![]() |
市场调查报告书
商品编码
1615168
小额保险的全球市场的评估:各类型,各年龄层,各产品类型,供应商,各流通管道,模式,各终端用户,各地区,机会,预测(2018年~2032年)Microinsurance Market Assessment, By Type, By Age Group, By Product Type, By Provider, By Distribution Channel, By Model, By End-user, By Region, Opportunities and Forecast, 2018-2032F |
全球小额保险市场规模预计将从 2024 年的 822 亿美元增至 2032 年的 1,277.9 亿美元,在 2025 年至 2032 年的预测期内复合年增长率为 5.67%。由于多方面的原因,市场正在快速成长。背后的主要因素之一是人们日益关注普惠金融,其目的是将更多弱势群体纳入金融体系。另一个推动因素是行动平台、大数据分析和人工智慧等技术进步,这些技术进步使产品更易于使用和高效。政府政策和监管支持以激励和支持框架的形式透过提高金融包容性和提高透明度来加强市场。提高认识计划向公众宣传保险的好处,从而提高保险的接受率。经济成长,尤其是亚太地区的经济成长,推动了市场成长。小额保险提供者与当地组织之间的合作伙伴关係扩大了覆盖范围,并且根据特定需求客製化产品吸引了更多客户。此外,向低收入群体提供金融服务的需求不断增加,市场的教育程度和认知度也不断提高。小额保险的推动因素包括农业气候风险覆盖范围的扩大、医疗费用高昂以及慢性病患者比例的增加。
小额保险是为低收入个人和家庭量身订做的保险,以满足他们的需求和财务限制。我们为各种风险提供负担得起的保险费,包括健康保险、人寿保险、财产保险和农业保险。这就是为什么小额保险对于扩大金融包容性、让弱势群体在面对衝击和不可预见事件时更具復原力如此重要。 2024 年 8 月,总部位于南非的 Hollard Insurance Company 计划重新定位其品牌。我们的新活动 "为您的不确定提供保险" 旨在揭开保险概念的神秘面纱,使其更容易获得和积极。 Hollard 与 Tokio Marine 合作,透过 Hollard International (HINT) 全面涵盖撒哈拉以南非洲 10 个市场。
本报告提供全球小额保险市场相关调查分析,提供市场规模与预测,市场动态,主要企业的形势等资讯。
Global microinsurance market is projected to witness a CAGR of 5.67% during the forecast period 2025-2032, growing from USD 82.20 billion in 2024 to USD 127.79 billion in 2032. The global microinsurance market is rapidly growing due to multifaceted reasons. One big driver has been the greater focus on financial inclusion towards bringing more underprivileged populations into the financial system. Another driver is technological advancement, comprising mobile platforms, big data analytics, and artificial intelligence, which have made this product much more accessible as well as efficient. Government policies and regulatory support in the form of incentives and supportive frameworks strengthen the market by enhancing financial inclusion and promoting transparency. Increasing awareness programs enlighten the public on the benefits of insurance, which in turn increases uptake. Economic growth, especially in Asia-Pacific, drives market growth. Partnerships between microinsurance providers and local organizations improve outreach, while product customization to meet specific needs attracts more customers. In addition, there is a demand to provide more financial services to the low-income segments, where education and awareness are on the rise in markets. Microinsurance is driven by a rise in climate-risk coverage in agriculture, high healthcare expenditures, and a growing proportion of chronic disease patients.
Microinsurance is tailored insurance coverage for low-income earners and families, addressing their needs and financial limitations. It provides affordable premiums on various risks, such as health, life, property, and agriculture. That is the reason why microinsurance is so important in broadening financial inclusion and making vulnerable populations more resilient in the face of shocks or unforeseen events. In August 2024, South Africa-based Hollard Insurance Company is planning to reposition its brand. The new campaign, "Insure your unsure," attempts to demystify the idea of insurance and has been rendered more accessible and positive. Hollard continues to have comprehensive reach through Hollard International, or HINT, for ten markets in sub-Saharan Africa in association with Tokio Marine.
Widening the Access to Financial Solutions Drive Market Growth
The most significant driver for the microinsurance market's growth is efforts to widen access to financial solutions. By expanding the scope of coverage in financial services, some low-income people and families can attain coverage in insurance that was previously outside reach. Through technological improvements like mobile and digital platforms, financial services are now much more accessible and efficient. Government initiatives and facilitative regulatory structures enhance access to such an extent that financial inclusion occurs, and the vulnerable section is protected from unforeseen risks. In addition, increasing educational and awareness campaigns for the low-income group would make them aware of the microinsurance benefits and prompt them to seek these financial services.
The summary of all such efforts is broadening access to financial solutions and hence contributing to the steady growth and development of the global microinsurance market, where it ensures more people can secure their financial future and improve their quality of life. In April 2023, American International Group, a US-based insurance company, announced that it has completed its agreement with Stone Point Capital LLC, a leading private equity firm focused on investing in businesses within the global financial services industry, to form Private Client Select Insurance Services (PCS), an independent Managing General Agency (MGA) serving High Net Worth and Ultra High Net Worth markets.
Technological Advancements to Drive Market Growth
Technological advances are likely to spur growth in the microinsurance market significantly. Mobile platforms, big data analytics, and artificial intelligence are some innovations that have transformed how microinsurance is accessed and managed. Mobile technology has been helpful in reaching remote and underserved populations, enabling them to enroll, pay premiums, and file claims on their phones. Big data analytics give an insurer an understanding of their customers' needs. Big data analytics allow insurance companies to tailor product offerings and smoothen the claims processing mechanism. Artificial intelligence empowers customer service with chatbots and personalized recommendations, resulting in better customer experience.
Digital platforms also empower microinsurance product distribution without having to increase operational costs. These technological advances, therefore improving access and affordability in microinsurance, contribute to increasing trust and transparency in the insurance process. This integration of technology into microinsurance will, thus, be the reason to speed up the growth rate of the market, reaching millions of low-income households worldwide with financial protection. In November 2024, MIC Global (MIC), a New York-based embedded micro-insurance company, announced that it is partnering with VOOM Insurance, an InsurTech company, to provide reinsurance to its rideshare business. This partnership is timely and aligns perfectly with MIC's mobility book, underscoring its commitment to supporting innovative solutions for the future of mobility.
Life Insurance Segment to Dominate the Microinsurance Market
Considering several key factors, the life insurance segment will lead the microinsurance market. Life insurance provides essential financial protection for low-income families and ensures that dependents are protected in case of the death of the policyholder. It is highly attractive in regions characterized by high mortality rates and limited access to social safety nets. Life insurance products are also more transparent and less complicated than other insurance products, so they are accessible to people with low financial literacy. The increasing trend of insurers customizing life insurance products to the specific needs and affordability constraints of low-income populations also drives demand. The focus on providing financial stability and peace of mind to the policyholder's family, coupled with targeted awareness and education campaigns, has been a major drive in enhancing the uptake of life insurance in the microinsurance sector. In June 2024, Zurich Insurance Group Limited acquired a 70% stake in Kotak General Insurance as the first foreign insurer in India since the FDI rules were amended in 2021 to allow up to 74% foreign ownership. Zurich and Kotak would combine to form the top general insurance company in the country by combining the global insurance experience and scale of Zurich with the knowledge of the local market and the extensive reach of Kotak.
Asia-Pacific Dominates the Microinsurance Market
Several factors contribute to the emergence of Asia-Pacific as a dominant force in the microinsurance market. The region has a dense population and significant economic inequality, thereby creating a high potential customer base for microinsurance. Governments in the region are increasingly supportive, thus framing policies aimed at ensuring financial inclusion for lower-income and protection. Another reason is that technological, mobile, and digital platforms have become more easily accessible to remote and underserved areas. Insurers continue to form partnerships with local groups and explore innovative distribution channels through which to reach the population. Economic growth in the region furthers the microinsurance market as improving incomes allow more people to buy insurance. Awareness and education campaigns play a critical role in educating the public about the benefits of microinsurance, further driving market growth. As a result, Asia-Pacific continues to lead the way in the global microinsurance sector, providing financial security to millions of low-income families. In October 2023, Bharti AXA Life Insurance Company agreed to take on the venture partner in this regard and tied up in a binding agreement with AXA for their 49% stake in the company. This transaction will lead to ownership of a 100% stake in the company.
Future Market Scenario (2025 - 2032F)
Mobile platforms, big data analytics, and artificial intelligence are going to increase accessibility and efficiency.
More awareness about insurance benefits will result in increased adoption rates.
Increasing demand for climate-related risks microinsurance products, which is particularly significant in agriculture, will boost the market.
Increased demand for innovative microinsurance solutions, like parametric insurance, will result in more customers.
Key Players Landscape and Outlook
In the competitive landscape of the microinsurance market, dominant players maintain their position through the strategic launch of new products along with continuous innovation. Thus, they introduce new and more tailored insurance solutions that fit the specific needs of the low-income population, therefore expanding their market reach and customer base. These companies also fortify their market positions through strategic acquisitions, which allow them to integrate complementary products, expand their geographical presence, and leverage new technologies. Through constant fine-tuning of their product offerings and embracing the advancement of technology, dominant players ensure that they do not fall behind in competition. This proactive approach further strengthens their market presence while positioning them as pioneers in the field of microinsurance. In addition, these companies emphasize strong customer relationships and trust through transparent practices and reliable service. Their commitment to innovation and strategic growth initiatives underscores their leadership in the microinsurance market, driving industry advancements and contributing to the overall expansion and success of the sector.
In September 2023, Turaco Inc., Africa's tech-enabled affordable insurance company announced the acquisition of MicroEnsure Ghana from MIC Global, a pioneer in microinsurance. As a result of the deal, MicroEnsure will rebrand as Turaco Ghana, while maintaining the expertise of its current team and leadership. This acquisition aligns with Turaco's long-term vision to deliver straightforward and accessible insurance to 1 billion people.
All segments will be provided for all regions and countries covered
Companies mentioned above DO NOT hold any order as per market share and can be changed as per information available during research work.