سوق تأمين حوادث السفر للأعمال في الولايات المتحدة – اتجاهات الصناعة والتوقعات حتى عام 2030

تحليل وحجم سوق التأمين على حوادث السفر للأعمال في الولايات المتحدة

يعد تأمين السفر لأغراض العمل مفيدًا جدًا للمؤسسات التي ترسل موظفيها إلى أماكن مختلفة لأغراض العمل. ولضمان سلامة الموظفين، تشتري المؤسسات المختلفة، سواء كانت شركات صغيرة أو كبيرة، سياسات مختلفة مثل التأمين الصحي وتأمين السفر وغيرها من شركات التأمين. بالإضافة إلى ذلك، يذهب العديد من الأشخاص في إجازة أو عطلة مرة واحدة في السنة للاستمتاع مع العائلة والأصدقاء، مما يؤدي إلى ارتفاع الطلب على تأمين السفر في السوق.

تشير تحليلات Data Bridge Market Research إلى أن سوق التأمين على حوادث السفر للأعمال في الولايات المتحدة من المتوقع أن تصل قيمته إلى 8،487.86 مليون دولار أمريكي بحلول عام 2030، بمعدل نمو سنوي مركب قدره 17.0٪ خلال الفترة المتوقعة.

تعريف السوق

Every business trip is an investment for any company to grow and expand its business. The company must have employees at the client’s place to understand their processes, operation, and implementation. The perils of this investment can be lost baggage and passports, personal accidents, and even a hospital stay in a strange land. The protection is designed to minimize the risk and potential loss of an employee and compensate their families for their loss of income due to the accidental death or permanent disability of an employee.

U.S. Business Travel Accident Insurance Market Dynamics

This section deals with understanding the market drivers, advantages, opportunities, restraints, and challenges. All of this is discussed in detail below:

Drivers

• Increase in Demand for Travel Insurance with COVID-19 Coverage

The pandemic has restricted people from traveling from one place to another due to the lockdown. As the lockdown restriction is lifted, people are ready to travel for their business purpose or enjoy vacations. But people are concerned about their health safety, which has raised the demand for COVID-19 coverage in their travel insurance. The companies offer insurance plans with COVID-19 coverage, including a quarantine stipend, travel cancellation if they test positive, medical care, and others to cater to the customers' demands.

For instance,

• In June, PwC’s COVID-19 Consumer Insurance and Retirement Pulse Survey uncovered that people are moving to have a long-term benefit policy. It was also found that 15% of survey takers say they want to purchase life insurance due to COVID-19, and 37% fear that the pandemic may impact their retirement plan financially.

Increase in Demand for Online Platforms to Purchase Insurance

Last year, staying-at-home customers' preference for online purchases of travel increased tremendously, which has led to the rise in demand for an online platform to buy insurance. Also, the online platform helps them compare different plans while purchasing, and it needs less time without moving physically, so consumer preference has changed to the online channel. To cater to this rising demand for online platforms, companies are either coming up with their website or partnering with different companies to provide their customer with online services.

• Rise in International Trade and Business Expansion Globally

Globalization has increased the integration of the world economy through the rise of international trade. Thus, both consumers and companies can now choose from a broader range of products and services. Also, many companies are expanding their geographical reach by investing in foreign companies and setting up their branches in other countries. They have to travel from one place to another numerous times to expand their business and look into the flow of operations. Many insurance companies are coming up with different plans such as multi-trip travel protection plans to help their clients for necessary coverage. Also, the companies are coming up with a plan which can provide them with complete travel safety.

RESTRAINTS

• Low Consumer Experiences in Terms of Coverages

As most consumers have less experience regarding coverage and benefit they may get, they do not buy travel insurance. Also, due to the high premiums of the insurance, customers mostly do not buy this policy. The lack of awareness about the insurance cost and its coverage benefit has hindered the market growth.

For instance,

• A study done by Wonderflow shows that the insurance industry struggles with a reputation issue. Customers feel distant from the insurance company as they are often believed to be self-interested and opportunistic. Because of the customer's opinion, nearly 44% of customers have had no interactions with their insurers in the last 18 months. Also, about 40% of the insurance customer are dissatisfied with the company’s services

Lack of Guidance Towards Business Travel Accident Insurance

Most of the people who travel abroad lack guidance about the benefits and coverage provided by the travel insurance company. They often do not even know that travel benefits such as trip cancellation coverage, emergency medical coverage, and many more. People mostly do not purchase insurance policies as they are not aware of the company's benefits, which is expected to restrain market growth.

For instance,

• Research conducted by BioMed Central Ltd shows that approximately 20–30% of travelers lack awareness about Emergency Medical Assistance Services (EMAS), and the percentage of travelers who have previously received medical assistance through these services is extremely low. Also, it was found that less than 5% of respondents had a previous experience with EMAS

Thus, the lack of guidance and awareness about the benefits of travel insurance plans is expected to restrain market growth

CHALLENGE

• Rise in Concern Regarding Data

Big Data has become an inherent part of the sector across the globe to provide personalized experiences to the customer. More and more data about every person is being generated faster and faster from different devices. However, the increased data sharing and usage have given rise to cyber-risks about consumers' data privacy. To achieve greater customer loyalty, companies should protect the customers' data and have transparent communication with the customers. But due to the rising demand of consumers to have custom insurance policies, data sharing has increased. While having custom-made police for themselves, customers have to provide their data such as their medical records, personal details, and many more. This information is stored in cloud-based storage, which a hacker can hack, which became a major challenge to market growth.

OPPORTUNITIES

• Rise in Attractive Features to the Insurance Plan by Companies

Many companies have different ideas to attract more customers and boost the industry after the lockdown. They are adding different features to their existing plan or coming up with new policy plans to attract customers. The companies give the customer access to different benefits such as providing premium amenities while traveling or adding a custom option to the policies.

For instance,

• In July 2021, American Express announced that their U.S. Platinum and Business Platinum Card Members would have access to even more airport lounges and premium amenities when they travel. This member will be provided with world-class travel and lifestyle services and access to exclusive travel programs, benefits, and offerings. With this, the company is baking their card member to start their return to travel

Rise in Safety Concerns Among the People

The spread of coronavirus has made travelers very concerned about their health, leading to a rise in demand for travel insurance containing medical benefits. To cater to this demand, many companies are coming up with different benefits in their policies that can provide medical protection when in an emergency.

For instance,

• In July 2021, Generali Global Assistance announced that they have partnered with FootprintID to enhance its Trip Mate Travel Protection Plans. The partnership will allow travelers with Trip Mate protection plans to have access to FootprintID’s Portable Personal Health Records, which allow them to take their medical information with them anywhere. With this, the company will be able to elevate its level of care for its clients

U.S. Business Travel Accident Insurance Market Scope

ينقسم سوق التأمين ضد حوادث السفر للأعمال في الولايات المتحدة إلى سبعة قطاعات بارزة بناءً على النوع ونوع المستخدم وقناة التوزيع والتغطية ونوع السياسة وحجم العمل والمستخدم النهائي. سيساعدك النمو بين هذه القطاعات على تحليل قطاعات النمو الرئيسية في الصناعات وتزويد المستخدمين بنظرة عامة قيمة على السوق ورؤى السوق لمساعدتهم على اتخاذ قرارات استراتيجية لتحديد تطبيقات السوق الأساسية.

يكتب

• تغطية الرحلة الواحدة
• التغطية السنوية للرحلات المتعددة
• آحرون

على أساس النوع، يتم تقسيم السوق إلى تغطية رحلة واحدة، وتغطية سنوية متعددة الرحلات، وغيرها.

نوع المستخدم

• ب2ب
• ب2م
• ب2ب2م2م

على أساس نوع المستخدم، يتم تقسيم السوق إلى B2B، وB2C، وB2B2C.

قناة التوزيع

• شركة التأمين
• بنك
• سماسرة التأمين
• مجمعي التأمين
• آحرون

على أساس قناة التوزيع، يتم تقسيم السوق إلى شركة تأمين، وبنوك، ووسطاء تأمين، ومجمعي تأمين، وغيرها.

التغطية

• وفاة عرضية
• التقطيع العرضي
• الحوادث الطبية
• الرعاية الطبية خارج البلاد
• الإخلاء الأمني
• الإخلاء الطبي في حالات الطوارئ
• آحرون

على أساس التغطية، يتم تقسيم السوق إلى الحوادث الطبية، والوفاة العرضية، والتقطيع العرضي، والحوادث الطبية خارج البلاد، والإخلاء الطبي في حالات الطوارئ، والإخلاء الأمني، وغيرها.

نوع السياسة

• السياسات المحلية
• السياسات العالمية
• برنامج رئيسي خاضع للرقابة

على أساس نوع السياسة، يتم تقسيم السوق إلى سياسات محلية، وسياسات عالمية، وبرنامج رئيسي خاضع للرقابة.

حجم الأعمال

• الشركات الكبيرة (أكثر من 500 موظف)
• الشركات المتوسطة الحجم (10 - 500 موظف)
• -الشركات الصغيرة (2-10 موظفين).

على أساس حجم الأعمال، يتم تقسيم السوق إلى شركات كبيرة (أكثر من 500 موظف)، وشركات متوسطة الحجم (10 - 500 موظف)، وشركات صغيرة (2 - 10 موظفين).

المستخدم النهائي

• شركة كبرى
• حكومة
• المسافرون والموظفون الدوليون (المغتربون)

على أساس المستخدم النهائي، يتم تقسيم السوق إلى الشركات والحكومة والمسافرين والموظفين الدوليين (EXPATS).

تحليل المنافسة وحصة سوق التأمين على حوادث السفر للأعمال في الولايات المتحدة

يوفر المشهد التنافسي لسوق تأمين حوادث السفر للأعمال في الولايات المتحدة تفاصيل عن المنافسين. تتضمن التفاصيل نظرة عامة على الشركة، والبيانات المالية للشركة، والإيرادات المولدة، وإمكانات السوق، والاستثمار في البحث والتطوير، ومبادرات السوق الجديدة، والحضور في منطقة آسيا والمحيط الهادئ، ومواقع الإنتاج والمرافق، والقدرات الإنتاجية، ونقاط القوة والضعف للشركة، وإطلاق المنتج، وعرض المنتج ونطاقه، وهيمنة التطبيق. تتعلق نقاط البيانات المذكورة أعلاه فقط بتركيز الشركات على السوق.

بعض اللاعبين الرئيسيين الذين يعملون في سوق التأمين على حوادث السفر للأعمال في الولايات المتحدة هم AXA Partners USA SA و Travel Insured International و Arch Capital Group Ltd. و GENERALI GLOBAL ASSISTANCE و Travelex Insurance Services Inc. و VisitorsCoverage Inc و Berkshire Hathaway Specialty Insurance و AGA Service Company و MetLife Services and Solutions، LLC و Chubb و American Express و Tokio Marine HCC و The Hartford و American International Group، Inc. و Insubuy، LLC و International Medical Group، Inc (شركة تابعة لشركة SiriusPoint Ltd.) وغيرها.

SKU-65657