Synthesis | Mutual insurers faced with competition and regulation

Breakfast debate on 27 September 2018

Although they operate largely in the same markets, insurance companies, mutuals and provident institutions are governed by distinct legal frameworks, coupled with an increasingly constrained regulatory environment. Mutuals, in particular, underwent a period of intense concentration in the 2000s, in response to an environment that had become ultra-competitive and to changes brought about by European directives and regulation. What does it mean to open up such a sensitive area as healthcare to competition? What is still special about mutuals in this new environment?

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