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市场调查报告书
商品编码
1883040
团体健康保险市场规模、占有率、成长及全球产业分析:按类型、应用和地区划分的洞察与预测(2024-2032 年)Group Health Insurance Market Size, Share, Growth and Global Industry Analysis By Type & Application, Regional Insights and Forecast to 2024-2032 |
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随着雇主日益关注员工健康、医疗保健成本上升推动保险投保人数增加以及慢性病负担日益加重,全球团体健康保险市场持续快速增长。根据最新数据,受员工对价格合理的保险需求不断增长以及住院率上升的推动,该市场在 2024 年的估值将达到 14.8 亿美元。预计到 2025 年,该市场将成长至 16.1 亿美元,主要得益于各组织机构团体保险参保人数的成长。预计到 2032 年,该市场将达到 30.5 亿美元,反映出市场正大力转向数位化保险平台、个人化计画和预防性照护计画。
市场概览
团体健康保险为员工提供统一的医疗保障计划。雇主们越来越意识到,健康保险对于提高生产力、留住人才和减少缺勤至关重要。包括癌症、心血管疾病和泌尿系统疾病在内的慢性病盛行率不断上升,进一步推动了该产业的发展。
2024年,北美以60.14%的市占率占据主导地位,创造了8.9亿美元的收入。这得益于其完善的医疗保健基础设施、较高的保险渗透率以及联合健康集团(UnitedHealth Group)、Elevance Health、CVS Health和信诺医疗(Cigna Healthcare)等主要参与者的存在。该地区不断增长的医疗保健支出和健全的监管框架将继续推动市场成长。
市场动态
市场驱动因素
市场扩张的主要驱动因素是慢性病盛行率的上升,这推高了对高成本治疗保险的需求。根据世界卫生组织(WHO)预测,2022年将新增2,000万例癌症病例,这将导致全球保险索赔的增加。雇主们也正在透过提供包含预防保健和心理健康支持的综合团体保险计划来加强员工保留策略。
2023年1月,泰森食品公司投资2000万美元,用于加强员工心理健康和福祉支持,这表明雇主们对综合医疗保健的日益重视。
市场限制因子
在印度、巴西和印尼等发展中国家,人们的健康意识仍然较低,这继续限制了保险的普及。高昂的保费和较低的金融知识水准进一步阻碍了保险的普及。根据美国国家生物技术资讯中心(NCBI)2023年的数据,印度只有25%的人拥有健康保险。
市场机会
可支配收入的成长和医疗保健支出的扩大,尤其是在新兴经济体,带来了巨大的机会。预计到2023年,中国人均可支配收入将达到5,543.2美元,成长6.3%,证实了对健康保险产品的潜在需求。随着金融素养的提高,保险公司可以将产品拓展到尚未开发的庞大客户群。
市场挑战
人们对资料隐私和网路攻击日益增长的担忧可能会降低对数位保险平台的信任度。根据美国退休人员协会 (AARP) 统计,美国每年因保险诈欺造成的损失高达 3,086 亿美元,凸显了加强资料保护措施的紧迫感。
按类型
2024 年,健康维护组织 (HMO) 凭藉其成本效益和对预防性护理的关注,引领市场。由于雇主对客製化保险的需求不断增长,预计雇主专属保险 (EPO) 计画将保持稳定成长。
按产品
2024 年,为员工提供全额保险且无需额外费用的非缴费型计画引领市场,有助于提高员工留存率和投保率。
按支付方
2024年,由于更完善的保险覆盖范围、高品质的医疗服务以及保险公司的强大影响力,私人保险市场占据主导地位。 2025年,澳洲有1500万人拥有私人医疗保险。
依参保方式
由于面对面个人指导和咨询的优势,线下参保方式占据主导地位。然而,线上平台正在迅速扩张,预计到 2024 年,64% 的澳洲人将更倾向于在线上购买保险。
依销售管道划分
代理通路在 2024 年占最大占有率。到 2024 年,美国将拥有 902,500 名活跃的保险代理人,这将支持保单的广泛分销。
北美
在强大的报销体系、先进的数位平台以及雇主赞助的团体保险计划的高普及率的推动下,预计该市场在 2024 年将创造 8.9 亿美元的收入。
欧洲
由于人口老化、数位转型以及人们对团体保险益处的认识不断提高,预计将实现显着增长。
亚太地区
由于慢性病患病率上升、医疗保健覆盖范围扩大以及…,预计亚太地区将实现最快增长。个人化需求日益增长(88%的印度消费者更倾向于个人化保险)。
拉丁美洲、中东和非洲
成长的驱动因素包括医疗基础设施的改善、宣传活动的开展以及雇主提供的保险计划覆盖范围的扩大。
The global group health insurance market continues to expand rapidly as employers increase their focus on employee well-being, rising healthcare costs drive stronger insurance adoption, and the burden of chronic diseases intensifies globally. According to the latest data, the market was valued at USD 1.48 billion in 2024, supported by rising demand for affordable employee coverage and higher hospitalization rates. The market is projected to grow to USD 1.61 billion in 2025 driven by the increasing number of group policy enrollments across corporate organizations. By 2032, the market value is expected to reach USD 3.05 billion, reflecting a strong shift toward digital insurance platforms, personalized plans, and preventive care programs.
Market Overview
Group health insurance provides medical coverage to employees under a single organizational plan. Employers increasingly view health insurance as essential for enhancing productivity, retaining talent, and reducing absenteeism. The industry is further shaped by rising chronic disease prevalence, including cancer, cardiovascular disorders, and urological conditions.
In 2024, North America dominated the market with a 60.14% share and generated USD 0.89 billion, supported by robust healthcare infrastructure, high insurance penetration, and the presence of leading companies such as UnitedHealth Group, Elevance Health, CVS Health, and Cigna Healthcare. The region's increasing healthcare expenditure and strong regulatory framework continue to fuel growth.
Market Dynamics
Market Drivers
A key factor driving market expansion is the growing prevalence of chronic disorders, which increases the need for insurance coverage for expensive treatments. According to the World Health Organization, 20 million new cancer cases were recorded in 2022, contributing to higher claim volumes globally. Employers are also strengthening employee retention initiatives by offering comprehensive group insurance plans, including preventive care coverage and mental health support.
In January 2023, Tyson Foods invested USD 20 million to enhance mental health and wellness benefits for employees, demonstrating the rising employer commitment to holistic healthcare.
Market Restraints
Limited awareness in developing countries such as India, Brazil, and Indonesia continues to restrict insurance penetration. High premium rates and low financial literacy further reduce adoption. According to 2023 NCBI data, only 25% of individuals in India are covered by health insurance.
Market Opportunities
Rising disposable income and growing healthcare expenditure-especially in emerging economies-present a major opportunity. In 2023, China's per capita disposable income reached USD 5,543.2, marking a 6.3% increase and reinforcing potential demand for health insurance products. As financial literacy improves, insurers can expand offerings across large, untapped populations.
Market Challenges
Growing concerns regarding data privacy and cyberattacks may reduce trust in digital insurance platforms. According to the AARP, insurance fraud results in USD 308.6 billion in losses annually in the U.S., highlighting the critical need for stronger data protection measures.
By Type
The Health Maintenance Organization (HMO) segment dominated in 2024 due to its cost-effectiveness and focus on preventive healthcare. EPO plans are expected to grow steadily with rising demand for customized employer-focused policies.
By Product
Non-contributory plans led the market in 2024 as they offer employees full coverage at no additional cost, enhancing retention and policy penetration.
By Payor
The private segment dominated in 2024 due to better coverage options, higher quality of care, and strong insurer presence. In Australia, 15 million individuals were covered under private insurance in 2025.
By Mode
The offline mode dominated due to personalized guidance and face-to-face consultation benefits. However, online platforms are expanding rapidly as 64% of Australians preferred online insurance in 2024.
By Distribution Channel
The agents segment held the largest share in 2024. In the U.S., 902,500 insurance agents were active in 2024, supporting widespread policy distribution.
North America
Generated USD 0.89 billion in 2024, driven by strong reimbursement systems, advanced digital platforms, and high employer adoption of group insurance plans.
Europe
Expected to grow at a considerable rate due to an aging population, digital transformation, and rising awareness of group insurance benefits.
Asia Pacific
Anticipated to grow fastest, driven by rising chronic disease prevalence, expanding healthcare access, and increased personalization demand-88% of Indian consumers prefer personalized insurance.
Latin America & Middle East/Africa
Growth is fueled by rising healthcare infrastructure development, awareness programs, and increasing access to employer-sponsored plans.
Conclusion
With the market rising from USD 1.48 billion in 2024 to a projected USD 3.05 billion by 2032, the group health insurance industry is set to expand significantly. Rising healthcare costs, digital transformation, and employer-driven wellness initiatives will continue to shape market growth globally.
Segmentation
By Type
By Product
By Payor
By Mode
By Distribution Channel
By Region