1 2016, 466

M' , 6 , www.aagora.gr
,

English Supplement

8+1

telematics

ISSN: 1105-9516

1 2016, A. : 466
: . & ..
:
:
:
:
. 1062
 : 6  A : 55
 : 150
 : 180
: 126, 151 24
...: 082314452
www.aagora.gr

3
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Editorial

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;

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Family Care
MetLife.

,
/
:



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D&O Liability

Generali:

ASFALISTIKI AGORA
onthly Economic
& Insurance Review
Editor A. ROUCHOTA
126 DIONISSOU Str., 151 24 Maroussi,
Athens - Greece
Annual Subscription: a180

,
FIPP FAEP
Presse
Internationale des
Assurances (P.I.A.)

Art Director

. Marketing

.: 210-6196879 210-6196942
Fax: 210-6196943,
e-mail: aagora@aagora.gr

1977

TY

Newsletter

&
H (- ) ,
.
;
8 + 1
telematics.

22
34

HDI Global SE, Hellas:

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. ,
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HDI Global SE,
Hellas,
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. 43, , .: 210 61.27.502, Fax: 210 61.27.719

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Limited Omers
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6 ( 2016)

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, ,

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, ,
International Life
,


,

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,
,


,

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29 , ,
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Interamerican,

International Life, Premium
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& Matrix Brokers SA l AIG, AXA, & Inter Partner
Assistance l
ERGO, HDI Global SE & Interasco
l ARAG
Atradius .

( )

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outsourcing (
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40%
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, .


.
, ,
.
,
, ,
, .
. ,
.

( 2016) 13

( )

...

,
Insurance Europe . ,
Insurance Europe . ,
, ,
.
18 , ,
. , ,
, ,
Enterprise Insurance Company Plc.
, ,

18 ,
. ,
,



.
, . :
1.
14 ( 2016)

, .
,
,


.
,
(.4364/2016
)

()
... ( 120 . 7) ,
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... ( 123
. 1).
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-

 ..., (,
)
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2.

...

1995,

..., , , , , ,



.
1995
,
(
),


,

.

,

...
,
,
,

.
, ,

...
,

( ),


.
3. , (, 2012),

.. ...,
1995,


...
.
, , .

... ,



0,5%
.
,


,

.

Enterprise
Insurance Company Plc,

-
22

(Gibraltar
Financial
Services
Commission - GFSC) Enterprise Insurance Company
Plc.

,
,
,
GFSC, .
GFSC EIOPA,

- ,
Enterprise Insurance
Company Plc ( , , , , , Enterprise Hellas
...).
27

(Provisional
Liquidator) . Frederick White,
,
,

Enterprise.
28 ,

. ,

Enterprise . ,

.
,

enterpriseinsuranceclaim.com,
Enterprise Insurance
Company Plc


. ,



Enterprise,


.
( 2016) 15

( )

Enterprise
5 ,
Enterprise Insurance Company Plc,

, .. ,
:



.

...,
. ,

10
AT
BE
BG
CH
CY
CZ
DE
DK
EE
ES
FI
FR
GR
HR
HU
IE
IS
IT
LI
LU
LV
MT
NL
NO
PL
PT
RO
SE
SI
SK
TR
UK
Ins. Europe
Sample
% Change

.

.
, , . Enterprise Insurance
Company , , ... .
, 142.000
40
.


. , -

2004
}
}

2005
}
}

2006
}
}

}
}
401
690
}
}
418
440
827
}
}
}
}
}
793
}
}
87
}
}
}
}
288
}
}
}
}
}
415
4.359
3.944

}
}
401
758
}
}
471
470
827
}
}
}
}
}
814
}
}
153
}
}
}
}
352
}
}
}
}
}
406
4.652
4.246
7,6%

}
}
401
804
}
}
516
501
874
}
}
}
}
}
834
}
}
209
}
}
}
}
377
}
}
}
}
}
379
4.895
4.516
6,4%

16 ( 2016)

2007
}
}
164
}
}
478
821
}
}
535
513
920
}
}
}
}
}
855
}
}
263
}
}
}
}
414
}
}
}
}
}
370
5.333
4.799
6,3%

,
, ,
Enterprise, ,
. . , ,
,
.
, , ,
, , ,

2008
}
}
239
}
}
554
887
}
}
556
559
961
}
}
}
}
}
875
}
}
306
}
}
}
534
447
}
}
2
}
}
355
6.275
5.145
7,2%

2009
}
}
280
}
}
621
919
}
}
602
587
992
}
}
}
}
}
902
}
}
328
}
}
}
543
467
}
}
38
}
}
339
6.618
5.418
5,3%

2010
}
}
324
}
394
665
926
}
}
653
604
1.046
}
}
}
}
}
933
}
}
361
}
}
}
529
509
}
}
74
}
}
705
7.723
5.697
5,1%

.
.
,
, ,
...

, .
, , ,


.

,

,
:

,
,
,
;

!


,
.
Richard Mackillican, Policy advisor,
communications & PR Insurance
Europe.

2011
}
10
374
}
397
695
938
}
}
667
623
1.056
}
}
}
}
}
948
}
}
395
}
}
}
557
507
}
}
110
}
}
}
7.277
5.829
2,3%

2012
}
9
426
}
419
714
931
}
}
654
644
1.050
}
}
}
}
}
972
}
}
477
}
}
}
583
530
}
}
117
}
}
}
7.526
5.972
2,5%

2013
}
8
426
}
419
743
899
}
}
647
650
1.077
}
}
}
}
}
979
}
}
493
440
}
}
583
544
}
}
102
}
}
}
8.010
6.032
1,0%

14 32
( , , )
2013 8.010.
2013 ,
1.077 ,
979 (1.005 2014). -

2014
}
8
}
}
}
789
886
}
}
640
660
}
}
}
}
}
1.005
}
}
}
430
}
}
}
552
}
}
}
}
}
}
}
}

Market Share
0,1%
5,3%

, Insurance Europe,
(10 2011, 9 2012,
8 2013 2014).
,
,
, .

% 2012/2013
n.a
-11,1%

2,6%
n.a
n.a
-12,8%
n.a
n.a
n.a

% 2004/2013
n.a.
n.a.
n.a.
n.a.
n.a.
85,3%
30,3%
n.a.
n.a.
54,8%
47,7%
30,2%
n.a.
n.a.
n.a.
n.a.
n.a.
23,4%
n.a.
n.a.
466,7%
n.a.
n.a.
n.a.
n.a.
88,9%
n.a.
n.a.
n.a.
n.a.
n.a.
n.a.

1,0%

52,9%

n.a
5,2%
9,3%
11,2%

8,1%
8,1%
13,4%

12,2%

6,2%
5,5%

7,3%
6,8%

1,3%

100,0%
75,3%

4,1%
-3,4%
n.a
n.a
-1,1%
0,9%
2,6%
n.a
n.a
n.a
n.a
n.a
0,7%
n.a
n.a
3,4%
n.a
n.a
n.a

( 2016) 17

( )

T , ...

Enterprise
, .

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,

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.
,
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,
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...
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18 ( 2016)

.


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.

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,
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, . , ,
.
Enterprise

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,

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.
5

Family Care
MetLife



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.

Family Care

18 70

Family Care

:
4

4

MetLife

.
2016,
, Star Agent 2016,

2016:
st
Speciali
s
Benefit
ee
Million Dollar Round Table 2016, Employ

,

.

.
!

25
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,

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()

T
&
8+1
telematics
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.
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(ITS).

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,
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, .
,
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, 5 .
, , .
, , , , Model S Tesla,
.

, , .

, Insurance Europe,
. , , C-ITS,
(C-ITS), GEAR 2030,

, . Monika Seybold-Bender,
Insurance Europe GEAR 2030,
,
Insurance Europe
,

,
.
, , nnual Report
Insurance Europe, M. Seybold-Bender,
.
, ,
, .

, , , ,

.
, .

..:
l ,
/ , Marketing,
& ,
l ,

& ,
,

l ,
/ ,
Eurolife ERB
l ,
/ ,

l ,
Chief Technical Manager, Generali
l ,
Marketing Sector Manager, Groupama
l ,
Motor Underwriting Manager,
Interamerican P&C S.A.
l ,
/ , Interasco
l ,
/, insurancemarket.gr

( 2016) 23

()

1
( )



;
;
2



telematics ;

A A
/ , Marketing,
& , :
.
.
, , ,
, .
,
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"".

, .
, 24 ( 2016)

.
,



,
, , .
.

(Pay how
you drive) , (Pay
as much as you drive).
Pay how
you drive
Drive,
, -

,
. ,
.
Pay as much as
you drive, ,
2015,
,
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-


20%, 5.000 .


Android iOS,

 :
,
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AXA Drive

,
,
.
/

& ,
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:
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,

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-

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.

(Advanced driver Assistance
systems),
(V2V) (V2I)
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.
,
.
.
hardware,
-

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smartphone .
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smartphones hardware),



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smartphone ,
,
smartphones ,

.
,

Usage Based Insurance (ubi)

(hardware) ,
(smartphones)
.
, smartphone
.


-

/ :

.

( 2016) 25

()

:
, 5 .

,
(apps).

,

(scoring) .
, ,

(better
driving) , .


emergency calls,
. pay
as you drive,
ubi
pay how drive.

ubi
. ,
:
,
,
,
,
, , , .
, ,
26 ( 2016)

,
.
, ,
(reconstruction),
,
.

, ,
.

/
Eurolife ERB :
1)

( ,
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.

,
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.


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Eurolife 2.0
Transformation to the point

,
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.
Eurolife


.
2) telematics

,
, ..,
. H
(applications) ,
(behavioral
data), , .
,
,

, .
,
(
)

, .
,

smartphone,
,


(Internet of Things),
,
.

/ ,
:
.

.
,

94% .
,

. , ,
, .
.


,
,
(V2V),
,


Internet.

.


,
, , - .
, 2013 ,

,

.

57%


. 28%

. 61% . 55%

14%
. ,

.


,
.

,


.

.
15 20
,
,

.
, ,
.
,

,
, .

, ,
,
-

:
15 20 , , .

( 2016) 27

()

:
telematics

,
.

. ,


,
.

Michigan ... 30 - 45 22%
,
43% 35%
. 18 - 29 19% ,
9% 60 .
,

.



,

.
,
,
,
, ,
tablet.

. .


.
.
.
28 ( 2016)

.

,
,


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.
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,
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, , . -

, , ; ;
,
; ,

.
.

.

Chief Technical Manager Generali:
1)
(connected cars) ,

,
. owers Watson
(, ,
, , ,
), 60%

telematics,
. , BIBA
(British Insurance Brokers Association)
2016 40%
telematics.



.
Generali
telematics, 2011, . H telematics
, , ,
, . -

 1.000.000
,
2015 MyDrive
Solutions.
,
data analytics
. , MyDrive

.
,
.
H Generali
,
,
, .

,

Generali . , ,

,

.
2)
telematics
. 1 telematics
,
, Pay
per Use,

.
, telematics
,
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smartphones,
,
, .
,
telematics
,
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tailor-made . , ,
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.



, ,
. ,

, , ,
,

. ,
,


.
,
,
.
,
Generali

, ( ,
Vitality,

),
Big Data, .


,
.

Marketing Sector Manager, Groupama:
1)

. ,

, .


(.. , alarms
). .
,
,
.


.

, ( ) -

:
data.
,

.

( 2016) 29

()

:
2020
. , ,

.

/ /hacking (!)
(
) !
,
handsn hands-off,
.
/
/
. , ,
.
, , ,
,
,
.
2) ,
,

,
(..
smartphones, ).
Pay as you Drive

.
Pay HOW you
drive,
( , , , , ..).
, ,
,

( ). data (
BigData). , 30 ( 2016)

.
.
2020 .
innovation
, Groupama
.

Motor Underwriting Manager,
Interamerican P&C S.A.:
1) , , , :
l
l

l
sharing economy.
,

.
, ,
,
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40 ( 2016)

. NERA
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52 . , . ,




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( 2016) 47

1969 - 2016

H INTERAMERICAN
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.
48 ( 2016)

2002: MEDIFIRST
.
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brokers.
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.
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Global Reporting
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.

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.
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Principles for Sustainable Insurance (PSI) UNEP FI.
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.
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.
2016: TELEMATICS - H telematics.
2016: RESEARCH CENTER - .
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.

( 2016) 49

2015
225
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( 2016) 55

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( 2016) 57

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.

( 2016) 67

(NE A )

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68 ( 2016)

 



2016
ARAG
. ARAG , /
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( 2016) 69

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68,5
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205%

74,1
28%
197%

+0,9 pt

0%
-3%
+4%
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+8%
+2 pts
-8 pts

* 1 2015 ,
. .

70 ( 2016)

| ALLIANZ |

2 2016. :
2,5% 29,4 .
17,2% 2,4 ,

Asset
Management ,

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46%,
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Solvency II 186%,
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2015

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1 ( 30 )
2016
2015

64.8
67.9
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MEGA BROKERS A.E.

. 122, 117 41 ,
. 210 9225825,
F. 210 9220697
. 55,
. , . 210 5696202
megabroker.gr
ihagi@megabroker.gr

( 2016) 71

(NE A )

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Awards 2016 Silver ,
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| HDI GLOBAL SE | HDI-Gerling

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SE, Hellas 27 2016,
.

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e-mail: info@fairconsulting.gr
website: fairconsulting.gr

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,


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| METLIFE |

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Marketing

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American
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Science

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| DARAG | run-off DARAG 19

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, ERGO Assicurazioni ERGO Italia Group,

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Group 2015,
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IVASS, Ergo
Assicurazioni DARAG
Italia S.p.A,

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DARAG
ERGO Assicurazioni


, run-off,
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.

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premiums) . ERGO
Assicurazioni,
,
, . Arndt Gossmann,
/ DARAG.
run-off
,
ERGO Assicurazioni


.

| |

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( 2016) 75

(NE A )

1)

1) . ., 2) . . ., 3) . .,
4) . . ., 5) . ., 6) . . .

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3)

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| GENERALI |


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Business Days
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Generali
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Advisors, .. . (Insurance
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( 2016) 77

(NE A )

| | 1

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, 100

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| PRIME INSURANCE | 3

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22 , Palace. , o . / , . . ,
/, . . ,

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2016 .
,
,

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(), . (), . , . ,
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site, www.filisglass.com.
, design, /
tablet/, . ,
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, ...
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1 Laser 4,7,
.

| MEGA BROKERS S.A. |

4 .

, Scheveningen,
, ,
Royal Delft

.
Van Rijn,
Rembrandt.
2016-2017
!

120 MEGA
Brokers
20 , . ,
/ .
MEGA
Brokers,
, .
. , & / , , , MEGA Brokers

.

( 2016) 79

(NE A )

| INTERAMERICAN |

97,5 .

,
149.501 .
, ,
, 33,9 .
11.641 ,
, 24,2 . 83.107 ,
8,7
. 29.506 .
,
30,7 .,
25.247 ,
22.128 , 27,1
., 1,5 .
, , 50,7%
.

( ) 201.933
Interamerican
, 32,1%,
2015.

,

Interamerican 1,5

,

( - )

.
, ,
Interamerican 187.234 ,
14.699 .

Interamerican .. ACHMEA
(4 5 ), ,

. , , .. Willem van Duin,
O, Roelof Konterman, Huub
Aredse, Robert Otto, Bianca Teteroo, Henk
Timmer.
.. ACHMEA,

80 ( 2016)

Interamerican, , ,
. ,
Interamerican

Solvency II ,
,
,
imagine, genesis, buy the
mile,

,
, ..
..
Interamerican, o .
Willem van Duin , ,
Interamerican
,



ACHMEA.

To 2016
Interamerican
15,2%
,
. , , (-10,4%), ,
-3,2%,
-

25,2%,
(-14,9%). ,
17%
,

. ,

(57,1%)
(78,3%), ,

Interamerican.

Interamerican
GINE.
, ,

.
, Lean,

, ,

,
,
, .
IMAGINE ,

. ,
.

.. ACHMEA Interamerican.

MEDIFIRST Interamerican,
2002.
,
5 , . Willem van Duin,
ACHMEA, . Uco Vegter,
ACHMEA
Interamerican, . , / .
, , Interamerican, Agency,

1)

.


2)

1: . Willem van Duin, ..

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MEDIFIRST. . . ,
/ Interamerican. 2: MEDIFIRST .. Willem
van Duin, ,
.

,
MEDIFIRST
35
.

1 .
3 .
2015.

Interamerican ,
Business
IT Excellence Awards.

Interamerican,
Business xcellence (BITE) Awards.
,
gold :
4 - - - , Buy the Mile.
4 , Analytics,
, , silver
:
4 Data Center ,
mainframe, zOS , rehosting
bronze
:
4 Continuous Business Improvement,
The aplonCASHv2.
. , . / &
Services Interamerican, : 17 , ,
, ,
.

Interamerican
, -

, agency, /
Anytime retailers.
, , , 1.043
.
,
36,9%
Interamerican,
550 .
,
2,7% ,
(13,7%) (94,9%),
(2,1%). ,
,

(65% 35%).

, ,
,
(
Broker First Contact
Centre, ask me),

(76%).
,
2016 , 500 ,


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@ ... - - MED Hackathon,

4.600 . .

,
,
2015
100 2016,
15 , - , /
2012 - 40.000 .
.
Open Data,
@ INTERAMERICAN @ - 23.000

49 , 873 ,
28.000 , 2.500 Start-in 2016.

Start-In , , .

( 2016) 81

(MDRT VIEWS)

MDRT
*

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Control,
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* . & .
MDRT, 10 Court of the Table 1 Top of the Table Bronze Knight MDRT
Foundation. 2014 MDRT. , , , .

5
82 ( 2016)

()

Capital Save
- Interamerican
Interamerican
Capital Save, - (unit linked)
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Capital Save ,
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: , , , HDL, LDL, .
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84 ( 2016)

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,

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.
, email
, Allianz on the Go
tablet ,
.

Allianz
www.allianz.gr.
( 2016) 85

()

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4 .
4
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4 .
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Health Care 4U

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( 2016) 87

()

Interamerican
Tripsta S.A.

Interamerican
online Tripsta S.A.

,

.


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Tripsta
S.A.
(travelplanet24, airtickets,
tripsta).
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5
88 ( 2016)

(ENGLISH SUPPLEMENT)

Legal Expenses Insurance

Premiums are estimated

at 37.1 million in 2015

remiums of Legal expenses insurance branch are estimated

at 37.1 million in 2015. Hellenic Association of Insurance Companies (HAIC) reviewed the branch
for 2015, in which 23 insurance companies-members participated in the
survey, two of them being specialised in the particular businesses
while the remaining 21 were active
in other insurance business also.

Compared to 2014, premium for the

branch decreased by 2.9%, a smaller
rate than total Non-life premium
drop (-7.8%), which resulted in increasing the branchs participation
Contracts in force
3,644,025

Claims
18,158

in Non-life insurance business at

1.9%.
After HAICs research, the following
figures for 2015 were recorded for
the Legal expenses branch:
Paid claims ()
1,173,285

Outstanding claims ()
3,776,900

Insurance indicators of individual Legal expenses covers were as follows:

Motor
0.3%
360

Frequency rate
Average claim ()

Family
18.2%
160

Business
89.5%
227

Other covers
0.3%
93

Total
0.5%
273

Participation of Legal insurance in Non-life business

2,5%
2,1%
2,0%

2,2%

1,9%

2,0%

2,0%

1,5%

1,9%

1,8%

1,8%

1,8%

1,9%

1,0%
0,5%
0,0%
2006

2007

90 ( 2016)

2008

2009

2010

2011

2012

2013

2014

2015

(O )

, - (e-mail: thkuts@otenet.gr)

, ,

(1.3.2009 1.3.2010)

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92 ( 2016)

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200.000 , (158.310,25 x
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, ,

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114.774,93 223.665,62
,

().

e-mail: info@nb.org

( - )

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