뉴질랜드 민간 건강 보험 시장 - 업계 동향 및 2029년까지의 예측

시장 분석 및 규모

건강 보험 정책 은 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.

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 1.1%의 CAGR로 2029년까지 6억 7,164만 달러에 도달할 것으로 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

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

• 2022년 3월, Allianz Ayudhya Capital PCL(AYUD)은 태국 건강 보험 시장의 주요 기업인 Aetna Thailand의 지분 100%를 인수하기로 합의했습니다. 이 인수는 태국 고객에게 혜택을 주기 위해 건강 보험 사업을 더 투자하고 확장하겠다는 의지를 재확인하는 것입니다.
• 2021년 7월, Accuro Health Insurance는 생명보험 및 건강보험사를 위한 Decision Science 플랫폼인 Montoux와 협력하여 회원들이 주요 침습적 수술을 피하는 데 도움이 될 수 있는 조기 개입을 식별하는 시범 프로그램을 진행했습니다. 이러한 발전은 회사가 사업을 확장하는 데 도움이 되었습니다.

뉴질랜드 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 유형에 따라 중증질환 보험, 개인 건강보험, 가족 건강보험, 질병별 보험 및 기타로 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 유형에 따라 시장은 건강 유지 기관(HMOS), 우선 공급자 기관(PPOS), 독점 공급자 기관(EPOS), 서비스 시점(POS) 플랜, 고가 공제 건강 플랜(HDHPS) 및 기타로 구분됩니다.

연령대

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

 연령대를 기준으로 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 및 기타 회사로 구분됩니다.

경쟁 환경 및 개인 건강 보험 시장 점유율 분석

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

민간 건강보험 시장의 주요 기업으로는 Cigna(미국), AIA Group Limited(홍콩), HCF(호주), Allianz(독일), Suncorp Group(호주), HSBC Group(홍콩), Tokio Marine(일본), UniMed(뉴질랜드), Southern Cross, Accuro Health Insurance(뉴질랜드), partners life(뉴질랜드) 등이 있습니다.

SKU-68137