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收入保障保险市场：2024-2031 年按保险类型、福利结构、职业类别和地区划分

Income Protection Insurance Market By Policy Type, Benefit Structure, Occupation Class, & Region for 2024-2031

出版日期: 2025年08月12日 | 出版商:

Verified Market Research | 英文 202 Pages | 商品交期: 2-3个工作天内

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简介目录

残障保险市场评估 - 2024-2031

收入保障保险在您因疾病或受伤而无法工作时提供经济支持。它通常会从您的收入中扣除一定比例，以支付康復期间的必要费用。这项保险对于确保财务安全至关重要。因此，预计2024年市场规模将超过443.6亿美元，到2031年将达到约610.1亿美元。

收入保障保险市场的成长动力源自于人们日益增强的财务安全意识、不断上涨的医疗成本以及慢性病的流行。雇主越来越意识到将此类保险纳入员工社会福利计画的益处，从而推动了市场的发展。保单管理技术的进步正在改善消费者体验。收入保障保险需求的不断增长将推动市场在2024年至2031年间以4.50%的复合年增长率成长。

残障保险市场定义/概述

收入保障保险在投保人因疾病或受伤而无法工作时，提供其部分正常收入。它通常透过承担丧失工作能力期间的必要费用，直到个人能够重返工作岗位或退休，从而提供财务保障。

如果您因疾病或受伤而无法工作，收入保障保险可以补偿您的部分收入，从而提供经济援助。它能提供稳定的收入来支付生活开支，帮助您在復原期间保持财务稳定。

收入保障保险将越来越多地瞄准零工经济从业者，并提供更灵活的保障选项。技术发展使得客製化风险评估和更快的理赔处理成为可能。增强的数位平台将提升消费者体验和可近性，满足不可预测的经济环境中日益增长的金融保障需求。

金融保护意识的不断增强是否会推动收入保障保险市场的成长？

日益增长的财务保障意识预计将推动收入保障保险市场的发展。根据英国保险协会 (ABI) 2019 年的报告，约有 17% 的英国劳工拥有收入保障保险。英国每年约有 100 万人因疾病或受伤而缺勤，证实了保险的迫切需求。瑞士再保险公司 2018 年的一项分析估计，英国的收入保障缺口约为每年 1,800 亿英镑。 2018 年，保险公司每天支付的收入保障理赔金额高达 380 万英镑。

LV= 2020年的民调发现，在了解收入保障保险后，44%的受访者会考虑购买保险。澳洲的保险意识很高，2019年有近33%的劳工需要购买保险，证明保险意识对市场渗透率有正面的影响。

消费者意识是否阻碍了残障保险市场？

消费者意识的缺乏会对收入保障保险业务产生重大影响。许多人没有意识到收入保障的必要性，而是依赖人寿保险和健康保险。这种意识的缺乏导致人们支付的保费不足，一旦他们因疾病或残疾而遭受意外收入损失，就会面临财务困境。

为了解决这个问题，保险公司必须投资有效的消费者教育项目，强调收入保障保险的益处和重要性。清楚传达保险的承保范围、承保的重要性以及不购买保险的财务影响，将有助于提高消费者意识并推动市场成长。

Income protection insurance is a sort of coverage that would provide financial assistance if you are unable to work due to illness or injury. It normally provides a percentage of your income to assist you afford necessary expenses during your rehabilitation. This insurance is critical to ensuring financial stability. This is likely to enable the market size surpass USD 44.36 Billion valued in 2024 to reach a valuation of around USD 61.01 Billion by 2031.

Income protection insurance market growth is being driven by increasing financial security awareness, rising healthcare costs and an increase in the prevalence of chronic conditions. Employers are increasingly seeing the benefits of including such coverage in employee benefit packages, which is moving the market forward. Technological advances in policy management are improving the consumer experience. The rising demand for Income Protection Insurance is enabling the market grow at a CAGR of 4.50% from 2024 to 2031.

Income Protection Insurance Market: Definition/ Overview

Income Protection Insurance reimburses a policyholder for a portion of their normal income if they are unable to work due to illness or injury. It provides financial stability by covering necessary expenses during the term of incapacity, usually until the individual can return to work or retire.

Income Protection Insurance provides financial assistance by replacing a portion of your earnings if you are unable to work due to illness or injury. It provides consistent revenue to meet living expenditures, aiding in financial stability throughout recovery times.

Income protection insurance will increasingly be targeted to gig economy workers, providing more flexible coverage alternatives. Technological developments will enable tailored risk assessments and faster claim processing. Enhanced digital platforms will increase consumer experience and accessibility, addressing the growing demand for financial protection in an unpredictable economic environment.

Will Increasing Awareness of Financial Protection Boost the Income Protection Insurance Market Growth?

Growing awareness of financial protection is expected to boost the income protection insurance market. According to a 2019 report by the Association of British Insurers (ABI), approximately 17% of UK workers having income protection insurance. Every year, around 1 million people in the United Kingdom miss work due to illness or injury, underlining the critical need for coverage. A 2018 Swiss Re analysis estimated the UK's income protection shortfall to be around £180 billion per year. In 2018, insurers paid £3.8 million each day in income protection claims.

According to an LV= poll from 2020, after learning about income protection insurance, 44% of respondents would consider acquiring it. In Australia, where awareness is stronger, almost 33% of the working population needed coverage in 2019, proving the favorable impact of awareness on market penetration.

Will Lack of Consumer Awareness Hamper the Income Protection Insurance Market?

Lack of awareness among consumers can have a substantial impact on the income protection insurance business. Many people are ignorant of the necessity of income protection, relying instead on life and health insurance. This lack of awareness can lead to underinsurance, exposing people to financial difficulty in the event of an unexpected income loss due to illness or disability.

To address this, insurance companies must invest in effective consumer education programs that emphasize the benefits and importance of income protection insurance. Clear communication about the coverage given, hypothetical scenarios in which it is critical and the financial consequences of not having such coverage can assist to raise awareness and drive market growth.

Category-Wise Acumens

How will Growing Consumer Demand for Robust Financial Protection Drive the Long-Term Income Protection Insurance Segment?

The growing consumer desire for strong financial protection is expected to drive the growth of long-term income protection insurance segment significantly. As people become more conscious of the hazards involved with job loss due to illness or injury, they look for dependable and comprehensive coverage to protect their earnings.

This increasing knowledge and desire for financial security has resulted in a higher demand for long-term income protection policies that provide more coverage and stability. Insurers are responding by creating more personalized and adaptable policies to meet changing consumer demands. This trend is likely to drive market growth as consumers emphasize long-term financial protection in their insurance decisions, resulting in innovation and competition within the sector.

Will Increasing Benefits Based on the Insured's Income Drive the Indemnity Policies Segment?

Increasing benefits based on the insured's income are expected to drive the indemnity policies category. Indemnity policies, which provide rewards equal to the insured's income at the time of the claim, are consistent with the growing consumer need for financial security that represents their current wages. As people seek insurance solutions that offer more personalized and income-sensitive coverage, indemnity policies become more appealing due to their flexibility and cost-effectiveness when compared to agreed-upon value policies.

The capacity to adjust benefits in response to income fluctuations fulfils the changing needs of consumers who want to ensure that their coverage remains current and adequate during times of financial instability. This adjustment is likely to enable the indemnity plans segment dominate the market.

Country/Region-wise Acumens

Will Advanced Financial Services Sector Drive the Market in North America?

The advanced financial services sector will have a substantial impact on the income protection insurance market in North America. This industry benefits from well-established financial institutions, sophisticated technology and strong customer awareness of financial dangers and protections. The availability of innovative insurance products and services, together with a strong regulatory environment, promotes the expansion and penetration of income protection insurance.

North America's high standard of life and relatively larger discretionary incomes drive up need for comprehensive financial protection solutions. As financial institutions continue to provide specialized, flexible coverage alternatives and educate consumers, the market for income protection insurance is likely to grow, cementing North America's leadership position.

Will Increasing Economic Development Drive the Market in Asia Pacific Region?

The Asia-Pacific region's income protection insurance industry will be driven by increasing economic development. Rapid economic expansion in nations such as China and India raise disposable incomes and living standards, increasing demand for comprehensive financial protection products. As people and organizations seek to protect against income loss due to illness or injury, the need for income protection insurance grows.

Furthermore, burgeoning middle-class populations and increasing financial literacy help to fuel the market's growth. Insurance companies are reacting with bespoke products that fit the unique needs of these rising economies, thereby boosting market growth. Enhanced economic development and increasing customer knowledge are significant drivers of Asia-Pacific's income protection insurance market.

Competitive Landscape

The income protection insurance market is a dynamic and competitive space, characterized by a diverse range of players vying for market share. These players are on the run for solidifying their presence through the adoption of strategic plans such as collaborations, mergers, acquisitions and political support. The organizations are focusing on innovating their product line to serve the vast population in diverse regions.

Some of the prominent players operating in the income protection insurance market include:

Aviva

Legal & General

Fidelity Life

Royal London

VitalityLife

Generali

Allianz

AXA

LV= Liverpool Victoria

AIG Life

TAL

AMP

Zurich

AIA

Latest Developments

In June 2021, Axo, a leading distributor of personal finance goods, announced the acquisition of LendMe, one of Denmark's first independent loan brokers. LendMe offers consumers the country's largest network of lending partners. As part of its services, LendMe also provides income Protection insurance.

In September 2021, TAL, a leading supplier of life insurance, released three Protective insurance products for retail customers. Income Protection Enhancement, Income Protection Assist and Income Protection Focus are the latest programs that protect their most important assets and their ability to make a life.

1. Introduction

Market Definition
Market Segmentation
Research Methodology

2. Executive Summary

Key Findings
Market Overview
Market Highlights

3. Market Overview

Market Size and Growth Potential
Market Trends
Market Drivers
Market Restraints
Market Opportunities
Porter's Five Forces Analysis

4. Income Protection Insurance Market, By Policy Type

Short-Term Income Protection Insurance
Long-Term Income Protection Insurance

5. Income Protection Insurance Market, By Benefit Structure

Agreed Value Policies
Indemnity Policies

6. Income Protection Insurance Market, By Occupation Class

White-Collar Workers
Blue-Collar Workers

7. Regional Analysis

North America
United States
Canada
Mexico
Europe
United Kingdom
Germany
France
Italy
Asia-Pacific
China
Japan
India
Australia
Latin America
Brazil
Argentina
Chile
Middle East and Africa
South Africa
Saudi Arabia
UAE

8. Market Dynamics

Market Drivers
Market Restraints
Market Opportunities
Impact of COVID-19 on the Market

9. Competitive Landscape

Key Players
Market Share Analysis

10. Company Profiles

Aviva
Legal & General
Fidelity Life
Royal London
VitalityLife
Generali
Allianz
AXA
LV= Liverpool Victoria
AIG Life
TAL
AMP
Zurich
AIA
OnePath

11. Market Outlook and Opportunities

Emerging Technologies
Future Market Trends
Investment Opportunities

12. Appendix

List of Abbreviations
Sources and References

02-2729-4219

+886-2-2729-4219

License/价格

FAQ

收入保障保险市场：2024-2031 年按保险类型、福利结构、职业类别和地区划分

Income Protection Insurance Market By Policy Type, Benefit Structure, Occupation Class, & Region for 2024-2031

残障保险市场评估 - 2024-2031

金融保护意识的不断增强是否会推动收入保障保险市场的成长？

消费者意识是否阻碍了残障保险市场？

目录

第一章 引言

第二章执行摘要

第三章 市场概况

第四章 收入保障保险市场（依保险类型划分）

第五章 残障保险市场福利结构

第六章：以职业分類的失能保险市场

第七章区域分析

第八章市场动态

第九章 竞争态势

第十章：公司简介

第十一章 市场展望与机会

第十二章 附录

Income Protection Insurance Market Valuation - 2024-2031