首頁 > 市場調查報告書 > 銀行業務

保險

市場調查報告書

商品編碼

1846060

收入保障保險市場：2024-2031 年按保險類型、福利結構、職業類別和地區分類

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個工作天內

價格

簡介目錄

殘障保險市場評估 - 2024-2031

收入保障保險在您因疾病或受傷而無法工作時提供經濟支持。它通常會從您的收入中扣除一定比例，以支付康復期間的必要費用。這項保險對於確保財務安全至關重要。因此，預計2024年市場規模將超過443.6億美元，到2031年將達到約610.1億美元。

收入保障保險市場的成長動力源自於人們日益增強的財務安全意識、不斷上漲的醫療成本以及慢性病的流行。雇主越來越意識到將此類保險納入員工社會福利計畫的益處，從而推動了市場的發展。保單管理技術的進步正在改善消費者體驗。收入保障保險需求的不斷成長將推動市場在2024年至2031年間以4.50%的複合年成長率成長。

殘障保險市場定義/概述

收入保障保險在投保人因疾病或受傷而無法工作時，提供其部分正常收入。它通常透過承擔喪失工作能力期間的必要費用，直到個人能夠重返工作崗位或退休，從而提供財務保障。

如果您因疾病或受傷而無法工作，收入保障保險可以補償您的部分收入，從而提供經濟援助。它能提供穩定的收入來支付生活開支，幫助您在復原期間保持財務穩定。

收入保障保險將擴大瞄準零工經濟從業者，並提供更靈活的保障選項。技術發展使得客製化風險評估和更快的理賠處理成為可能。增強的數位平台將提升消費者體驗和可近性，滿足不可預測的經濟環境中日益成長的金融保障需求。

金融保護意識的不斷增強是否會推動收入保障保險市場的成長？

日益成長的財務保障意識預計將推動收入保障保險市場的發展。根據英國保險協會 (ABI) 2019 年的報告，約有 17% 的英國勞工擁有收入保障保險。英國每年約有 100 萬人因疾病或受傷而缺勤，證實了保險的迫切需求。瑞士再保險公司 2018 年的一項分析估計，英國的收入保障缺口約為每年 1,800 億英鎊。 2018 年，保險公司每天支付的收入保障理賠金額高達 380 萬英鎊。

LV= 2020年的民調發現，在了解收入保障保險後，44%的受訪者會考慮購買保險。澳洲的保險意識很高，2019年有近33%的勞工需要購買保險，證明保險意識對市場滲透率有正面的影響。

消費者意識是否阻礙了殘障保險市場？

消費者意識的缺乏會對收入保障保險業務產生重大影響。許多人沒有意識到收入保障的必要性，而是依賴人壽保險和健康保險。這種意識的缺乏導致人們支付的保費不足，一旦他們因疾病或殘疾而遭受意外收入損失，就會面臨財務困境。

為了解決這個問題，保險公司必須投資有效的消費者教育項目，強調收入保障保險的益處和重要性。清楚傳達保險的承保範圍、承保的重要性以及不購買保險的財務影響，將有助於提高消費者意識並推動市場成長。

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/價格

FAQ

收入保障保險市場：2024-2031 年按保險類型、福利結構、職業類別和地區分類

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

殘障保險市場評估 - 2024-2031

金融保護意識的不斷增強是否會推動收入保障保險市場的成長？

消費者意識是否阻礙了殘障保險市場？

目錄

第1章 引言

第2章執行摘要

第3章 市場概況

第4章 收入保障保險市場（依保險類型分類）

第5章 殘障保險市場福利結構

第6章：以職業分類的失能保險市場

第7章區域分析

第8章市場動態

第9章 競爭態勢

第10章：公司簡介

第11章 市場展望與機遇

第12章 附錄

Income Protection Insurance Market Valuation - 2024-2031