团体健康保险市场基于(主要地区、市场参与者、规模和份额)- 预测至 2031 年

  • Report Code : TIPRE00039247
  • Category : Banking, Financial Services, and Insurance
  • Status : Upcoming
  • No. of Pages : 150
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预计从 2023 年到 2031 年,团体健康保险市场规模将以 9.6% 的复合年增长率增长。由于当前的团体健康保险市场趋势及其在预测期内可预见的影响,团体健康保险市场具有增长前景。团体健康保险市场是一个庞大且不断扩大的行业。由于经济增长、员工保留率上升、保险费用上升以及保险可及性提高,团体健康保险市场正在增长。

团体健康保险市场分析

团体健康保险为一群人(通常是公司员工或组织成员)提供保险计划。团体健康保险的成员通常支付的保险费较少,因为更多的保单持有人分担了保险公司的风险。公司和组织购买团体健康保险单,随后提供给其员工或成员。个人无法通过这些计划获得保险;只有团体才能这样做。计划要有效,参与率通常必须达到至少 70%。

团体健康保险市场行业概览

  • 团体健康保险市场为一群人(通常是公司员工或组织成员)提供医疗费用保障。这是雇主为吸引和留住人才而提供的一项重要福利。
  • 医疗费用、监管变化和雇主偏好等因素都会影响团体健康保险市场。随着医疗费用的上涨,雇主通常会寻求具有成本效益的选择,而不会影响保险质量。保险公司通过提供有竞争力的保费、全面的保险和健康计划等增值服务来竞争。
  • 此外,远程医疗等技术进步正在重塑团体健康保险计划中医疗服务的提供和获取方式。总体而言,团体健康保险市场不断发展,以满足雇主和雇员在管理医疗费用方面的需求。

团体健康保险市场驱动因素

保险费成本上涨推动团体健康保险市场

  • 保险费成本上涨在塑造团体健康保险市场动态方面发挥着关键作用。随着保费上涨,企业正在寻求更具成本效益的方式为员工提供健康保障,从而导致对团体健康保险计划的需求激增。
  • 成本分摊机制使员工能够将风险分摊给更大的个人群体,与个人保单相比,团体健康保险计划通常可以提供更具竞争力的保费。对于希望为员工提供负担得起的医疗福利的企业来说,这是一个有吸引力的选择。此外,团体计划通常提供更广泛的覆盖范围和更低的免赔额,进一步增强了其对雇主和雇员的吸引力。
  • 此外,《平价医疗法案》(ACA)通过对未能提供负担得起且足够保险的大型雇主处以罚款,激励企业为其员工提供健康保险。这一监管框架促使许多组织探索团体健康保险选项,作为合规手段,同时解决医疗成本上升的问题。
  • 因此,随着保险费成本的上升,企业越来越多地转向团体计划,作为一种经济有效的手段,为其员工提供全面的医疗福利,同时应对复杂的监管合规和保险行业内的竞争压力。

团体健康保险市场报告细分分析

  • 根据计划类型,团体健康保险市场细分为完全保险计划、混合保险计划和自保计划。预计全额保险计划部分将在 2023 年占据相当大的团体健康保险市场份额。
  • 预计全额保险计划部分在预测期内也将保持最高的复合年增长率。

按地区划分的团体健康保险市场份额分析

团体健康保险市场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,预计将占据相当大的团体健康保险市场份额,各种提供商为企业和组织提供保险。北美市场受到监管变化、医疗保健成本和雇主对福利的需求等因素的影响。

团体健康保险市场报告范围

“团体健康保险市场分析”是根据类型、模式、分销渠道和地理位置进行的。根据计划类型,市场细分为全额保险计划、混合保险计划和自保计划。根据企业规模,市场分为大型企业和中小型企业。根据分销渠道,市场分为代理商、直销、银行和其他。根据地域,市场分为北美、欧洲、亚太地区、中东和非洲以及南美。

团体健康保险市场新闻和最新发展

团体健康保险市场中的公司采用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,Bharti Group 宣布计划将其全资拥有的人寿保险合资公司 Bharti AXA Life Insurance 出售给 SBI Life。为此,Bharti Group 一直在寻求退出保险业务,专注于电信业务。

[来源:Bharti Group,新闻稿]

  • 2023 年 12 月,Everest Group 的保险部门 Everest Insurance 宣布推出一款固定赔偿保险产品。这款固定赔偿保险专为寻求非 ACA 健康保险的公司和协会团体而设计。

[来源:Everest Group,新闻稿]

团体健康保险市场报告覆盖范围和交付成果

团体健康保险市场预测是根据各种二手和一手研究结果估算的,例如主要公司出版物、协会数据和数据库。市场报告“团体健康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-

  • 市场规模和对范围内涵盖的所有关键细分市场的全球、区域和国家层面进行预测。
  • 市场动态,如驱动因素、限制因素和关键机遇。
  • 主要的未来趋势。
  • 详细的 PEST 和 SWOT 分析
  • 全球和区域市场分析,涵盖关键市场趋势、关键参与者、法规和最近的市场发展。
  • 行业格局和竞争分析,涵盖市场集中度、热图分析、关键参与者和最新发展。
  • 详细的公司简介。
Report Coverage
Report Coverage

Revenue forecast, Company Analysis, Industry landscape, Growth factors, and Trends

Segment Covered
Segment Covered

This text is related
to segments covered.

Regional Scope
Regional Scope

North America, Europe, Asia Pacific, Middle East & Africa, South & Central America

Country Scope
Country Scope

This text is related
to country scope.

The Insight Partners performs research in 4 major stages: Data Collection & Secondary Research, Primary Research, Data Analysis and Data Triangulation & Final Review.

  1. 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.

  1. 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:

Research Methodology

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.

  1. 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.

  1. 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.

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