日本健康保险行业市场前景及投资研究报告-培训课件外文版2024.6平安人保友邦

40

60

800100120140160InpatientservicesOutpatientservices134.3123.9Pharmacydispensing25.1Dentaltreatment62.8FoodandlivingexpensesduringhospitalizationOtherexpenses5.93.1Visitingnursingcare3.821Description:Inthefiscalyear2021,annualnationalmedicalexpensespercapitainJapanforinpatientservicesamountedtoapproximately134.3thousandJapaneseyen.Thatyear,thetotalamountofaveragemedicalserviceexpendituresperpersonstoodataround358.8thousandyen.NationalmedicalcareexpenditurereferstothetotalofpublicfundingandmedialexpenditurepaidbypatientsinJapan,aswellaspaymentsthroughJapanesehealthinsuranceandsuch.ReadmoreNote(s):Japan;fiscalyear2021;theJapanesefiscalyearstartsonApril1ofthestatedyearandendsonMarch31ofthefollowingyearSource(s):MHLW(Japan);StatisticsBureauofJapanAverageannualexpenditureperhouseholdonmedicalservicesinJapanin2022,bycategory(inJapaneseyen)AnnualexpensesformedicalservicesperhouseholdJapan2022,bycategoryExpenditureperhouseholdinJapaneseyen05,00010,00015,00020,00017,88125,00030,00035,00040,000MedicaltreatmentDentaltreatment35,812Feesforacompletemedicalcheckupetc.Othermedicalservices11,6563,5063,3563,1792,764DeliveryfeesOtherhospitalchargesOsteopathic,acupunctural,moxibusticservicesChargesformassageetc.(notasmedicalexamination/treatment)52222Description:In2022,householdsinJapanspentanaverageofaround35.8thousandJapaneseyenonmedicaltreatmentsand17.9thousandyenondentaltreatments.Thatyear,familiesinJapanutilizedyearlyexpensesofover78.7thousandyenonaverageformedicalservices.ReadmoreNote(s):Japan;2022;7,999householdsSource(s):e-Stat(Japan)CHAPTER

04Employer-basedhealthinsuranceNumberofpeoplecoveredbyemployeehealthinsuranceinJapaninfiscalyear2020,bysystem(in1,000s)NumberofpeoplecoveredbyemployeehealthinsuranceJapanFY2020,bysystemNumberofpeopleinthousands10,000

15,00005,00020,00025,00030,000JapanHealthInsuranceAssociationSociety-ManagedHealthInsuranceMutualinsurancecooperative*24,87716,4194,562Seamen'sInsuranceSystem

58Article3paragraph2oftheAct**

1124Description:Infiscalyear2020,amongpeoplecoveredbytheemployeehealthinsurancesystem,around25millionpeoplewerecoveredbytheJapanHealthInsuranceAssociation,accountingforthelargestnumber.Society-ManagedHealthInsuranceaccountedforthesecondlargest,witharound16.4millioninsuredpeople.ReadmoreNote(s):Japan;fiscalyear2020;theJapanesefiscalyearstartsonApril1ofthestatedyearandendsonMarch31ofthefollowingyearSource(s):JapanHealthInsuranceAssociationAnnualexpensesforemployeehealthinsuranceinJapaninfiscalyear2020,bysystem(inbillionJapaneseyen)AnnualexpensesforemployeehealthinsuranceJapanFY2020,bysystemCostsinbillionJapaneseyen2,000

3,000

4,00001,0005,0006,0007,0008,000JapanHealthInsuranceAssociationSociety-ManagedHealthInsurance7,264.44,486.9Seamen'sInsuranceSystem

23Article3paragraph2oftheAct*

0.825Description:Infiscalyear2020,amongemployeehealthinsurancesystemsinJapan,theannualexpenseswerehighestfortheJapanHealthInsuranceAssociation,ataround7.26trillionJapaneseyen.TheannualexpensesforSociety-ManagedHealthInsurancefollowed,witharound4.5trillionJapaneseyen.ReadmoreNote(s):Japan;fiscalyear2020;theJapanesefiscalyearstartsonApril1ofthestatedyearandendsonMarch31ofthefollowingyear;*Theinsuranceforthosewhoareemployedonadailybasisorthosewhoareemployedforafixedperiodof[...]

ReadmoreSource(s):JapanHealthInsuranceAssociationMedicalexpenseoftheJapanHealthInsuranceAssociationinfiscalyear2020,bytype(inbillionJapaneseyen)MedicalexpenseoftheJapanHealthInsuranceAssociationFY2020bytypeMedicalexpensesinbillionJapaneseyen05001,0001,5002,0002,5003,0002,817.1OutpatientHospitalization1,987.5Medication1,434.3Dental829.4MedicalTreatment113.753.928.5HospitalizationMeals&LivingExpenses*HomeNursingCareTransportationFee

0.0126Description:Infiscalyear2020,outpatienttreatmentcostsaccountedforthelargestportionofthemedicalexpensesoftheJapanHealthInsuranceAssociation,amountingtoapproximately2.8trillionJapaneseyen.Hospitalizationcostsaccountedforthesecondlargest,totalingapproximatelytwotrillionyen.ReadmoreNote(s):Japan;fiscalyear2020;theJapanesefiscalyearstartsonApril1ofthestatedyearandendsonMarch31ofthefollowingyear;*Excludingstandardcopay.100Japaneseyenequal0.68U.S.dollarsor0.63eurosasofFebruary2024.

Figures[...]

ReadmoreSource(s):JapanHealthInsuranceAssociationInsurancebenefitcostsoftheJapaneseHealthInsuranceAssociationinfiscalyear2020,bytype(inbillionJapaneseyen)InsurancebenefitcostsoftheJapaneseHealthInsuranceAssociationFY2020,bytypeInsurancebenefitcostsinbillionJapaneseyen05001,0001,5002,0002,500OutpatientHospitalization2,130.41,766.4Medication1,061.1Dental589.6SicknessAllowance261.2MaternityandChildcareAllowanceMaternityAllowanceMedicalTreatment15484.580.336.6High-costMedicalTreatmentHomeNursingCare21.117.9HospitalizationMeals&LivingExpenses*BurialFee2OtherMedicalBenefits

0.0427Description:Infiscalyear2020,theinsurancebenefitcostoftheJapaneseHealthInsuranceAssociationforoutpatienttreatmentamountedtothehighest,accountingforaround2.1trillionJapaneseyen.TheinsurancebenefitcostoftheJapaneseHealthInsuranceAssociationforhospitalizationfollowed,witharound1.8trillionyen.ReadmoreNote(s):Japan;fiscalyear2020;theJapanesefiscalyearstartsonApril1ofthestatedyearandendsonMarch31ofthefollowingyear;*Excludingstandardcopay.100Japaneseyenequal0.68U.S.dollarsor0.63eurosasofFebruary2024.

Figures[...]

ReadmoreSource(s):JapanHealthInsuranceAssociationCHAPTER

05PrivatehealthinsuranceNumberofsmallamountandshort-terminsurance(SASTI)companiesinJapaninfiscalyear2022,bytypeNumberofsmallamountandshort-terminsurersinJapanFY2022,bytype60525040323027201009HouseholdcontentsLifeandhealthExpenseandotherPet29Description:Inthefiscalyear2022,around32smallamountandshort-terminsurancecompaniesinJapanofferedlifeandmedical-careinsuranceproducts.Intotal,therewerearound120so-calledmini-insurers.

ReadmoreNote(s):Japan;fiscalyear2022;theJapanesefiscalyearstartsonApril1ofthestatedyearandendsonMarch31ofthefollowingyearSource(s):TheSmallAmount&ShortTermInsuranceAssociationofJapanAverageannualhouseholdexpenditureonprivatemedicalinsurancepremiumsperhouseholdinJapanfrom2015to2022(in1,000Japaneseyen)AnnualexpensesformedicalinsuranceperhouseholdinJapan2015-20222017.8217.8117.717.5217.31816141210816.9115.7215.664202015201620172018201920202021202230Description:In2022,householdsinJapanspentanaverageofaround17.8thousandJapaneseyenonprivatemedicalinsurancepremiums.Theaverageexpenditureperhouseholdincreasedfrom17.3thousandyeninthepreviousyear.

ReadmoreNote(s):Japan;2015to2022;basedonfamilyincomeandexpendituresurveySource(s):e-Stat(Japan);MinistryofInternalAffairsandCommunications(Japan)ValueofnewcontractsforprivatemedicalinsuranceinJapanfromfiscalyear2018to2022(inbillionJapaneseyen)ValueofnewcontractsforprivatemedicalinsuranceJapanFY2018-20221201001001001001001008060402002018201920202021202231Description:Infiscalyear2022,thevalueofnewcontractsforprivatemedicalinsuranceinJapanamountedtoaround100billionJapaneseyen.Thefigureremainedconstantat100billionyenfrom2018to2022.

ReadmoreNote(s):Japan;fiscalyear2018to2022;theJapanesefiscalyearstartsonApril1ofthestatedyearandendsonMarch31ofthefollowingyearSource(s):LIAJNumberofnewprivatehealthinsurancepoliciesinJapanfromfiscalyear2018to2022(inmillions)NumberofnewprivatehealthinsurancepoliciesJapanFY2018-20224.03.623.53.453.463.53.02.52.01.51.00.50.03.192018201920202021202232Description:Inthefiscalyear2022,3.46millionnewprivatehealthinsurancepoliciesweretakenoutatlifeinsurancecompaniesinJapan.Thefiguredecreasedcomparedto3.62millioninthepreviousyear.

ReadmoreNote(s):Japan;fiscalyear2018to2022;theJapanesefiscalyearstartsonApril1ofthestatedyearandendsonMarch31ofthefollowingyearSource(s):LIAJNumberofinsurancepolicieswithhospitalizationandsurgerycoverageinJapaninfiscalyear2022,bytype(inmillions)NumberofinsurancepolicieswithhospitalizationcoverageJapanFY2022,bytypeNumberofpoliciesinmillions020406080100120SurgerycoverageIllnesshospitalizationcoverageDisasterhospitalizationcoverage105.677.475.9733Description:Infiscalyear2022,thenumberofpolicieswithsurgerycoverageinJapanamountedto105.6million.Thenumberofpolicieswithillnesshospitalizationcoverageamountedto77.4millioninthesameyear.

ReadmoreNote(s):Japan;fiscalyear2022;theJapanesefiscalyearstartsonApril1ofthestatedyearandendsonMarch31ofthefollowingyearSource(s):LIAJExpenseforhospitalizationbenefitsinJapanfromfiscalyear2018to2022(inbillionJapaneseyen)ExpensesforhospitalizationbenefitsJapanFY2018-20221,6001,4001,2001,0001,411.9762.28006004002000733715.9702.12018201920202021202234Description:Infiscalyear2022,theexpensesforhospitalizationbenefitsinJapanamountedtoaround1.4trillionJapaneseyen.Thefigureincreasedremarkablycomparedtoaround762billionyeninthepreviousyear.

ReadmoreNote(s):Japan;fiscalyear2018to2022;theJapanesefiscalyearstartsonApril1ofthestatedyearandendsonMarch31ofthefollowingyearSource(s):LIAJCHAPTER

06LifeinsuranceShareofpeoplewithlifeinsuranceinJapanfrom2001to2022LifeinsuranceownershiprateinJapan2001-202283.0%82.1%82.0%81.5%81%81.0%80.0%79.0%78.0%77.0%79.9%79.8%79.2%77.9%200477.7%2001200720102013201620192022*36Description:InasurveyconductedinJapanin2022,around79.8percentofrespondentsreportedbeingcoveredbylifeinsurance.Thehighestownershiprateoflifeinsuranceinthesurveyedperiodwasrecordedin2019,at82.1percent.

ReadmoreNote(s):Japan;2001to2022;4,844respondents;18-79years*;interviewsandleavingmethod;*Theagerangeofsurveyparticipantswas18to69inprevioussurveys.Accordingly,thefigureof2022isnotcomparablewithfiguresofpreviousyears.[...]

ReadmoreSource(s):CentralResearchServices;JapanInstituteofLifeInsuranceNumberoflifeinsurancecompaniesinJapanfrom2017to2023NumberoflifeinsurersinJapan2017-202345424242424141414035302520151050201720182019202020212022202337Description:AsofMarch2023,42lifeinsurancecompanieswereoperatinginJapan.Intermsofpremiumandotherincome,privatesectorcompaniesaccountedforthelargestshareofꢀthelifeinsurancemarketinJapan.

ReadmoreNote(s):Japan;2017to2023;asofMarcheachyear;figuresrepresentthenumberofmembersofTheLifeInsuranceAssociationofJapanSource(s):LIAJNumberofindividuallifeinsurancepoliciesinforceinJapanfromfiscalyear2013to2022(inmillions)NumberofindividuallifeinsurancepoliciesinforceinJapanFY2013-2022250194.58193.01200190.24187.48181.29173.02167.72160.11151.73143.88150100500201320142015201620172018201920202021202238Description:ThenumberofindividuallifeinsurancepoliciesinforceinJapanamountedtoaround194.6millioninfiscalyear2022,continuingtheupwardtrendofpreviousyears.Atthesametime,thevalueofindividualinsurancepoliciesinforcecontinuedtodecrease.ReadmoreNote(s):Japan;fiscalyears2013to2022;theJapanesefiscalyearstartsonApril1ofthestatedyearandendsonMarch31ofthefollowingyearSource(s):LIAJNumberofindividuallifeinsurancepoliciesinforceinJapaninfiscalyear2022,bytype(inmillions)NumberofindividuallifeinsurancepoliciesinforceinJapanFY2022,bytypeNumberofpoliciesinmillions05101520253035404550HealthinsuranceWholelifeinsurance44.4437.57Terminsurance28.76Cancerinsurance25.3EndowmentinsuranceJuvenileinsurance9.016.825.465.174.11WholelifewithtermriderWholelifewithvariableaccumulationriderVariableinsuranceOthers27.939Description:Witharound44.4millionpoliciesinforce,healthinsurancerepresentedtheleadingtypeofindividuallifeinsuranceinJapaninfiscalyear2022.Thetotalnumberofindividuallifeinsurancepoliciesinforceincreasedyearonyear,continuingtheupwardtrendoftherecentyears.ReadmoreNote(s):Japan;fiscalyear2022;theJapanesefiscalyearstartsonApril1ofthestat