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市場調查報告書
商品編碼
1883040
團體健康保險市場規模、佔有率、成長及全球產業分析:按類型、應用和地區劃分的洞察與預測(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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隨著雇主日益關注員工健康、醫療保健成本上升推動保險投保人數增加以及慢性病負擔日益加重,全球團體健康保險市場持續快速增長。根據最新數據,受員工對價格合理的保險需求不斷增長以及住院率上升的推動,該市場在 2024 年的估值將達到 14.8 億美元。預計到 2025 年,該市場將成長至 16.1 億美元,主要得益於各組織機構團體保險參保人數的成長。預計到 2032 年,該市場將達到 30.5 億美元,反映出市場正大力轉向數位化保險平台、個人化計畫和預防性照護計畫。
市場概覽
團體健康保險為員工提供統一的醫療保障計劃。雇主們越來越意識到,健康保險對於提高生產力、留住人才和減少缺勤至關重要。包括癌症、心血管疾病和泌尿系統疾病在內的慢性病盛行率不斷上升,進一步推動了該產業的發展。
2024年,北美以60.14%的市佔率佔據主導地位,創造了8.9億美元的收入。這得益於其完善的醫療保健基礎設施、較高的保險滲透率以及聯合健康集團(UnitedHealth Group)、Elevance Health、CVS Health和信諾醫療(Cigna Healthcare)等主要參與者的存在。該地區不斷增長的醫療保健支出和健全的監管框架將繼續推動市場成長。
市場動態
市場驅動因素
市場擴張的主要驅動因素是慢性病盛行率的上升,這推高了對高成本治療保險的需求。根據世界衛生組織(WHO)預測,2022年將新增2,000萬例癌症病例,這將導致全球保險索賠的增加。雇主們也正在透過提供包含預防保健和心理健康支持的綜合團體保險計劃來加強員工保留策略。
2023年1月,泰森食品公司投資2000萬美元,用於加強員工心理健康和福祉支持,這表明雇主們對綜合醫療保健的日益重視。
市場限制因子
在印度、巴西和印尼等發展中國家,人們的健康意識仍然較低,這繼續限制了保險的普及。高昂的保費和較低的金融知識水準進一步阻礙了保險的普及。根據美國國家生物技術資訊中心(NCBI)2023年的數據,印度只有25%的人擁有健康保險。
市場機會
可支配收入的成長和醫療保健支出的擴大,尤其是在新興經濟體,帶來了巨大的機會。預計到2023年,中國人均可支配收入將達到5,543.2美元,成長6.3%,證實了對健康保險產品的潛在需求。隨著金融素養的提高,保險公司可以將產品拓展到尚未開發的龐大客戶群。
市場挑戰
人們對資料隱私和網路攻擊日益增長的擔憂可能會降低對數位保險平台的信任度。根據美國退休人員協會 (AARP) 統計,美國每年因保險詐欺造成的損失高達 3,086 億美元,凸顯了加強資料保護措施的緊迫感。
按類型
2024 年,健康維護組織 (HMO) 憑藉其成本效益和對預防性護理的關注,引領市場。由於雇主對客製化保險的需求不斷增長,預計雇主專屬保險 (EPO) 計畫將保持穩定成長。
按產品
2024 年,為員工提供全額保險且無需額外費用的非繳費型計畫引領市場,有助於提高員工留存率和投保率。
按支付方
2024年,由於更完善的保險覆蓋範圍、高品質的醫療服務以及保險公司的強大影響力,私人保險市場佔據主導地位。 2025年,澳洲有1500萬人擁有私人醫療保險。
依參保方式
由於面對面個人指導和諮詢的優勢,線下參保方式佔據主導地位。然而,線上平台正在迅速擴張,預計到 2024 年,64% 的澳洲人將更傾向於在線上購買保險。
依銷售管道劃分
代理通路在 2024 年佔最大佔有率。到 2024 年,美國將擁有 902,500 名活躍的保險代理人,這將支持保單的廣泛分銷。
北美
在強大的報銷體系、先進的數位平台以及雇主贊助的團體保險計劃的高普及率的推動下,預計該市場在 2024 年將創造 8.9 億美元的收入。
歐洲
由於人口老化、數位轉型以及人們對團體保險益處的認識不斷提高,預計將實現顯著增長。
亞太地區
由於慢性病患病率上升、醫療保健覆蓋範圍擴大以及…,預計亞太地區將實現最快增長。個人化需求日益增長(88%的印度消費者更傾向於個人化保險)。
拉丁美洲、中東和非洲
成長的驅動因素包括醫療基礎設施的改善、宣傳活動的開展以及雇主提供的保險計劃覆蓋範圍的擴大。
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