Global Microinsurance Market
市场规模（十亿美元）
CAGR :
% 
 Forecast Period |
2022 –2029 |
 Market Size (Base Year) |
USD 78.40 Billion |
 Market Size (Forecast Year) |
USD 131.71 Billion |
 CAGR |
% |
| Major Markets Players |
全球小额保险市场，按类型（终身保险、定期保险）、年龄组（未成年人、成年人、老年人）、服务提供商（小额保险（商业可行性）、通过援助/政府支持的小额保险）、模型类型（合作伙伴代理模型、全方位服务模型、提供商驱动模型、基于社区/互助模型、其他）、分销渠道（直销、金融机构、电子商务、医院、诊所、其他）划分 – 行业趋势和预测至 2029 年
市场分析和规模
微型保险可以由经认可的机构和中介机构使用各种模式管理，包括合作伙伴代理模式、一体化保险模式、全方位服务模式和社区模式。微型保险为收入来源有限且资产价值低的低收入家庭提供安全保障。通过制定个性化的保险计划，提供负担得起的保费，并为疾病、伤害、残疾和死亡提供补偿，它可以帮助经济上较弱的社会成员。它还包括与动物、火灾和农作物相关的各种财产风险。除了提供对不可预见的损失和非组织资金投资者施加的过高利率的保障外，它还将众多小型金融单位整合为一个更大的组织。
Data Bridge Market Research 分析认为，2021 年小额保险市场规模为 784 亿美元，到 2029 年将飙升至 1317.1 亿美元，预计在 2022 年至 2029 年的预测期内，复合年增长率为 6.70%。除了市场价值、增长率、细分市场、地理覆盖范围、市场参与者和市场情景等市场洞察外，Data Bridge Market Research 团队策划的市场报告还包括深入的专家分析、患者流行病学、渠道分析、定价分析和监管框架。
报告范围和市场细分
|
报告指标 |
细节 |
|
预测期 |
2022 至 2029 年 |
|
基准年 |
2021 |
|
历史岁月 |
2020（可定制为 2014 - 2019） |
|
定量单位 |
收入（单位：十亿美元）、销量（单位：台）、定价（美元） |
|
涵盖的领域 |
类型（终身保险、定期保险）、年龄组（未成年人、成年人、老年人）、服务提供商（微型保险（商业可行性）、通过援助/政府支持提供微型保险）、模型类型（合作代理模型、全方位服务模型、提供商驱动模型、基于社区/互助模型、其他）、分销渠道（直销、金融机构、电子商务、医院、诊所、其他） |
|
覆盖国家 |
U.S., Canada and Mexico in North America, Germany, France, U.K., Netherlands, Switzerland, Belgium, Russia, Italy, Spain, Turkey, Rest of Europe in Europe, China, Japan, India, South Korea, Singapore, Malaysia, Australia, Thailand, Indonesia, Philippines, Rest of Asia-Pacific (APAC) in the Asia-Pacific (APAC), Saudi Arabia, U.A.E, South Africa, Egypt, Israel, Rest of Middle East and Africa (MEA) as a part of Middle East and Africa (MEA), Brazil, Argentina and Rest of South America as part of South America |
|
Market Players Covered |
HDFC Ergo General Insurance Company Limited (India), Hollard (Netherlands), MicroEnsure Holdings Limited (U.K.), National Insurance Commission (India), Standard Chartered Bank (U.K.), Wells Fargo (U.S.), SAC Banco do Nordeste (Brazil), MetLife Services and Solutions, LLC (U.S.), Bandhan Bank (India), ICICI Bank (India), Tata AIA Life (India) |
|
Market Opportunities |
|
Market Definition
Microinsurance products offer coverage to low-income households or to individuals who have little savings. It is tailored specifically for lower valued assets and compensation for illness, injury, or death. Like conventional insurance, microinsurance covers a wide range of hazards. Both health and property threats are included in this. These risks include, among others, crop insurance, livestock/cattle insurance, insurance against fire or theft, health insurance, term life insurance, insurance against death, insurance against disability, and insurance against natural catastrophes.
Microinsurance Market Dynamics
Drivers
- Upsurge in government initiatives
Factors driving the growth of the market include rising government initiatives for developing reimbursement policies for surgical procedures, rising geriatric population, rising chronic disease incidence, rising cost of healthcare services, and growing GDP and healthcare expenditure globally. The market for microinsurance will expand between 2022 and 2029 as a result of several new opportunities and rising medical expenditures.
- Increasing accessibility of financial services
The main drivers of market growth are the global expansion of the insurance industry and the rising availability of financial services to all social strata. The market is also being positively impacted by recent innovations like peer-to-peer models and other similar consumer-friendly insurance models.
- Improvement in client experiences
Low-income households are provided with insurance coverage through microinsurance since they have restricted income options. Additionally, microinsurance offers clear and affordable insurance plans between the service provider and the insurer, which supports the market's expansion. To improve client experiences and develop a sustainable value chain for microinsurance enterprises, many organisations are also implementing multichannel interaction platforms and virtual networks, which is resulting in a good outlook for the sector.
Opportunities
Microinsurance is becoming increasingly popular with accessibility and open operation, which benefits consumers. Additionally, a number of organisations are using multichannel platforms and virtual networks to create a value chain for the microinsurance industry and to offer incentives. A further factor driving the expansion of the microinsurance sector is the emergence of consumer-friendly insurance schemes like the peer-to-peer model. Automated portfolio monitoring is becoming more popular among businesses since it enables them to maintain track of their clients' credit flows, keep track of their progress, and act appropriately right away. By reducing their risks, the microinsurance businesses can increase revenues and profits.
Restraints/Challenges
- High Cost
Rising cost of healthcare insurance products along with stringent regulations and longer time for claim reimbursement will hinder the growth of the microinsurance market in the 2022–2029 forecast period.
This microinsurance market report provides details of new recent developments, trade regulations, import-export analysis, production analysis, value chain optimization, market share, 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 microinsurance market contact Data Bridge Market Research for an Analyst Brief, our team will help you take an informed market decision to achieve market growth.
COVID-19 Impact on Microinsurance Market
The COVID-19 pandemic had a negative effect on the expansion of the microinsurance sector. The acceptance of insurance coverage decreased due to various unexpected problems brought by the epidemic, such as restrictions on human movement due to safety concerns. Microinsurance policies were adopted in emerging economies, though, as a result of continued digitalization and rising consumer awareness of different insurance policies. This development is consequently anticipated to support market growth throughout the forecast period.
Recent Development
- 2021年4月，为扩大全国小额保险业务并为坦桑尼亚市场创造新的保险产品，Micro Insurance与坦桑尼亚公司TanManagement Insurance Brokers建立了合作关系。
全球小额保险市场范围
小额保险市场根据类型、年龄组、产品、提供商、分销渠道和模式进行细分。这些细分市场之间的增长将帮助您分析行业中增长缓慢的细分市场，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
- 终身保障
- 定期保险
年龄组
- 次要的
- 成人
- 长者
产品
- 财产保险
- 健康保险
- 人寿保险
- 指数保险
- 意外死亡及伤残保险
- 其他的
提供者
- 小额保险（商业上可行）
- 通过援助/政府支持的小额保险
分销渠道
- 直销
- 金融机构
- 电子商务
- 医院
- 诊所
- 其他的
模型
- 合作代理模式
- 全方位服务模式
- 供应商驱动模型
- 基于社区/互助模式
- 其他的
小额保险市场区域分析/见解
对小额保险市场进行了分析，并按国家、类型、年龄组、产品、提供商、分销渠道和模式提供了市场规模见解和趋势。
小额保险市场报告涵盖的国家包括北美的美国、加拿大和墨西哥、欧洲的德国、法国、英国、荷兰、瑞士、比利时、俄罗斯、意大利、西班牙、土耳其、欧洲其他地区、亚太地区的中国、日本、印度、韩国、新加坡、马来西亚、澳大利亚、泰国、印度尼西亚、菲律宾、亚太地区的亚太其他地区、沙特阿拉伯、阿联酋、南非、埃及、以色列、中东和非洲其他地区、巴西、阿根廷和南美洲的其他地区。
由于老年人口的不断增长以及创新医疗技术的采用，北美在小额保险市场占据主导地位。
由于国家经济的不断改善、低收入人口的不断增加以及区域监管和立法的发展，亚太地区在小额保险市场占据主导地位。
报告的国家部分还提供了影响单个市场因素和国内市场监管变化，这些因素和变化会影响市场的当前和未来趋势。下游和上游价值链分析、技术趋势和波特五力分析、案例研究等数据点是用于预测单个国家市场情景的一些指标。此外，在提供国家数据的预测分析时，还考虑了全球品牌的存在和可用性以及它们因来自本地和国内品牌的激烈或稀缺竞争而面临的挑战、国内关税和贸易路线的影响。
竞争格局和小额保险市场份额分析
小额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、全球影响力、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小额保险市场的关注有关。
小额保险市场的一些主要参与者包括：
- HDFC Ergo 普通保险有限公司 (印度)
- 霍拉德（荷兰）
- MicroEnsure Holdings Limited（英国）
- 印度国家保险委员会
- 渣打银行（英国）
- 富国银行（美国）
- SAC Banco do Nordeste（巴西）
- 大都会人寿服务和解决方案有限责任公司（美国）
- Bandhan 银行 (印度)
- ICICI 银行（印度）
- 塔塔友邦人寿（印度）
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研究方法
Data collection and base year analysis are done using data collection modules with large sample sizes. The stage includes obtaining market information or related data through various sources and strategies. It includes examining and planning all the data acquired from the past in advance. It likewise envelops the examination of information inconsistencies seen across different information sources. The market data is analysed and estimated using market statistical and coherent models. Also, market share analysis and key trend analysis are the major success factors in the market report. To know more, please request an analyst call or drop down your inquiry.
The key research methodology used by DBMR research team is data triangulation which involves data mining, analysis of the impact of data variables on the market and primary (industry expert) validation. Data models include Vendor Positioning Grid, Market Time Line Analysis, Market Overview and Guide, Company Positioning Grid, Patent Analysis, Pricing Analysis, Company Market Share Analysis, Standards of Measurement, Global versus Regional and Vendor Share Analysis. To know more about the research methodology, drop in an inquiry to speak to our industry experts.
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