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Report
Middle East and Africa Health Insurance Market, By Insurance Type (Public, Private), By Term of Coverage (Lifetime Coverage, Term Coverage), By Mode of Purchase (Direct Company Representatives, Online Portal, Insurance Agent), By Country, Competition, Forecast & Opportunities, 2020-2030F
Market Report I 2025-02-28 I 131 Pages I TechSci Research
The Middle East and Africa (MEA) Health Insurance Market was valued at USD 139.96 billion in 2024 and is projected to reach USD 227.09 billion by 2030, growing at a compound annual growth rate (CAGR) of 8.46% during the forecast period. This market expansion is driven by escalating healthcare costs, an increasing incidence of chronic diseases, and heightened awareness of health coverage. Key growth factors include government initiatives, mandatory insurance policies, and the growing involvement of the private sector. Additionally, the integration of digitalization and telemedicine is improving accessibility and efficiency across the sector. Countries such as the UAE, Saudi Arabia, and South Africa are experiencing notable growth due to regulatory reforms and expanding employer-sponsored insurance programs. However, challenges such as affordability, limited penetration in rural areas, and complex regulations persist. Despite these obstacles, market growth is sustained by economic development and improvements in healthcare infrastructure.
Key Market Drivers
Rising Prevalence of Chronic Diseases and Escalating Healthcare Costs
The increasing prevalence of chronic diseases, including diabetes, cardiovascular conditions, cancer, and respiratory disorders, is a primary driver for the MEA health insurance market. Sedentary lifestyles, urbanization, and poor dietary habits have contributed to the rise in non-communicable diseases (NCDs), leading to heightened demand for healthcare services. According to the 2024 Health Statistics Bulletin by the General Authority for Statistics, 18.95% of adults (15 years and older) and 9.4% of children (under 15) are affected by chronic diseases, thus driving higher demand for health insurance coverage.
Key Market Challenges
Affordability and Low Insurance Penetration
A significant challenge in the MEA health insurance market is affordability, particularly in low-income regions of Africa, where private health insurance is often inaccessible due to high premiums. Many individuals rely on out-of-pocket payments for healthcare services, limiting the adoption of insurance. In Africa, where the majority of the population earns low wages, comprehensive health insurance remains out of reach. Even in the Middle East, where mandatory health insurance is legislated in countries like the UAE and Saudi Arabia, lower-income expatriate workers often face difficulties affording adequate coverage.
Key Market Trends
Growth of Government-Led Universal Health Coverage (UHC) Initiatives
Governments throughout the MEA region are focused on expanding universal health coverage (UHC) to ensure broader access to healthcare. Many countries are introducing mandatory health insurance and launching national programs to cover their populations. This trend is particularly evident in Gulf Cooperation Council (GCC) countries and parts of Africa, where governments are taking active roles in healthcare financing.
For example, the UAE and Saudi Arabia have implemented compulsory health insurance for all residents, with employers required to provide coverage for their employees. These initiatives have significantly increased insurance penetration and encouraged private sector involvement. In Africa, countries such as Kenya, Ghana, and Rwanda have introduced national health insurance schemes to reduce out-of-pocket expenses and improve access to healthcare for low-income populations.
Key Market Players
- Bupa Arabia for Cooperative Insurance Company
- Qatar Insurance Company Q.S.P.C.
- Orient Insurance PJSC
- Iran Insurance Company
- The Company for Cooperative Insurance (Tawuniya)
- Sanlam Limited
- Al Sagr National Insurance Company (PSC)
- Abu Dhabi National Insurance Company (ADNIC)
- Allianz Group
- Adamjee Insurance Company Limited
Report Scope:
The report segments the Middle East and Africa Health Insurance Market into the following categories, highlighting key industry trends:
- Insurance Type: Public, Private
- Term of Coverage: Lifetime Coverage, Term Coverage
- Mode of Purchase: Direct Company Representatives, Online Portal, Insurance Agent
- By Country: Saudi Arabia, UAE, Iran, Qatar, Egypt, South Africa, Nigeria, Turkey, Rest of the Middle East and Africa
Competitive Landscape
This report includes an in-depth analysis of the major companies operating in the Middle East and Africa Health Insurance Market.
Available Customizations:
The Middle East and Africa Health Insurance Market report, with the detailed market data, is available with customizations tailored to a company's specific needs. Customization options include:
- Company Information: Detailed analysis and profiling of additional market players (up to five).
1. Introduction
1.1. Market Overview
1.2. Key Highlights of the Report
1.3. Market Coverage
1.4. Market Segments Covered
1.5. Research Tenure Considered
2. Research Methodology
2.1. Methodology Landscape
2.2. Objective of the Study
2.3. Baseline Methodology
2.4. Formulation of the Scope
2.5. Assumptions and Limitations
2.6. Sources of Research
2.7. Approach for the Market Study
2.8. Methodology Followed for Calculation of Market Size & Market Shares
2.9. Forecasting Methodology
3. Executive Summary
3.1. Market Overview
3.2. Market Forecast
3.3. Key Country
3.4. Key Segments
4. Voice of Customer Analysis
4.1. Source of Information
4.2. Brand Awareness
4.3. Factors Influencing Availing Decision
5. Middle East and Africa Health Insurance Market Outlook
5.1. Market Size & Forecast
5.1.1. By Value
5.2. Market Share & Forecast
5.2.1. By Insurance Type Market Share Analysis (Public, Private)
5.2.2. By Term of Coverage Market Share Analysis (Lifetime Coverage, Term Coverage)
5.2.3. By Mode of Purchase Market Share Analysis (Direct Company Representatives, Online Portal, Insurance Agent)
5.2.4. By Country Market Share Analysis
5.2.4.1. Saudi Arabia Market Share Analysis
5.2.4.2. UAE Market Share Analysis
5.2.4.3. Iran Market Share Analysis
5.2.4.4. Qatar Market Share Analysis
5.2.4.5. Egypt Market Share Analysis
5.2.4.6. South Africa Market Share Analysis
5.2.4.7. Nigeria Market Share Analysis
5.2.4.8. Turkey Market Share Analysis
5.2.4.9. Rest of Middle East and Africa Market Share Analysis
5.2.5. By Top 5 Companies Market Share Analysis, Others (2024)
5.3. Middle East and Africa Health Insurance Market Mapping & Opportunity Assessment
5.3.1. By Insurance Type Market Mapping & Opportunity Assessment
5.3.2. By Term of Coverage Market Mapping & Opportunity Assessment
5.3.3. By Mode of Purchase Market Mapping & Opportunity Assessment
5.3.4. By Country Market Mapping & Opportunity Assessment
6. Saudi Arabia Health Insurance Market Outlook
6.1. Market Size & Forecast
6.1.1. By Value
6.2. Market Share & Forecast
6.2.1. By Insurance Type Market Share Analysis
6.2.2. By Term of Coverage Market Share Analysis
6.2.3. By Mode of Purchase Market Share Analysis
7. UAE Health Insurance Market Outlook
7.1. Market Size & Forecast
7.1.1. By Value
7.2. Market Share & Forecast
7.2.1. By Insurance Type Market Share Analysis
7.2.2. By Term of Coverage Market Share Analysis
7.2.3. By Mode of Purchase Market Share Analysis
8. Iran Health Insurance Market Outlook
8.1. Market Size & Forecast
8.1.1. By Value
8.2. Market Share & Forecast
8.2.1. By Insurance Type Market Share Analysis
8.2.2. By Term of Coverage Market Share Analysis
8.2.3. By Mode of Purchase Market Share Analysis
9. Qatar Health Insurance Market Outlook
9.1. Market Size & Forecast
9.1.1. By Value
9.2. Market Share & Forecast
9.2.1. By Insurance Type Market Share Analysis
9.2.2. By Term of Coverage Market Share Analysis
9.2.3. By Mode of Purchase Market Share Analysis
10. Egypt Health Insurance Market Outlook
10.1. Market Size & Forecast
10.1.1. By Value
10.2. Market Share & Forecast
10.2.1. By Insurance Type Market Share Analysis
10.2.2. By Term of Coverage Market Share Analysis
10.2.3. By Mode of Purchase Market Share Analysis
11. South Africa Health Insurance Market Outlook
11.1. Market Size & Forecast
11.1.1. By Value
11.2. Market Share & Forecast
11.2.1. By Insurance Type Market Share Analysis
11.2.2. By Term of Coverage Market Share Analysis
11.2.3. By Mode of Purchase Market Share Analysis
12. Nigeria Health Insurance Market Outlook
12.1. Market Size & Forecast
12.1.1. By Value
12.2. Market Share & Forecast
12.2.1. By Insurance Type Market Share Analysis
12.2.2. By Term of Coverage Market Share Analysis
12.2.3. By Mode of Purchase Market Share Analysis
13. Turkey Health Insurance Market Outlook
13.1. Market Size & Forecast
13.1.1. By Value
13.2. Market Share & Forecast
13.2.1. By Insurance Type Market Share Analysis
13.2.2. By Term of Coverage Market Share Analysis
13.2.3. By Mode of Purchase Market Share Analysis
14. Market Dynamics
14.1. Drivers
14.2. Challenges
15. Market Trends & Developments
16. SWOT Analysis
16.1. Strengths
16.2. Weaknesses
16.3. Opportunities
16.4. Threats
17. Competitive Landscape
17.1. Company Profiles
17.1.1. Bupa Arabia for Cooperative Insurance Company
17.1.1.1. Company Details
17.1.1.2. Products & Services
17.1.1.3. Financials (As Per Availability)
17.1.1.4. Key Market Focus & Geographical Presence
17.1.1.5. Recent Developments
17.1.1.6. Key Management Personnel
17.1.2. Qatar Insurance Company Q.S.P.C.
17.1.2.1. Company Details
17.1.2.2. Products & Services
17.1.2.3. Financials (As Per Availability)
17.1.2.4. Key Market Focus & Geographical Presence
17.1.2.5. Recent Developments
17.1.2.6. Key Management Personnel
17.1.3. Orient Insurance PJSC
17.1.3.1. Company Details
17.1.3.2. Products & Services
17.1.3.3. Financials (As Per Availability)
17.1.3.4. Key Market Focus & Geographical Presence
17.1.3.5. Recent Developments
17.1.3.6. Key Management Personnel
17.1.4. Iran Insurance Company
17.1.4.1. Company Details
17.1.4.2. Products & Services
17.1.4.3. Financials (As Per Availability)
17.1.4.4. Key Market Focus & Geographical Presence
17.1.4.5. Recent Developments
17.1.4.6. Key Management Personnel
17.1.5. The Company for Cooperative Insurance (Tawuniya)
17.1.5.1. Company Details
17.1.5.2. Products & Services
17.1.5.3. Financials (As Per Availability)
17.1.5.4. Key Market Focus & Geographical Presence
17.1.5.5. Recent Developments
17.1.5.6. Key Management Personnel
17.1.6. Sanlam Limited
17.1.6.1. Company Details
17.1.6.2. Products & Services
17.1.6.3. Financials (As Per Availability)
17.1.6.4. Key Market Focus & Geographical Presence
17.1.6.5. Recent Developments
17.1.6.6. Key Management Personnel
17.1.7. Al Sagr National Insurance Company (PSC)
17.1.7.1. Company Details
17.1.7.2. Products & Services
17.1.7.3. Financials (As Per Availability)
17.1.7.4. Key Market Focus & Geographical Presence
17.1.7.5. Recent Developments
17.1.7.6. Key Management Personnel
17.1.8. Abu Dhabi National Insurance Company (ADNIC)
17.1.8.1. Company Details
17.1.8.2. Products & Services
17.1.8.3. Financials (As Per Availability)
17.1.8.4. Key Market Focus & Geographical Presence
17.1.8.5. Recent Developments
17.1.8.6. Key Management Personnel
17.1.9. Allianz Group
17.1.9.1. Company Details
17.1.9.2. Products & Services
17.1.9.3. Financials (As Per Availability)
17.1.9.4. Key Market Focus & Geographical Presence
17.1.9.5. Recent Developments
17.1.9.6. Key Management Personnel
17.1.10. Adamjee Insurance Company Limited
17.1.10.1. Company Details
17.1.10.2. Products & Services
17.1.10.3. Financials (As Per Availability)
17.1.10.4. Key Market Focus & Geographical Presence
17.1.10.5. Recent Developments
17.1.10.6. Key Management Personnel
18. Strategic Recommendations
18.1. Key Focus Areas
18.2. Target Insurance Type
18.3. Target Term of Coverage
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