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市场调查报告书
商品编码
1884049
个人健康保险市场规模、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)Individual Health Insurance Market Size, Share, Growth and Global Industry Analysis By Type & Application, Regional Insights and Forecast to 2024-2032 |
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随着慢性病发病率上升、医疗保健支出增加以及人们对客製化保险计划的需求日益增长,全球个人健康保险市场持续快速扩张,促使个人选择私人和公共保险方案。根据最新的产业数据,预计该市场规模在 2024 年将达到 6.545 亿美元,2025 年将成长至 7.13 亿美元,到 2032 年将达到 13.988 亿美元,预测期内复合年增长率高达 10.1%。这种稳定成长反映出个人越来越愿意投资于个人化的健康保险解决方案,以应对不断上涨的医疗费用。
2024年,北美以67.2%的显着市场占有率引领全球市场,这主要得益于不断增长的医疗保健支出、先进的保险基础设施以及个人保险计划的高渗透率。该地区拥有成熟的保险生态系统和支持性的监管框架,使其成为市场收入的最大贡献者。
市场动态
市场驱动因素
慢性病负担日益恶化
癌症、心血管疾病、糖尿病和神经系统疾病等长期疾病的盛行率不断上升,促使住院和医疗程序显着增加。人口老化加剧了这项负担。根据美国疾病管制与预防中心 (CDC) 的数据,2022 年至 2023 年间,美国报告了 3,670 万例新增癌症病例。慢性病需要定期检查、化验、服药和手术,这推动了市场需求,因为人们寻求财务保障并增加了保险购买。
医疗成本不断上涨
全球医疗保健成本持续上涨。根据美国医疗保险和医疗补助服务中心 (CMS) 的数据,到 2024 年,美国人均医疗保健支出将达到 14,570 美元,这将进一步增加对提供全面保障的私人医疗保险计划的需求。联合健康集团 (UnitedHealth Group) 和信诺健康保险 (Cigna Healthcare) 等保险公司正在迅速推出针对不同人群量身定制的新计划,进一步刺激了市场渗透。
市场限制因子
保费上涨
儘管需求不断增长,但高昂的保费仍然是一个主要障碍。医疗保健成本和理赔数量的持续上涨推高了保费。在许多发展中地区,保费负担能力仍然是一个挑战,限制了保险的普及。截至2020年,巴西只有23%的人拥有私人医疗保险。新兴国家对保险福利的认知度较低也阻碍了市场渗透。
市场机会
转型为以客户为中心的保险模式
健康保险公司正在扩展其个人化保险产品,以满足消费者多样化的需求。这些产品包括针对特定年龄、疾病和地理的保险计划。 2025年6月,Bajaj Allianz General Insurance推出了针对特定州的健康保险产品,以满足当地的医疗需求和治疗费用。此类策略提高了客户满意度并提升了客户留存率。
数位转型与保险科技的成长
人工智慧、自动化和远距医疗整合等技术驱动的创新正在改变保险业。人工智慧有助于诈欺检测、理赔自动化和个人化保险政策推荐。例如,Future Generali India Life Insurance 于 2025 年 4 月推出了一款人工智慧平台,该平台可根据个人健康需求协助确定准确的保险覆盖范围。
市场挑战
网路安全与资料隐私问题
健康保险领域大数据应用的日益广泛,也增加了网路攻击的风险。 2021 年至 2023 年,中国共报告了 1,213 起健康保险诈欺案件,反映出资料滥用和诈欺相关风险的严重性。部分地区缺乏强而有力的反诈欺法律,进一步削弱了消费者的信任。
按类型
在低保费和广泛覆盖的推动下,健康维护组织 (HMO) 计划将于 2024 年成为主流。 Leadway Health HMO 于 2024 年 12 月推出了一项国际计划,保额上限为 200 万美元,进一步促进了 HMO 计划的普及。
由于对灵活网路的需求不断增长,预计优选医疗机构 (PPO) 计划将稳步增长。
依支付方划分
根据美国人口普查局的数据,到 2024 年,私人保险市场将占主导地位,届时将有 65.4% 的美国人拥有私人保险。
随着政府保险计画的扩展,预计公共保险的投保人数将会增加。
依模式划分
到 2024 年,离线通路将凭藉其个人化服务和高可靠性占主导地位,届时美国将有 927,600 名持牌经纪人和代理人。同时,线上通路因其便利性和透明度而持续成长。
依通路划分
代理通路占市场主导地位,全国拥有 902,500 名持证代理人,他们在保险单分销中发挥关键作用。
北美
北美将在 2024 年以 4.398 亿美元的市场规模引领市场。这得益于该地区较高的保险覆盖率(到 2024 年,92% 的美国居民将拥有健康保险)。持续的产品创新进一步巩固了该地区的优势。
欧洲
由于慢性病盛行率上升和政府政策的强大支持,预计欧洲市场将保持稳定成长。例如,到 2025 年,英国将有 640 万人患有心臟病。
亚太地区
由于医疗保健成本上升和人口老化,预计亚太地区将实现最快成长。光是中国就有2.97亿60岁以上的人口。
拉丁美洲、中东和非洲
人们健康意识的提高、医疗保健成本的上升以及新的监管举措正在推动这些地区的成长。
The global individual health insurance market continues to expand rapidly as rising chronic diseases, increasing healthcare expenditures, and growing awareness of customized insurance plans push individuals toward private and public coverage options. According to the latest industry data, the market was valued at USD 654.5 million in 2024, is projected to grow to USD 713.0 million in 2025, and is expected to reach USD 1,398.8 million by 2032, exhibiting a strong CAGR of 10.1% during the forecast period. This steady growth reflects a rising willingness among individuals to invest in personalized health insurance solutions that protect them against escalating medical expenses.
In 2024, North America dominated the global market, holding a significant 67.2% share, driven by increasing healthcare spending, advanced insurance infrastructure, and a high adoption rate of individual plans. The region benefits from mature insurance ecosystems and supportive regulatory frameworks, making it the largest contributor to market revenue.
Market Dynamics
Market Drivers
Growing Burden of Chronic Diseases
The rising prevalence of long-term illnesses such as cancer, cardiovascular diseases, diabetes, and neurological conditions has significantly increased hospital visits and medical procedures. The growing geriatric population further intensifies this burden. As per the CDC, 36.7 million new cancer cases were reported in the U.S. from 2022 to 2023. As chronic diseases require regular consultations, tests, medications, and surgeries, individuals increasingly seek insurance for financial protection, driving market demand.
Rising Healthcare Expenditure
The cost of medical care continues to rise globally. According to the Centers for Medicare & Medicaid Services (CMS), U.S. healthcare expenditure reached USD 14,570 per person in 2024, strengthening the need for private health insurance plans that offer extensive coverage. Insurance providers such as UnitedHealth Group and Cigna Healthcare are rapidly introducing new plans tailored for various demographics, further boosting market adoption.
Market Restraints
Increasing Premium Costs
Despite rising demand, high insurance premiums remain a key barrier. Premiums continue to rise due to growing healthcare costs and increased claim volumes. In many developing regions, affordability is a challenge-only 23% of individuals in Brazil held private health insurance in 2020, limiting adoption. Limited awareness of insurance benefits in emerging countries also restricts market penetration.
Market Opportunities
Shift Toward Customer-Centric Insurance Models
Health insurers are increasingly adopting personalized insurance offerings to meet diverse consumer needs. These include age-specific, disease-specific, or region-specific plans. In June 2025, Bajaj Allianz General Insurance launched a state-wise health insurance policy, tailored to localized medical needs and treatment costs. Such strategies enhance customer satisfaction and improve retention rates.
Digital Transformation & Insurtech Growth
Technology-driven innovations-AI, automation, and telehealth integration-are transforming the industry. AI helps detect fraud, automate claims, and personalize policy recommendations. For example, in April 2025, Future Generali India Life Insurance launched an AI platform that helps customers determine accurate coverage levels based on individual health needs.
Market Challenges
Cybersecurity & Data Privacy Concerns
The increasing use of big data in health insurance heightens the risk of cyberattacks. Between 2021 and 2023, 1,213 cases of health insurance fraud were reported in China, reflecting the severity of data misuse and fraud-related risks. Lack of strong anti-insurance fraud laws in several regions further hinders consumer trust.
By Type
Health Maintenance Organization (HMO) plans dominated in 2024, supported by lower premiums and broader coverage. Leadway Health HMO launched an international plan in December 2024 with coverage up to USD 2.0 million, boosting adoption.
Preferred Provider Organization (PPO) plans are projected to grow steadily due to increasing preference for flexible networks.
By Payor
The private insurance segment led in 2024 as 65.4% of U.S. individuals were covered under private insurance, according to the U.S. Census Bureau.
Public plans are also expected to rise as governments expand coverage schemes.
By Mode
The offline segment dominated in 2024 due to personalized services and higher trust, with 927,600 licensed brokers and agencies operating in the U.S. The online segment is growing due to convenience and transparency.
By Distribution Channel
The agents segment led the market with 902,500 licensed agents in the U.S. playing a key role in policy distribution.
North America
North America led with USD 439.8 million in 2024, backed by high insurance coverage-92% of U.S. residents had health insurance in 2024. Constant product innovation continues to strengthen regional dominance.
Europe
Increasing chronic disease burden and strong government initiatives promote steady growth. For instance, 6.4 million people in the U.K. were living with heart disease in 2025.
Asia Pacific
The region is set to experience the fastest growth, driven by rising healthcare costs and significant aging populations-China alone has 297 million people aged 60+.
Latin America & Middle East-Africa
Growing awareness, rising healthcare spending, and new regulatory measures support growth across these regions.
Conclusion
From USD 654.5 million in 2024 to USD 713.0 million in 2025, and projected to reach USD 1,398.8 million by 2032, the global individual health insurance market is expanding rapidly. Increasing chronic disease burden, technological innovation, and demand for personalized insurance solutions will continue shaping the industry's future.
Segmentation By Type
By Payor
By Mode
By Distribution Channel
By Region