말레이시아 개인 건강 보험 시장 - 업계 동향 및 2029년까지의 예측

시장 분석 및 규모

건강 보험 정책은 여러 유형의 특징과 혜택으로 구성됩니다. 특정 치료에 대한 재정적 보장을 보험 계약자에게 제공하며, 무현금 입원, 입원 전후 보장, 환불 및 다양한 추가 혜택을 포함한 이점을 제공하는 건강 보험 정책입니다.

건강 보험 플랜에는 여러 유형의 보장이 제공됩니다. 무현금 또는 환불 청구입니다. 무현금 혜택은 보험 계약자가 보험 회사의 네트워크 병원에서 치료를 받을 때 제공됩니다. 보험 계약자가 목록에 없는 병원에서 치료를 받는 경우, 보험 계약자는 모든 의료비를 지불한 다음 모든 의료비를 제출하여 보험 회사에 환불을 청구합니다.

이러한 개인 건강 보험은 보험자가 치료를 위해 입원할 때 모든 의료비를 보장하므로 보험자에게 재정적 지원을 제공합니다. Data Bridge Market Research는 개인 건강 보험 시장이 예측 기간 동안 1.6%의 CAGR로 2029년까지 2,353.93백만 달러에 도달할 것으로 예상한다고 분석했습니다. "개인 건강 보험"은 개인 건강 보험의 증가로 인해 해당 시장에서 가장 두드러진 유형 세그먼트를 차지합니다. Data Bridge Market Research 팀이 큐레이팅한 시장 보고서에는 심층적인 전문가 분석, 수입/수출 분석, 가격 분석, 생산 소비 분석 및 기후 사슬 시나리오가 포함되어 있습니다.

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

• 2022년 2월, Assicuranzioni Generali SPA는 의료 전문가를 위한 보험 회사인 La Me´dicale의 인수 계약을 체결했습니다. 이 개발은 또한 La Me´dicale이 마케팅하고 관리하는 Predica의 1 사망 보장 포트폴리오의 매각을 예상합니다.
• 2022년 2월, Manulife Holdings Berhad는 유연성과 저렴성에 초점을 맞춘 두 가지 보험 상품을 출시했습니다. Manulife Universal Saver는 보호를 받으면서 부를 축적할 수 있는 기회를 제공하는 유연한 생명보험입니다. Manulife Easy 5는 다섯 가지 일반적인 중증 질환에 대한 재정적 보호를 제공합니다. 이를 통해 회사는 제품 포트폴리오를 늘리는 데 도움이 될 것입니다.

말레이시아 민간 건강 보험 시장 범위

민간 건강 보험 시장은 유형, 건강 보험 범주/메탈 수준, 제공자 유형, 연령대 및 유통 채널을 기준으로 세분화됩니다. 이러한 세그먼트 간의 성장은 산업의 빈약한 성장 세그먼트를 분석하고 사용자에게 핵심 시장 응용 프로그램을 식별하기 위한 전략적 결정을 내리는 데 도움이 되는 귀중한 시장 개요와 시장 통찰력을 제공하는 데 도움이 됩니다.

유형

• 중증질환보험
• 개인 건강 보험
• 가족 건강 보험
• 질병별 보험
• 기타

시장은 유형을 기준으로 중증질환 보험, 개인 건강보험, 가족 건강보험, 질병별 보험 등으로 구분됩니다.

건강 계획 범주/금속 수준

• 청동
• 은
• 금
• 백금
• 기타

건강 보험 범주/메탈 수준을 기준으로 시장은 청동, 실버, 골드 플래티넘 및 기타로 구분됩니다. 

 제공자 유형

• 건강 유지 기관(HMOS)
• 선호 공급자 조직(PPOS)
• 독점 공급자 조직(EPOS)
• POS(Point-of-Service) 계획
• 고가공제 건강보험(HDHPS)
• 기타

공급자 유형을 기준으로 시장은 건강 유지 기관(HMOS), 우선 공급자 기관(PPOS), 독점 공급자 기관(EPOS), 서비스 시점(POS) 플랜, 고액 공제 건강 플랜(HDHPS) 및 기타로 구분됩니다.

연령대

• 청년기(19-44세)
• 중년기(45-64세)
• 노년기(65세 이상)

 연령대를 기준으로 보면 시장은 청년기(19~44세), 중년기(45~64세), 노년기(65세 이상)로 구분됩니다.

유통 채널

• 직접 보험 회사
• 보험 통합업체
• 기타

 유통 채널을 기준으로 보면 시장은 직접 보험회사, 보험 대행사 등으로 세분화됩니다.

경쟁 환경 및 개인 건강 보험 시장 점유율 분석

민간 건강 보험 시장 경쟁 구도는 경쟁자별 세부 정보를 제공합니다. 포함된 세부 정보는 회사 개요, 회사 재무, 창출된 수익, 시장 잠재력, 연구 개발 투자, 새로운 시장 이니셔티브, 말레이시아 입지, 생산 현장 및 시설, 생산 용량, 회사의 강점과 약점, 제품 출시, 제품 폭과 범위, 애플리케이션 우세입니다. 위에 제공된 데이터 포인트는 민간 건강 보험 시장과 관련된 회사의 초점에만 관련이 있습니다.

민간 건강 보험 시장에서 활동하는 주요 기업으로는 AIA Group Limited(홍콩), HCF(호주), Allianz(독일), HSBC Group(홍콩), Great Eastern Holdings Limited(말레이시아), Zurich(스위스) 등이 있습니다. , ASSICURAZIONI GENERALI SPA(이탈리아), AXA(프랑스), Etiqa(말레이시아), Prudential Assurance Malaysia Berhad(말레이시아), Hong Leong Assurance Berhad(말레이시아), Manulife Holdings Berhad(말레이시아) 등이 있습니다.

SKU-68139