全球保險市場規模（按類型、組織規模、地區、範圍和預測）

保險市場規模及預測

2022 年保險市場規模價值為 63,133.3 億美元，預計到 2030 年將達到 127,269.6 億美元，2024 年至 2030 年的複合年增長率為 9.21%。全球經濟成長和城市化是保險市場的主要驅動力之一。許多國家的可支配收入不斷提高，意味著更多的人能夠負擔得起保險，但城市化也增加了交通密度增加、財產盜竊和環境危害等風險的暴露程度。世界各國政府在刺激保險市場成長方面也扮演著至關重要的角色。監管力度和激勵措施旨在促進保險覆蓋面，為保險公司創造有利環境，鼓勵個人和企業保護自己免受潛在風險的影響。本報告對全球保險市場進行了全面的評估。它對關鍵細分市場、趨勢、市場推動因素、阻礙因素、競爭格局以及在市場中發揮關鍵作用的因素進行了全面分析。

定義全球保險市場

保險是個人或實體以保險單的形式從保險公司獲得財務保護或報銷的合約。保險公司將客戶的風險集中起來，讓投保人更負擔得起保費。保險單用於防範因被保險人的財產損失或對第三人造成損害或傷害的責任而產生大額或小額財務損失的風險。有許多類型的保險單可供選擇，幾乎任何人或任何企業都可以找到一家以一定價格為他們提供保險的保險公司。

汽車保險、健康保險、房屋保險和人壽保險是最常見的人身保險形式。美國法律規定必須購買汽車保險，大多數人都至少擁有其中一種保險。保險是保護自己免受財務損失的一種方法。保險是關於預測和評估金融風險並提供解決方案以盡量減少其影響。保險公司是提供保險和風險管理措施（例如免賠額、合約要求和保費信用優惠）的實體。任何類型的保險都有三個主要組成部分：保費、保單限額和免賠額。

保費是保險單的成本，通常以每月費用表示。保費由保險公司根據您和您的企業的風險狀況（例如信用度）來決定。保險限額是保險公司根據保險合約支付承保損失的最高金額。可以針對特定時間段（例如，年度或保單期限）、特定損失或傷害或整個保單期限（也稱為終身最高限額）設立最高限額。免賠額是保險公司支付索賠之前保單持有人必須支付的預定金額。免賠額可以起到阻止提起許多小額索賠的作用。

全球保險市場概覽

推動市場擴張的主要因素之一是全球保險索賠數量的增加。全球消費者最常見的保險索賠是汽車、人壽和家庭保險。在保險領域利用科技可以降低產品成本、提高公司獲利能力並提供進入新風險池的機會。為了減少人力、時間和成本，保險公司已經開始將數位技術融入其傳統營運和日常工作流程中。隨著發展中國家和新興國家的保險業變得更加複雜，數位解決方案可能會滲透到保險供應鏈中，從而提高營運效率和獲利能力。

新興國家可支配收入的提高將提高人們的金融意識和長期財務規劃的願望。人壽保險越來越受到那些尋求保護親人和確保財務未來安全的人的歡迎。此外，人壽保險產品往往包含投資元素，例如儲蓄保險或投資連結保險。這些產品為保單持有人提供了長期累積儲蓄和參與金融市場成長的機會。因此，新興國家可支配收入和購買力的提高為保險市場創造了大量成長機會。

監理合規是保險公司在全球市場面臨的一個主要因素。作為受到嚴格監管的行業，保險公司必須遵守不同司法管轄區的複雜法律、法規和監管制度。遵守這些法規對於確保消費者保護、金融穩定和保險業的整體健康至關重要。然而，滿足監管要求非常耗時、耗費成本，並且會影響保險業務的許多方面。

儘管面臨課題，但預測期內對網路保險的不斷增長的需求預計將為市場提供各種增長機會。網路保險產品有助於組織減輕資料外洩和網路攻擊等網路威脅活動的風險。它可以保護企業免受網路對資訊治理、IT基礎設施和資訊政策的攻擊所造成的損失，而這些攻擊通常不在典型的保險政策或商業責任計劃的覆蓋範圍內。

目錄

第1章：全球保險市場簡介

• 市場概況
• 調查範圍
• 先決條件

第 2 章執行摘要

第3章 VERIFIED MARKET RESEARCH研究方法

• 數據挖掘
• 驗證
• 一次資料
• 數據源列表

第4章 全球保險市場展望

• 概述
• 市場動態
  • 促進因素
  • 阻礙因素
  • 機會
• 波特的五力模型
• 價值鏈分析

第5章 全球保險市場類型

• 概述
• 人壽保險
• 財產保險
  • 健康保險
  • 汽車保險
  • 財產保險
  • 火災保險
  • 責任保險
  • 海上保險
  • 農作物保險
  • 其他

第6章 全球保險市場依組織規模劃分

• 概述
• 中小企業
• 大公司

第7章 全球保險市場區域分佈

• 概述
• 北美
  • 美國
  • 加拿大
  • 墨西哥
• 歐洲
  • 德國
  • 英國
  • 法國
  • 歐洲其他地區
• 亞太地區
  • 中國
  • 日本
  • 印度
  • 亞太其他地區
• 拉丁美洲
  • 巴西
  • 阿根廷
  • 其他拉丁美洲
• 中東/非洲
  • 阿拉伯聯合酋長國
  • 沙烏地阿拉伯
  • 南非
  • 其他中東/非洲

第8章全球保險市場競爭格局

• 概述
• 各公司市場排名
• 主要發展策略

第9章 公司簡介

• American International Group
• Allianz SE
• AXA
• Berkshire Hathaway Inc.
• MetLife
• United Health Group
• Ping An Insurance
• Cigna
• Zurich Insurance Group Ltd
• AIA Group Limited

第10章 重大進展

• 產品發佈/開發
• 併購
• 業務拓展
• 夥伴關係和聯盟

第 11 章 附錄

• 相關研究

Insurance Market Size And Forecast

Insurance Market size was valued at USD 6,313.33 Billion in 2022 and is projected to reach USD 12,726.96 Billion by 2030, growing at a CAGR of 9.21% from 2024 to 2030. The growing global economy, coupled with urbanization, are some of the significant drivers of the insurance market. Rising disposable incomes in many countries enable more people to afford insurance coverage, while urbanization leads to increased exposure to risks, such as higher traffic density, property theft, and environmental hazards. Governments around the world also play a pivotal role in driving insurance market growth. Regulatory initiatives and incentives to promote insurance coverage create a favorable environment for insurers and encourage individuals and businesses to protect themselves against potential risks. The Global Insurance Market report provides a holistic evaluation of the market. The report offers a comprehensive analysis of key segments, trends, drivers, restraints, competitive landscape, and factors that are playing a substantial role in the market.

Global Insurance Market Definition

Insurance is a contract in which an individual or entity receives financial protection or reimbursement from an insurance firm in the form of a policy. The company pooled the risks of its clients to make payments more affordable to the insured. Insurance policies are used to protect against the risk of big and small financial losses resulting from damage to the insured's property or liability for damage or injury to a third party. There are many different types of insurance policies from which to choose, and almost anyone or any business can find an insurance company willing to insure them for a price.

Auto, health, homeowners, and life insurance are the most frequent forms of personal insurance policies. Car insurance is required by law in the United States, and most individuals have at least one of these forms of insurance. Insurance is the method of safeguarding from financial loss. It is in total the way of forecasting and evaluating the financial risks involves, with the solutions to minimize the effect. An insurer is an entity that provides the insurance and risk management measures such as deductibles, contractual requirements, premium credit incentives. Any type of insurance has three essential components (premium, policy limit, and deductible).

The premium is the cost of a policy, which is usually expressed as a monthly cost. The premium is determined by the insurer based on the risk profile of you or your business, which may include creditworthiness. The policy limit is the most an insurer will pay for a covered loss under a policy. Maximums could be established for a certain time period (e.g., annual or policy term), for a particular loss or injury, or for the whole policy term (also known as the lifetime maximum). The deductible is a pre-determined amount that the policyholder must pay before the insurance company will pay a claim. Deductibles act as a deterrent to submitting a large number of small claims.

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Global Insurance Market Overview

One of the primary factors driving market expansion is the growing number of insurance claims worldwide. The most popular insurance claims secured by consumers globally are auto, life, and home. The use of technology in insurance can lower the cost of goods, increase the profitability of firms, and enable access to new risk pools. To decrease human efforts, time, and costs, insurance companies have started integrating digital technologies into their traditional operations and daily workflows. As insurance industries in developing and emerging nations become more sophisticated, digital solutions are likely to percolate down through the insurance supply chain, improving operational efficiency and, ultimately, profitability, as is already happening in more established markets.

Rising disposable income in emerging countries leading to increased financial consciousness and a desire for long-term financial planning. Life insurance, in particular, gaining popularity as individuals seeking ways to protect their loved ones and secure their financial future. Additionally, life insurance products often come with investment components, such as savings or investment-linked insurance policies. These offerings provide an opportunity for policyholders to accumulate savings or participate in the growth of financial markets over time. Thus, with increasing disposable income and purchasing power in emerging creating numerous growth opportunities for the insurance market.

Regulatory compliance is a significant restraint that insurance companies face in the global market. As a highly regulated industry, insurers must navigate a complex web of laws, regulations, and supervisory frameworks across different jurisdictions. Compliance with these regulations is essential to ensure consumer protection, financial stability, and the overall integrity of the insurance sector. However, meeting regulatory requirements can be time-consuming, costly, and challenging, impacting various aspects of insurance operations.

Despite challenges, growing demand for cyber insurance is anticipated to offer various growth opportunities in the market over the forecast period. Cyber insurance products assist organizations to reduce the risk of cyber threat activity such as data breaches and cyberattacks. It protects firms from the costs of internet-based attacks on information governance, IT infrastructure, and information policy, which are frequently not covered by typical insurance products and commercial liability plans.

Global Insurance Market: Segmentation Analysis.

The Global Insurance Market is segmented based on Type, Organization Size, and Region.

Insurance Market, By Type

• Life Insurance
• Non-Life Insurance

Based on type, the market is segmented into life insurance and non-life insurance. The non-life insurance held the largest market share in 2022. Non-Life Insurance encompasses policies for property, auto, health, liability, and more, providing comprehensive protection against non-life-related risks. The demand for such coverage is driven by regulatory requirements, contractual obligations, economic activities, risk management needs, and affordability. Businesses and individuals alike seek insurance solutions to safeguard assets, ensure compliance, mitigate financial losses, and protect against unforeseen events, making Non-Life Insurance a preferred choice and enabling it to maintain the largest market share in 2022.

Insurance Market, By Organization Size

• Large Enterprises
• Small and Medium-sized Enterprises (SMEs)

Based on organization size, the market is segmented into large enterprises, and small and medium-sized enterprises (SMEs). The Large Enterprises held the largest market share in 2022. Large enterprises typically have higher risk exposure and complex operations, necessitating comprehensive insurance coverage to protect substantial assets and ensure business continuity. Their larger financial capacity allows them to invest more in insurance policies, and they often have contractual obligations and regulatory requirements that demand specific insurance coverage. Additionally, their global operations, employee benefit programs, and bargaining power with insurers contribute to their dominant position in the market. Overall, large enterprises' need for extensive insurance coverage and their ability to meet regulatory and contractual demands enable them to hold the largest market share in 2022.

Insurance Market, By Geography

• North America
• Europe
• The Asia Pacific
• Latin America
• Middle East and Africa
• On the basis of regional analysis, the global Insurance market is classified into North America, Europe, Asia Pacific, Latin America, and Middle East and Africa. Based on geography, North America accounted for the largest market share in 2022. North America boasts a robust and stable economy, making it an attractive region for insurance market growth. With steady GDP growth and relatively low unemployment rates, individuals and businesses in the region have increased financial security and confidence in their financial future. This economic stability translates into higher disposable income levels for consumers, allowing them to allocate more funds toward insurance coverage. Moreover, businesses with stable financial footing are more inclined to invest in comprehensive insurance policies to protect their assets, operations, and workforce. As a result, the insurance market in North America experiences a higher demand for a wide range of insurance products, including life insurance, health insurance, property insurance, liability insurance, and more.

Key Players

• The "Global Insurance Market" study report will provide valuable insight with an emphasis on the global market. The Global Insurance Market is highly fragmented with the presence of a few well-established players and several medium players. Some of the major companies include
• American International Group, AIA Group Limited, Allianz SE, AXA, Berkshire Hathaway, MetLife, United Health Group, Ping An Insurance, Cigna, and Zurich Insurance Group Ltd among others.

Key Developments

• In February 2022, AIA Group Limited announced that it has established a new Pan-Asian Health InsurTech business called 'Amplify Health', encompassing a joint venture entity with Discovery Group Limited ("Discovery") for Asia excluding Mainland China, Hong Kong and Macau and a separate entity wholly owned by AIA for these three markets.
• In July 2023, AXA announced that it has completed the acquisition of Groupe Assurances du Credit Mutuel Espana ("GACM Espana"). Under the terms of the transaction, AXA has acquired GACM Espana for a total cash consideration of Euro 310 million, in line with the announcement made upon signing of the agreement.

TABLE OF CONTENTS

1 INTRODUCTION OF THE GLOBAL INSURANCE MARKET

• 1.1 Overview of the Market
• 1.2 Scope of Report
• 1.3 Assumptions

2 EXECUTIVE SUMMARY

3 RESEARCH METHODOLOGY OF VERIFIED MARKET RESEARCH

• 3.1 Data Mining
• 3.2 Validation
• 3.3 Primary Interviews
• 3.4 List of Data Sources

4 GLOBAL INSURANCE MARKET OUTLOOK

• 4.1 Overview
• 4.2 Market Dynamics
  • 4.2.1 Drivers
  • 4.2.2 Restraints
  • 4.2.3 Opportunities
• 4.3 Porters Five Force Model
• 4.4 Value Chain Analysis

5 GLOBAL INSURANCE MARKET, BY TYPE

• 5.1 Overview
• 5.2 Life Insurance
• 5.3 Non-Life Insurance
  • 5.3.1 Health Insurance
  • 5.3.2 Motors Insurance
  • 5.3.3 Property Insurance
  • 5.3.4 Fire Insurance
  • 5.3.5 General Liability Insurance
  • 5.3.6 Marine Insurance
  • 5.3.7 Crop Insurance
  • 5.3.8 Others

6 GLOBAL INSURANCE MARKET BY ORGANIZATION SIZE

• 6.1 Overview
• 6.2 SMEs
• 6.3 Large Enterprises

7 GLOBAL INSURANCE MARKET, BY GEOGRAPHY

• 7.1 Overview
• 7.2 North America
  • 7.2.1 U.S.
  • 7.2.2 Canada
  • 7.2.3 Mexico
• 7.3 Europe
  • 7.3.1 Germany
  • 7.3.2 U.K.
  • 7.3.3 France
  • 7.3.4 Rest of Europe
• 7.4 Asia Pacific
  • 7.4.1 China
  • 7.4.2 Japan
  • 7.4.3 India
  • 7.4.4 Rest of Asia Pacific
• 7.5 Latin America
  • 7.5.1 Brazil
  • 7.5.2 Argentina
  • 7.5.3 Rest of Latin America
• 7.6 Middle East and Africa
  • 7.6.1 UAE
  • 7.6.2 Saudi Arabia
  • 7.6.3 South Africa
  • 7.6.4 Rest of MEA

8 GLOBAL INSURANCE MARKET COMPETITIVE LANDSCAPE

• 8.1 Overview
• 8.2 Company Market Ranking
• 8.3 Key Development Strategies

9 COMPANY PROFILES

• 9.1 American International Group
  • 9.1.1 Overview
  • 9.1.2 Financial Performance
  • 9.1.3 Product Outlook
  • 9.1.4 Key Developments
• 9.2 Allianz SE
  • 9.2.1 Overview
  • 9.2.2 Financial Performance
  • 9.2.3 Product Outlook
  • 9.2.4 Key Developments
• 9.3 AXA
  • 9.3.1 Overview
  • 9.3.2 Financial Performance
  • 9.3.3 Product Outlook
  • 9.3.4 Key Developments
• 9.4 Berkshire Hathaway Inc.
  • 9.4.1 Overview
  • 9.4.2 Financial Performance
  • 9.4.3 Product Outlook
  • 9.4.4 Key Developments
• 9.5 MetLife
  • 9.5.1 Overview
  • 9.5.2 Financial Performance
  • 9.5.3 Product Outlook
  • 9.5.4 Key Developments
• 9.6 United Health Group
  • 9.6.1 Overview
  • 9.6.2 Financial Performance
  • 9.6.3 Product Outlook
  • 9.6.4 Key Development
• 9.7 Ping An Insurance
  • 9.7.1 Overview
  • 9.7.2 Financial Performance
  • 9.7.3 Product Outlook
  • 9.7.4 Key Developments
• 9.8 Cigna
  • 9.8.1 Overview
  • 9.8.2 Financial Performance
  • 9.8.3 Product Outlook
  • 9.8.4 Key Developments
• 9.9 Zurich Insurance Group Ltd
  • 9.9.1 Overview
  • 9.9.2 Financial Performance
  • 9.9.3 Product Outlook
  • 9.9.4 Key Developments
• 9.10 AIA Group Limited
  • 9.10.1 Overview
  • 9.10.2 Financial Performance
  • 9.10.3 Product Outlook
  • 9.10.4 Key Developments

10 KEY DEVELOPMENTS

• 10.1 Product Launches/Developments
• 10.2 Mergers and Acquisitions
• 10.3 Business Expansions
• 10.4 Partnerships and Collaborations

11 Appendix

• 11.1 Related Research