全球保险市场规模（按类型、组织规模、地区、范围和预测）

保险市场规模及预测

2022 年保险市场规模价值为 63,133.3 亿美元，预计到 2030 年将达到 127,269.6 亿美元，2024 年至 2030 年的复合年增长率为 9.21%。全球经济成长和城市化是保险市场的主要驱动力之一。许多国家的可支配收入不断提高，意味着更多的人能够负担得起保险，但城市化也增加了交通密度增加、财产盗窃和环境危害等风险的暴露程度。世界各国政府在刺激保险市场成长方面也扮演着至关重要的角色。监管力度和激励措施旨在促进保险覆盖面，为保险公司创造有利环境，鼓励个人和企业保护自己免受潜在风险的影响。本报告对全球保险市场进行了全面的评估。它对关键细分市场、趋势、市场推动因素、阻碍因素、竞争格局以及在市场中发挥关键作用的因素进行了全面分析。

定义全球保险市场

保险是个人或实体以保险单的形式从保险公司获得财务保护或报销的合约。保险公司将客户的风险集中起来，让投保人更负担得起保费。保险单用于防范因被保险人的财产损失或对第三人造成损害或伤害的责任而产生大额或小额财务损失的风险。有许多类型的保险单可供选择，几乎任何人或任何企业都可以找到一家以一定价格为他们提供保险的保险公司。

汽车保险、健康保险、房屋保险和人寿保险是最常见的人身保险形式。美国法律规定必须购买汽车保险，大多数人都至少拥有其中一种保险。保险是保护自己免受财务损失的一种方法。保险是关于预测和评估金融风险并提供解决方案以尽量减少其影响。保险公司是提供保险和风险管理措施（例如免赔额、合约要求和保费信用优惠）的实体。任何类型的保险都有三个主要组成部分：保费、保单限额和免赔额。

保费是保险单的成本，通常以每月费用表示。保费由保险公司根据您和您的企业的风险状况（例如信用度）来决定。保险限额是保险公司根据保险合约支付承保损失的最高金额。可以针对特定时间段（例如，年度或保单期限）、特定损失或伤害或整个保单期限（也称为终身最高限额）设立最高限额。免赔额是保险公司支付索赔之前保单持有人必须支付的预定金额。免赔额可以起到阻止提起许多小额索赔的作用。

全球保险市场概览

推动市场扩张的主要因素之一是全球保险索赔数量的增加。全球消费者最常见的保险索赔是汽车、人寿和家庭保险。在保险领域利用科技可以降低产品成本、提高公司获利能力并提供进入新风险池的机会。为了减少人力、时间和成本，保险公司已经开始将数位技术融入其传统营运和日常工作流程中。随着发展中国家和新兴国家的保险业变得更加复杂，数位解决方案可能会渗透到保险供应链中，从而提高营运效率和获利能力。

新兴国家可支配收入的提高将提高人们的金融意识和长期财务规划的愿望。人寿保险越来越受到那些寻求保护亲人和确保财务未来安全的人的欢迎。此外，人寿保险产品往往包含投资元素，例如储蓄保险或投资连结保险。这些产品为保单持有人提供了长期累积储蓄和参与金融市场成长的机会。因此，新兴国家可支配收入和购买力的提高为保险市场创造了大量成长机会。

监理合规是保险公司在全球市场面临的一个主要因素。作为受到严格监管的行业，保险公司必须遵守不同司法管辖区的复杂法律、法规和监管制度。遵守这些法规对于确保消费者保护、金融稳定和保险业的整体健康至关重要。然而，满足监管要求非常耗时、耗费成本，并且会影响保险业务的许多方面。

儘管面临课题，但预测期内对网路保险的不断增长的需求预计将为市场提供各种增长机会。网路保险产品有助于组织减轻资料外洩和网路攻击等网路威胁活动的风险。它可以保护企业免受网路对资讯治理、IT基础设施和资讯政策的攻击所造成的损失，而这些攻击通常不在典型的保险政策或商业责任计划的覆盖范围内。

目录

第1章：全球保险市场简介

• 市场概况
• 调查范围
• 先决条件

第 2 章执行摘要

第3章 VERIFIED MARKET RESEARCH研究方法

• 数据挖掘
• 验证
• 一次资料
• 数据源列表

第4章 全球保险市场展望

• 概述
• 市场动态
  • 促进因素
  • 阻碍因素
  • 机会
• 波特的五力模型
• 价值链分析

第5章 全球保险市场类型

• 概述
• 人寿保险
• 财产保险
  • 健康保险
  • 汽车保险
  • 财产保险
  • 火灾保险
  • 责任保险
  • 海上保险
  • 农作物保险
  • 其他

第6章 全球保险市场依组织规模划分

• 概述
• 中小企业
• 大公司

第7章 全球保险市场区域分布

• 概述
• 北美
  • 美国
  • 加拿大
  • 墨西哥
• 欧洲
  • 德国
  • 英国
  • 法国
  • 欧洲其他地区
• 亚太地区
  • 中国
  • 日本
  • 印度
  • 亚太其他地区
• 拉丁美洲
  • 巴西
  • 阿根廷
  • 其他拉丁美洲
• 中东/非洲
  • 阿拉伯联合酋长国
  • 沙乌地阿拉伯
  • 南非
  • 其他中东/非洲

第8章全球保险市场竞争格局

• 概述
• 各公司市场排名
• 主要发展策略

第9章 公司简介

• 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 重大进展

• 产品发布/开发
• 併购
• 业务拓展
• 伙伴关係和联盟

第 11 章 附录

• 相关研究

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