【レポートの概要（一部）】
0.0 EXECUTIVE SUMMARY . 1
Finaccord’s research covers 60 major mobile telecoms groups and 286 country-specific operator brands . 2
An increasing proportion of mobile operator brands are offering mobile phone and gadget insurance 2
with programs most widespread in North America and in Southern and Western Europe 2
Some mobile operators distribute free insurance policies based on customers’ top-up payments. 2
The provision of assistance services via mobile operators is particularly strong in Latin America 2
Mobile telecoms groups and brands are likely to up their game in financial services for several reasons . 4
The current worldwide structure of mobile financial services is both complex and fragmented 4
In future, leading mobile telecoms groups are likely to work with a smaller number of large providers 4
1.0 INTRODUCTION 5
What is this report about? . 5
This study analyses the involvement of mobile operators in insurance and assistance 5
covering 440 distinct product initiatives 5
Rationale . 5
Mobile operators can be key affinity distribution partners in insurance and assistance. 5
Methodology . 6
Primary research 6
The research covers 60 mobile operator groups and 286 brands across 92 countries 6
Definitions 6
Insurance and assistance products and services 6
Other terms 7
Operating models . 9
Unweighted and weighted share of partnerships 9
Interactive PartnerBASE 9
Finaccord . 10
2.0 GROUP STRATEGY ANALYSIS . 11
Introduction . 11
Summary of groups researched . 11
By total number of subscribers, China Mobile is by far the largest of the 60 groups investigated 11
The global market for mobile payments . 11
The worldwide market for mobile payments has increased exponentially in recent years 11
Group strategic approaches to mobile insurance and assistance 13
Insurance and assistance initiatives are usually arranged by mobile operators at a country-specific level . 13
albeit some firms combine central planning with country-specific insurance partnerships 13
for both mobile phone and gadget cover plus other types of insurance . 14
Telefónica and Vodafone have both set up insurance captives 15
while Japan’s KDDI has established a joint venture 15
Centrally organised assistance schemes are especially prevalent in Latin America 15
as evidenced by services promoted by América Móvil, Millicom and Telefónica 15
Group ownership and partnership strategies in mobile insurance and assistance 17
The creation of captive and joint venture companies is an option for mobile telecoms groups 17
with outright or partial ownership almost inevitably the outcome of centralised decisions 17
Captives and joint ventures in insurance and assistance 17
The survey uncovered six different captive enterprises involved in mobile insurance and assistance . 17
plus one joint venture 17
Strategic partnerships with insurance and assistance companies 18
Telefónica and Vodafone have both established strategic partnerships in this arena . 18
GLOBAL MOBILE OPERATORS: STRATEGIES IN INSURANCE AND ASSISTANCE
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In future, it is likely that major telecoms groups will seek to offer more products with fewer providers 18
3.0 BRAND ANALYSIS 20
Introduction . 20
Summary of brands researched . 20
Over 50% of mobile phone subscribers are concentrated in one geographical region 21
Vodafone is the owner (or co-owner) of 23 of the mobile operator brands researched . 22
Provision of insurance and assistance products 24
Overall provision rates . 24
113 mobile operator brands have schemes for mobile phone insurance up and running . 24
and 159 intermediate at least one form of insurance or assistance 24
Various niche insurance and assistance policies are also on offer from a handful of mobile operators 24
Mobile phone insurance . 26
There has been a modest increase in the worldwide provision rate for mobile phone insurance . 26
although availability still varies substantially by region . 26
Through their mobile operator partnerships, Asurion and Assurant have access to the most subscribers . 28
with ACE ranked third based largely on its multi-country link with Vodafone 28
Marsh is used as scheme administrator in a number of cases . 28
Mobile gadget insurance 30
Operators selling mobile gadget cover are most widespread in North America and two European regions 30
The most prominent providers in this field are broadly similar to those visible for mobile phone insurance 32
Bill payment protection insurance . 33
This type of cover is on offer from a handful of brands spread across five of the seven regions 33
with Assurant and ACE the most prominent providers in the weighted analysis 34
Identity protection insurance and assistance . 35
Identity protection cover is only ever available embedded within a broader insurance policy . 35
Motor insurance 37
Few mobile operators have seen fit to market motor insurance to their subscribers 37
albeit Turkey’s Avea has introduced a car insurance comparison and brokerage service 38
Household insurance 39
Likewise, the availability rate for household insurance via mobile operators is also quite low 39
with two of five schemes in evidence having been established in Brazil 40
Travel insurance and assistance 41
Travel cover is sold by 35 of the mobile operator brands investigated . 41
with ACE claiming four significant partnerships in this domain 42
Accident insurance 43
Globally, almost 30% of mobile subscribers have access to accident cover through a mobile operator 43
with the two most prominent relationships having been established in China 44
Health insurance . 45
Health insurance is offered by mobile operators in five of the seven regions surveyed . 45
New China Life claims the partnership generating the highest weighted share . 46
MicroEnsure is active in this and other fields in several countries 46
Life insurance 47
Mobile operator schemes for life insurance are most widespread in Africa and the Middle East . 47
with many fitting the definition of micro-insurance and / or offered for free to prepaid subscribers . 47
PICC’s link with China Mobile makes it the leader by weighted share of partnerships 49
Bima is a notable player in this and other micro-insurance sectors 49
Home assistance 50
Home assistance is available as an optional extra from over a half of mobile brands in Latin America 50
usually as part of a bundle of assistance services . 50
By weighted share of partnerships, three providers control over a half of the potential market . 52
Legal assistance . 53
Legal assistance is only available from mobile operators in Latin America 53
GLOBAL MOBILE OPERATORS: STRATEGIES IN INSURANCE AND ASSISTANCE
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Patrimonial Inbursa holds the highest weighted share, thanks to its partnership with Telcel in Mexico 54
Medical assistance 55
Medical assistance is available from mobile operators in four of the seven regions investigated . 55
Prominent providers include Healthfore in India and American Assist in Latin America 56
Road assistance . 57
Schemes for road assistance through mobile operators are most numerous in the Americas 57
Allstate’s Signature Motor Club and Asurion are both important players in this context . 58
Miscellaneous insurance and assistance . 59
Personal assistance is the most widely available ‘miscellaneous’ policy type . 59
The broad array of product providers reflects the wide range of insurance and assistance types on offer . 61
Operating models for insurance and assistance products . 62
A majority of mobile operator insurance and assistance schemes are set up with a single external partner . 62
albeit a few are run internally or via a captive or joint venture entity . 62
Profiles in the interactive PartnerBASE file 64
2degrees (New Zealand) 64
3 (Austria) 66
3 (Hong Kong) 67
3 (Indonesia) . 68
3 (Ireland) 69
3 (Italy) 70
3 (Sweden) . 71
3 (UK) 72
A1 (Austria) 73
Aircel (India) 74
airtel (Ghana) 75
airtel (India) . 76
airtel (Kenya) . 77
airtel (Nigeria) 78
airtel (Tanzania) 79
airtel (Uganda) . 80
AIS (Thailand) 81
Antel (Uruguay) 82
APT – Asia Pacific Telecom (Taiwan) . 83
AT&T Mobillity (US) 84
au (Japan) 85
Avea (Turkey) 86
Bakrie Telecom (Indonesia) . 87
BASE (Belgium) 88
Beeline (Kazakhstan) 89
Beeline (Russia) 90
Bell Mobility (Canada) 91
BH Mobile (Bosnia Herzegovina) 92
Bouygues Télécom (France) 93
BSNL (India) 94
Cable & Wireless (Panama) . 95
Celcom (Malaysia) . 96
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Cell C (South Africa) . 97
Cellcom (Israel) 98
Ceria Mobile (Indonesia) 99
China Mobile (China) . 100
China Telecom (China) 101
China Unicom (China) 102
Chunghwa Telecom (Taiwan) 103
Claro (Argentina) 104
Claro (Brazil) 105
Claro (Chile) 106
Claro (Colombia) 107
Claro (Dominican Republic) 108
Claro (Ecuador) . 109
Claro (El Salvador) 110
Claro (Guatemala) 111
Claro (Honduras) . 112
Claro (Nicaragua) . 113
Claro (Peru) . 114
COSMOTE (Greece) . 115
csl (Hong Kong) 116
DiGi (Malaysia) 117
Digi.Mobil (Romania) . 118
Digicel (Haiti) 119
Digicel (Jamaica) . 120
Digitel GSM (Venezuela) . 121
Djezzy (Algeria) . 122
DNA (Finland) 123
DTAC (Thailand) 124
du (UAE) 125
EE (UK) . 126
Elisa (Finland) 127
Entel (Bolivia) . 128
Entel (Chile) . 129
Entel (Peru) . 130
E-Plus (Germany) 131
Etisalat (Egypt) 132
Etisalat (Nigeria) 133
Etisalat (UAE) . 134
Expresso (Senegal) 135
Far EasTone (Taiwan) 136
FITEL (Taiwan) . 137
Free (France) . 138
Geocell (Georgia) . 139
Glo (Ghana) 140
GLOBAL MOBILE OPERATORS: STRATEGIES IN INSURANCE AND ASSISTANCE
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Glo (Nigeria) 141
Globe Telecom (Philippines) . 142
Gmobile (Vietnam) 143
IAM (Morocco) 144
Idea Cellular (India) . 145
Indosat (Indonesia) . 146
inwi (Morocco) 147
Kcell (Kazakhstan) 148
Kölbi (Costa Rica) 149
KPN (Netherlands) 150
KT (South Korea) . 151
Kyivstar (Ukraine) 152
LG U+ (South Korea) . 153
life:) (Ukraine) . 154
LIME (Jamaica) . 155
LMT (Latvia) 156
Loop Mobile (India) . 157
Iusacell (Mexico) 158
m:tel (Bosnia Herzegovina) 159
M1 (Singapore) . 160
MagtiCom (Georgia) 161
Magyar Telekom (Hungary) 162
Maxis (Malaysia) 163
Méditel (Morocco) 164
MegaFon (Russia) 165
MEO (Portugal) . 166
Meteor (Ireland). 167
MobiFone (Vietnam) 168
Mobilis (Algeria) 169
Mobily (Saudi Arabia) 170
Mobinil (Egypt) 171
Mobistar (Belgium) 172
Movicel (Angola) 173
Movilnet (Venezuela) . 174
Movistar (Argentina) 175
Movistar (Chile) . 176
Movistar (Colombia) 177
Movistar (Ecuador) . 178
Movistar (Guatemala) 179
Movistar (Mexico) . 180
Movistar (Nicaragua) . 181
Movistar (Peru) 182
Movistar (Spain) 183
Movistar (Uruguay) . 184
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Movistar (Venezuela) . 185
MPT (Myanmar) 186
mt:s (Serbia) 187
M-Tel (Bulgaria) 188
MTN (Cameroon) . 189
MTN (Ghana) . 190
MTN (Nigeria) . 191
MTN (South Africa) . 192
MTN (Sudan) . 193
MTN (Uganda) 194
MTN (Yemen) 195
MTNL (India) 196
MTS (India) 197
MTS (Russia) . 198
MTS (Ukraine) 199
Ncell (Nepal) 200
Nepal Telecom (Nepal) 201
NetCom (Norway) 202
NEXTEL (Argentina) 203
NEXTEL (Brazil) 204
NEXTEL (Mexico) 205
NOS (Portugal) . 206
NTT DOCOMO (Japan) 207
O2 (Czech Republic) . 208
O2 (Germany) 209
O2 (Ireland) . 210
O2 (Slovakia) . 211
O2 (UK) . 212
Oi (Brazil) 213
Oman Mobile (Oman) 214
Omnitel (Lithuania) 215
Ooredoo (Algeria) 216
Ooredoo (Kuwait) . 217
Ooredoo (Oman) 218
Ooredoo (Qatar) 219
Ooredoo (Tunisia) 220
Optus Mobile (Australia) 221
Orange (Cameroon) 222
Orange (Dominican Republic) 223
Orange (France) 224
Orange (Israel) 225
Orange (Kenya) 226
Orange (Poland) 227
Orange (Romania) 228
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Orange (Senegal) 229
Orange (Slovakia) 230
Orange (Spain) . 231
Orange (Switzerland) . 232
Orange (Tunisia) 233
Pelephone (Israel) 234
Personal (Argentina) 235
Personal (Paraguay) 236
Play (Poland) 237
Plus (Poland) 238
Proximus (Belgium) 239
Reliance Communications (India) 240
Rogers Wireless (Canada) . 241
Sabafon (Yemen) . 242
Safaricom (Kenya) 243
SFR (France) . 244
Si.mobil (Slovenia) 245
Singtel Mobile (Singapore) . 246
SK Telecom (South Korea) 247
Smart Communications (Philippines) 248
Smartfren (Indonesia) 249
SmarTone (Hong Kong) 250
SoftBank Mobile (Japan) . 251
Sonera (Finland) 252
Spark (New Zealand) . 253
Sprint Nextel (US) 254
StarHub Mobile (Singapore) 255
STC (Saudi Arabia) . 256
Sunrise (Switzerland) . 257
Swisscom (Switzerland) 258
Taiwan Mobile (Taiwan) 259
Tata DOCOMO (India) . 260
TDC (Denmark) 261
Telcel (Mexico) 262
Tele2 (Latvia) . 263
Tele2 (Lithuania) 264
Tele2 (Norway) . 265
Tele2 (Russia) 266
Tele2 (Sweden) . 267
Telekom (Germany) 268
Telekom (Romania) 269
Telekom (Slovakia) . 270
Telekom Slovenije (Slovenia) 271
Telenor (Bulgaria) 272
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Telenor (Denmark) 273
Telenor (Hungary) 274
Telenor (Norway) . 275
Telenor (Serbia) 276
Telenor (Sweden) 277
Telia (Denmark) 278
Telia (Sweden) 279
Telkom (South Africa) 280
Telkomsel (Indonesia) 281
Telstra (Australia) . 282
Telus Mobility (Canada) 283
T-Hrvatski Telekom (Croatia) 284
Tigo (Bolivia) 285
Tigo (Colombia) 286
Tigo (El Salvador) 287
Tigo (Ghana) 288
Tigo (Guatemala) . 289
Tigo (Honduras) 290
Tigo (Paraguay) 291
Tigo (Senegal) 292
Tigo (Tanzania) . 293
TIM (Brazil) 294
TIM (Italy) . 295
T-Mobile (Austria) 296
T-Mobile (Czech Republic) . 297
T-Mobile (Netherlands) . 298
T-Mobile (Poland) 299
T-Mobile (US) . 300
True Move (Thailand) 301
Tunisie Télécom (Tunisia) 302
Turkcell (Turkey) 303
U.S. Cellular (US) 304
Unefon (Mexico) 305
Uninor (India) 306
Unitel (Angola) 307
Verizon Wireless (US) 308
VIBO (Taiwan) 309
Videocon (India) 310
Vietnamobile (Vietnam) 311
Viettel Mobile (Vietnam) 312
Vinaphone (Vietnam) . 313
VIP (Croatia) 314
VIP (Serbia) . 315
Visafone (Nigeria) 316
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VIVA (Kuwait) . 317
Vivacom (Bulgaria) . 318
Vivo (Brazil) . 319
Vodacom (South Africa) 320
Vodacom (Tanzania) . 321
Vodafone (Australia) 322
Vodafone (Czech Republic) 323
Vodafone (Egypt) . 324
Vodafone (Germany) . 325
Vodafone (Ghana) 326
Vodafone (Greece) . 327
Vodafone (Hungary) 328
Vodafone (India) 329
Vodafone (Ireland) 330
Vodafone (Italy) . 331
Vodafone (Netherlands) 332
Vodafone (New Zealand) 333
Vodafone (Portugal) 334
Vodafone (Qatar) . 335
Vodafone (Romania) . 336
Vodafone (Spain) . 337
Vodafone (Turkey) 338
Vodafone (UK) 339
WIND (Canada) 340
Wind (Italy) 341
WIND Hellas (Greece) 342
XL Axiata (Indonesia) 343
Y!Mobile (Japan) 344
Yoigo (Spain) . 345
yuMobile (Kenya) . 346
Zain (Kuwait) 347
Zain (Saudi Arabia) . 348
Zain (Sudan) 349
Zantel (Tanzania) . 350
【レポート販売概要】
■ タイトル：通信事業者による保険・アシスタンスの世界市場■ 英文：Global Mobile Operators: Strategies in Insurance and Assistance
■ 発行日：2015年3月
■ 調査会社：Finaccord
■ 商品コード：FINAC504163
■ 調査対象地域：グローバル
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