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歯科保険市場レポート:タイプ別、対象範囲別、人口動態別、エンドユーザー別、地域別、2024~2032年Dental Insurance Market Report by Type, Coverage, Demographics, End User, and Region 2024-2032 |
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歯科保険市場レポート:タイプ別、対象範囲別、人口動態別、エンドユーザー別、地域別、2024~2032年 |
出版日: 2024年04月08日
発行: IMARC
ページ情報: 英文 135 Pages
納期: 2~3営業日
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世界の歯科保険市場規模は2023年に2,353億米ドルに達しました。今後、IMARC Groupは、2024~2032年にかけての成長率(CAGR)は7.1%を示し、2032年には4,432億米ドルに達すると予測しています。同市場は、歯科医療費の上昇、口腔の健康維持の重要性に対する個人の意識の高まり、デジタル画像やレーザー歯科などの歯科医療における技術革新などを背景に、着実な成長を遂げています。
市場の成長と規模歯科治療や保険業務における技術的進歩、雇用主負担の保険プログラムの増加により、市場は緩やかな成長を示しています。
技術の進歩:デジタル歯科医療、データ分析、遠隔歯科医療の統合は、患者ケアの向上に貢献しています。
業界の用途:歯科保険は、予防治療、修復治療、矯正歯科、美容処置など、さまざまなサービスをカバーしています。
地理的動向:北米は、高度な歯科医療施設や熟練した専門家など、整備された医療インフラの存在により、歯科保険市場シェアをリードしています。しかし、アジア太平洋は、虫歯や歯周病などの歯科疾患の有病率の増加により、急成長市場として浮上しています。
競合情勢:主要参入企業は、個々の歯科医、歯科クリニック、歯科サービス機関(DSO)と提携し、プロバイダー・ネットワークを拡大し、プラン加入者の歯科医療サービスへのアクセスを強化しています。
課題と機会:医療費の高騰などの課題に直面する一方、技術の活用による効率化という好機にも遭遇しています。
将来の展望:歯科保険市場の将来は、個別化された治療ソリューションへの注目が高まっていることから、有望視されています。これに加えて、個人の間で費用対効果の高い歯科ソリューションに対する嗜好が高まっていることも、市場の成長を後押しすると予想されます。
口腔の健康に対する意識の高まり
口腔の健康に対する個人の意識の高まりにより、歯科保険に対する需要が高まっており、歯科保険市場の展望は明るいです。加えて、全身の健康を維持する上で口腔の健康が重要であるとの認識が高まっています。人々は、歯の問題を予防し、最適な口腔の健康を維持するために、定期的な歯科検診、予防ケア、適時治療の必要性を認識しています。これに加えて、予防歯科治療の利点に関する意識の高まりが市場の成長を後押ししています。さらに、人々は定期的な試験、クリーニング、フッ素治療などの予防サービスをカバーする歯科保険プランを求めています。これに伴い、保険会社は、定期的な歯科受診を奨励し、個人の口腔衛生問題の早期発見を促進するため、多くの場合、自己負担は最小限または無料で、予防治療の包括的な補償を提供しています。保険診療は、歯科治療に伴う経済的負担を軽減すると同時に、個人に予防措置を奨励するのに役立っています。
技術の進歩
デジタル画像、コンピューター支援設計またはコンピューター支援製造(CADまたはCAM)技術、レーザー歯科などの歯科における技術革新は、歯科治療の質と効率の向上に役立っています。これとは別に、遠隔歯科医療は遠隔での診察や診断を可能にし、患者が物理的にクリニックを訪れることなく歯科専門家からアドバイスを受けることを可能にします。さらに、歯科保険会社は遠隔歯科医療サービスの保険適用を組み込んでおり、特に遠隔地や十分なサービスを受けられない地域の保険契約者に歯科医療への便利なアクセスを提供しています。さらに、電子カルテ(EHR)システムは、管理プロセスを合理化し、歯科医療提供者と保険会社の間のコミュニケーションを促進し、請求処理の正確性を向上させる。これに伴い、保険会社はEHRシステムを活用することで、効率性を高め、事務処理を減らし、保険プランでカバーされる歯科サービスに対するタイムリーで正確な払い戻しを保証しています。このほか、データ分析ツールにより、保険会社は歯科治療の動向、パターン、利用率を分析し、十分な情報に基づいた意思決定を行うことができます。
歯科治療費の上昇
歯科医療費の増加による歯科保険への需要の高まりが、市場の成長を後押ししています。また、個人や家族は、歯科治療や処置に伴う経済的負担を管理するために歯科保険への加入を求めています。これとは別に、歯科保険は歯科治療費の一部をカバーすることで経済的保護を提供し、個人が必要な歯科サービスをより手頃な価格で利用できるようにしています。さらに、保険会社は、特に経済的制約に直面している消費者にとって、歯科保険がより利用しやすく、手頃な価格になるよう、補償オプション、費用負担構造、保険料率を調整しており、これが歯科保険市場の成長を支えています。さらに、歯科医療費の高騰に対応するため、保険適用範囲の拡大も進めています。これには、保険契約者に包括的な補償を提供するため、主要治療、歯列矯正、審美的処置に対する給付を強化した補足的歯科保険プランの提供などが含まれます。これに加えて、費用のかかる治療を避け、口腔の健康を維持するための予防歯科ケアへの注目が高まっていることも、市場の成長を促しています。
The global dental insurance market size reached US$ 235.3 Billion in 2023. Looking forward, IMARC Group expects the market to reach US$ 443.2 Billion by 2032, exhibiting a growth rate (CAGR) of 7.1% during 2024-2032. The market is experiencing steady growth driven by rising dental care costs, increasing awareness among individuals about the importance of maintaining oral health, and innovations in dentistry, such as digital imaging and laser dentistry.
Market Growth and Size: The market is witnessing moderate growth on account of technological advancements in dental treatments and insurance operations, along with rising employer-sponsored coverage programs.
Technological Advancements: The integration of digital dentistry, data analytics, and tele-dentistry assists in enhancing patient care.
Industry Applications: Dental insurance covers a range of services, including preventive care, restorative treatments, orthodontics, and cosmetic procedures.
Geographical Trends: North America leads the dental insurance market share, driven by the presence of a well-developed healthcare infrastructure, including advanced dental facilities and highly skilled professionals. However, Asia Pacific is emerging as a fast-growing market due to the increasing prevalence of dental problems, such as cavities and gum disease.
Competitive Landscape: Key players are partnering with individual dentists, dental clinics, and dental service organizations (DSOs) to expand their provider networks and enhance access to dental care services for plan members.
Challenges and Opportunities: While the market faces challenges, such as rising healthcare costs, it also encounters opportunities in leveraging technology for enhanced efficiency.
Future Outlook: The future of the dental insurance market looks promising, with the increasing focus on personalized treatment solutions. Besides this, rising preferences for cost-effective dental solutions among individuals are expected to bolster the market growth.
Rising awareness about oral health
The growing demand for dental insurance coverage due to the increasing awareness among individuals about oral health is offering a positive dental insurance market outlook. In addition, individuals are becoming more aware about the importance of oral health in maintaining overall well-being. People are recognizing the need for regular dental check-ups, preventive care, and timely treatments to prevent dental problems and maintain optimal oral health. Besides this, the rising awareness about the benefits of preventive dental care is bolstering the market growth. Furthermore, people are seeking dental insurance plans that cover preventive services, such as routine exams, cleanings, and fluoride treatments. In line with this, insurance companies are offering comprehensive coverage for preventive care, often with minimal or no out-of-pocket costs, to incentivize regular dental visits and promote early detection of oral health issues among individuals. Insurance coverage assists in mitigating the financial burden associated with dental treatments while encouraging individuals to take preventive measures.
Technological advancements
Innovations in dentistry, such as digital imaging, computer-aided design or computer-aided manufacturing (CAD or CAM) technology, and laser dentistry, assist in improving the quality and efficiency of dental treatments. Apart from this, tele-dentistry allows for remote consultations and diagnosis, enabling patients to receive advice from dental professionals without physically visiting a clinic. Moreover, dental insurance companies are incorporating coverage for tele-dentistry services, providing policyholders with convenient access to dental care, especially in remote or underserved areas. Furthermore, electronic health records (EHRs) systems streamline administrative processes, facilitate communication between dental providers and insurers, and improve accuracy in claims processing. In line with this, insurance companies leverage EHR systems to enhance efficiency, reduce paperwork, and ensure timely and accurate reimbursement for dental services covered under insurance plans. Besides this, data analytics tools enable insurance companies to analyze trends, patterns, and utilization rates in dental care, allowing them to make informed decisions.
Rising dental care costs
The escalating demand for dental insurance due to the increasing dental care costs is propelling the growth of the market. In addition, individuals and families are seeking dental insurance coverage to help manage the financial burden associated with dental treatments and procedures. Apart from this, dental insurance provides financial protection by covering a portion of dental care expenses, making it more affordable for individuals to access necessary dental services. Moreover, insurance companies are adjusting their coverage options, cost-sharing structures, and premium rates to make dental insurance more accessible and affordable for consumers, especially those facing financial constraints, which is supporting the dental insurance market growth. Furthermore, they are expanding their coverage options to address the rising costs of dental care. This includes offering supplemental dental insurance plans with enhanced benefits for major treatments, orthodontic care, and cosmetic procedures to provide comprehensive coverage for policyholders. Besides this, the increasing focus on preventive dental care to avoid costly treatments and maintain oral health is impelling the market growth.
IMARC Group provides an analysis of the key trends in each segment of the market, along with forecasts at the global, regional, and country levels for 2024-2032. Our report has categorized the market based on type, coverage, demographics, and end user.
Major
Basic
Preventive
Preventive accounts for the majority of the market share
The report has provided a detailed breakup and analysis of the market based on the type. This includes major, basic, and preventive. According to the report, preventive represented the largest segment.
Preventive coverage includes routine dental care aimed at maintaining oral health and preventing dental problems. This includes services, such as regular dental exams, cleanings, X-rays, and fluoride treatments. Preventive care plays a crucial role in maintaining oral health by identifying and addressing issues in their early stages, which can prevent more serious and costly dental problems in the future. Dental insurance encourages individuals to seek regular dental check-ups, promoting early detection of dental issues and helping to maintain optimal oral health.
Major coverage, also known as restorative or comprehensive coverage, includes more extensive dental treatments aimed at repairing or replacing damaged or missing teeth. This includes procedures, such as fillings, root canals, crowns, bridges, and dentures. Major coverage addresses dental issues and restores oral function and aesthetics. Dental insurance helps individuals manage the high costs associated with complex dental treatments, making them more accessible and affordable.
Basic coverage includes intermediate dental services that fall between preventive and major treatments. These services include simple restorative procedures like fillings, and diagnostic services like emergency exams and diagnostic X-rays. Basic coverage addresses common dental problems, such as cavities and minor tooth damage, preventing them from progressing into more serious issues that require major treatments. Dental insurance helps individuals address common dental issues promptly, reducing the risk of complications and more extensive treatments in the future.
Dental Preferred Provider Organizations
Dental Health Maintenance Organizations
Dental Indemnity Plans
Others
Dental preferred provider organizations hold the largest market share
A detailed breakup and analysis of the market based on the coverage have also been provided in the report. This includes dental preferred provider organizations, dental health maintenance organizations, dental indemnity plans, and others. According to the report, dental preferred provider organizations accounted for the largest market share.
Dental preferred provider organizations (PPOs) are managed care plans that contract with a network of dentists who agree to provide services to plan members at negotiated rates. Dental PPO plans offer flexibility and choice in selecting a dentist, even outside the network, although benefits are maximized when using in-network providers. They often cover a wide range of preventive, basic, and major dental services. Members usually pay a deductible, coinsurance, and copayments for covered services.
Dental health maintenance organizations (DHMOs) are managed care plans that provide comprehensive dental care through a network of participating dentists. Members select a primary dentist from the network who coordinates all their dental care needs. DHMO plans offer comprehensive coverage for preventive, basic, and some major dental services at fixed copayments or no cost-sharing.
Dental indemnity plans offer flexibility in choosing dentists, as they do not have provider networks. Members can visit any licensed dentist and receive reimbursement for covered services based on a fee schedule or a percentage of usual, customary, and reasonable (UCR) charges. Indemnity plans provide flexibility in choosing dentists and cover a wide range of preventive, basic, and major dental services.
Senior Citizens
Adults
Minors
The report has provided a detailed breakup and analysis of the market based on the demographics. This includes senior citizens, adults, and minors.
Dental insurance plans for senior citizens are specifically designed to address the unique oral health needs of older adults. Elderly individuals often encounter dental issues, such as gum disease, tooth decay, and tooth loss, along with potential complications from chronic health conditions and medications. Plans for senior citizens focus on comprehensive coverage for preventive care, including regular dental exams, cleanings, X-rays, and periodontal treatments to manage gum disease. They also provide coverage for major dental procedures, such as dentures, dental implants, and root canal therapy.
Furthermore, dental insurance plans for adults encompass individuals, ranging from their late teens to middle age. These plans aim to address the oral health needs of working-age adults, balancing preventive care with coverage for common dental issues and treatments. Plans for adults often prioritize preventive services, such as dental exams, cleanings, and fluoride treatments, to maintain oral health and prevent decay and gum disease. They also provide coverage for basic and major dental procedures, including fillings, crowns, root canals, and extractions.
Minors dental insurance plans are designed for children and adolescents, recognizing the importance of early intervention and preventive care in promoting lifelong oral health habits. Plans for minors place a strong focus on preventive care, including routine dental exams, cleanings, fluoride treatments, and sealants to protect against cavities. They also cover essential dental treatments, such as fillings, orthodontics, and emergency care.
Individuals
Corporates
The report has provided a detailed breakup and analysis of the market based on the end user. This includes individuals and corporates.
Individuals dental insurance plans are designed for people who seek coverage independently, outside of employer-sponsored or group plans. These plans provide individuals with flexibility and control over their dental care decisions. Individual plans offer a range of coverage options tailored to meet the diverse needs and budgets of individuals. They include preventive care, such as routine exams, cleanings, and X-rays, and coverage, for basic and major dental procedures like fillings, root canals, and crowns.
Corporates dental insurance plans are provided by employers as part of their employee benefits package. These plans aim to enhance employee satisfaction, attract talent, and promote overall wellness within the workforce. Corporate dental plans offer comprehensive coverage for preventive, basic, and major dental services. They include benefits, such as dental exams, cleanings, fillings, crowns, orthodontic treatment, and even coverage for dental implants in some cases.
North America
United States
Canada
Asia-Pacific
China
Japan
India
South Korea
Australia
Indonesia
Others
Europe
Germany
France
United Kingdom
Italy
Spain
Russia
Others
Latin America
Brazil
Mexico
Others
Middle East and Africa
North America leads the market, accounting for the largest dental insurance market share
The market research report has also provided a comprehensive analysis of all the major regional markets, which include North America (the United States and Canada); Asia Pacific (China, Japan, India, South Korea, Australia, Indonesia, and others); Europe (Germany, France, the United Kingdom, Italy, Spain, Russia, and others); Latin America (Brazil, Mexico, and others); and the Middle East and Africa. According to the report, North America accounted for the largest market share due to the presence of a well-developed healthcare infrastructure, including advanced dental facilities and highly skilled professionals. In addition, the rising focus on preventive care among individuals is impelling the market growth.
Asia Pacific stands as another key region in the market, driven by the increasing awareness about the importance of oral health among individuals. Besides this, the rising prevalence of dental problems, such as cavities and gum disease, is contributing to the growth of the market.
Europe maintains a strong presence in the market, with increasing dental care costs. In line with this, Europe is a hub for technological advancements in healthcare, including dentistry. Dental insurance plans in the region incorporate coverage for innovative treatments and technologies, which is bolstering the market growth.
Latin America exhibits the growing potential in the market on account of the rising focus on preventive care among individuals. In line with this, the increasing number of dental clinics in the region is supporting the market growth.
The Middle East and Africa region is primarily driven by changing lifestyles and dietary preferences of individuals. Apart from this, favorable government initiatives are contributing to the market growth in the region.
Key players are expanding their range of dental insurance plans to cater to the diverse needs and preferences of individuals. This includes offering plans with different levels of coverage, cost-sharing structures, and provider networks to accommodate varying budgets and preferences. In addition, insurance companies are incentivizing preventive care by offering comprehensive coverage for routine exams, cleanings, and preventive treatments, often with minimal or no cost-sharing for these services. Furthermore, companies are leveraging technology to enhance user experience, streamline operations, and improve access to dental care services. This includes digital platforms for online enrollment, claims processing, appointment scheduling, and tele-dentistry services for remote consultations. They are partnering with dental providers, including individual dentists, dental clinics, and dental service organizations (DSOs), to expand their provider networks and enhance access to dental care services for plan members.
Aetna Inc. (CVS Health Corporation)
Aflac Inc.
Allianz SE
Ameritas Life Insurance Corp.
Axa S.A.
Cigna
Delta Dental Plans Association
MetLife Inc.
United Concordia (Highmark Inc.)
United HealthCare Services Inc.
(Please note that this is only a partial list of the key players, and the complete list is provided in the report.)
November 11, 2022: Delta Dental Plans Association are expanding oral health care access to US veterans through its partnership with the Dental Lifeline Network (DLN).
August 3, 2023: Ameritas Life Insurance Corp. will offer a lifetime deductible at no additional charge to new tailored group dental plans.