Spurred by demand in the new federal states, premium income grew 13% in 1991 to reach DM 154 billion, or DM 2,296 per capita. Over 80% of this revenue was earned by domestic companies. Private health insurance can be obtained to supplement or replace statutory health insurance. As of 1997, the German insurance industry was dominated by the giant Allianz company, followed by Rüchversicherung and AMB. The sector is highly regulated and, despite the opening of the European Union (EU) market, it will be difficult for foreign companies to win the confidence of potential German customers.