保険の世界市場規模：タイプ別、組織規模別、地域別、範囲および予測

保険市場の規模と予測

2022年の保険市場規模は6兆3,133億3,000万米ドルで、2024年から2030年までのCAGRは9.21%で、2030年には12兆7,269億6,000万米ドルに達すると予測されます。世界経済の成長と都市化は、保険市場の重要な促進要因のひとつです。多くの国々で可処分所得が増加しているため、より多くの人々が保険に加入できるようになり、一方、都市化によって交通密度の上昇、財産の盗難、環境災害などのリスクにさらされる機会が増えています。世界各国の政府もまた、保険市場の成長を促す上で極めて重要な役割を果たしています。保険加入を促進する規制上の取り組みやインセンティブは、保険会社にとって有利な環境を作り出し、個人や企業が潜在的なリスクから身を守ることを促します。本レポートは、世界の保険市場を総合的に評価したものです。主要セグメント、動向、市場促進要因、抑制要因、競合情勢、市場で重要な役割を果たしている要因などを包括的に分析しています。

世界保険市場の定義

保険とは、個人や団体が保険会社から保険契約という形で金銭的な保護や払い戻しを受ける契約です。保険会社は顧客のリスクをプールし、被保険者にとって支払いがより手頃になるようにしています。保険契約は、被保険者の財産への損害、または第三者への損害や傷害に対する賠償責任から生じる大小の金銭的損失のリスクから保護するために使用されます。保険契約には多くの種類があり、その中から選択することができ、ほとんど誰でも、あるいはどのような企業でも、価格に応じて保険に加入してくれる保険会社を見つけることができます。

自動車保険、健康保険、住宅所有者保険、生命保険は、個人保険の最も頻繁な形態です。米国では自動車保険は法律で義務付けられており、ほとんどの個人がこれらの保険の少なくとも1つに加入しています。保険とは経済的損失から身を守る方法です。保険とは、経済的リスクを予測・評価し、その影響を最小限に抑えるための解決策を提供するものです。保険会社とは、免責金額、契約要件、保険料控除の優遇措置など、保険やリスク管理措置を提供する団体です。どのような種類の保険にも、3つの重要な要素（保険料、契約限度額、免責金額）があります。

保険料は保険契約にかかる費用であり、通常は月々の費用として表されます。保険料は、お客様やお客様のビジネスのリスク・プロファイル（信用度など）に基づいて保険会社が決定します。保険限度額とは、保険契約に基づいて保険会社が補償の対象となる損害に対して支払う最高限度額のことです。最高限度額は、特定の期間（例：年間または保険期間）、特定の損害または傷害、または保険期間全体（生涯最高限度額としても知られる）に対して設定される可能性があります。免責金額は、保険会社が保険金を支払う前に保険契約者が支払わなければならないあらかじめ決められた金額です。免責金額は、少額の請求を多数提出することに対する抑止力として機能します。

世界の保険市場概要

市場拡大の主な要因のひとつは、世界の保険金請求件数の増加です。世界の消費者が最もよく利用する保険金請求は、自動車保険、生命保険、家庭保険です。保険にテクノロジーを活用することで、商品のコストを下げ、企業の収益性を高め、新たなリスクプールへのアクセスを可能にすることができます。人的労力、時間、コストを削減するため、保険会社は従来の業務や日々のワークフローにデジタル技術を統合し始めています。開発途上国や新興国の保険業界が高度化するにつれて、デジタル・ソリューションが保険のサプライ・チェーンに浸透し、業務効率、ひいては収益性が向上する可能性が高いです。

新興国における可処分所得の増加により、金融意識が高まり、長期的な資金計画が望まれるようになります。特に生命保険は、愛する人を守り、経済的な将来を確保する方法を求める個人の人気を集めています。さらに、生命保険商品には、貯蓄保険や投資連動型保険など、投資の要素が含まれていることが多いです。こうした商品は、契約者に貯蓄を蓄積したり、長期にわたって金融市場の成長に参加したりする機会を提供します。このように、新興国では可処分所得と購買力が増加しており、保険市場に多くの成長機会が生まれています。

規制遵守は、保険会社が世界市場で直面する大きな要因です。高度に規制された業界であるため、保険会社はさまざまな管轄区域にまたがる複雑な法律、規制、監督体制の網の目をくぐり抜けなければならないです。これらの規制を遵守することは、消費者保護、金融の安定、保険業界全体の健全性を確保するために不可欠です。しかし、規制要件を満たすには時間とコストがかかり、保険業務の様々な側面に影響を及ぼすという課題があります。

課題にもかかわらず、サイバー保険に対する需要の高まりは、予測期間中、市場に様々な成長機会をもたらすと予想されます。サイバー保険商品は、データ漏洩やサイバー攻撃などのサイバー脅威活動のリスクを軽減するために組織を支援します。一般的な保険商品や商業賠償責任プランではカバーされないことが多い、情報ガバナンス、ITインフラ、情報ポリシーに対するインターネットベースの攻撃のコストから企業を保護します。

目次

第1章 世界の保険市場のイントロダクション

• 市場概要
• 調査範囲
• 前提条件

第2章 エグゼクティブサマリー

第3章 VERIFIED MARKET RESEARCHの調査手法

• データマイニング
• バリデーション
• 一次資料
• データソース一覧

第4章 世界の保険市場の展望

• 概要
• 市場力学
  • 促進要因
  • 抑制要因
  • 機会
• ポーターのファイブフォースモデル
• バリューチェーン分析

第5章 世界の保険市場：タイプ別

• 概要
• 生命保険
• 損害保険
  • 健康保険
  • 自動車保険
  • 財産保険
  • 火災保険
  • 賠償責任保険
  • 海上保険
  • 農作物保険
  • その他

第6章 世界の保険市場：組織規模別

• 概要
• 中小企業
• 大企業

第7章 世界の保険市場：地域別

• 概要
• 北米
  • 米国
  • カナダ
  • メキシコ
• 欧州
  • ドイツ
  • 英国
  • フランス
  • その他欧州
• アジア太平洋
  • 中国
  • 日本
  • インド
  • その他アジア太平洋地域
• ラテンアメリカ
  • ブラジル
  • アルゼンチン
  • その他ラテンアメリカ
• 中東・アフリカ
  • アラブ首長国連邦
  • サウジアラビア
  • 南アフリカ
  • その他中東・アフリカ

第8章 世界の保険市場の競合情勢

• 概要
• 各社の市場ランキング
• 主な発展戦略

第9章 企業プロファイル

• American International Group
• Allianz SE
• AXA
• Berkshire Hathaway Inc.
• MetLife
• United Health Group
• Ping An Insurance
• Cigna
• Zurich Insurance Group Ltd
• AIA Group Limited

第10章 主な発展

• 製品上市／開発
• 合併と買収
• 事業拡大
• パートナーシップと提携

第11章 付録

• 関連調査

Insurance Market Size And Forecast

Insurance Market size was valued at USD 6,313.33 Billion in 2022 and is projected to reach USD 12,726.96 Billion by 2030, growing at a CAGR of 9.21% from 2024 to 2030. The growing global economy, coupled with urbanization, are some of the significant drivers of the insurance market. Rising disposable incomes in many countries enable more people to afford insurance coverage, while urbanization leads to increased exposure to risks, such as higher traffic density, property theft, and environmental hazards. Governments around the world also play a pivotal role in driving insurance market growth. Regulatory initiatives and incentives to promote insurance coverage create a favorable environment for insurers and encourage individuals and businesses to protect themselves against potential risks. The Global Insurance Market report provides a holistic evaluation of the market. The report offers a comprehensive analysis of key segments, trends, drivers, restraints, competitive landscape, and factors that are playing a substantial role in the market.

Global Insurance Market Definition

Insurance is a contract in which an individual or entity receives financial protection or reimbursement from an insurance firm in the form of a policy. The company pooled the risks of its clients to make payments more affordable to the insured. Insurance policies are used to protect against the risk of big and small financial losses resulting from damage to the insured's property or liability for damage or injury to a third party. There are many different types of insurance policies from which to choose, and almost anyone or any business can find an insurance company willing to insure them for a price.

Auto, health, homeowners, and life insurance are the most frequent forms of personal insurance policies. Car insurance is required by law in the United States, and most individuals have at least one of these forms of insurance. Insurance is the method of safeguarding from financial loss. It is in total the way of forecasting and evaluating the financial risks involves, with the solutions to minimize the effect. An insurer is an entity that provides the insurance and risk management measures such as deductibles, contractual requirements, premium credit incentives. Any type of insurance has three essential components (premium, policy limit, and deductible).

The premium is the cost of a policy, which is usually expressed as a monthly cost. The premium is determined by the insurer based on the risk profile of you or your business, which may include creditworthiness. The policy limit is the most an insurer will pay for a covered loss under a policy. Maximums could be established for a certain time period (e.g., annual or policy term), for a particular loss or injury, or for the whole policy term (also known as the lifetime maximum). The deductible is a pre-determined amount that the policyholder must pay before the insurance company will pay a claim. Deductibles act as a deterrent to submitting a large number of small claims.

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Global Insurance Market Overview

One of the primary factors driving market expansion is the growing number of insurance claims worldwide. The most popular insurance claims secured by consumers globally are auto, life, and home. The use of technology in insurance can lower the cost of goods, increase the profitability of firms, and enable access to new risk pools. To decrease human efforts, time, and costs, insurance companies have started integrating digital technologies into their traditional operations and daily workflows. As insurance industries in developing and emerging nations become more sophisticated, digital solutions are likely to percolate down through the insurance supply chain, improving operational efficiency and, ultimately, profitability, as is already happening in more established markets.

Rising disposable income in emerging countries leading to increased financial consciousness and a desire for long-term financial planning. Life insurance, in particular, gaining popularity as individuals seeking ways to protect their loved ones and secure their financial future. Additionally, life insurance products often come with investment components, such as savings or investment-linked insurance policies. These offerings provide an opportunity for policyholders to accumulate savings or participate in the growth of financial markets over time. Thus, with increasing disposable income and purchasing power in emerging creating numerous growth opportunities for the insurance market.

Regulatory compliance is a significant restraint that insurance companies face in the global market. As a highly regulated industry, insurers must navigate a complex web of laws, regulations, and supervisory frameworks across different jurisdictions. Compliance with these regulations is essential to ensure consumer protection, financial stability, and the overall integrity of the insurance sector. However, meeting regulatory requirements can be time-consuming, costly, and challenging, impacting various aspects of insurance operations.

Despite challenges, growing demand for cyber insurance is anticipated to offer various growth opportunities in the market over the forecast period. Cyber insurance products assist organizations to reduce the risk of cyber threat activity such as data breaches and cyberattacks. It protects firms from the costs of internet-based attacks on information governance, IT infrastructure, and information policy, which are frequently not covered by typical insurance products and commercial liability plans.

Global Insurance Market: Segmentation Analysis.

The Global Insurance Market is segmented based on Type, Organization Size, and Region.

Insurance Market, By Type

• Life Insurance
• Non-Life Insurance

Based on type, the market is segmented into life insurance and non-life insurance. The non-life insurance held the largest market share in 2022. Non-Life Insurance encompasses policies for property, auto, health, liability, and more, providing comprehensive protection against non-life-related risks. The demand for such coverage is driven by regulatory requirements, contractual obligations, economic activities, risk management needs, and affordability. Businesses and individuals alike seek insurance solutions to safeguard assets, ensure compliance, mitigate financial losses, and protect against unforeseen events, making Non-Life Insurance a preferred choice and enabling it to maintain the largest market share in 2022.

Insurance Market, By Organization Size

• Large Enterprises
• Small and Medium-sized Enterprises (SMEs)

Based on organization size, the market is segmented into large enterprises, and small and medium-sized enterprises (SMEs). The Large Enterprises held the largest market share in 2022. Large enterprises typically have higher risk exposure and complex operations, necessitating comprehensive insurance coverage to protect substantial assets and ensure business continuity. Their larger financial capacity allows them to invest more in insurance policies, and they often have contractual obligations and regulatory requirements that demand specific insurance coverage. Additionally, their global operations, employee benefit programs, and bargaining power with insurers contribute to their dominant position in the market. Overall, large enterprises' need for extensive insurance coverage and their ability to meet regulatory and contractual demands enable them to hold the largest market share in 2022.

Insurance Market, By Geography

• North America
• Europe
• The Asia Pacific
• Latin America
• Middle East and Africa
• On the basis of regional analysis, the global Insurance market is classified into North America, Europe, Asia Pacific, Latin America, and Middle East and Africa. Based on geography, North America accounted for the largest market share in 2022. North America boasts a robust and stable economy, making it an attractive region for insurance market growth. With steady GDP growth and relatively low unemployment rates, individuals and businesses in the region have increased financial security and confidence in their financial future. This economic stability translates into higher disposable income levels for consumers, allowing them to allocate more funds toward insurance coverage. Moreover, businesses with stable financial footing are more inclined to invest in comprehensive insurance policies to protect their assets, operations, and workforce. As a result, the insurance market in North America experiences a higher demand for a wide range of insurance products, including life insurance, health insurance, property insurance, liability insurance, and more.

Key Players

• The "Global Insurance Market" study report will provide valuable insight with an emphasis on the global market. The Global Insurance Market is highly fragmented with the presence of a few well-established players and several medium players. Some of the major companies include
• American International Group, AIA Group Limited, Allianz SE, AXA, Berkshire Hathaway, MetLife, United Health Group, Ping An Insurance, Cigna, and Zurich Insurance Group Ltd among others.

Key Developments

• In February 2022, AIA Group Limited announced that it has established a new Pan-Asian Health InsurTech business called 'Amplify Health', encompassing a joint venture entity with Discovery Group Limited ("Discovery") for Asia excluding Mainland China, Hong Kong and Macau and a separate entity wholly owned by AIA for these three markets.
• In July 2023, AXA announced that it has completed the acquisition of Groupe Assurances du Credit Mutuel Espana ("GACM Espana"). Under the terms of the transaction, AXA has acquired GACM Espana for a total cash consideration of Euro 310 million, in line with the announcement made upon signing of the agreement.

TABLE OF CONTENTS

1 INTRODUCTION OF THE GLOBAL INSURANCE MARKET

• 1.1 Overview of the Market
• 1.2 Scope of Report
• 1.3 Assumptions

2 EXECUTIVE SUMMARY

3 RESEARCH METHODOLOGY OF VERIFIED MARKET RESEARCH

• 3.1 Data Mining
• 3.2 Validation
• 3.3 Primary Interviews
• 3.4 List of Data Sources

4 GLOBAL INSURANCE MARKET OUTLOOK

• 4.1 Overview
• 4.2 Market Dynamics
  • 4.2.1 Drivers
  • 4.2.2 Restraints
  • 4.2.3 Opportunities
• 4.3 Porters Five Force Model
• 4.4 Value Chain Analysis

5 GLOBAL INSURANCE MARKET, BY TYPE

• 5.1 Overview
• 5.2 Life Insurance
• 5.3 Non-Life Insurance
  • 5.3.1 Health Insurance
  • 5.3.2 Motors Insurance
  • 5.3.3 Property Insurance
  • 5.3.4 Fire Insurance
  • 5.3.5 General Liability Insurance
  • 5.3.6 Marine Insurance
  • 5.3.7 Crop Insurance
  • 5.3.8 Others

6 GLOBAL INSURANCE MARKET BY ORGANIZATION SIZE

• 6.1 Overview
• 6.2 SMEs
• 6.3 Large Enterprises

7 GLOBAL INSURANCE MARKET, BY GEOGRAPHY

• 7.1 Overview
• 7.2 North America
  • 7.2.1 U.S.
  • 7.2.2 Canada
  • 7.2.3 Mexico
• 7.3 Europe
  • 7.3.1 Germany
  • 7.3.2 U.K.
  • 7.3.3 France
  • 7.3.4 Rest of Europe
• 7.4 Asia Pacific
  • 7.4.1 China
  • 7.4.2 Japan
  • 7.4.3 India
  • 7.4.4 Rest of Asia Pacific
• 7.5 Latin America
  • 7.5.1 Brazil
  • 7.5.2 Argentina
  • 7.5.3 Rest of Latin America
• 7.6 Middle East and Africa
  • 7.6.1 UAE
  • 7.6.2 Saudi Arabia
  • 7.6.3 South Africa
  • 7.6.4 Rest of MEA

8 GLOBAL INSURANCE MARKET COMPETITIVE LANDSCAPE

• 8.1 Overview
• 8.2 Company Market Ranking
• 8.3 Key Development Strategies

9 COMPANY PROFILES

• 9.1 American International Group
  • 9.1.1 Overview
  • 9.1.2 Financial Performance
  • 9.1.3 Product Outlook
  • 9.1.4 Key Developments
• 9.2 Allianz SE
  • 9.2.1 Overview
  • 9.2.2 Financial Performance
  • 9.2.3 Product Outlook
  • 9.2.4 Key Developments
• 9.3 AXA
  • 9.3.1 Overview
  • 9.3.2 Financial Performance
  • 9.3.3 Product Outlook
  • 9.3.4 Key Developments
• 9.4 Berkshire Hathaway Inc.
  • 9.4.1 Overview
  • 9.4.2 Financial Performance
  • 9.4.3 Product Outlook
  • 9.4.4 Key Developments
• 9.5 MetLife
  • 9.5.1 Overview
  • 9.5.2 Financial Performance
  • 9.5.3 Product Outlook
  • 9.5.4 Key Developments
• 9.6 United Health Group
  • 9.6.1 Overview
  • 9.6.2 Financial Performance
  • 9.6.3 Product Outlook
  • 9.6.4 Key Development
• 9.7 Ping An Insurance
  • 9.7.1 Overview
  • 9.7.2 Financial Performance
  • 9.7.3 Product Outlook
  • 9.7.4 Key Developments
• 9.8 Cigna
  • 9.8.1 Overview
  • 9.8.2 Financial Performance
  • 9.8.3 Product Outlook
  • 9.8.4 Key Developments
• 9.9 Zurich Insurance Group Ltd
  • 9.9.1 Overview
  • 9.9.2 Financial Performance
  • 9.9.3 Product Outlook
  • 9.9.4 Key Developments
• 9.10 AIA Group Limited
  • 9.10.1 Overview
  • 9.10.2 Financial Performance
  • 9.10.3 Product Outlook
  • 9.10.4 Key Developments

10 KEY DEVELOPMENTS

• 10.1 Product Launches/Developments
• 10.2 Mergers and Acquisitions
• 10.3 Business Expansions
• 10.4 Partnerships and Collaborations

11 Appendix

• 11.1 Related Research