意外死亡保险市场规模预计将从 2023 年的 713.4 亿美元增长到 2031 年的 1115.6 亿美元;预计 2023 年至 2031 年的复合年增长率为 5.7%。CAGR of 5.7% from 2023 to 2031.
意外身故保险市场分析
随着人们的全球流动性越来越大,对提供跨国界保障的意外死亡保险的需求也呈增长趋势。经常旅行的人、外籍人士和从事全球商业活动的个人寻求无论身处何地都能提供无缝保护的保险解决方案。保险公司正在适应这一趋势,通过提供具有全球覆盖的产品或与全球保险公司合作提供全面的解决方案。在众多地区提供无缝覆盖的能力提高了意外死亡保险对具有不同地理范围的个人的应用。
意外身故保险
行业概览
- 随着保险科技业务的增加,保险行业正在经历一波现代化浪潮。在意外死亡保险市场,保险公司正在利用数字平台重组购买流程,改善客户体验并提供创新产品。
- 移动应用程序和在线平台等数字分销渠道为消费者提供了购买、浏览和管理意外死亡保险单的高效便捷方式。
- 保险公司也在整合智能合约和区块链等新兴技术,以提高透明度、减少欺诈并加快索赔处理速度。保险价值链的数字化提高了保险的可及性和可负担性,使意外死亡保险对更广泛的人群更具吸引力。
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意外死亡保险市场驱动因素
技术整合和数据分析推动市场增长
- 在数字化发展阶段,科技在重塑保险业务格局中发挥着重要作用,意外死亡保险市场也不例外。保险公司正逐步利用数据分析和人工智能等创新技术来实现承保流程的现代化,改善风险评估,提高整体运营效率。
- 数据分析使保险公司能够评估大量信息,从而实现更精确的风险分析和量身定制的定价。预测模型有助于识别不断变化的趋势并提高承保标准,从而有助于改善风险管理。此外,技术实现了无缝的客户沟通,使保单持有人能够通过易于理解的移动应用程序和在线平台访问数据、提交索赔信息和管理保单。
- 技术的融入不仅提升了客户体验,还使保险公司能够更有效地适应不断变化的风险状况。随着技术的不断发展,预计在预测期内,意外死亡保险市场的客户参与和风险评估方面的创新将进一步增强。
意外身故保险
市场报告细分分析
- 根据应用,意外死亡保险市场分为企业和个人。2023 年,个人保险占据了意外死亡保险市场的很大份额。
- 在意外身故保险市场中,个人与企业险种的主导地位受各自专属需求和首要性影响。目前,个人险种由于消费者基础广泛,且普遍认识到个人资金保障的重要性,往往占据市场主导地位。消费者在意识增强和对人身安全的渴望的驱使下,积极寻求意外身故保险,以保护家人免受意外悲剧的侵害。
- 然而,企业部门的重要性日益凸显,尤其是当企业认识到为员工提供财务保护的重要性时。企业保险政策通常将意外死亡保险作为员工福利计划的一部分,为企业部门的增长提供了补贴。对员工福利的重视,加上某些行业的管理要求,进一步推动了企业部门对意外死亡保险的接受。
意外身故保险
市场区域分析
意外死亡保险市场报告的范围主要分为五个地区——北美、欧洲、亚太地区、中东和非洲以及南美。北美正在快速增长,预计将在 2022 年占据值得注意的意外死亡保险市场份额。北美在意外死亡保险市场占据主导地位的原因有很多,反映了该地区的金融、人口和治理特征。尤其是美国,在这一霸主地位中发挥着重要作用。该地区成熟而强劲的保险业务,加上个人保险意识的提高,为其带来了相当大的市场份额。
美国人口众多、结构多样,生活水平较高,因此对金融保障的需求巨大。由于个人希望为自己和家人提供全面的保障,财务规划和风险缓解的文化导致保险产品(包括意外死亡保险)被广泛采用。此外,北美(尤其是美国)的治理环境为保险流程提供了有利且稳定的框架。严格的监管监督确保了消费者的保护并增强了对保险业务的信任,从而吸引消费者和保险公司积极参与市场。北美在意外死亡保险市场的主导地位进一步得益于技术发展、强劲的经济和风险管理实践,使其成为意外死亡保险市场的蓬勃发展中心。
意外身故保险
意外死亡保险市场区域洞察
Insight Partners 的分析师已详细解释了预测期内影响意外死亡保险市场的区域趋势和因素。本节还讨论了北美、欧洲、亚太地区、中东和非洲以及南美和中美洲的意外死亡保险市场细分和地理位置。
- 获取意外死亡保险市场的区域具体数据
意外死亡保险市场报告范围
报告属性 | 细节 |
---|---|
2023 年的市场规模 | 713.4亿美元 |
2031 年市场规模 | 1115.6亿美元 |
全球复合年增长率(2023 - 2031) | 5.7% |
史料 | 2021-2023 |
预测期 | 2023-2031 |
涵盖的领域 | 按分销渠道
|
覆盖地区和国家 | 北美
|
市场领导者和主要公司简介 |
|
意外死亡保险市场参与者密度:了解其对业务动态的影响
意外死亡保险市场正在快速增长,这得益于最终用户需求的不断增长,这些需求源于消费者偏好的不断变化、技术进步以及对产品优势的认识不断提高等因素。随着需求的增加,企业正在扩大其产品范围,进行创新以满足消费者需求,并利用新兴趋势,从而进一步推动市场增长。
市场参与者密度是指在特定市场或行业内运营的企业或公司的分布情况。它表明在给定市场空间中,相对于其规模或总市场价值,有多少竞争对手(市场参与者)存在。
在意外死亡保险市场运营的主要公司有:
- 安联
- 意大利忠利保险公司
- 中国人寿保险股份有限公司
- 大都会人寿保险公司
- 中国平安保险股份有限公司
免责声明:上面列出的公司没有按照任何特定顺序排列。
- 了解意外死亡保险市场顶级关键参与者概况
《意外身故保险市场分析》根据类型、应用、分销渠道和地理位置进行。就类型而言,市场细分为人身伤害索赔、道路交通事故、工作场所事故和通用可充值卡。就应用而言,市场细分为企业和个人。按分销渠道,市场分为直销、银保、代理、电子商务和经纪人。根据地理位置,市场细分为北美、欧洲、亚太地区、中东和非洲以及南美。
意外身故保险
市场新闻和最新动态
在意外死亡保险市场,各公司采取并购等无机和有机战略。以下列出了一些近期的关键市场发展:
- 2024 年 1 月,MSIG 保险推出了一项新的综合人身意外险计划 PA Recovery Plus,旨在为各个人生阶段的个人提供保障。如果发生永久性残疾或意外死亡,PA RecoveryPlus 可通过赔付确保财务安全。保险范围涵盖重要福利,包括每日住院收入和医疗费用报销,以及替代治疗。
(来源:MSIG Insurance、公司网站)
意外身故保险
市场报告范围及交付成果
市场报告《意外死亡保险市场规模和预测(2021-2031)》对市场进行了详细分析,涵盖以下领域:
- 范围内涵盖的所有主要细分市场的全球、区域和国家层面的市场规模和预测。
- 市场动态,例如驱动因素、限制因素和关键机遇。
- 未来的主要趋势。
- 详细的 PEST 和 SWOT 分析
- 全球和区域市场分析涵盖主要市场趋势、主要参与者、法规和最新的市场发展。
- 行业格局和竞争分析包括市场集中度、热图分析、关键参与者和最新发展。
- 详细的公司简介。
- Historical Analysis (2 Years), Base Year, Forecast (7 Years) with CAGR
- PEST and SWOT Analysis
- Market Size Value / Volume - Global, Regional, Country
- Industry and Competitive Landscape
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Report Coverage
Revenue forecast, Company Analysis, Industry landscape, Growth factors, and Trends
Segment Covered
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Regional Scope
North America, Europe, Asia Pacific, Middle East & Africa, South & Central America
Country Scope
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Frequently Asked Questions
Increasing investments in the accidental insurance market and high adoption in the personal segment are the major factors that propel the global accidental death insurance market.
The global accidental death insurance market was estimated to be US$ 71.34 billion in 2023 and is expected to grow at a CAGR of 5.7% during the forecast period 2023 - 2031.
Digital advancements in the accidental death insurance market to play a significant role in the global accidental death insurance market in the coming years.
The key players holding majority shares in the global accidental death insurance market are Aviva PLC, Allianz SE, MetLife Inc. , AXA SA, Aegon Life Insurance Company Limited
The global accidental death insurance market is expected to reach US$ 111.56 billion by 2031.
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- AXA SA
- Sumitomo Life Insurance Company
- Aegon Life Insurance Company Limited
- Dai-ichi Life Insurance Company Limited
- Aviva plc
The Insight Partners performs research in 4 major stages: Data Collection & Secondary Research, Primary Research, Data Analysis and Data Triangulation & Final Review.
- Data Collection and Secondary Research:
As a market research and consulting firm operating from a decade, we have published and advised several client across the globe. First step for any study will start with an assessment of currently available data and insights from existing reports. Further, historical and current market information is collected from Investor Presentations, Annual Reports, SEC Filings, etc., and other information related to company’s performance and market positioning are gathered from Paid Databases (Factiva, Hoovers, and Reuters) and various other publications available in public domain.
Several associations trade associates, technical forums, institutes, societies and organization are accessed to gain technical as well as market related insights through their publications such as research papers, blogs and press releases related to the studies are referred to get cues about the market. Further, white papers, journals, magazines, and other news articles published in last 3 years are scrutinized and analyzed to understand the current market trends.
- Primary Research:
The primarily interview analysis comprise of data obtained from industry participants interview and answers to survey questions gathered by in-house primary team.
For primary research, interviews are conducted with industry experts/CEOs/Marketing Managers/VPs/Subject Matter Experts from both demand and supply side to get a 360-degree view of the market. The primary team conducts several interviews based on the complexity of the markets to understand the various market trends and dynamics which makes research more credible and precise.
A typical research interview fulfils the following functions:
- Provides first-hand information on the market size, market trends, growth trends, competitive landscape, and outlook
- Validates and strengthens in-house secondary research findings
- Develops the analysis team’s expertise and market understanding
Primary research involves email interactions and telephone interviews for each market, category, segment, and sub-segment across geographies. The participants who typically take part in such a process include, but are not limited to:
- Industry participants: VPs, business development managers, market intelligence managers and national sales managers
- Outside experts: Valuation experts, research analysts and key opinion leaders specializing in the electronics and semiconductor industry.
Below is the breakup of our primary respondents by company, designation, and region:
Once we receive the confirmation from primary research sources or primary respondents, we finalize the base year market estimation and forecast the data as per the macroeconomic and microeconomic factors assessed during data collection.
- Data Analysis:
Once data is validated through both secondary as well as primary respondents, we finalize the market estimations by hypothesis formulation and factor analysis at regional and country level.
- Macro-Economic Factor Analysis:
We analyse macroeconomic indicators such the gross domestic product (GDP), increase in the demand for goods and services across industries, technological advancement, regional economic growth, governmental policies, the influence of COVID-19, PEST analysis, and other aspects. This analysis aids in setting benchmarks for various nations/regions and approximating market splits. Additionally, the general trend of the aforementioned components aid in determining the market's development possibilities.
- Country Level Data:
Various factors that are especially aligned to the country are taken into account to determine the market size for a certain area and country, including the presence of vendors, such as headquarters and offices, the country's GDP, demand patterns, and industry growth. To comprehend the market dynamics for the nation, a number of growth variables, inhibitors, application areas, and current market trends are researched. The aforementioned elements aid in determining the country's overall market's growth potential.
- Company Profile:
The “Table of Contents” is formulated by listing and analyzing more than 25 - 30 companies operating in the market ecosystem across geographies. However, we profile only 10 companies as a standard practice in our syndicate reports. These 10 companies comprise leading, emerging, and regional players. Nonetheless, our analysis is not restricted to the 10 listed companies, we also analyze other companies present in the market to develop a holistic view and understand the prevailing trends. The “Company Profiles” section in the report covers key facts, business description, products & services, financial information, SWOT analysis, and key developments. The financial information presented is extracted from the annual reports and official documents of the publicly listed companies. Upon collecting the information for the sections of respective companies, we verify them via various primary sources and then compile the data in respective company profiles. The company level information helps us in deriving the base number as well as in forecasting the market size.
- Developing Base Number:
Aggregation of sales statistics (2020-2022) and macro-economic factor, and other secondary and primary research insights are utilized to arrive at base number and related market shares for 2022. The data gaps are identified in this step and relevant market data is analyzed, collected from paid primary interviews or databases. On finalizing the base year market size, forecasts are developed on the basis of macro-economic, industry and market growth factors and company level analysis.
- Data Triangulation and Final Review:
The market findings and base year market size calculations are validated from supply as well as demand side. Demand side validations are based on macro-economic factor analysis and benchmarks for respective regions and countries. In case of supply side validations, revenues of major companies are estimated (in case not available) based on industry benchmark, approximate number of employees, product portfolio, and primary interviews revenues are gathered. Further revenue from target product/service segment is assessed to avoid overshooting of market statistics. In case of heavy deviations between supply and demand side values, all thes steps are repeated to achieve synchronization.
We follow an iterative model, wherein we share our research findings with Subject Matter Experts (SME’s) and Key Opinion Leaders (KOLs) until consensus view of the market is not formulated – this model negates any drastic deviation in the opinions of experts. Only validated and universally acceptable research findings are quoted in our reports.
We have important check points that we use to validate our research findings – which we call – data triangulation, where we validate the information, we generate from secondary sources with primary interviews and then we re-validate with our internal data bases and Subject matter experts. This comprehensive model enables us to deliver high quality, reliable data in shortest possible time.