医療保険の市場規模、シェア、成長分析：サービスプロバイダー別、製品タイプ別、ネットワークプロバイダー別、エンドユーザー別、地域別 - 産業予測 2025～2032年

医療保険市場規模は2023年に2兆2,408億5,000万米ドルとなり、2024年の2兆3,932億3,000万米ドルから2032年には4兆513億5,000万米ドルに成長し、予測期間（2025～2032年）のCAGRは6.8%で推移する見通しです。

医療保険市場は、慢性疾患の蔓延と治療費の高騰により大きな成長を遂げています。病院代、救急車代、薬代などが保険でカバーされるため、消費者は必要なヘルスケアへのアクセスが容易になります。加えて、多くの保険会社が在宅医療を保険サービスの中に組み込んでおり、特定の症状に対して在宅での医療管理を可能にしています。インドのアユシュマン・バラットや、米国のメディケアやメディケイドのような制度といった政府のイニシアティブ、意識の高まりや革新的な政策の提供によって、この状況はさらに強化されています。デジタルトランスフォーメーションは、消費者の購入・更新プロセスを簡素化し、医療保険をより身近なものにすることで成長を促進します。

目次

イントロダクション

• 調査の目的
• 調査範囲
• 定義

調査手法

• 情報調達
• 二次と一次データの方法
• 市場規模予測
• 市場の前提条件と制限

エグゼクティブサマリー

• 世界市場の見通し
• 供給と需要の動向分析
• セグメント別機会分析

市場力学と見通し

• 市場概要
• 市場規模
• 市場力学
  • 促進要因と機会
  • 抑制要因と課題
• ポーター分析と影響
  • 競争企業間の敵対関係
  • 代替品の脅威
  • 買い手の交渉力
  • 新規参入業者の脅威
  • 供給企業の交渉力

主な市場の考察

• 重要成功要因
• 競合の程度
• 主な投資機会
• 市場エコシステム
• 市場の魅力指数（2024年）
• PESTEL分析
• マクロ経済指標
• バリューチェーン分析
• 技術の進歩
• 規制情勢
• ケーススタディ

医療保険市場規模：サービスプロバイダー別

• 民間プロバイダー
• 公共プロバイダー

医療保険市場規模：製品タイプ別

• 医療保険
• 重大疾病保険

医療保険市場規模：ネットワークプロバイダー別

• 優先プロバイダー組織（PPO）
• ポイントオブサービス（POS）
• 健康維持機構（HMO）

医療保険市場規模：エンドユーザー別

• 企業
• 個人

医療保険市場規模：地域別

• 北米
  • 米国
  • カナダ
• 欧州
  • 英国
  • ドイツ
  • スペイン
  • フランス
  • イタリア
  • その他欧州地域
• アジア太平洋地域
  • 中国
  • インド
  • 日本
  • 韓国
  • その他アジア太平洋地域
• ラテンアメリカ
  • ブラジル
  • その他ラテンアメリカ地域
• 中東・アフリカ
  • GCC諸国
  • 南アフリカ
  • その他中東・アフリカ

競合情報

• 上位5社の比較
• 主要企業の市場ポジショニング（2024年）
• 主な市場企業が採用した戦略
• 最近の市場動向
• 企業の市場シェア分析（2024年）
• 主要企業の企業プロファイル
  • 企業の詳細
  • 製品ポートフォリオ分析
  • 企業のセグメント別シェア分析
  • 収益の前年比比較（2021～2023年）

主要企業プロファイル

• Allianz
• UnitedHealth Group Inc.
• Elevance Health
• CVS Health
• Cigna Corporation
• Humana Inc.
• Bupa Group
• AXA S.A.
• Zurich Insurance Group Ltd.
• Munich Re Group
• Ping An Insurance（Group）Company of China Ltd.
• China Life Insurance Company Limited
• Prudential plc
• MetLife Inc.
• Dai-ichi Life Holdings Inc.
• Manulife Financial Corporation
• Assicurazioni Generali S.p.A.
• Aviva plc
• AIA Group Limited

結論と推奨事項

Health Insurance Market size was valued at USD 2240.85 Billion in 2023 and is poised to grow from USD 2393.23 Billion in 2024 to USD 4051.35 Billion by 2032, growing at a CAGR of 6.8% during the forecast period (2025-2032).

The health insurance market is experiencing significant growth due to the increasing prevalence of chronic diseases and the surging costs of medical treatments. With insurance covering expenses such as hospital bills, ambulance fees, and medications-often through cashless facilities at network hospitals-consumers benefit from easier access to essential healthcare. Additionally, many insurers are now including domiciliary care in their offerings, enabling medical supervision at home for specific conditions. The landscape is further enhanced by government initiatives such as India's Ayushman Bharat and schemes in the U.S. like Medicare and Medicaid, along with heightened awareness and innovative policy offerings. The digital transformation fosters growth by simplifying the purchasing and renewal processes for consumers, making health insurance more accessible.

Top-down and bottom-up approaches were used to estimate and validate the size of the Health Insurance market and to estimate the size of various other dependent submarkets. The research methodology used to estimate the market size includes the following details: The key players in the market were identified through secondary research, and their market shares in the respective regions were determined through primary and secondary research. This entire procedure includes the study of the annual and financial reports of the top market players and extensive interviews for key insights from industry leaders such as CEOs, VPs, directors, and marketing executives. All percentage shares split, and breakdowns were determined using secondary sources and verified through Primary sources. All possible parameters that affect the markets covered in this research study have been accounted for, viewed in extensive detail, verified through primary research, and analyzed to get the final quantitative and qualitative data.

Health Insurance Market Segments Analysis

The global health insurance market is segmented by Service Provider, by Product Type, by Network Provider, by End User and by Region. Based on Service Provider, the market is segmented into Private Providers, Public Providers. Based on Product Type, the market is segmented into Medical Insurance, Critical Illness Insurance. Based on Network Provider, the market is segmented into Preferred Provider Organizations (PPOs), Point of Services (POS), Health Maintenance Organization (HMOs). Based on End User, the market is segmented into Corporates, Individuals. Based on region, the market is segmented into North America, Europe, Asia Pacific, Latin America and Middle East & and Africa.

Driver of the Health Insurance Market

A significant factor propelling the health insurance market is the rising number of elderly individuals. This demographic is often affected by multiple chronic illnesses, including heart disease, cancer, type 2 diabetes, and arthritis, which drives a higher demand for health insurance policies tailored to their needs. Additionally, the prevalence of sedentary lifestyles among adults contributes to an increased incidence of chronic health issues, further expanding the patient base. The National Cancer Institute projected that in 2020, approximately 1,806,590 new cancer cases would be diagnosed in the U.S., resulting in around 606,520 fatalities, underscoring the urgency for adequate health insurance coverage.

Restraints in the Health Insurance Market

The Health Insurance market faces several constraints, primarily due to insurance fraud, which has led to the implementation of strict government regulations aimed at improving verification processes. Incidents like fraudulent accident claims, falsified death certificates, and general unawareness regarding the significance of insurance in developing nations pose significant challenges to market expansion. In regions such as Asia and Africa, where awareness and accessibility are particularly low, less than 50% of the population is covered by health insurance. These factors collectively hinder the growth prospects of the health insurance sector, making it essential to address these issues to foster market development.

Market Trends of the Health Insurance Market

The health insurance market is witnessing a significant transformation driven by innovative product offerings and digital accessibility. Insurers are increasingly introducing specialized policies, such as single disease packages targeting specific conditions like hypertension, diabetes, and cancer. This trend not only enhances customer choice but also promotes seamless transitions between providers, fostering competition and potentially lowering costs. Additionally, the rise of online platforms has revolutionized the distribution of health insurance, enabling consumers to effortlessly compare policies and make informed decisions. As a result, companies are prioritizing digital channels, positioning them as the most effective approach in reaching and engaging customers in an evolving landscape.

Table of Contents

Introduction

• Objectives of the Study
• Scope of the Report
• Definitions

Research Methodology

• Information Procurement
• Secondary & Primary Data Methods
• Market Size Estimation
• Market Assumptions & Limitations

Executive Summary

• Global Market Outlook
• Supply & Demand Trend Analysis
• Segmental Opportunity Analysis

Market Dynamics & Outlook

• Market Overview
• Market Size
• Market Dynamics
  • Driver & Opportunities
  • Restraints & Challenges
• Porters Analysis & Impact
  • Competitive rivalry
  • Threat of substitute
  • Bargaining power of buyers
  • Threat of new entrants
  • Bargaining power of suppliers

Key Market Insights

• Key Success Factors
• Degree of Competition
• Top Investment Pockets
• Market Ecosystem
• Market Attractiveness Index, 2024
• PESTEL Analysis
• Macro-Economic Indicators
• Value Chain Analysis
• Technological Advancement
• Regulatory Landscape
• Case Studies

Global Health Insurance Market Size by Service Provider & CAGR (2025-2032)

• Private Providers
• Public Providers

Global Health Insurance Market Size by Product Type & CAGR (2025-2032)

• Medical Insurance
• Critical Illness Insurance

Global Health Insurance Market Size by Network Provider & CAGR (2025-2032)

• Preferred Provider Organizations (PPOs)
• Point of Services (POS)
• Health Maintenance Organization (HMOs)

Global Health Insurance Market Size by End User & CAGR (2025-2032)

• Corporates
• Individuals

Global Health Insurance Market Size by Region & CAGR (2025-2032)

• North America, (by Service Provider, by Product Type, by Network Provider, by End User)
  • US
  • Canada
• Europe, (by Service Provider, by Product Type, by Network Provider, by End User)
  • UK
  • Germany
  • Spain
  • France
  • Italy
  • Rest of Europe
• Asia-Pacific, (by Service Provider, by Product Type, by Network Provider, by End User)
  • China
  • India
  • Japan
  • South Korea
  • Rest of Asia Pacific
• Latin America, (by Service Provider, by Product Type, by Network Provider, by End User)
  • Brazil
  • Rest of Latin America
• Middle East & Africa, (by Service Provider, by Product Type, by Network Provider, by End User)
  • GCC Countries
  • South Africa
  • Rest of Middle East & Africa

Competitive Intelligence

• Top 5 Player Comparison
• Market Positioning of Key Players, 2024
• Strategies Adopted by Key Market Players
• Recent Developments in the Market
• Company Market Share Analysis, 2024
• Company Profiles of All Key Players
  • Company Details
  • Product Portfolio Analysis
  • Company's Segmental Share Analysis
  • Revenue Y-O-Y Comparison (2021-2023)

Key Company Profiles

• Allianz
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• UnitedHealth Group Inc.
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Elevance Health
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• CVS Health
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Cigna Corporation
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Humana Inc.
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Bupa Group
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• AXA S.A.
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Zurich Insurance Group Ltd.
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Munich Re Group
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Ping An Insurance (Group) Company of China Ltd.
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• China Life Insurance Company Limited
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Prudential plc
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• MetLife Inc.
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Dai-ichi Life Holdings Inc.
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Manulife Financial Corporation
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Assicurazioni Generali S.p.A.
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Aviva plc
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• AIA Group Limited
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments

Conclusion & Recommendation