베트남 민간 건강 보험 시장 - 업계 동향 및 2029년까지의 예측

시장 분석 및 규모

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

건강 보험 플랜에는 무현금 및 환불 청구를 포함한 여러 유형의 보장이 제공됩니다. 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 . 이 민간 건강 보험은 보험 계약자가 치료를 위해 입원할 때 모든 의료비를 보장하므로 보험 계약자에게 재정적 지원을 제공합니다.

Data Bridge Market Research는 베트남 민간 건강 보험 시장이 2029년까지 1,516.75백만 달러 규모에 도달할 것으로 예상하며, 예측 기간 동안 CAGR은 1.4%입니다. "개인 건강 보험"은 민간 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 provides coverage for all types of surgical expenses as well as medical treatment incurred from the illness or injury. Health insurance applies to a comprehensive or limited range of medical services providing the coverage of 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

Pursuant to the 1992 Constitution of the Socialist Republic of Vietnam, which was amended and supplemented under Resolution No. 51/2001/QH10; The National Assembly promulgates the Law on Health Insurance.

1. This Law provides the health insurance regime and policies, including participants, premium rates, responsibilities and methods of payment of health insurance premiums; health insurance cards; eligible health insurance beneficiaries; medical care for the insured; payment of costs of medical care covered by health insurance; health insurance fund; and rights and responsibilities of parties involved in health insurance.

2. This Law applies to domestic and foreign organizations and individuals in Vietnam that are involved in health insurance.

3. This Law does not apply to commercial health insurance.

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. However, 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 the pandemic. In addition, health insurance companies introduced packages and solutions for covering the medical costs of treating covid19 infected insurers. Thus, even though the other industries suffered a lot during covid19 outbreak, the Vietnam private health insurance industry was growing significantly.

Market Dynamics of 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 around the world. 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 growth of the market.

• 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 are required to stay in the hospital for a short period. Most of the health insurance companies are now covering the procedures of daycare 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 to claim insurance. While most of the 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 the employees in the public as well as the private sector. 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, given by the individual employer to their employees. The health insurance provided not only covers the employee but also 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 have more health problems due to aging and weak immune system, which may include dental issues, heart issues, cancer issues, and terminal illnesses. A good senior citizen health insurance can help senior citizens to opt for good health insurance services to reduce future financial worries. Thus, an increasing number of old age population can boost the growth of 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 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  Vietnam 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 make an informed market decision to achieve market growth.

Recent Developments

• In February 2022, Assicuranzioni Generali S.P.A. signed an agreement for the acquisition of La Me´dicale, which is an insurance company for healthcare professionals. This development also foresees the sale of Predica’s1 death coverage portfolio, marketed and managed by La Me´dicale.
• In May 2021, Aetna Inc.  won ‘Best Individual International Healthcare Provider’ at the UK Health & Protection Awards for the first time. Company was also highly commended by the judges for ‘Best Group International Private Medical Insurance Provider’. For eight consecutive years (2013 - 2020), company was chosen for Health Insurance and Protection Awards’ ‘Best Group International Private Medical Insurance Provider’. This development gave global recognition to the company.

Vietnam Private health insurance Market Scope

The Vietnam 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 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, Vietnam Private Health Insurance 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, Vietnam private health insurance 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, Vietnam private health insurance 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.

연령대

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

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

유통 채널

• 직접 보험 회사
• 보험 통합업체
• 기타

 베트남 민간 건강보험 시장은 유통 채널을 기준으로 보면 직접 보험회사, 보험 대행사 등으로 구분됩니다.

경쟁 환경 및 개인 건강 보험 시장 점유율 분석

베트남 민간 건강보험 시장 경쟁 구도는 경쟁자에 대한 세부 정보를 제공합니다. 포함된 세부 정보는 회사 개요, 회사 재무, 창출된 수익, 시장 잠재력, 연구 개발 투자, 새로운 시장 이니셔티브, 베트남 현존, 생산 현장 및 시설, 생산 용량, 회사의 강점과 약점, 제품 출시, 제품 폭과 범위, 응용 프로그램 우세입니다. 위에 제공된 데이터 포인트는 베트남 민간 건강보험 시장과 관련된 회사의 초점에만 관련이 있습니다.

민간 건강보험 시장의 주요 기업으로는 Aetna Inc. (CVS Health의 자회사) (미국), AIA Group Limited (홍콩), HSBC Group (홍콩), Tokio Marine (일본), Pacific Cross (필리핀), Great Eastern Holdings Limited (말레이시아), ASSICURAZIONI GENERALI SPA (이탈리아), Raffles Medical Group (싱가포르), Dai-ichi Life Vietnam (베트남) 등이 있습니다.

SKU-68141