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市場調查報告書
印度的私人健康保險市場
The Private Health Insurance Market in India
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印度的私人健康保險市場 是由出版商Business Insights在2011年05月所出版的。
這份英文市場調查報告書包含Pages: 96 價格從美金3835起跳。
近年印度的私人健康保險急速擴大中，但是屬該對象的人口僅僅3%，而現狀是許多消費者不清楚私人健康保險的優點。在此狀況下，印度的私人健康保險市場預期在今後5年間，將以每年CAGR（年複合成長率）25∼30％擴大。隨著此點，由於外國保險公司與印度夥伴的合併事業設立的增加等，將來的市場預料競爭將會愈趨激烈。
本報告，調查分析印度的私人健康保險市場，概括市場背景、市場結構、主要的市場動向、主要的產品以及服務、主要企業的活動，彙整市場機會以及市場課題的分析等，由下列摘要形式闡述。
報告摘要
私人健康保險市場的背景
- 摘要
- 簡介
- RSBY制度
- ESIS
- CGHS
- 其他社會制度
- Jan Aushadhi
- 地區社會/微型保險
- 私人健康保險（整體圖）
市場的發展
- 摘要
- 簡介
- 保險業界的起源
- 市場結構
- 垂直整合
- 業績變化
產品以及服務
調度、價格設定、以及支出
- 摘要
- 簡介
- 民間部門調度
- 政府部門調度
- 藥品價格架構
- 支出的資料
- 過度索價的主張
- 對保險業者的影響
- 費用抑制權衡
- 建議供應商網絡
- TPA情勢的變化
企業環境
- 摘要
- 簡介
- 最近的動向
- Star Health以及Allied Insurance的檔案資料
- Max Bupa Health Insurance的檔案資料
- United India Insurance的檔案資料
機會、問題、以及課題
附錄
圖表
Abstract
Introduction
The report presents a detailed examination of India' s nascent private health
insurance sector, exploring the market structure, the key trends and the main
opportunities. In doing so, it sets the private health insurance sector in the
context of the wider health insurance market, which is relevant because
privately-owned insurance companies often participate in both the private and
social sectors.
Features and benefits
- Gain an insight into how India' s private health insurance sector relates
to the wider social insurance sector.
- Understand the mechanics of the healthcare delivery chain, from insurers
to third party administrators (TPAs) to healthcare provider networks.
- Identify key health insurance competitors (which includes both private and
state-owned companies).
- Understand the latest trends in terms of pricing and procurement, and
thereby avoid the pitfalls that have befallen a number of insurers.
- Gain an awareness of the main challenges that must be overcome in order
for private insurance companies to achieve their full potential.
Highlights
Despite the rapid expansion of the private health insurance market in recent
years, it covers less than 3% of the population, and many consumers remain
unaware of the benefits of private health insurance. India' s private health
insurance market is poised to grow at a CAGR of 25-30% over the next five
years.
The market is likely to become much more competitive in future, with a growing
number of foreign insurance companies likely to form joint-ventures with
Indian partners.
A severe lack of data on consumers and disease patterns has prevented insurers
from offering the same type of innovative policies that are available in
developed markets. A high claims ratio, combined with problems in the supply
chain, has made it difficult for health insurers to make a profit in the short
term.
Your key questions answered
- What percentage of the population is covered by the various health
insurance schemes (both private and social) that operate in India?
- What are the prospects for future growth in India' s private health
insurance market?
- Who are the main players in India' s private health insurance market?
- What are the main pitfalls for companies operating in India' s private
health insurance market?
- How do the mechanics of the market work?
Table of Contents
About the author
EXECUTIVE SUMMARY
- The private health insurance market in context
- Market progression
- Products and services
- Procurement, pricing and expenditure
- Corporate environment
- Challenges and opportunities
The private health insurance market in context
- RSBY scheme
- RSBY hospitals
- Expansion of RSBY scheme
- CGHS
- New scheme to replace CGHS?
- Other social schemes
- Jan Aushadhi
- Community/microinsurance
- Private health insurance (big picture)
Market progression
- Genesis of insurance industry
- Regulatory background
- Emergence of health insurance market
- Market structure
- Vertical integration
- Sales progression
Products and services
Procurement, pricing, and expenditure
- Summary
- Introduction
- Private sector procurement
- Public sector procurement
- Drug pricing framework
- Expenditure profile
- Overcharging allegations
- Medical association denies overcharging
- Impact on insurers
- Group policies lead to large losses
- Cost containment measures
- Case study: Price increases by Reliance General Insurance
- Preferred Provider Network
- Resistance to PPN
- PPN expansion
- Change to TPA landscape
- PSUs plan new JV TPA
- Private insurers' relationship with TPAs
Corporate environment
- Summary
- Introduction
- Recent trends
- Profile of Star Health and Allied Insurance
- Background
- Health insurance products (private sector)
- Performance
- Outlook
- Profile of Max Bupa Health Insurance
- Background
- Health insurance products
- Performance
- Outlook
- Profile of United India Insurance
- Background
- Health insurance products
- Performance
- Outlook
Oportunities, issues and challenges
- Summary
- Introduction
- Opportunities
- Issues and challenges
- Innovation
- Consumer awareness
- Financial pressures
- Competitive environment
Appendix
- Scope
- Exchange rates
- Methodology
- Abbreviations
- References
- List of insurance companies
TABLES
- Table: India: Health expenditure ratios 2000 - 07
- Table: Empanelment of healthcare providers in RSBY (mid-February 2011)
- Table: Enrolment of beneficiaries in RSBY (mid-February 2011)
- Table: ESIC coverage summary*
- Table: Role of third party administrators (TPAs)
- Table: India: Registered insurers by type*
- Table: Non-life insurers by sector 2010*
- Table: TPA infrastructure 2009 - 10*
- Table: India: Number of health insurance policies, insured members and
claims
- Table: India: Insurance claims paid per disease in 2009 - 10
- Table: India: Average insurance claims paid per state 2009 - 10*
- Table: India: Claims severity* analysis per disease 2009 - 10
- Table: India: Number of PPN hospitals by state and city*
- Table: India: Companies shortlisted for new TPA joint-venture with GIPSA
insurers*
- Table: India: Gross health insurance premium underwritten by non-life
insurers, April to December (provisional & unaudited)*
- Table: Star Health and Allied Insurance premium and claims paid, 2009 - 10
- Table: Claims data for Star Health and Allied Insurance, third quarter
2010 - 11*
- Table: United India Insurance private health insurance statistics 2005 - 10
- Table: US dollar/Indian rupee average exchange rates 2005 - 11
FIGURES
- Figure: ESIC income/expenditure accounts
- Figure: India: Health insurance coverage by percentage of population 2010*
- Figure: India: Private health insurance market in context
- Figure: India: Health insurance premiums 2005 - 10
- Figure: India: Breakdown of health insurance premiums 2009 - 10
- Figure: India: Number of health insurance policies by type 2009 - 10
- Figure: India: Total premium by type of health insurance policy 2009 - 10
- Figure: India: Total insurance premium and claims paid, 2005 - 10
- Figure: India: Leading gross health insurance premiums by company 2010*
- Figure: Gross premium of United India Insurance by sector 2009 - 10
- Figure: Challenges for India' s health insurance market
- Figure: India: Consumer awareness advertisement by IRDA
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