英国におけるHCP (Health Cash Plan) の市場

Abstract

The health cash plan (HCP) market is thought to be on the verge of a revival. Recent years have seen the pool of HCP subscribers steadily recede, partly reflecting a contraction in supply, and as rising household wealth has reduced demand for cover. Yet this trend is set for reversal, with new innovations boosting interest in the product and with more people being forced to migrate to the private sector, particularly with regards to dentistry.

This report examines these issues and developments in detail and additionally offers readers:

• an investigation into the internal and broader macroeconomic, social and demographic factors impacting on the market
• an overview of the market' s competitive context; its strengths and weaknesses
• the views of leading experts
• an examination of recent and projected market growth
• an appraisal of the supply side of the market, including market shares of the largest HCP providers
• an assessment of recent product innovation, distribution and promotional activity
• the results of independently commissioned consumer research, providing an insight into the leading characteristics, attitudes and behaviours of HCP subscribers and potential prospects
• the consumer survey also examines people' s health status and their experiences of accessing treatment on the NHS.

Table of Contents

• Issues in the Market
• Key issues examined
• Market definitions
• Abbreviations
• Market in Brief
• A fairly small market, but with much potential
• A number of factors give fresh impetus to the market
• Individual and employee-paid policies represent the bulk of in-force business
• Providers managing claim costs well, given the sharp rise in their volume...
• ...and have successfully diversified into new areas
• One organisation controls nearly half the market
• Most HCPs are sold through direct channels
• The main findings of Mintel' s consumer survey
• Results show a healthy subscriber base
• Dental and optical benefits top the rankings
  • Figure 1: HCP benefits in order of popularity, by HCP subscribers (illustration), July 2007
• Potential to increase HCP penetration fivefold
  • Figure 2: Potential size of the HCP subscriber base (illustration), July 2007
• Broader Market Environment
• Key points
• Slower income growth will drive demand for affordable healthcare
  • Figure 3: Total PDI, consumer expenditure and PDI per capita, at constant 2003 prices, 2003-12
• Implication and opportunity
• Household spend on healthcare rises by a fifth in just three years
  • Figure 4: Household expenditure on healthcare and hospital services, by component, 2005/06
• Implication and opportunity
• Reduced NHS investment post-2008
• The impact of changing lifestyles and working patterns
• Extending patient choice
• Implication and opportunity
• The SME market
  • Figure 5: Number of private sector enterprises, employees and turnover -- UK, start 2006
• Implication and opportunity
• Strong demand for health cover among employees
  • Figure 6: Top ten company benefits and ten most desired, January 2007
• Weighing up the costs
• Implication and opportunity
• Diversifying into new markets: occupational health
• Internal Market Environment
• Key points
• Claims ratio remains within predictable parameters
  • Figure 7: Claim amounts incurred and claims as a proportion of contribution income earned, 2000-06
• Implication
• Dental treatment accounts for the largest proportion of claims
  • Figure 8: Proportional distribution of claims (volume and value), by benefit category, 2005 and 2006
• Fewer visit the dentist post-April 2006
  • Figure 9: Active patient registrations in England and Wales, 2003-06
• All change
• Implication and opportunity
• New NHS price bands
  • Figure 10: Dental charges in England, 2007
• Two thirds of adults wear specs or lenses
• Voucher entitlements
• Millions get their eyes tested each year
• Sight test fees
• Competitive Context
• Key points
• Dental plans appear more popular than cash plans...
  • Figure 11: Penetration of HCPs and related health insurance products, July 2007
• ...with demand boosted by the decline in NHS dentistry
• New affordable PMI poses threat to cash plans
• PMI: a market revived
  • Figure 12: Number of PMI subscribers, people covered and gross earned premiums, 2002-07
• Implication and opportunity (or threat?)
• Healthy demand for OH services is a positive trend
  • Figure 13: Size of the UK market for occupational health provision, 2002-06
• Strengths and Weaknesses
  • Figure 14: HCPs -- SWOT analysis, 2007
• Market Size and Forecast
• Key points
• HCP market at a crucial turning point
  • Figure 15: Number of HCP subscribers, people covered and contribution income earned, 2002-07
• Contributing factors to recent decline
• A fresh approach needed?
• The corporate sector represents a silver lining
  • Figure 16: Proportional distribution of HCP subscriber base, by sector, 2006
• Competitive pressures depress premium inflation
  • Figure 17: Average HCP premium, by sector, 2002-07
• Implication
• Standard scenario predicts steady growth
  • Figure 18: Forecast of HCP subscribers and contribution income earned -- standard scenario, 2007-12
• Note about the forecast
• Positive scenario assumes faster premium growth
  • Figure 19: Forecast of HCP subscribers and contribution income earned -- positive scenario, 2007-12
• Factors incorporated
• Market Share
• Key points
• Contraction in supply
• Not-for-profit organisations dominate the HCP market
  • Figure 20: HCP provider rankings, by contribution income, 2005 and 2006
• Market leader, Simplyhealth controls almost half the market
  • Figure 21: Illustration of HCP providers' market shares, 2005 and 2006
• Companies and Products
• Simplyhealth Group
• Westfield Health
• BHSF
• Medicash
• Brand Communication and Promotion
• Key points
• Total industry adspend stabilises...
  • Figure 22: Total advertising expenditure on HCPs and other health insurance products, 2002/03-2006/07
• ...although many HCP providers cut back on advertising
  • Figure 23: Advertising expenditure by selected HCP providers, 2004/05-2006/07
• Providers prefer to advertise in the press
  • Figure 24: Distribution of advertising expenditure for selected HCP providers, by media type, 2006/07
• HSA' s ' crazy' ad
• Event sponsorship and charitable work
• Channels to Market
• Key points
• Direct sales dominate
  • Figure 25: Proportional distribution of HCP sales, by channel, 2005 and 2006
• Implication and opportunity
• The workplace remains an important marketing channel
• Online advances
• The Consumer -- Product Penetration
• Key points
• Survey background
• Low penetration of health cash plans
  • Figure 26: Ownership of HCPs and other related products, July 2007
• Assessing penetration: a note about the data
• Significant product overlap
  • Figure 27: Ownership of HCPs and other related products -- cross-analysis, July 2007
• Implication
• Are health cash plans losing out to dental plans?
  • Figure 28: Trends in ownership of HCPs and other health products, 2003-07
• Implication and opportunity
• The typical HCP subscriber is aged 35-64
• Implication and opportunity
• CHAID analysis
  • Figure 29: Target groups identified for health insurance products, July 2007
• Implication and opportunity
• The Consumer -- Health Status and Health Needs
• Key points
• HCP subscribers are very health-conscious
  • Figure 30: Health status, by ownership of HCPs and related products, July 2007
  • Figure 31: Health status of HCP subscribers versus total sample (illustration), July 2007
• Over-55s watch their diet
  • Figure 32: Health status, by gender and age, July 2007
• HCP subscribers most likely to use the services of a health professional
  • Figure 33: Health check-ups and other experiences, by ownership of HCPs and related products, July 2007
  • Figure 34: Health check-ups and other experiences, by ownership of HCPs and related products, July 2007
• Implication and opportunity
• Why are men less likely to go to the doctors?
  • Figure 35: Health check-ups and other experiences, by gender, July 2007
• Implication and opportunity
• Two fifths of over-65s have not visited a dentist in the past two years
  • Figure 36: Health check-ups and other experiences, by age, July 2007
• Implication and opportunity
• Londoners least likely to visit a GP or a dentist
  • Figure 37: Health check-ups and other experiences, by region, July 2007
• Implication and opportunity
• Difficulty registering with NHS dentist is a likely catalyst for taking out an HCP or dental plan
  • Figure 38: Proportion of adults who have had difficulty accessing health advice or treatment, by ownership of HCPs and related products, July 2007
• Implication and opportunity
• 25-34-year-olds face problems accessing NHS dental treatment
  • Figure 39: Proportion of adults who have had difficulty accessing health advice or treatment, by gender and age, July 2007
• Londoners are over 50% more likely to say they' ve had problems registering with a GP
  • Figure 40: Proportion of adults who have had difficulty accessing health advice or treatment, by region, July 2007
• Product Penetration -- Detailed Demographics
  • Figure 54: Ownership of HCPs and related products, by gender, age, socio-economic group, marital status, lifestage, Mintel' s Special Groups and working status, July 2007
  • Figure 55: Ownership of HCPs and related products, by tenure, gross annual household income, region and ACORN category, July 2007
  • Figure 56: Ownership of HCPs and related products, by new technology usage, newspaper readership, commercial TV viewing and supermarket usage, July 2007