马来西亚私人健康保险市场 - 行业趋势和 2029 年预测

市场分析和规模

健康保险政策包含多种功能和福利。它为投保人提供针对某些治疗的财务保障，健康保险政策提供的优势包括无现金住院、住院前和住院后保障、报销和各种附加服务。

在健康保险计划中，有几种类型的保险可供选择：无现金或报销索赔。当保单持有人在保险公司的网络医院接受治疗时，可享受无现金福利。如果保单持有人在不在名单网络内的医院接受治疗，在这种情况下，保单持有人将承担所有医疗费用，然后通过提交所有医疗账单向保险公司索赔。

这些私人健康保险为投保人提供财务支持，因为它涵盖了投保人住院治疗时的所有医疗费用。Data Bridge Market Research 分析称，私人健康保险市场预计到 2029 年将达到 23.5393 亿美元的价值，预测期内的复合年增长率为 1.6%。由于私人健康保险的兴起，“个人健康保险”在相应市场中占据最突出的类型细分市场。Data Bridge Market Research 团队策划的市场报告包括深入的专家分析、进出口分析、定价分析、生产消费分析和气候链情景。

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

• 2022 年 2 月，Assicuranzioni Generali SPA 签署了收购 La Me´dicale 的协议，La Me´dicale 是一家医疗专业人士保险公司。此举还预示着 Predica 1 死亡保险组合的出售，该组合由 La Me´dicale 营销和管理。
• 2022 年 2 月，宏利控股有限公司推出了两款以灵活性和可负担性为重点的保险产品。宏利万能储蓄计划是一项灵活的人寿保险计划，可在提供保障的同时提供积累财富的机会。宏利易 5 为五种常见重大疾病提供财务保障。这将有助于公司增加其产品组合。

马来西亚私人健康保险市场范围

私人健康保险市场根据类型、健康计划类别/金属级别、提供商类型、年龄组和分销渠道进行细分。这些细分市场之间的增长将帮助您分析行业中增长微弱的细分市场，并为用户提供有价值的市场概览和市场洞察，帮助他们做出战略决策，确定核心市场应用。

类型

• 重大疾病保险
• 个人健康保险
• 家庭健康保险
• 特定疾病保险
• 其他的

根据类型，市场分为重疾保险、个人健康保险、家庭健康保险、特定疾病保险和其他。

健康计划类别/金属级别

• 青铜
• 银
• 金子
• 铂
• 其他的

根据健康计划类别/金属等级，市场分为青铜、白银、黄金白金和其他。 

 提供商类型

• 健康维护组织（HMOS）
• 首选供应商组织 (PPOS)
• 独家供应商组织 (EPOS)
• 服务点 (POS) 计划
• 高免赔额健康计划 (HDHPS)
• 其他的

根据提供商类型，市场分为健康维护组织 (HMOS)、优先提供商组织 (PPOS)、独家提供商组织 (EPOS)、服务点 (POS) 计划、高免赔额健康计划 (HDHPS) 和其他。

年龄组

• 青年期（19-44 岁）
• 中年（45-64岁）
• 老年人（65 岁及以上）

 根据年龄段，市场分为青年期（19-44 岁）、中年期（45-64 岁）和老年期（65 岁及以上）。

分销渠道

• 直接保险公司
• 保险聚合商
• 其他的

 根据分销渠道，市场细分为直接保险公司、保险聚合商和其他公司。

竞争格局和私人健康保险市场份额分析

私人健康保险市场竞争格局按竞争对手提供详细信息。详细信息包括公司概况、公司财务状况、产生的收入、市场潜力、研发投资、新市场计划、马来西亚业务、生产基地和设施、生产能力、公司优势和劣势、产品发布、产品宽度和广度、应用主导地位。以上提供的数据点仅与公司对私人健康保险市场的关注有关。

私人健康保险市场的一些主要参与者包括友邦保险集团有限公司（香港）、HCF（澳大利亚）、安联集团（德国）、汇丰集团（香港）、大东方控股有限公司（马来西亚）、苏黎世（瑞士） 、ASSICURAZIONI GENERALI SPA（意大利）、AXA（法国）、Etiqa（马来西亚）、Prudential Assurance Malaysia Berhad （马来西亚）、丰隆保险有限公司（马来西亚）、宏利控股有限公司（马来西亚）等。

SKU-68139