سوق التأمين الصحي الخاص في نيوزيلندا - اتجاهات الصناعة والتوقعات حتى عام 2029

تحليل السوق والحجم

تتكون وثيقة التأمين الصحي من عدة أنواع من الميزات والفوائد. فهي توفر تغطية مالية لحاملي الوثائق مقابل علاجات معينة، وتوفر وثيقة التأمين الصحي مزايا بما في ذلك الاستشفاء بدون نقود، وتغطية ما قبل وبعد الاستشفاء، والتعويض، والعديد من الإضافات.

في خطة التأمين الصحي، تتوفر عدة أنواع من التغطية: التغطية غير النقدية أو المطالبة بالتعويض. تتوفر الميزة غير النقدية عندما يتلقى حامل الوثيقة العلاج من المستشفيات التابعة لشبكة شركة التأمين. إذا تلقى حامل الوثيقة العلاج من المستشفيات غير المدرجة في شبكة القائمة، في هذه الحالة، يتحمل حامل الوثيقة جميع النفقات الطبية ثم يطالب بالتعويض في شركة التأمين عن طريق تقديم جميع الفواتير الطبية.

يوفر التأمين الصحي الخاص الدعم المالي لحامل الوثيقة حيث يغطي جميع النفقات الطبية عندما يكون حامل الوثيقة في المستشفى للعلاج. تحلل شركة Data Bridge Market Research أن سوق التأمين الصحي الخاص من المتوقع أن يصل إلى 671.64 مليون دولار أمريكي بحلول عام 2029، بمعدل نمو سنوي مركب قدره 1.1٪ خلال الفترة المتوقعة. يمثل "التأمين الصحي الفردي" القطاع النوعي الأكثر بروزًا في السوق المعنية بسبب ارتفاع التأمين الصحي الخاص. يتضمن تقرير السوق الذي أعده فريق Data Bridge Market Research تحليلًا متعمقًا من الخبراء، وتحليل الاستيراد / التصدير، وتحليل التسعير، وتحليل استهلاك الإنتاج، وسيناريو سلسلة المناخ.

Market Definition

Health insurance is a type of insurance that provides coverage for all kinds of surgical expenses and medical treatment incurred from the illness or injury. Health insurance applies to a comprehensive or limited range of medical services that cover the full or partial costs of specific services. Health insurance provides financial support to the policyholder as it covers all the medical expenses when the policyholder is hospitalized for the treatment. Health insurance also covers pre as well as post-hospitalization expenses.

Regulatory Framework

The Insurance (Prudential Supervision) Act 2010 is administered by the Reserve Bank for:

• Promoting the maintenance of a sound and efficient insurance sector; and
• Promoting public confidence in the insurance sector.

The act applies to all insurers carrying on business in New Zealand (as defined by the act) and includes:

• A licensing system for insurers, based on meeting the act's prudential requirements;
• Supervision by the reserve bank of compliance with the prudential requirements; and
• Powers under the act for the reserve bank in respect of insurers in financial distress or other difficulties.

COVID-19 had a Minimal Impact on the Private Health Insurance Market

COVID-19 impacted various manufacturing and service-providing industries in the year 2020-2021 as it led to the closure of workplaces, disruption of supply chains, and restrictions on transportation. The imbalance between demand and supply and its impact on pricing is considered short-term and is expected to recover as this pandemic comes to an end. Due to the outbreak of COVID-19 throughout the globe, the demand for private health insurance has increased tremendously. Also, the fear of the pandemic and the increased cost of medical services helped the health insurance market grow during a pandemic. In addition, health insurance companies introduced packages and solutions for covering the medical costs of treating COVID-19 infected insurers. Thus, even though the other industries suffered a lot during the covid19 outbreak, the private health insurance industry grew significantly.

The Market Dynamics of the Private Health Insurance Market Include:

Drivers/Opportunities

• Increasing cost of medical services

Health insurance provides financial support in cases of serious sickness or accident. Increasing medical services’ costs for surgeries and hospital stays has created a new financial epidemic worldwide. The cost of medical services is comprised of the cost of surgery, doctor fee, hospital stay cost, cost of the emergency room, and diagnostic testing cost, among others. Therefore, this increase in the cost of medical services propels the market's growth.

• Growing number of daycare procedures

Daycare procedures are those types of medical procedure or surgery that primarily requires less stay time in the hospitals. In the daycare procedure, patients must stay in the hospital for a short period. Most of the health insurance companies are now covering daycare procedures in their insurance plans, and for the claim of such types of surgery, there is no compulsion on spending 24 hours in the hospital, which is the minimum stay in the hospital claim insurance. While most health insurance plans cover hospital stays and major surgeries, the policyholders can also claim daycare procedures under their health insurance policy, which propels the demand of the market.

• Mandatory opting for health insurance in public and private sector

Buying a healthcare insurance policy is a mandatory provision for employees in the public and private sectors. Health insurance offers key medical benefits which the employee can avail of while working in a corporate. In case of any emergency or medical issues, the health insurance cover is highly useful to meet treatment expenses. The employee’s health insurance is an extended benefit the individual employer gives to their employees. The health insurance provided covers with the employee and covers their family members under the same policy plan. Also, in certain cases, the employer may pay a part of a premium or insurance coverage of the health insurance policy.

• Increasing old age population

Old age people are likely to get sicker or have health problems due to ageing and a weak immune system such as dental issues, heart issues, cancer, and terminal illness. A good senior citizen health insurance can help senior citizens to opt for good health insurance services to reduce future financial worries. Thus increasing the number of old age population can boost the demand for the health insurance market.

• Increasing awareness about the benefits of health insurance

In the face of a medical emergency, health insurance allows the consumers to take their mind off the stress related to healthcare costs and focus on the treatment instead with health insurance. Medical emergencies can happen at any time, regardless of our current good health or disciplined lifestyle. Therefore, it is important to plan for and protect our families and ourselves from any unforeseen medical situations, especially when there are elderly parents at home, as they are more susceptible to infections or other illnesses.

Restraints/Challenges Faced by the Health Insurance Market

• High cost of premiums

Health insurance covers all types of medical treatment costs. It provides financial support to the policyholder since it covers all the medical expenses when the policyholder is hospitalized for the treatment. Health insurance also covers pre as well as post-hospitalization expenses. The policyholder has to pay insurance premiums regularly to keep the health insurance policy active to purchase health insurance. The cost of insurance premium is high in most cases based on the insurance plan, which is hampering the market's growth.

• Lack of awareness regarding health insurance

In healthcare, a large portion of the world population is still not aware of the benefits of health insurance policies. Medical care expenses are increasing across the world with advancements made in the field. Through advancements in technology, the healthcare sector is one of the growing segments. However, the penetration rate of health insurance policies remains low due to a lack of awareness regarding the benefits offered by them

This private health insurance market report provides details of new recent developments, trade regulations, import-export analysis, production analysis, value chain optimization, market share, the impact of domestic and localized market players, analyses opportunities in terms of emerging revenue pockets, changes in market regulations, strategic market growth analysis, market size, category market growths, application niches and dominance, product approvals, product launches, geographic expansions, technological innovations in the market. To gain more info on the private health insurance market contact Data Bridge Market Research for an Analyst Brief. Our team will help you take an informed market decision to achieve market growth.

Recent Developments

• In March 2022, Allianz Ayudhya Capital PCL (AYUD) has agreed to acquire 100% of the shares of Aetna Thailand, a prominent player in the Thai health insurance market. The acquisition reaffirms its commitment to invest further and expand its health insurance business to benefit customers in Thailand.
• In July 2021, Accuro Health Insurance partnered with Montoux, the Decision Science platform for life and health insurers, on a pilot programme to identify early interventions that could help its members avoid major invasive surgeries. This development helped the company to expand its business.

New Zealand Private Health Insurance Market Scope

The private health insurance market is segmented based on type, health plan category/metal levels, provider type, age group and distribution channel. The growth amongst these segments will help you analyze meagre growth segments in the industries and provide the users with a valuable market overview and market insights to help them make strategic decisions for identifying core market applications.

Type

• Critical Illness Insurance
• Individual Health Insurance
• Family Health Insurance
• Disease-Specific Insurance
• Others

Based on type, the market is segmented into critical illness insurance, individual health insurance, family health insurance, disease-specific insurance and others.

Health Plan Category/Metal Levels

• Bronze
• Silver
• Gold
• Platinum
• Others

Based on health plan category/metal levels, the market is segmented into bronze, silver, gold platinum and others. 

 Provider Type

• Health maintenance organizations (HMOS)
• Preferred provider organizations (PPOS)
• Exclusive provider organizations (EPOS)
• Point-of-service (POS) plans
• High-deductible health plans (HDHPS)
• Others

Based on provider type, the market is segmented into health maintenance organizations (HMOS), preferred provider organizations (PPOS), exclusive provider organizations (EPOS), point-of-service (POS) plans, high-deductible health plans (HDHPS) and others.

Age Group

• Young Adulthood (19-44 Years)
• Middle Adulthood (45-64 Years)
• Older Adulthood (65 Years And Above)

 Based on age group, the market is segmented into young adulthood (19-44 years), middle adulthood (45-64 years) and older adulthood (65 years and above).

Distribution Channel

• Direct Insurance Companies
• Insurance Aggregators
• Others

 Based on distribution channel, the market is segmented direct insurance companies, insurance aggregators and others.

Competitive Landscape and Private Health Insurance Market Share Analysis

يوفر المشهد التنافسي لسوق التأمين الصحي الخاص تفاصيل حسب المنافس. تتضمن التفاصيل نظرة عامة على الشركة، والبيانات المالية للشركة، والإيرادات المولدة، وإمكانات السوق، والاستثمار في البحث والتطوير، ومبادرات السوق الجديدة، والتواجد في نيوزيلندا، ومواقع الإنتاج والمرافق، والقدرات الإنتاجية، ونقاط القوة والضعف في الشركة، وإطلاق المنتج، وعرض المنتج ونطاقه، وهيمنة التطبيق. تتعلق نقاط البيانات المذكورة أعلاه فقط بتركيز الشركات فيما يتعلق بسوق التأمين الصحي الخاص.

بعض اللاعبين الرئيسيين العاملين في سوق التأمين الصحي الخاص هم Cigna (الولايات المتحدة)، وAIA Group Limited (هونج كونج)، وHCF (أستراليا)، وAllianz (ألمانيا)، وSuncorp Group (أستراليا)، وHSBC Group (هونج كونج)، وTokio Marine (اليابان)، وUniMed (نيوزيلندا)، وSouthern Cross، وAccuro Health Insurance (نيوزيلندا)، وpartners life (نيوزيلندا)، وغيرها.

SKU-68137