医療取引信用保険の世界市場：2024-2031年

医療取引信用保険市場は予測期間（2024-2031年）にCAGR 6.0％で成長すると予測されます。医療取引信用保険は、病院、診療所、医療行為などの医療提供者を未払い患者の債務に起因する経済的損失から保護するために設計された保険の一種です。この保険は通常、経済的苦境や破産などの要因で支払い能力がない、あるいは支払う意志がない患者の未払い医療費をカバーするものです。医療取引信用保険は、患者の未払い残高を払い戻すことで、医療提供者の収入損失リスクを軽減するのに役立ちます。

市場力学

医療支出の理解：動向と影響要因

医療支出とは、特定期間内に医療用商品・サービスに費やされた総額のことです。医療支出には、医療、医薬品、病院サービス、その他の医療関連費用に対する個人、政府、民間団体の支出が含まれます。医療支出の動向は、人口動態、医療技術の進歩、医療政策と規制の変化などの要因に影響されます。国や地域の医療支出の水準は、医療サービスへのアクセス提供に対するその国のコミットメントと、国民の全体的な健康状態を反映しています。

経済状況の中で医療支出をナビゲートする

経済状況とは、雇用水準、所得分配、インフレ率、全体的な経済成長などの要素を含む経済の状態を指します。経済状況は、個人の医療サービスへのアクセスや経済的余裕に影響を与え、医療支出パターンに影響を与えます。経済が繁栄している時期には、所得が増加し消費意欲が高まるため、保険料や自己負担額を含む医療支出が増加する可能性があります。逆に、不況や金融危機などの景気後退期には、個人が経済的な制約に直面し、医療よりも必要なものを優先するため、医療支出が減少する可能性があります。

市場セグメンテーション

• 市場は年齢層に基づき、小児用、成人用、高齢者用に区分されます。
• 流通チャネル別に見ると、市場は直接販売、ブローカー、個人代理店、バンカーに区分されます。

小児用が最大セグメントとなる見通し

市場で最大のシェアを占めるのは小児用セグメントです。同セグメントの成長を支える主な要因としては、小児用医療サービスや治療に対する需要の増加が挙げられます。人口増加、医療技術の進歩、医療インフラの改善などの要因により小児用医療ニーズが高まり続ける中、医療提供者は小児科やクリニックでの患者数が増加しています。

かなりの市場シェアを占めるバンカーセグメント

銀行は医療ファイナンスにおいて極めて重要な役割を担っており、多くの取引を処理し、医療提供者や患者に信用枠を拡大しているため、バンカーセグメントは世界の医療取引信用保険市場において大きな市場シェアを占めています。このように金融リスクにさらされるため、不払いや債務不履行に備える取引信用保険が必要となります。取引信用保険は規制の遵守を保証するだけでなく、銀行のバランスシートを損失から守ることで財務の安定性を高める。さらに、取引信用保険を提供することで、銀行はサービスを多様化し、顧客を惹きつけ、保険会社とのパートナーシップを強化することができます。

地域別の展望

世界の医療取引信用保険市場は、北米（米国、カナダ）、欧州（英国、イタリア、スペイン、ドイツ、フランス、その他欧州地域）、アジア太平洋地域（インド、中国、日本、韓国、その他アジア太平洋地域）、世界のその他の地域（中東とアフリカ、ラテンアメリカ）を含む地域別にさらに細分化されています。

北米の医療取引信用保険市場急成長の原動力

北米では、医療費の増加、医療保険に対する需要の高まり、慢性疾患の蔓延、人口の高齢化、医療技術の進歩などにより、世界の医療取引信用保険市場が急成長しています。さらに、規制の変更や医療制度改革も北米の医療取引信用保険市場の拡大に寄与しています。

アジア太平洋が主要市場シェアを占める

全地域の中でアジア太平洋地域が大きなシェアを占めているのは、医療費の増加、保険加入に対する意識の高まり、医療サービスに対する需要の高まり、医療インフラを改善するための政府の結束した取り組みなどの要因によるものです。さらに、人口が多く中間所得層が拡大していることも、医療取引信用保険市場の成長に寄与しています。

目次

第1章 レポート概要

• 業界の現状分析と成長ポテンシャルの展望
• 調査方法とツール
• 市場内訳
  • セグメント別
  • 地域別

第2章 市場概要と洞察

• 調査範囲
• アナリストの洞察と現在の市場動向
  • 主要市場動向
  • 推奨事項
  • 結論

第3章 競合情勢

• 主要企業分析
• Chubb Limited
  • 概要
  • 財務分析
  • SWOT分析
  • 最近の動向
• Coface
  • 会社概要
  • 財務分析
  • SWOT分析
  • 最近の動向
• Zurich Insurance Group
  • 概要
  • 財務分析
  • SWOT分析
  • 最近の動向
• 主要戦略分析

第4章 市場セグメンテーション

• 医療取引信用保険の世界市場：年齢層別
  • 小児
  • 成人
  • 高齢者
• 医療取引信用保険の世界市場：流通チャネル別
  • 直接販売
  • ブローカー・個人代理店
  • バンカー

第5章 地域別分析

• 北米
  • 米国
  • カナダ
• 欧州
  • 英国
  • ドイツ
  • イタリア
  • スペイン
  • フランス
  • その他欧州
• アジア太平洋
  • 中国
  • インド
  • 日本
  • 韓国
  • その他アジア太平洋
• 世界のその他の地域
  • ラテンアメリカ
  • 中東・アフリカ

第6章 企業プロファイル

• Allianz Care
• Assicurazioni Generali S.p.A.
• American International Group, Inc.
• Atradius N.V
• Credendo
• Euler Hermes Group
• IFFCO-Tokio General Insurance Company Limited
• QBE Insurance Group Ltd.
• Securian Financial Group, Inc.
• The Manufacturers Life Insurance Company（Manulife）
• Tokio Marine HCC

LIST OF TABLES

• 1. Global Healthcare Creditor Insurance Market Research And Analysis By Age Group, 2023-2031 ($ Million)
• 2. Global Pediatric Healthcare Creditor Insurance Market Research And Analysis By Region, 2023-2031 ($ Million)
• 3. Global Adult Healthcare Creditor Insurance Market Research And Analysis By Region, 2023-2031 ($ Million)
• 4. Global Geriatric Healthcare Creditor Insurance Market Research And Analysis By Region, 2023-2031 ($ Million)
• 5. Global Healthcare Creditor Insurance Market Research And Analysis By Distribution Channel, 2023-2031 ($ Million)
• 6. Global Healthcare Creditor Insurance Via Direct Sales Market Research And Analysis By Region, 2023-2031 ($ Million)
• 7. Global Healthcare Creditor Insurance Via Brokers And Individual Agents Market Research And Analysis By Region, 2023-2031 ($ Million)
• 8. Global Healthcare Creditor Insurance Via Bankers Agents Market Research And Analysis By Region, 2023-2031 ($ Million)
• 9. Global Healthcare Creditor Insurance Market Research And Analysis By Region, 2023-2031 ($ Million)
• 10. North American Healthcare Creditor Insurance Market Research And Analysis By Country, 2023-2031 ($ Million)
• 11. North American Healthcare Creditor Insurance Market Research And Analysis By Age Group, 2023-2031 ($ Million)
• 12. North American Healthcare Creditor Insurance Market Research And Analysis By Distribution Channel, 2023-2031 ($ Million)
• 13. European Healthcare Creditor Insurance Market Research And Analysis By Country, 2023-2031 ($ Million)
• 14. European Healthcare Creditor Insurance Market Research And Analysis By Age Group, 2023-2031 ($ Million)
• 15. European Healthcare Creditor Insurance Market Research And Analysis By Distribution Channel, 2023-2031 ($ Million)
• 16. Asia-Pacific Healthcare Creditor Insurance Market Research And Analysis By Country, 2023-2031 ($ Million)
• 17. Asia-Pacific Healthcare Creditor Insurance Market Research And Analysis By Age Group, 2023-2031 ($ Million)
• 18. Asia-Pacific Healthcare Creditor Insurance Market Research And Analysis By Distribution Channel, 2023-2031 ($ Million)
• 19. Rest Of The World Healthcare Creditor Insurance Market Research And Analysis By Region, 2023-2031 ($ Million)
• 20. Rest Of The World Healthcare Creditor Insurance Market Research And Analysis By Age Group, 2023-2031 ($ Million)
• 21. Rest Of The World Healthcare Creditor Insurance Market Research And Analysis By Distribution Channel, 2023-2031 ($ Million)

LIST OF FIGURES

• 1. Global Healthcare Creditor Insurance Market Share By Age Group, 2023 Vs 2031 (%)
• 2. Global Pediatric Healthcare Creditor Insurance Market Share By Region, 2023 Vs 2031 (%)
• 3. Global Adult Healthcare Creditor Insurance Market Share By Region, 2023 Vs 2031 (%)
• 4. Global Geriatric Healthcare Creditor Insurance Market Share By Region, 2023 Vs 2031 (%)
• 5. Global Healthcare Creditor Insurance Market Share By Distribution Channel, 2023 Vs 2031 (%)
• 6. Global Healthcare Creditor Insurance Via Direct Sales Market Share By Region, 2023 Vs 2031 (%)
• 7. Global Healthcare Creditor Insurance Via Brokers And Individual Agents Market Share By Region, 2023 Vs 2031 (%)
• 8. Global Healthcare Creditor Insurance Via Bankers Agents Market Share By Region, 2023 Vs 2031 (%)
• 9. Global Healthcare Creditor Insurance Market Share By Region, 2023 Vs 2031 (%)
• 10. US Healthcare Creditor Insurance Market Size, 2023-2031 ($ Million)
• 11. Canada Healthcare Creditor Insurance Market Size, 2023-2031 ($ Million)
• 12. UK Healthcare Creditor Insurance Market Size, 2023-2031 ($ Million)
• 13. France Healthcare Creditor Insurance Market Size, 2023-2031 ($ Million)
• 14. Germany Healthcare Creditor Insurance Market Size, 2023-2031 ($ Million)
• 15. Italy Healthcare Creditor Insurance Market Size, 2023-2031 ($ Million)
• 16. Spain Healthcare Creditor Insurance Market Size, 2023-2031 ($ Million)
• 17. Rest Of Europe Healthcare Creditor Insurance Market Size, 2023-2031 ($ Million)
• 18. India Healthcare Creditor Insurance Market Size, 2023-2031 ($ Million)
• 19. China Healthcare Creditor Insurance Market Size, 2023-2031 ($ Million)
• 20. Japan Healthcare Creditor Insurance Market Size, 2023-2031 ($ Million)
• 21. South Korea Healthcare Creditor Insurance Market Size, 2023-2031 ($ Million)
• 22. Rest Of Asia-Pacific Healthcare Creditor Insurance Market Size, 2023-2031 ($ Million)
• 23. Latin America Healthcare Creditor Insurance Market Size, 2023-2031 ($ Million)
• 24. Middle East And Africa Healthcare Creditor Insurance Market Size, 2023-2031 ($ Million)

Healthcare Creditor Insurance Market Size, Share & Trends Analysis Report by Age Group (Pediatric, Adult, and Geriatric), and by Distribution Channel (Direct Sales, Brokers and Individual Agents and Bankers), Forecast Period (2024-2031)

Healthcare creditor insurance market is anticipated to grow at a CAGR of 6.0% during the forecast period (2024-2031). Healthcare creditor insurance is a type of insurance coverage designed to protect healthcare providers such as hospitals, clinics, and medical practices, from financial losses resulting from unpaid patient debts. This insurance typically covers outstanding medical bills owed by patients unable or unwilling to pay due to financial hardship, or bankruptcy, among other factors. Healthcare creditor insurance helps mitigate the risk of revenue loss for healthcare providers by reimbursing them for the unpaid balances owed by patients.

Market Dynamics

Understanding Healthcare Expenditure: Trends and Influencing Factors

Healthcare expenditure refers to the total amount of money spent on healthcare goods and services within a specified period. It encompasses spending by individuals, governments, and private organizations on medical care, pharmaceuticals, hospital services, and other healthcare-related expenses. Trends in healthcare expenditure are influenced by factors such as population demographics, advancements in medical technology, and changes in healthcare policies and regulations. The level of healthcare expenditure in a country or region reflects its commitment to providing access to healthcare services and the overall health status of its population.

Navigating Healthcare Expenditure Amid Economic Conditions

Economic conditions refer to the state of the economy, including factors such as employment levels, income distribution, inflation rates, and overall economic growth. Economic conditions influence healthcare expenditure patterns by affecting individuals' ability to access and afford healthcare services. During periods of economic prosperity, higher incomes and increased consumer confidence may lead to greater healthcare spending, including expenditures on insurance premiums and out-of-pocket expenses. Conversely, economic downturns, such as recessions or financial crises, can result in reduced healthcare spending as individuals face financial constraints and prioritize essential needs over medical care.

Market Segmentation

• Based on age group, the market is segmented into pediatric, adult, and geriatric.
• Based on the distribution channel, the market is segmented into direct sales, brokers, individual agents, and bankers.

Pediatric is Projected to Emerge as the Largest Segment

The pediatric segment is expected to hold the largest share of the market. The primary factor supporting the segment's growth includes the increasing demand for pediatric medical services and treatments. As pediatric healthcare needs continue to rise due to factors such as population growth, advancements in medical technology, and improvements in healthcare infrastructure, healthcare providers are experiencing higher patient volumes in pediatric departments and clinics.

Bankers Segment to Hold a Considerable Market Share

The bankers segment commands a significant market share in the global healthcare creditor insurance market as banks play a pivotal role in healthcare financing, handling a multitude of transactions, and extending lines of credit to healthcare providers and patients. This exposure to financial risk necessitates creditor insurance coverage to safeguard against non-payment and default. Creditor insurance not only ensures regulatory compliance but also enhances financial stability by protecting banks' balance sheets from losses. Additionally, offering creditor insurance allows banks to diversify their services, attract clients, and strengthen partnerships with insurers.

Regional Outlook

The global healthcare creditor insurance market is further segmented based on geography including North America (the US, and Canada), Europe (UK, Italy, Spain, Germany, France, and the Rest of Europe), Asia-Pacific (India, China, Japan, South Korea, and Rest of Asia-Pacific), and the Rest of the World (the Middle East & Africa, and Latin America).

Driving Forces Behind Rapid Growth of the Healthcare Creditor Insurance Market in North America

North America is experiencing rapid growth in the global healthcare creditor insurance market owing to the increasing healthcare costs, rising demand for health insurance coverage, the prevalence of chronic diseases, a large aging population, and advancements in medical technology. Additionally, regulatory changes and healthcare reforms have also contributed to the expansion of the healthcare creditor insurance market in North America.

Asia-Pacific Holds Major Market Share

Among all the regions, Asia-Pacific holds a significant share owing to factors such as increasing healthcare expenditure, growing awareness about insurance coverage, rising demand for healthcare services, and cohesive government initiatives to improve healthcare infrastructure. Additionally, the region's large population base and expanding middle class contribute to the growth of the healthcare creditor insurance market.

Market Players Outlook

The major companies serving the global healthcare creditor insurance market include Coface, Zurich Insurance Co. Ltd., Chubb, QBE Insurance Group Ltd., China Export & Credit Insurance Corp., and others. The market players are increasingly focusing on business expansion and product development by applying strategies such as collaborations, mergers and acquisitions to stay competitive in the market. For instance, in October 2023, Atradius expanded its presence in Eastern and Central Europe with the opening of a new office in Ljubljana, Slovenia's capital. This strategic initiative demonstrates Slovenia's growing economic importance within Europe and reaffirms the company's commitment to international expansion and delivering exceptional services with enhanced client accessibility.

Table of Contents

1. Report Summary

• Current Industry Analysis and Growth Potential Outlook
• 1.1. Research Methods and Tools
• 1.2. Market Breakdown
  • 1.2.1. By Segments
  • 1.2.2. By Region

2. Market Overview and Insights

• 2.1. Scope of the Report
• 2.2. Analyst Insight & Current Market Trends
  • 2.2.1. Key Market Trends
  • 2.2.2. Recommendations
  • 2.2.3. Conclusion

3. Competitive Landscape

• 3.1. Key Company Analysis
• 3.2. Chubb Limited
  • 3.2.1. Overview
  • 3.2.2. Financial Analysis
  • 3.2.3. SWOT Analysis
  • 3.2.4. Recent Developments
• 3.3. Coface
  • 3.3.1. Overview
  • 3.3.2. Financial Analysis
  • 3.3.3. SWOT Analysis
  • 3.3.4. Recent Developments
• 3.4. Zurich Insurance Group
  • 3.4.1. Overview
  • 3.4.2. Financial Analysis
  • 3.4.3. SWOT Analysis
  • 3.4.4. Recent Developments
• 3.5. Key Strategy Analysis

4. Market Segmentation

• 4.1. Global Healthcare Creditor Insurance Market by Age Group
  • 4.1.1. Pediatric
  • 4.1.2. Adult
  • 4.1.3. Geriatric
• 4.2. Global Healthcare Creditor Insurance Market by Distribution Channel
  • 4.2.1. Direct Sales
  • 4.2.2. Brokers and Individual Agents
  • 4.2.3. Bankers

5. Regional Analysis

• 5.1. North America
  • 5.1.1. United States
  • 5.1.2. Canada
• 5.2. Europe
  • 5.2.1. UK
  • 5.2.2. Germany
  • 5.2.3. Italy
  • 5.2.4. Spain
  • 5.2.5. France
  • 5.2.6. Rest of Europe
• 5.3. Asia-Pacific
  • 5.3.1. China
  • 5.3.2. India
  • 5.3.3. Japan
  • 5.3.4. South Korea
  • 5.3.5. Rest of Asia-Pacific
• 5.4. Rest of the World
  • 5.4.1. Latin America
  • 5.4.2. Middle East & Africa

6. Company Profiles

• 6.1. Allianz Care
• 6.2. Assicurazioni Generali S.p.A.
• 6.3. American International Group, Inc.
• 6.4. Atradius N.V
• 6.5. Credendo
• 6.6. Euler Hermes Group
• 6.7. IFFCO-Tokio General Insurance Company Limited
• 6.8. QBE Insurance Group Ltd.
• 6.9. Securian Financial Group, Inc.
• 6.10. The Manufacturers Life Insurance Company (Manulife)
• 6.11. Tokio Marine HCC