Individual Health Insurance Market Scope 2031 | Growth Analysis
个人健康保险市场规模预计将在 2023 年至 2031 年期间以 8.1% 的复合年增长率扩大。个人健康保险通常涵盖广泛的医疗费用,包括住院、儿童保育、医院房租等。个人健康保险计划为每个成员提供自己的保险金额。
个人健康保险市场分析
个人健康保险市场预测是根据各种二手和一手研究结果(如主要公司出版物、协会数据和数据库)估算的。个人健康保险是一种根据个人保险金额为个人提供医疗保险的保险。它指的是必须为每个家庭成员单独购买的健康保险计划。它可以帮助您根据自己的健康需求而不是整个家庭的健康需求来定制保险范围。大多数个人健康保险计划涵盖个人与住院、日托程序、道路救护服务、替代疗法、器官捐赠费用等相关的紧急医疗费用。但是,个人健康保险的价格和保险范围不能由家庭成员分担。
个人健康保险行业概述
- 随着越来越多的人从事自由职业、兼职或不提供健康福利的工作,个人开始寻求独立保险。不断上涨的医疗费用和雇主赞助计划的不确定性促使人们寻求更实惠的选择。个人计划在保险选项方面提供了更大的灵活性,允许人们个性化他们的计划以满足特定需求,而不是依赖于千篇一律的就业计划。随着人们年龄超过父母政策、离婚或提前退休,个人健康保险变得更加必要。政府政策(例如美国的《平价医疗法案》 (ACA))可能要求个人购买医疗保险,从而刺激市场需求。
- 根据美国卫生与公众服务部 2024 年 1 月的一份报告,拜登-哈里斯政府表示,在 2024 年开放注册期间,有 2130 万消费者选择了《平价医疗法案》医疗保险市场计划。超过 500 万人(约占所有计划选择的四分之一)是新加入市场的人,另有 1600 万人续保。拜登-哈里斯政府表示,在 2024 年开放注册期间,有 2130 万消费者选择了《平价医疗法案》医疗保险市场计划。超过五百万人(约占所有计划选择的四分之一)是新加入保险市场的人,另有 1600 万人正在续保。
个人健康保险市场驱动因素
保险科技推动个人健康保险市场
- 技术改进和监管变化正在推动健康保险行业向前发展。保险公司正在使用尖端技术为重视效率和可持续性的未来做好准备。这些根本性改进的主要目标是使健康保险民主化、提高受益人的服务标准、提高消费者福祉,并最终降低总成本。从自动索赔处理到个性化产品,保险科技解决方案正在引发系统性变革。
- 人工智能和机器学习算法用于通过分析各种数据点(包括年龄、职业、病史和生活方式偏好)来分析潜在消费者的风险状况。这些算法可以确定个人提出索赔或参与危险行为的可能性。
个人健康保险市场报告细分分析
- 根据服务提供商,个人健康保险市场报告细分为公共健康保险提供商和私人健康保险提供商。公共健康保险提供商细分市场预计将在 2023 年占据个人健康保险市场的很大份额。
- 个人健康保险市场的主导提供商因地区和市场动态而异。在许多国家,公共健康保险提供商(例如政府资助的计划或国家卫生服务)在为公民提供保障方面发挥着重要作用,尤其是基本或全民医疗保健。然而,私人健康保险公司经常提供更广泛的保险选择,包括具有额外福利和服务的更全面的计划。
个人健康保险 按地区进行的市场分析
个人健康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。北美正在经历快速增长,预计将占据个人健康保险市场的很大份额。该地区在医疗保健领域的重大发展促进了这一增长。北美是美国和加拿大等许多发展中国家的所在地,推动了个人健康保险市场的增长。
个人健康保险 市场报告范围
“个人健康保险市场分析”是基于核心投资策略和地理位置进行的。在服务提供商方面,市场分为公共健康保险提供商和私人健康保险提供商。根据地理位置,市场分为北美、欧洲、亚太地区、中东和非洲以及南美。
个人健康保险市场新闻和最新发展
公司在个人健康保险市场采用并购等无机和有机战略。以下列出了一些最近的关键市场发展:
- 2023 年 9 月,信诺集团的全球健康福利提供商信诺医疗国际健康部门今天宣布推出一项新的定制健康福利计划,旨在支持全球 60 岁及以上流动人士的健康和活力。 “Cigna Healthcare 全球老年人计划”旨在满足不断增长的消费者需求,并支持最近的 Cigna Healthcare 研究,该研究预测到 2025 年市场将达到 450,000 人。
[来源:Cigna Global,公司网站]
个人健康保险 市场报告范围和交付成果
市场报告“个人健康保险市场规模和预测(2021-2031)”对市场进行了详细的分析,涵盖以下领域-
- 范围内涵盖的所有关键市场部分的全球、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、法规和最新市场发展。
- 行业格局和竞争分析,涵盖市场集中度、热图分析、主要参与者和最新发展。
- 详细的公司简介。
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Report Coverage
Revenue forecast, Company Analysis, Industry landscape, Growth factors, and Trends
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Regional Scope
North America, Europe, Asia Pacific, Middle East & Africa, South & Central America
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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:
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- 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
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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.