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市場調查報告書

英國的民間醫療保險市場:主要趨勢與市場機會

Private Medical Insurance in the UK, Key Trends and Opportunities to 2017

出版商 Timetric 商品編碼 298221
出版日期 內容資訊 英文 63 Pages
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英國的民間醫療保險市場:主要趨勢與市場機會 Private Medical Insurance in the UK, Key Trends and Opportunities to 2017
出版日期: 2014年03月24日 內容資訊: 英文 63 Pages
簡介

英國民間醫療保險市場總保費收入在2012年達到36億5000萬英鎊(與去年同期相比增加了3.2%)。此外2008∼2012年的年平均成長率(CAGR)為2.47%。但一反保險費收入的順利擴大,加保用戶數自2006年以來便持續低迷,到2012年更縮小到過去最低的560萬人。原本是為了彌補民間醫療保險之不足而存在的NHS(國民健康保險)、由於大眾對NHS滿足度的上升,以及就業市場的惡化等是加保者減少的主要原因。今後預測該趨勢也將持續下去,預計加保人口將持續減少,但保險費收入則以年平均(CAGR)2%的速度緩緩成長。此外,保費的綜合性產品轉向低價格的保險商品這個動向也相當活絡。

本報告提供英國的民間醫療保險市場相關分析,提供制度的特徵和市場結構,推動因素與課題,市場規模趨勢(過去·今後5年份),各銷售管道的詳細趨勢,產業的競爭力,近幾年的產業趨勢(資本交易·產業聯盟等),政府的相關法規·政策,再加上主要企業簡介等調查,並將結果概述為以下內容。

第1章 摘要整理

第2章 簡介

  • 本報告概要
  • 定義
  • 分析方法

第3章 市場分析

  • 市場規模
    • 保險的普及率和密度
  • 保險金申請額
    • 過去的實際成果值
    • 今後的預測值
  • 推動市場要素
  • 市場預測
  • 通路
    • 通路預測

第4章 競爭環境

  • 盈利
    • 投資報酬率
    • 盈利預測
  • 業績前幾名企業
  • 商品開發
  • 民間醫療保險市場SWOT分析

第5章 波特的五力分析

  • 供應商談判力:高
  • 買主談判力:中
  • 進入障礙:中
  • 同業間的競爭:中∼高
  • 替代產品的威脅:高

第6章 資本交易趨勢(全5件)

第7章 最新的產業趨勢(全8件)

第8章 法規與合法性

  • 近幾年的法修改(1件)
  • 今後的法修改預測:新清償能力制度

第9章 宏觀經濟的影響

  • 實質GDP成長率
  • 勞動市場趨勢
  • 利率
  • 人口結構

第10章 企業簡介

  • Aviva Plc
    • 主要資料
    • 主要產品
    • 主要的競爭企業
    • 企業幹部
  • Axa UK Plc
  • Bupa Insurance Ltd
  • Chubb Insurance Company of Europe SE
  • Cigna Life Insurance Company of Europe SA-NV
  • Exeter Friendly Society Ltd
  • Great Lakes Reinsurance (UK) Plc
  • Prudential Plc
  • Simplyhealth Group Ltd
  • Western Provident Association

第11章 統計

  • 實際成果值資料(過去5年份)
  • 預測值資料(今後5年份)

第12章 附錄

圖表一覽

目錄
Product Code: FS0115MR

Features at a glance:

  • The report provides market analysis, information and insights into the UK private medical insurance insurance business
  • It provides a snapshot of market size and market segmentation
  • It offers comprehensive analysis of claims, drivers and market outlook
  • It analyzes distribution channels
  • It offers an overview of deals, news and regulatory developments

Summary

Gross written premiums in the private medical insurance category amounted to GBP3.65 billion in 2012, recording growth of 3.2% from 2011, and a compound annual growth rate (CAGR) of 2.47% during the review period (2008-2012).

Favorable developments in premiums belie the underlying trends in demand, however. As a discretionary insurance product, supplementary to free-to-access healthcare through the National Health Service (NHS), the number of private medical policyholders has been subject to a downwards trend since 2006 and hit its lowest level on record in 2012, at 5.6 million. Factors driving the apparent shift in attitudes include improved levels of satisfaction with the NHS, increased public healthcare spending, and deterioration in labor market conditions.

The market for private medical insurance is dominated by four insurers - Bupa, Axa, Aviva and Prudential - which have a combined market share of 92%. Despite this concentrated market, a lack of competition between private hospital operators has restricted insurers' bargaining power and resulted in inflated claims costs. Coupled with the decline in customer numbers, this has been the biggest driver of premium growth as insurers responded to drags on profitability by raising prices for customers.

The consumer shift away from private medical insurance is unlikely to be fully reversed. Nevertheless, favorable forces will underpin a modest CAGR of 2% for gross written premiums over the forecast period (2013-2017). A recovery in economic growth will improve wage and employment conditions, NHS reforms are expected to advance the role of the private healthcare and insurance sector, while the UK's evolving demographic profile will increase the strain on the public healthcare system.

Improving economic conditions do not prescribe continued growth in the category, however, as the recession-induced demand for lower-cost policy coverage has spurred an increase in the popularity and availability of cheaper healthcare cash plans and self-pay options for one-off treatments. This new market dynamic threatens to divert customers away from comprehensive, but high-premium private medical insurance policies.

Scope

  • This report provides market analysis, information and insights into the UK private medical insurance business
  • It provides a global snapshot of market size
  • It analyses drivers and the outlook for the market
  • It provides information on distribution channels
  • It covers deals, news and regulatory developments

Reasons To Buy

  • Gain an understanding of the UK private medical insurance market size
  • Learn about the performance of market drivers and distribution channels
  • Understand the competitive landscape in terms of performance, profitability and product innovation
  • Find out more on key deals and recent developments in the market

Table of Contents

1. Executive Summary

2. Introduction

  • 2.1. What is this Report About?
  • 2.2. Definitions
  • 2.3. Methodology

3. Market Analysis

  • 3.1. Market Size
    • 3.1.1. Penetration and density
  • 3.2. Claims
    • 3.2.1. Claims review
    • 3.2.2. Claims outlook
  • 3.3. Market Drivers
  • 3.4. Market Outlook
  • 3.5. Distribution Channels
    • 3.5.1. Distribution outlook

4. Competitive Landscape

  • 4.1. Profitability
    • 4.1.1. Investment returns
    • 4.1.2. Profitability outlook
  • 4.2. Review - The Best Performers of 2012
  • 4.3. Product Innovation
  • 4.4. Private Medical Insurance - SWOT Analysis

5. Porter's Five Forces Analysis

  • 5.1. Bargaining Power of Suppliers: High
  • 5.2. Bargaining Power of Buyers: Medium
  • 5.3. Barriers to Entry: Medium
  • 5.4. Intensity of Rivalry: Medium to High
  • 5.5. Threat of Substitution: High

6. Deals

  • 6.1. Axa Signs Broker Deal
  • 6.2. Bupa Creates Global Insurance Network
  • 6.3. Bupa Extends Deal with UK Sport
  • 6.4. Aviva Partners with Chartered Society of Physiotherapy
  • 6.5. Prudential Continues Sponsorship of Sporting Events

7. News

  • 7.1. UK Expats Lose Free Healthcare Access
  • 7.2. Aviva Release Cancer Claims Statistics
  • 7.3. Adviser Roadshows to Garner Sales Opportunities
  • 7.4. Patient Records Obtained by Actuarial Institute
  • 7.5. Health Insurance High on Employees' Wish Lists
  • 7.6. Aviva Wins Health Insurance Awards
  • 7.7. Government Consults on Visitor Medical Insurance Requirements
  • 7.8. Inaugural Advisory Board for PruHealth Scheme

8. Regulation and Compliance

  • 8.1. Recent Changes
    • 8.1.1. Health and Social Care Act 2012
  • 8.2. Upcoming Regulations
    • 8.2.1. Solvency II

9. Macroeconomic Backdrop

  • 9.1. Real GDP Growth
  • 9.2. Labor Market Conditions
  • 9.3. Interest Rates
  • 9.4. Demographics

10. Company Profiles

  • 10.1. Aviva Plc - Company Overview
    • 10.1.1. Aviva Plc - key facts
    • 10.1.2. Aviva Plc - main products
    • 10.1.3. Aviva Plc - main competitors
    • 10.1.4. Aviva Plc - key employees
  • 10.2. Axa UK Plc - Company Overview
    • 10.2.1. Axa UK Plc - key facts
    • 10.2.2. Axa UK Plc - main products
    • 10.2.3. Axa UK Plc - main competitors
    • 10.2.4. Axa UK Plc - key employees
  • 10.3. Bupa Insurance Ltd - Company Overview
    • 10.3.1. Bupa Insurance Ltd - key facts
    • 10.3.2. Bupa Insurance Ltd - main products
    • 10.3.3. Bupa Insurance Ltd - main competitors
    • 10.3.4. Bupa Insurance Ltd - key employees
  • 10.4. Chubb Insurance Company of Europe SE - Company Overview
    • 10.4.1. Chubb Insurance Company of Europe SE - key facts
    • 10.4.2. Chubb Insurance Company of Europe SE - main products
    • 10.4.3. Chubb Insurance Company of Europe SE - main competitors
    • 10.4.4. Chubb Insurance Company of Europe SE - key employees
  • 10.5. Cigna Life Insurance Company of Europe SA-NV - Company Overview
    • 10.5.1. Cigna Life Insurance Company of Europe SA-NV - key facts
    • 10.5.2. Cigna Life Insurance Company of Europe SA-NV - main products
    • 10.5.3. Cigna Life Insurance Company of Europe SA-NV - main competitors
    • 10.5.4. Cigna Life Insurance Company of Europe SA-NV - key employees
  • 10.6. Exeter Friendly Society Ltd - Company Overview
    • 10.6.1. Exeter Friendly Society Ltd - key facts
    • 10.6.2. Exeter Friendly Society Ltd - main products
    • 10.6.3. Exeter Friendly Society Ltd - main competitors
    • 10.6.4. Exeter Friendly Society Ltd - key employees
  • 10.7. Great Lakes Reinsurance (UK) Plc - Company Overview
    • 10.7.1. Great Lakes Reinsurance (UK) Plc - key facts
    • 10.7.2. Great Lakes Reinsurance (UK) Plc - main products
    • 10.7.3. Great Lakes Reinsurance (UK) Plc - main competitors
    • 10.7.4. Great Lakes Reinsurance (UK) Plc - key employees
  • 10.8. Prudential Plc - Company Overview
    • 10.8.1. Prudential Plc - key facts
    • 10.8.2. Prudential Plc - main products
    • 10.8.3. Prudential Plc - main competitors
    • 10.8.4. Prudential Plc - key employees
  • 10.9. Simplyhealth Group Ltd - Company Overview
    • 10.9.1. Simplyhealth Group Ltd - key facts
    • 10.9.2. Simplyhealth Group Ltd - main products
    • 10.9.3. Simplyhealth Group Ltd - main competitors
    • 10.9.4. Simplyhealth Group Ltd - key employees
  • 10.10. Western Provident Association - Company Overview
    • 10.10.1. Western Provident Association - key facts
    • 10.10.2. Western Provident Association - main products
    • 10.10.3. Western Provident Association - main competitors
    • 10.10.4. Western Provident Association - key employees

11. Statistics

  • 11.1. Review Period: 2008-2012
  • 11.2. Forecast Period: 2013-2017

12. Appendix

  • 12.1. Methodology
  • 12.2. Contact Timetric
  • 12.3. About Timetric
  • 12.4. Timetric's Services
  • 12.5. Disclaimer

List of Tables

  • Table 1: Insurance Industry Definitions
  • Table 2: UK Private Medical Insurance - Market Summary (GBP Thousand), 2008-2012
  • Table 3: UK Private Medical Insurance - Market SWOT Analysis
  • Table 4: Recent and Upcoming Regulatory Changes
  • Table 5: Aviva Plc, Key Facts
  • Table 6: Aviva Plc, Main Products
  • Table 7: Aviva Plc, Key Employees
  • Table 8: Axa UK Plc, Key Facts
  • Table 9: Axa UK Plc, Main Products
  • Table 10: Axa UK Plc, Key Employees
  • Table 11: Bupa Insurance Ltd, Key Facts
  • Table 12: Bupa Insurance Ltd, Main Products
  • Table 13: Bupa Insurance Ltd, Key Employees
  • Table 14: Chubb Insurance Company of Europe SE, Key Facts
  • Table 15: Chubb Insurance Company of Europe SE, Main Products
  • Table 16: Chubb Insurance Company of Europe SE, Key Employees
  • Table 17: Cigna Life Insurance Company of Europe SA-NV, Key Facts
  • Table 18: Cigna Life Insurance Company of Europe SA-NV, Main Products
  • Table 19: Cigna Life Insurance Company of Europe SA-NV, Key Employees
  • Table 20: Exeter Friendly Society Ltd, Key Facts
  • Table 21: Exeter Friendly Society Ltd, Main Products
  • Table 22: Exeter Friendly Society Ltd, Key Employees
  • Table 23: Great Lakes Reinsurance (UK) Plc, Key Facts
  • Table 24: Great Lakes Reinsurance (UK) Plc, Main Products
  • Table 25: Great Lakes Reinsurance (UK) Plc, Key Employees
  • Table 26: Prudential Plc, Key Facts
  • Table 27: Prudential Plc, Main Products
  • Table 28: Prudential Plc, Board of Directors
  • Table 29: Simplyhealth Group Ltd, Key Facts
  • Table 30: Simplyhealth Group Ltd, Main Products
  • Table 31: Simplyhealth Group Ltd, Key Employees
  • Table 32: Western Provident Association, Key Facts
  • Table 33: Western Provident Association, Main Products
  • Table 34: Western Provident Association, Key Employees
  • Table 35: Private Medical Insurance (GBP Thousand), 2008-2012
  • Table 36: Private Medical Insurance (GBP Thousand), 2013-2017

List of Figures

  • Figure 1: UK Private Medical Insurance - Gross Written Premiums (GBP), 2008-2012
  • Figure 2: UK Private Medical Insurance - Penetration Rate (%) and Density (GBP), 2008-2012
  • Figure 3: UK Private Medical Insurance - Number of Policyholders (Millions), 2004-2012
  • Figure 4: UK Consumer Price Inflation - Healthcare (%), 2008-2013
  • Figure 5: UK Demographics, 1992-2012
  • Figure 6: UK GDP Growth and Labor Market Conditions, 2004-2012
  • Figure 7: UK Public and Private Healthcare Expenditure, 1997-2011
  • Figure 8: NHS Performance Measures, 2006-2013
  • Figure 9: UK Public Satisfaction With the NHS, 1993-2012
  • Figure 10: UK Private Medical Insurance - Gross Written Premiums Forecast (GBP Millions) 2013-2017
  • Figure 11: Market Shares of the 10 Leading UK Private Medical Insurers (%) in 2012
  • Figure 12: UK Private Medical Insurance - Five Forces Analysis
  • Figure 13: The UK's Insurance Regulatory Framework
  • Figure 14: Real GDP Growth (%), 2008-2017
  • Figure 15: UK - Unemployment and Redundancy Rates (%), 2004-2012
  • Figure 16: UK - Average Weekly Earnings, 2004-2012
  • Figure 17: UK - Bank of England Rate (%), 2004-2014
  • Figure 18: UK - Population Growth and Median Age, 1995-2012
  • Figure 19: UK - Standards of Living (GBP), 1997-2011
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