Leading property and casualty insurance companies in the Netherlands 2022, by revenue

In 2022, Achmea Schade, the "damage" branch of insurance provider Achmea, was the biggest Dutch insurance company in the property and casualty sector. Note that the Netherlands does not have something that exactly matches "property and casualty insurance" as in the United States. In Europe, this insurance type is known as non-life insurance. This ranking specifically looks at the "damage", or Schade, sector, a part of non-life insurance in the Netherlands which includes different sub-segments. This includes, for example, insurance that cover belongings (like a car, in case of an accident or theft), home contents (i.e. furniture damaged in a fire), property (i.e. the house itself in a fire) but also pet insurance, travel insurance or insurance for legal support. In the Netherlands, all these insurance are purchased separately. This might explain why there were nearly 140 insurance companies in the Netherlands in 2019. If this ranking is about non-life insurance, then where are the numbers on health insurance? A noticeable absentee in this ranking is health insurance. This exclusion was a deliberate choice from the source. In 2021, health insurance concern VGZ had the highest market share whereas company Zilveren Kruis had the highest revenue in 2019. As the Health segment plays a major role in the Dutch insurance system, it is often mentioned separately from "property and casualty insurance". This has to do with size. The Dutch government decides annually on the content of the (mandatory) health insurance and companies have to offer this through free market competition. Effectively, health insurance is the Netherlands’ biggest insurance type (as it is mandatory for all residents, regardless of age or medical history). The country has 11 big health care concerns which each own multiple companies. These companies can own multiple brands. In 2021, there were 38 health insurance brands which all offered different types of insurance policies for various prices. How big is the insurance market in the Netherlands? In 2019, the Netherlands had an insurance penetration (insurance premiums as a percentage of GDP) of roughly nine percent. Roughly 16 percent of all gross premiums that year came from the life segment (meaning the other 84 percent came from the property and casualty/non-life segment), a percentage that was significantly lower than those in Belgium and Luxembourg. It is possible that the Netherlands’ market-based health insurance system is responsible for this.

于2022年，阿赫迈亚保险公司旗下的财产损失部门，即阿赫迈亚施达德，成为了荷兰在财产及责任保险领域的最大保险公司。须注意，荷兰并无与美国‘财产及责任保险’完全对等的保险类别。在欧洲，此类保险被称作非寿险。本排名特指‘财产损失’或施达德部门，它是荷兰非寿险领域的一部分，涵盖了众多子类别。这包括，例如，涵盖财产损失（如车辆在事故或盗窃中的损失）的保险、家庭财产（即火灾中受损的家具）的保险、财产（即火灾中的房屋本身）的保险，以及宠物保险、旅行保险或法律支持保险。在荷兰，所有这些保险均需单独购买。这或许可以解释为何2019年荷兰有近140家保险公司。若此排名涉及非寿险，那么健康保险的相关数据又在何处？健康保险在此次排名中明显缺席，这一排除是来源方的有意选择。2021年，健康保险公司VGZ拥有最高的市场份额，而Zilveren Kruis公司在2019年实现了最高的收入。鉴于健康保险在荷兰保险体系中的重要作用，它常被单独提及于‘财产及责任保险’之外。这与其规模有关。荷兰政府每年都会决定（强制性）健康保险的内容，而公司必须通过自由市场竞争提供此类保险。实际上，健康保险是荷兰最大的保险类型（因为它对所有居民都是强制性的，无论年龄或医疗史）。荷兰有11家大型医疗保健公司，每家都拥有多家公司。这些公司可以拥有多个品牌。2021年，共有38个健康保险品牌，它们提供不同类型的保险政策，价格各异。荷兰的保险市场究竟有多大？2019年，荷兰的保险渗透率（保险保费占GDP的百分比）约为9%。当年，所有毛保费中约有16%来自寿险领域（这意味着其余84%来自财产及责任/非寿险领域），这一比例显著低于比利时和卢森堡。荷兰基于市场的健康保险体系可能对此负责。