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市場調查報告書
商品編碼
1884049
個人健康保險市場規模、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)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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隨著慢性病發病率上升、醫療保健支出增加以及人們對客製化保險計劃的需求日益增長,全球個人健康保險市場持續快速擴張,促使個人選擇私人和公共保險方案。根據最新的產業數據,預計該市場規模在 2024 年將達到 6.545 億美元,2025 年將成長至 7.13 億美元,到 2032 年將達到 13.988 億美元,預測期內複合年增長率高達 10.1%。這種穩定成長反映出個人越來越願意投資於個人化的健康保險解決方案,以應對不斷上漲的醫療費用。
2024年,北美以67.2%的顯著市場佔有率引領全球市場,這主要得益於不斷增長的醫療保健支出、先進的保險基礎設施以及個人保險計劃的高滲透率。該地區擁有成熟的保險生態系統和支持性的監管框架,使其成為市場收入的最大貢獻者。
市場動態
市場驅動因素
慢性病負擔日益惡化
癌症、心血管疾病、糖尿病和神經系統疾病等長期疾病的盛行率不斷上升,促使住院和醫療程序顯著增加。人口老化加劇了這項負擔。根據美國疾病管制與預防中心 (CDC) 的數據,2022 年至 2023 年間,美國報告了 3,670 萬例新增癌症病例。慢性病需要定期檢查、化驗、服藥和手術,這推動了市場需求,因為人們尋求財務保障並增加了保險購買。
醫療成本不斷上漲
全球醫療保健成本持續上漲。根據美國醫療保險和醫療補助服務中心 (CMS) 的數據,到 2024 年,美國人均醫療保健支出將達到 14,570 美元,這將進一步增加對提供全面保障的私人醫療保險計劃的需求。聯合健康集團 (UnitedHealth Group) 和信諾健康保險 (Cigna Healthcare) 等保險公司正在迅速推出針對不同人群量身定制的新計劃,進一步刺激了市場滲透。
市場限制因子
保費上漲
儘管需求不斷增長,但高昂的保費仍然是一個主要障礙。醫療保健成本和理賠數量的持續上漲推高了保費。在許多發展中地區,保費負擔能力仍然是一個挑戰,限制了保險的普及。截至2020年,巴西只有23%的人擁有私人醫療保險。新興國家對保險福利的認知度較低也阻礙了市場滲透。
市場機會
轉型為以客戶為中心的保險模式
健康保險公司正在擴展其個人化保險產品,以滿足消費者多樣化的需求。這些產品包括針對特定年齡、疾病和地理的保險計劃。 2025年6月,Bajaj Allianz General Insurance推出了針對特定州的健康保險產品,以滿足當地的醫療需求和治療費用。此類策略提高了客戶滿意度並提升了客戶留存率。
數位轉型與保險科技的成長
人工智慧、自動化和遠距醫療整合等技術驅動的創新正在改變保險業。人工智慧有助於詐欺檢測、理賠自動化和個人化保險政策推薦。例如,Future Generali India Life Insurance 於 2025 年 4 月推出了一款人工智慧平台,該平台可根據個人健康需求協助確定準確的保險覆蓋範圍。
市場挑戰
網路安全與資料隱私問題
健康保險領域大數據應用的日益廣泛,也增加了網路攻擊的風險。 2021 年至 2023 年,中國共報告了 1,213 起健康保險詐欺案件,反映出資料濫用和詐欺相關風險的嚴重性。部分地區缺乏強而有力的反詐欺法律,進一步削弱了消費者的信任。
按類型
在低保費和廣泛覆蓋的推動下,健康維護組織 (HMO) 計劃將於 2024 年成為主流。 Leadway Health HMO 於 2024 年 12 月推出了一項國際計劃,保額上限為 200 萬美元,進一步促進了 HMO 計劃的普及。
由於對靈活網路的需求不斷增長,預計優選醫療機構 (PPO) 計劃將穩步增長。
依支付方劃分
根據美國人口普查局的數據,到 2024 年,私人保險市場將佔主導地位,屆時將有 65.4% 的美國人擁有私人保險。
隨著政府保險計畫的擴展,預計公共保險的投保人數將會增加。
依模式劃分
到 2024 年,離線通路將憑藉其個人化服務和高可靠性佔主導地位,屆時美國將有 927,600 名持牌經紀人和代理人。同時,線上通路因其便利性和透明度而持續成長。
依通路劃分
代理通路佔市場主導地位,全國擁有 902,500 名持證代理人,他們在保險單分銷中發揮關鍵作用。
北美
北美將在 2024 年以 4.398 億美元的市場規模引領市場。這得益於該地區較高的保險覆蓋率(到 2024 年,92% 的美國居民將擁有健康保險)。持續的產品創新進一步鞏固了該地區的優勢。
歐洲
由於慢性病盛行率上升和政府政策的強大支持,預計歐洲市場將保持穩定成長。例如,到 2025 年,英國將有 640 萬人患有心臟病。
亞太地區
由於醫療保健成本上升和人口老化,預計亞太地區將實現最快成長。光是中國就有2.97億60歲以上的人口。
拉丁美洲、中東和非洲
人們健康意識的提高、醫療保健成本的上升以及新的監管舉措正在推動這些地區的成長。
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