The insurance sector in Romania is highly concentrated. The top ten non-life insurers generated 96.6% of the total gross written premiums in the subsector in 2017, while the top ten life insurers had a share of 95.2%. There were 42 insurance companies (including branches of foreign companies) active on the market at end-2017. Of them 25 were involved only in non-life insurance and 11 only in life insurance, with the remaining six active in both segments. The insurance market is dominated by international groups.

01 EXECUTIVE SUMMARY 

02 SECTOR IN FOCUS 

03 COMPETITIVE LANDSCAPE 

04 COMPANIES IN FOCUS

05 REGULATORY ENVIRONMENT 

06 NON-LIFE INSURANCE 

07 LIFE INSURANCE 

08 REINSURANCE