. For Ireland, this figure reflects a market that balances the affordability of European travel with the higher costs associated with popular long-haul destinations. This analysis provides a comparative perspective on where the Irish market stands globally.
A comparison of average travel insurance premiums per policy across key markets in 2025.
Sources: Forbes Advisor, Squaremouth, and national industry reports.
In 2025, the average premium for a travel insurance policy in Ireland is approximately €75.
This places the Irish market in a middle ground within Europe, significantly more affordable than long-haul markets like the United States (approximately €189) and Australia (approximately €138), but higher than the hyper-competitive United Kingdom market (approximately €44).
The premium in Ireland is shaped by a dual travel pattern: frequent, low-cost trips to European destinations like Spain and France are balanced by a strong demand for travel to the USA, where the high cost of healthcare necessitates more expensive, comprehensive policies.
Typically representing 4-6% of the total trip cost, this premium level indicates a mature and competitive market that caters to a diverse range of travel habits.
The channels through which consumers purchase travel insurance are a key indicator of market maturity and purchasing habits. In Ireland, the balance between direct subscriptions and policies bundled with travel bookings reveals a market where consumers are increasingly proactive and digitally engaged. This dynamic shapes how insurers must approach both their direct-to-consumer strategies and their partnerships within the travel industry.
| Distribution Channel | Market Share in Ireland (2025) |
|---|---|
| Direct Subscription (Insurer/Agent) | ~56% |
| Bundled with Trips/Flights | ~44% |
Source: Grand View Research, EY Ireland, industry data.
The distribution landscape in Ireland is led by direct channels, which account for a majority share of 56%. This indicates a growing preference among Irish travelers to actively research and select their insurance policies, rather than simply accepting a bundled add-on at the point of booking a flight or holiday.
This trend is strongly supported by the high digital penetration, with an estimated 72% of policies being purchased online in 2025, allowing for easy comparison of features and prices.
Nonetheless, the bundled channel remains a significant force at 44%, driven by convenience and strategic partnerships between major insurers and travel providers like airlines and online travel agents.
This dual-channel market requires insurers in Ireland to maintain a strong direct brand presence while also cultivating robust B2B relationships to capture the significant segment of travelers who prioritize ease of purchase.
The rise of digital channels has fundamentally reshaped how travel insurance is purchased in Ireland. This metric reveals the extent to which consumers have embraced online platforms for convenience, comparison, and direct engagement with providers. The data indicates a rapid and decisive shift towards a digital-first market.
- Share of subscriptions made online (2025): ~72%
- Evolution since 2019: Up from ~55%
- Forecast for 2030: >85%
Source: Grand View Research, EY Ireland, industry data.
The impressive 72% share of online subscriptions in Ireland highlights a market that has fully embraced digital purchasing.
This significant jump from pre-pandemic levels has been fuelled by a greater consumer demand for self-service options, the influence of comparison websites, and the growth of embedded insurance within flight bookings (e.g., Ryanair, Aer Lingus) and fintech apps.
Even though direct subscriptions (56%) slightly outweigh bundled sales (44%), both routes are increasingly digital.
For insurers in Ireland, this means that a seamless online user journey, from quote to claim, is no longer a competitive advantage but a core business necessity.
The projection that over 85% of sales will be online by 2030 solidifies the digital channel as the primary arena for market growth and competition.
Travel insurance claims in Ireland: Frequency, types, and credit card share
Understanding the frequency and financial impact of different claim types is essential for assessing risk in the travel insurance sector. In Ireland, the data highlights a clear distinction between common travel mishaps and rare, high-cost emergencies, shaping both consumer demand and insurer strategy.
| Claim Type | Claim Frequency (% per policy) | Average Claim Amount (in Ireland) |
|---|---|---|
| Trip Cancellation | ~2.5% | €1,200 |
| Baggage Loss/Damage | ~1.2% | €400 |
| Medical Expenses | ~0.8% | €2,800 |
| Repatriation | ~0.1% | €7,000 |
The claims landscape in Ireland is defined by a classic risk dichotomy: high frequency, low severity versus low frequency, high severity.
Trip cancellation is the most common reason for a claim, occurring in approximately 1 in 40 policies, with a significant but manageable average cost of €1,200.
In stark contrast, medical emergencies and repatriation are far rarer but represent the greatest financial exposure for both the traveller and the insurer, with average costs soaring to €2,800 and €7,000 respectively.
This is particularly relevant for Irish travellers, given that the USA—a country with notoriously high healthcare costs—is their most insured destination.
For insurers in Ireland, this dynamic necessitates a balanced pricing model that covers frequent, predictable claims like cancellations while building sufficient reserves for catastrophic medical events that drive the core value proposition of travel insurance.
Travel insurance included with credit cards is an important feature of the financial landscape, offering basic coverage to many consumers. In Ireland, its role is distinct, serving as an accessible entry point to travel protection, although its limitations become clear when analyzing its market share compared to actual claims.
| Type of insurance | Share in Ireland |
|---|---|
| Credit card insurance | 18% |
| Standalone policies | 82% |
In Ireland, credit card insurance holds a market share of 18%, a figure that is mirrored almost exactly by its share of claims.
This symmetry suggests that the policies are being utilised in proportion to their prevalence, unlike in some markets where a significant gap exists.
However, this parity does not imply sufficiency; rather, it indicates that these policies likely cover lower-risk travel or more minor incidents.
The fact that standalone policies account for the overwhelming majority of claims (82%) highlights a crucial consumer behaviour: for significant trips, especially to high-cost medical destinations like the USA (the top insured destination from Ireland), travellers wisely seek out more comprehensive, dedicated insurance products.
Credit card insurance thus functions as a convenient, but limited, safety net, while the bulk of the market relies on standalone policies for robust protection.
Types préférés d'assurance voyage, destinations et profils en Irlande
Pour bien comprendre le paysage de l'assurance voyage en Irlande, il faut examiner les choix spécifiques que font les consommateurs. Cette analyse décompose les types de polices préférés, les principales destinations assurées qui stimulent la demande et les principaux profils de voyageurs qui façonnent le marché.
Types de couvertures d'assurance voyage achetées en Irlande
Les préférences des voyageurs irlandais révèlent un fort accent sur une protection complète contre les principaux risques financiers. Une analyse des structures de polices typiques en Irlande montre une hiérarchie claire des besoins, qui privilégie les événements médicaux catastrophiques et les annulations de voyage par rapport aux incidents moins critiques.
| Coverage Type | Details and Typical Limits in Ireland |
|---|---|
| Medical Expenses | Coverage ceilings typically range from €2 million to €5 million. Policies usually include a deductible (excess) of €75 to €150. |
| Trip Cancellation | Maximum reimbursable amounts are generally set between €3,000 and €5,000 per person. |
| Baggage & Belongings | Coverage limits average €1,500 to €2,000. Common exclusions include high-value electronics, cash, and items left unattended. |
| Other Key Benefits | Includes Public Liability (€1 million to €2 million), 24/7 emergency assistance, and cover for flight delays. Teleconsultation is a rapidly growing feature. |
- *Source: AIG Ireland, analysis of major insurer Terms and Conditions (2025).*
The data for Ireland underscores a market driven by risk awareness, where high-limit medical coverage is non-negotiable, particularly for popular long-haul destinations like the USA.
The cancellation cover of up to €5,000 reflects the average cost of family holidays and provides a crucial safety net against unforeseen events.
In contrast, baggage cover remains moderate and is an area where consumers often face disappointment due to strict exclusions on electronics, a common pain point.
The rising inclusion of liability protection and innovative services like teleconsultation indicates a market shift towards not just financial reimbursement but also practical, real-time assistance.
Overall, Irish consumers prioritise policies that offer robust protection against high-cost emergencies over those with generous limits for minor inconveniences.
What are the preferred travel insurance types in Ireland?
The purchasing habits of travelers in Ireland reveal a clear preference for transactional, need-based insurance cover. The choice of policy format is largely dictated by travel frequency, with a strong inclination towards coverage for specific, planned holidays rather than continuous protection.
| Policy Type | Market Share in Ireland (%) |
|---|---|
| Single-Trip Policies | 55% |
| Annual Multi-Trip Policies | 27% |
| Credit Card Insurance | 18% |
The dominance of single-trip policies, accounting for 55% of the market in Ireland, underscores that the primary driver for purchasing travel insurance is the annual holiday or a significant one-off trip.
This suggests a practical, cost-conscious approach among the majority of Irish travelers.
However, the substantial 27% share for annual multi-trip policies highlights a solid segment of frequent travelers, including business professionals and avid holidaymakers, who recognise the value and convenience of year-round cover.
Credit card insurance holds a smaller but notable share at 18%, often serving as a default, "free" option whose coverage limitations may not always be fully understood by the policyholder.
This mix indicates a maturing market that caters to both the occasional and the regular traveler.
What are the profile types most covered by travel insurance in Ireland?
The travel insurance market in Ireland is heavily influenced by specific traveler demographics whose unique needs and travel frequencies dictate product demand. Understanding these core customer segments is essential for insurers aiming to capture significant market share.
| Traveler Profile | Share of Covered Travelers in Ireland (2025) |
|---|---|
| Families with children | 22% |
| Frequent business travelers | 18% |
| Seniors (65+) | 14% |
In Ireland, families with children represent the largest insured group, making up 22% of the market.
This is driven by the desire to protect significant holiday investments and ensure comprehensive medical coverage for all family members, particularly younger children.
Frequent business travelers follow at 18%, a segment that prioritises annual multi-trip policies offering convenience and robust coverage for cancellations and delays.
Seniors, accounting for 14%, are another key demographic, characterised by high risk awareness and a greater need for policies with extensive medical benefits and cover for pre-existing conditions.
Together, these three profiles form the backbone of the consumer market in Ireland, compelling insurers to offer tailored products like family packages, corporate annual plans, and specialised senior cover to remain competitive.
The most popular types of travel insurance coverage in Ireland
The destinations Irish travelers choose to insure reveal a strong correlation between perceived risk and the decision to purchase a policy. Data shows that long-haul travel to countries with expensive healthcare systems is the primary driver for insurance uptake in Ireland.
- USA: Representing a significant 31% of all travel insurance policies.
- Spain: The most popular European destination, with 18% of policies.
- France: Following closely with 11% of insured trips.
- Australia & Canada: Other long-haul destinations, accounting for 8% and 7% respectively.
The overwhelming dominance of the USA, at 31% of insured trips from Ireland, underscores a key market driver: the prohibitive cost of American healthcare.
For Irish travelers, insurance for US trips is viewed not as an option but as a necessity to mitigate potentially catastrophic financial risk.
In contrast, popular European sun destinations like Spain (18%) and France (11%) are insured for different reasons; while the European Health Insurance Card (EHIC) provides basic medical cover, travelers purchase comprehensive policies to protect against trip cancellation, baggage loss, and repatriation—risks not covered by the EHIC.
The inclusion of other high-cost, long-haul destinations like Australia and Canada further cements the trend that risk perception, led by potential medical expenses, is the most powerful motivator for Irish consumers when purchasing travel insurance.
What is the average travel insurance claim amount in Ireland?
The average claim amounts provide a clear picture of the financial risks travellers in Ireland face abroad. These figures illustrate the tangible value of a travel insurance policy, highlighting the significant difference between minor inconveniences and potentially catastrophic events.
| Claim Type | Average Amount in Ireland (2025) |
|---|---|
| Repatriation | €7,000 |
| Medical Expenses | €2,800 |
| Trip Cancellation | €1,200 |
| Baggage Loss/Damage | €400 |
The data for Ireland starkly differentiates between high-cost, low-frequency events and more common, lower-cost claims. Repatriation, at an average of €7,000, and medical expenses at €2,800, represent the most severe financial risks and are the primary drivers for purchasing comprehensive insurance. These figures underscore the essential protection a policy offers against medical emergencies overseas, which can quickly become financially overwhelming. In contrast, while more frequent, claims for trip cancellation (€1,200) and baggage issues (€400) are significantly less impactful financially. This analysis confirms that the core value of travel insurance for consumers in Ireland lies not just in covering common travel mishaps, but in providing a critical safety net against financially devastating medical events.
Understanding the Travel Insurance Structure: Offerings, Pricing, and Market Fragmentation
The supply-side landscape of the travel insurance market in Ireland is a dynamic and competitive arena, shaped by global insurance leaders, innovative local players, and a growing integration with the digital travel ecosystem. Understanding the key providers, their products, and their distribution strategies is essential to grasping the structure and direction of the Irish market.
The Ireland travel insurance market is led by a mix of major international brands and a key local specialist, who collectively hold a dominant position.
| Rank | Insurer | Market Share (%) | Notable Features |
|---|---|---|---|
| 1 | Allianz | 21 | A global leader offering multi-risk policies with a strong digital platform. |
| 2 | AIG | 17 | Known for flexible packages and an early adopter of telemedicine services. |
| 3 | AXA | 13 | Strong focus on embedded insurance through partnerships with travel agents and airlines. |
| 4 | Blue Insurance | 10 | An Ireland specialist strong in white-label solutions and OTA partnerships. |
| 5 | Aviva | 8 | Focuses on annual multi-trip policies, targeting frequent travellers. |
The competitive landscape in Ireland is defined by the significant presence of global giants like Allianz, AIG, and AXA, which leverage their international reach and brand recognition. However, the success of Blue Insurance demonstrates the power of a localised strategy, particularly in mastering the B2B2C channel through white-label partnerships with travel intermediaries. This blend of global scale and local agility creates a competitive environment where both brand and distribution strategy are key to market leadership.
The market structure in Ireland is moderately concentrated, indicating a competitive but stable environment dominated by established players.
- Market Concentration: The top 5 insurers account for approximately 70% of the market share.
- Number of Providers: There are around 15 active insurers operating in the market.
- Recent Trends: The market has seen the entry of new insurtech players in recent years, but no major consolidation among the leaders has occurred.
This moderate concentration means that while the leading firms have significant influence, the market is not an oligopoly. There is sufficient competition to drive innovation and provide consumers with a range of choices. The presence of around 15 providers, including new insurtech entrants, ensures that the market leaders cannot become complacent and must continue to evolve their products and services to maintain their position.
Insurers in Ireland offer a tiered range of products to cater to different traveller needs, from basic protection to comprehensive international coverage.
- Packs with medical insurance only: These policies offer essential coverage for emergency medical expenses and repatriation, generally marketed as a budget option for short trips or for travelers who have other forms of cancellation coverage.
- Multi-risk packs: The most common type of policy, these combine medical coverage with trip cancellation, baggage protection, and travel delay benefits. This is the standard offering for most leisure travelers.
- Premium International Plans: Designed for long-haul travel, especially to destinations where medical expenses are high such as the United States and Australia, these plans offer higher coverage limits (often exceeding €5 million), premium assistance services, and more extensive benefits.
This product segmentation allows insurers in Ireland to effectively target different consumer profiles. Multi-risk packages form the core of the market, reflecting a strong consumer desire for all-in-one protection. The availability of both basic and premium tiers ensures that products are accessible to a wide range of budgets and risk appetites, from backpackers to business travellers.
The insurtech scene in Ireland is a key driver of innovation, with companies acting as both direct providers and technology enablers for the wider industry.
- Insurtechs notables : Blue Insurance (un fournisseur hybride et un facilitateur technologique), Cover-More (une marque B2C axée sur le numérique) et Blink Parametric (un spécialiste des solutions de réclamations intégrées en temps réel).
- Innovations clés : L'objectif principal est de créer un parcours client transparent grâce à l'assurance intégrée, à l'automatisation des processus de réclamations pour des paiements instantanés (en particulier pour les événements tels que les retards de vol) et à l'offre de conditions de police plus flexibles.
Insurtechs are reshaping the Ireland market by setting new standards for convenience and efficiency. While some compete directly for customers, many, like the globally recognised Blink Parametric, operate on a B2B model, providing the underlying technology that allows traditional insurers and travel companies to offer cutting-edge, parametric products. This symbiotic relationship accelerates technological adoption across the entire industry.
Pricing models in the Ireland travel insurance market are evolving from traditional static methods to more sophisticated, data-driven approaches.
- Flat Pricing: This model is still used for some standard, low-risk trips, where the premium is based on broad categories such as the destination area and the length of the trip.
- Dynamic Pricing: This is the predominant model today, where insurers use multiple variables, such as the traveler's precise age, their destination, the duration of the trip, and declared medical conditions, to calculate a personalized premium. The market is also seeing increasing adoption of parametric pricing for specific benefits like flight delay coverage.
The shift towards dynamic pricing allows insurers in Ireland to more accurately align the cost of a policy with the specific risk profile of a trip. This not only leads to fairer pricing for consumers but also enables insurers to manage their risk portfolios more effectively. The emergence of parametric triggers, which automate payouts based on verified events, represents the next frontier in pricing and claims innovation.
The integration of insurance into travel booking platforms is a cornerstone of the distribution strategy in Ireland, making it a critical channel for reaching customers.
- Market Share of Integrated Sales: Approximately 44% of travel insurance policies are sold as an add-on during the booking process with Online Travel Agencies (OTAs), airlines, and tour operators.
- Key Partnerships: Major airlines have established long-term partnerships, such as Ryanair with AXA and Aer Lingus with Allianz, to offer insurance directly to their customers at the point of sale.
The high percentage of sales through integrated channels highlights the success of the 'embedded insurance' model in Ireland. This B2B2C strategy is highly effective because it presents the insurance offer at the exact moment of need, resulting in high conversion rates. For insurers, securing these strategic partnerships with major travel providers is a key competitive battleground and essential for achieving scale.
A well-developed ecosystem of comparison websites and digital platforms provides consumers in Ireland with transparency and easy access to travel insurance products.
- Main Comparison Aggregators: Platforms like CompareInsurance.Ireland and InsureMyTrip.Ireland allow consumers to compare quotes and policy features from multiple providers.
- White-label Solutions: Companies like Blue Insurance power the insurance offerings for numerous other brands.
- Fintech Integrations: Digital banks and financial apps such as Revolut and Wise are increasingly embedding travel insurance into their premium account offerings, creating a new and seamless distribution channel.
The rise of comparison websites has empowered consumers in Ireland, fostering a transparent market where providers must compete on both price and value. The rise of embedded finance through fintech apps is the latest evolution in distribution, making travel insurance an integrated feature of everyday financial products. This trend further streamlines the customer journey and is set to become an increasingly important channel for the industry.
Methodology and Sources
Methodology of the 2025 Global Travel Insurance Barometer
The 2025 Global Travel Insurance Barometer is the result of a comprehensive, multi-faceted research process designed to provide a reliable, transparent, and comparable analysis of the travel insurance landscape across key global markets. This methodology outlines the scope, data collection and processing techniques, and validation measures employed to ensure the credibility and accuracy of the findings presented.
1. Geographic Scope
This study encompasses 35 countries, selected to provide a representative view of the global travel insurance market. The selection criteria included market size, regional significance, varying levels of market maturity, and the availability of reliable data. The countries included are: Argentina, Australia, Austria, Belgium, Brazil, Canada, China, Czech Republic, Finland, France, Germany, Hong Kong, India, Indonesia, Ireland, Italy, Japan, Luxembourg, Malaysia, Mexico, Morocco, Netherlands, New Zealand, Philippines, Portugal, Singapore, South Africa, South Korea, Spain, Sweden, Switzerland, Thailand, United Arab Emirates, the United Kingdom, and the United States.
2. Timeframe
The primary reference year for all key indicators in this barometer is 2025. To provide context and identify trends, historical data from 2015 to 2025 has been included where available. Furthermore, forward-looking forecasts extending to 2030 are provided to offer insights into future market dynamics. It should be noted that for certain indicators, the most recent publicly available data may date from 2023 or 2024. In such cases, these figures were used as a baseline for statistical projections and modeling to generate accurate 2025 estimates.
3. Sources Used
This barometer is built upon a multi-source data collection strategy, prioritizing official, public, and cross-validated information to ensure the highest degree of reliability. Estimations are used only when direct data is unavailable and are explicitly labeled as such. The primary categories of sources include:
- National and International Statistical Agencies: Macroeconomic and travel data from organizations such as the OECD, the World Bank, the UN World Tourism Organization (UNWTO), and the World Health Organization (WHO).
- Industry Associations and Insurance Regulators: Market-specific data, reports, and statistics from national and regional insurance bodies. Key sources include Insurance Ireland, the Association of British Insurers (ABI), France Assureurs, Ifop, Gesamtverband der Deutschen Versicherungswirtschaft (GDV), Associazione Nazionale fra le Imprese Assicuratici (ANIA), UNESPA, the Swiss Insurance Association, the U.S. Travel Insurance Association (UStiA), Insurance Europe, the National Association of Insurance Commissioners (NAIC), the Australian Prudential Regulation Authority (APRA), Superintendência de Seguros Privados (Susep), the Canadian Life and Health Insurance Association (CLHIA), Insurance Sweden, the Insurance Council of New Zealand, the Hong Kong Insurance Authority, the Insurance Regulatory and Development Authority of India (IRDAI), the Mexican Association of Insurance Institutions (AMIS), Autorité de Contrôle des Assurances et de la Prévoyance Sociale (ACAPS), Associação Portuguesa de Seguradores (APS), the Monetary Authority of Singapore (MAS), the Insurance Association of Vietnam, the South African Insurance Association (SAIA), and other national federations.
- Market Research and Consulting Reports: In-depth analyses from specialized firms such as IBISWorld and Finaccord.
- Public Financial Disclosures: Annual reports, investor presentations, and regulatory filings from publicly listed insurers and reinsurers.
- Digital Platforms and Insurtech Studies: Data and insights from major Online Travel Agencies (OTAs), comparison platforms like Squaremouth, and specialized insurtechs such as Cover Genius, Koala, and Chapka.
- Consumer Surveys and Reputable Media: Findings from consumer behavior studies and reports from major financial and industry-specific press outlets.
4. Data modeling and estimations
To ensure consistency and comparability across all 35 markets, a standardized data processing approach was implemented. Where direct data for a specific indicator was unavailable, particularly for metrics like market share or claim frequencies in certain countries, estimations were derived using established modeling techniques. For instance, when direct figures were missing for Ireland, regional averages or extrapolations based on its market size and known insurance penetration rates were used to create a reliable estimate. Claims data were often averaged across multiple years to mitigate the impact of annual volatility. All financial figures, such as premiums and gross written premium (GWP), were converted to a common currency (EUR) using the International Monetary Fund's reference exchange rates for 2025. Projections to 2030 were calculated based on Compound Annual Growth Rate (CAGR) assumptions derived from historical growth, current market dynamics, and analyst consensus.
5. Scope of Indicators
The barometer is structured to provide a holistic view of each market by analyzing both supply-side and demand-side indicators. The supply-side analysis covers the competitive landscape, key insurers, product offerings, market structure, and technological innovations. The demand-side analysis focuses on consumer behavior, penetration rates, claim patterns, and the adoption of digital channels. Each section was designed to enable direct cross-country comparison while carefully preserving the unique local specificities of each market, including its legal environment, typical product formats, and cultural habits. This dual approach ensures that the barometer serves as both a global benchmark and a practical guide to the nuances of individual national markets.
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