Marché de l'assurance maladie privée en Malaisie - Tendances et prévisions du secteur jusqu'en 2029

Analyse et taille du marché

Une police d'assurance maladie comprend plusieurs types de prestations et d'avantages. Elle offre une couverture financière aux assurés contre certains traitements, une police d'assurance maladie offrant des avantages tels que l'hospitalisation sans espèces, la couverture avant et après hospitalisation, le remboursement et divers compléments.

Dans le cadre du régime d'assurance maladie, plusieurs types de couverture sont disponibles : sans espèces ou avec remboursement. La prestation sans espèces est disponible lorsque l'assuré se fait soigner dans les hôpitaux du réseau de la compagnie d'assurance. Si l'assuré se fait soigner dans les hôpitaux qui ne font pas partie du réseau de la liste, dans ce cas, l'assuré prend en charge tous les frais médicaux et demande ensuite le remboursement à la compagnie d'assurance en soumettant toutes les factures médicales.

Ces assurances santé privées apportent un soutien financier au preneur d'assurance car elles couvrent toutes les dépenses médicales lorsque le preneur d'assurance est hospitalisé pour le traitement. Data Bridge Market Research analyse que le marché de l'assurance santé privée devrait atteindre la valeur de 2 353,93 millions USD d'ici 2029, à un TCAC de 1,6 % au cours de la période de prévision. « L'assurance santé individuelle » représente le segment de type le plus important sur le marché respectif en raison de l'augmentation de l'assurance santé privée. Le rapport de marché organisé par l'équipe de recherche sur le marché de Data Bridge comprend une analyse approfondie des experts, une analyse des importations/exportations, une analyse des prix, une analyse de la consommation de production et un scénario de chaîne climatique.

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

Bank Negara Malaysia issued the revised Guidelines on Medical and Health Insurance Business to insurers which will replace the existing guidelines governing the medical and health insurance (MHI) business which was first issued in December 1998. The revised guidelines aim to promote more equitable and consistent treatment of consumers covered under MHI policies issued by both general and life insurance companies. The revised guidelines stipulate the minimum standards that must be observed by insurers in relation to the terms of issue of MHI policies, the setting of premiums, limitations that can be imposed on core benefits provided under the policies, and disclosures to policyholders. The improved benefits to consumers generally include: -

• reduced waiting periods before a policyholder is entitled to claim for benefits provided under the policy;
• the introduction of a minimum 15 day 'free-look' period for consumers to assess the suitability of new policy purchased.

COVID-19 had a Minimal Impact on 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. Though, 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 outbreak of covid19 throughout the globe, the demand for private health insurance has increased tremendously. Also, the fear of pandemic and the increased cost for medical services helped the health insurance market grow during pandemic. In addition, health insurance companies introduced packages and solutions for covering the medical costs for treating covid19 infected insurers. Thus, even though the other industries suffered a lot during covid19 outbreak, the private health insurance industry was growing significantly.

The Market Dynamics of the Private Health Insurance Market Include:

Drivers/Opportunities in the Private Health Insurance Market

• 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 weak immune system such as dental issues, heart issues, cancer issues 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 number of old age population can boost the demand for 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 Private 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. To purchase health insurance, the policyholder has to pay insurance premiums regularly to keep the health insurance policy active. The cost of insurance premium is high in the majority of cases based on the insurance plan, which is hampering the growth of the market.

• Lack of awareness regarding health insurance

In the field of healthcare, a large portion of the world population is still not aware of the benefits of health insurance policies. The expenses of medical care are increasing across the world with advancements made in the field. Through the advancement 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

• En février 2022, Assicuranzioni Generali SPA a signé un accord pour l'acquisition de La Me´dicale, une compagnie d'assurance destinée aux professionnels de la santé. Ce développement prévoit également la vente du portefeuille de couverture décès de Predica1, commercialisé et géré par La Me´dicale.
• En février 2022, Manulife Holdings Berhad a lancé deux produits d'assurance axés sur la flexibilité et l'accessibilité. Manulife Universal Saver est un plan d'assurance-vie flexible qui offre la possibilité de créer un patrimoine tout en restant protégé. Manulife Easy 5 offre une protection financière contre cinq maladies graves courantes. Cela aidera l'entreprise à élargir son portefeuille de produits.

Portée du marché de l'assurance maladie privée en Malaisie

Le marché de l'assurance maladie privée est segmenté en fonction du type, de la catégorie de régime d'assurance maladie/des niveaux de couverture, du type de prestataire, de la tranche d'âge et du canal de distribution. La croissance parmi ces segments vous aidera à analyser les segments de croissance faibles dans les industries et à fournir aux utilisateurs un aperçu précieux du marché et des informations sur le marché pour les aider à prendre des décisions stratégiques pour identifier les principales applications du marché.

Taper

• Assurance maladies graves
• Assurance santé individuelle
• Assurance santé familiale
• Assurance maladie spécifique
• Autres

Sur la base du type, le marché est segmenté en assurance maladies graves, assurance santé individuelle, assurance santé familiale, assurance spécifique à une maladie et autres.

Catégorie de régime d'assurance maladie/Niveaux de métaux

• Bronze
• Argent
• Or
• Platine
• Autres

Sur la base de la catégorie de plan de santé/des niveaux de métal, le marché est segmenté en bronze, argent, or, platine et autres. 

 Type de fournisseur

• Organisations de maintien de la santé (HMOS)
• Organisations de fournisseurs privilégiés (PPOS)
• Organisations de fournisseurs exclusifs (EPOS)
• Plans de point de service (POS)
• Régimes de santé à franchise élevée (HDHPS)
• Autres

Sur la base du type de fournisseur, le marché est segmenté en organisations de maintien de la santé (HMOS), organisations de fournisseurs privilégiés (PPOS), organisations de fournisseurs exclusifs (EPOS), plans de point de service (POS), plans de santé à franchise élevée (HDHPS) et autres.

Groupe d'âge

• Jeunes adultes (19-44 ans)
• Âge adulte moyen (45-64 ans)
• Âge adulte avancé (65 ans et plus)

 Sur la base de la tranche d'âge, le marché est segmenté en jeunes adultes (19-44 ans), adultes moyens (45-64 ans) et adultes plus âgés (65 ans et plus).

Canal de distribution

• Compagnies d'assurance directes
• Agrégateurs d'assurance
• Autres

 Sur la base du canal de distribution, le marché est segmenté en compagnies d'assurance directes, agrégateurs d'assurance et autres.

Analyse du paysage concurrentiel et des parts de marché de l'assurance maladie privée

Le paysage concurrentiel du marché de l'assurance maladie privée fournit des détails par concurrent. Les détails inclus sont la présentation de l'entreprise, les finances de l'entreprise, les revenus générés, le potentiel du marché, les investissements dans la recherche et le développement, les nouvelles initiatives du marché, la présence en Malaisie, les sites et installations de production, les capacités de production, les forces et les faiblesses de l'entreprise, le lancement du produit, la largeur et l'étendue du produit, la domination des applications. Les points de données ci-dessus fournis ne concernent que l'orientation des entreprises liées au marché de l'assurance maladie privée.

Certains des principaux acteurs opérant sur le marché de l'assurance maladie privée sont AIA Group Limited (Hong Kong), HCF (Australie), Allianz (Allemagne), HSBC Group (Hong Kong), Great Eastern Holdings Limited (Malaisie), Zurich (Suisse). , ASSICURAZIONI GENERALI SPA (Italie), AXA (France), Etiqa (Malaisie), Prudential Assurance Malaysia Berhad (Malaisie), Hong Leong Assurance Berhad (Malaisie), Manulife Holdings Berhad (Malaisie), entre autres.

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