호주 민간 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 2.5%의 CAGR로 2029년까지 30,715.92백만 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.

시장 정의

건강 보험은 질병이나 부상으로 인해 발생하는 모든 종류의 수술 비용과 치료 비용을 보장하는 보험 유형입니다. 건강 보험은 특정 서비스의 전체 또는 부분 비용을 보장하는 포괄적이거나 제한된 범위의 의료 서비스에 적용됩니다. 건강 보험은 보험자가 치료를 위해 입원할 때 모든 의료 비용을 보장하므로 보험자에게 재정적 지원을 제공합니다. 건강 보험은 입원 전과 입원 후 비용도 보장합니다.

규제 프레임워크

2015년 개인 건강 보험(신중 감독)법에 따르면

민간 건강 보험사는 최소한 하나의 건강 혜택 기금을 가져야 합니다. 다음을 관리하는 제도가 있습니다.

건강 혜택 기금이 운영되는 방식 및

보험 정책이 참조되는 건강 혜택 기금 변경 및

건강 혜택 기금 종료 및

건강 혜택 기금의 외부 관리.

COVID-19는 민간 건강 보험 시장에 최소한의 영향을 미쳤습니다.

COVID-19는 2020-2021년에 다양한 제조 및 서비스 제공 산업에 영향을 미쳐 직장 폐쇄, 공급망 중단, 운송 제한으로 이어졌습니다. 그러나 수요와 공급 간의 불균형과 가격에 미치는 영향은 단기적인 것으로 간주되며 이 팬데믹이 끝나면서 회복될 것으로 예상됩니다. 전 세계적으로 COVID-19가 발생하여 개인 건강 보험에 대한 수요가 엄청나게 증가했습니다. 또한 팬데믹에 대한 두려움과 의료 서비스 비용 증가로 인해 팬데믹 동안 건강 보험 시장이 성장했습니다. 또한 건강 보험 회사는 COVID-19에 감염된 보험사를 치료하는 데 드는 의료비를 충당하기 위한 패키지와 솔루션을 도입했습니다 . 따라서 다른 산업이 COVID-19 발생 동안 많은 피해를 입었음에도 불구하고 개인 건강 보험 산업은 상당히 성장했습니다.

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 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

• In March 2021, Medibank Private Limited invested $10 million in health tech company Medinet to support the growing role of virtual health in Australia – part of its strategy to drive better health outcomes by supporting more preventative and integrated care. This development will enhance the company’s image and helps to increase its business.
• In September 2021, HCF partnered with health a rail, transport and energy health fund to provide dedicated and personalized support, services and products to health employees. This development helped company to increase its business.

Australia Private Health Insurance Market Scope

The private health insurance market is segmented on the basis of 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

On the basis of 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

On the basis of 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

On the basis of 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)

 On the basis of 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

 On the basis of distribution channel, the market is segmented direct insurance companies, insurance aggregators and others.

Competitive Landscape and Private Health Insurance Market Share Analysis

The private health insurance market competitive landscape provides details by competitor. Details included are company overview, company financials, revenue generated, market potential, investment in research and development, new market initiatives, Australia presence, production sites and facilities, production capacities, company strengths and weaknesses, product launch, product width and breadth, application dominance. The above data points provided are only related to the companies' focus related to private health insurance market.

민간 건강 보험 시장에서 활동하는 주요 기업으로는 AIA Group Limited(홍콩), HCF(호주), Allianz(독일), Suncorp Group(호주), Medibank Private Limited(호주), HSBC Group(홍콩), Tokio Marine(일본), Great Eastern Holdings Limited(말레이시아), The Royal Automobile Club of WA(Inc.)(호주), AXA(프랑스), Income(호주), Aetna Inc.(CVS Health의 자회사), Cigna 등이 있습니다.

SKU-68136