The Private Health Insurance Market in Europe: Future Trends, Emerging Opportunities And Key Players

The Private Health Indemnity Market in Europe: Future trends, emerging opportunities and key players

The Private Health Indemnity Market in Europe: Future trends, emerging opportunities and key players

Free Online Articles Directory

Why Submit Articles?
Top Authors
Top Articles

Publish Article

0 && $ .browser.msie ) {
var ie_version = parseInt($ .browser.version);
if(ie_version Login

Login via

My Home
Sign Out



Remember me?
Lost Password?

Home Page > Health > The Private Health Insurance Market in Europe: Future trends, emerging opportunities and key players

AdvertisingArts & EntertainmentAutomotiveBeautyBusinessCareersComputersEducationFinanceFood and BeverageHealthHobbiesHome and FamilyHome ImprovementInternetLawMarketingNews and SocietyRelationshipsSelf ImprovementShoppingSpiritualitySports and FitnessTechnologyTravelWriting


The Private Health Indemnity Market in Europe: Future trends, emerging opportunities and key players

By: Visionshopsters
Posted: Jul 21, 2010
Views: 205

The dynamics of healthcare funding in Europe is changing. As governments review their options to meet growing healthcare demands with limited resources, the potential to combine cost reduction with new funding sources will gain support in many countries. Reimbursement decisions in the public sector are becoming increasingly tougher for pharmaceutical and diagnostic manufacturers; the private market offers a potential alternative send to gaining market access.
Private insurers currently play differing roles in European inhabitant healthcare systems. This report reviews their role in the major European markets and provides an insight into trends in their coverage of health benefits and products. It highlights selected product areas everywhere private indemnity could fill the gaps in public reimbursement . An insight into the European private indemnity industry, including overall trends and profiles of leading insurers, provides an indication of future developments within the sector and highlights potential opportunities for pharmaceutical and diagnostic companies to work with private insurers.

Key features of this report

• Reviews healthcare systems and the role of private insurers in the five major European markets of France, Germany, Italy, Spain and the UK.
• Analyzes the healthcare systems in the Netherlands and Switzerland, everywhere mandatory health indemnity is bought from private insurers in commission in regulated competitive models. These have parallels with the State of Massachusetts’ system, which has been considered a blueprint for other US states and for federal reform.
• Examines some of the issues in gaining market access for pharmaceuticals and diagnostics through coverage by private health insurers and highlights initiatives being undertaken by insurers that present potential partnership opportunities for companies.
• Fine points trends in the private health indemnity market, including relative market shares for the main markets in terms of benefits paid for by private insurers.

Scope of this report

• Know the diverse roles played by private indemnity in funding pharmaceutical and diagnostic products in major European markets and the relative substance of private funds in healthcare costs.


• Identify the key players in each market who will be potential targets for gaining market access in the privately-funded sector.
• Review what new opportunities might be afforded in the private sector for products that are denied reimbursement in the public sector.
• Tailor product portfolios to meet differing needs of individual markets.

Key Market Issues

• The function of private health indemnity depends on coverage provided by inhabitant public healthcare systems. Understanding which type of private health indemnity – substitutive/primary, complementary/supplementary or duplicative/competitive – is dominant in each market is key to assessing market potential.
• Gaining reimbursement for medical diagnostic products and treatments in the public sector is becoming increasingly challenging in many countries as the cost and medical necessity of certain products are coming under closer scrutiny by public payors. Some private insurers are showing interest in casing medicines for minor ailments and lifestyle products that are excluded from public reimbursement.
• Managing costs is a challenge for private insurers in the current economic climate as medical inflation and price competition in the industry initiation additional pressures. Insurers are adapting their portfolios to address market needs, with a focus on disease prevention and promotion of healthy lifestyles.

Key findings from this report

• There are over 84 million Europeans with some form of private health indemnity. Germans account for the largest proportion of the privately insured population, with 22.3 million, followed by the Dutch with 16.2 million.
• Healthcare benefits paid by private insurers account for 8% of total European healthcare expenditure, a share that is on course to increase as public payors redefine their benefits package.
• The cost of medicines accounts for a significant proportion of private insurers’ costs in most markets. Around 93% of the French population has complementary health indemnity to cover costs not reimbursed by the social health indemnity system, with 30% of insurers’ costs going towards the cost of medicines.
• Private insurers provide comprehensive health cover to 10.5% of Germans and nearly all the population of the Netherlands and Switzerland. Voluntary indemnity also the the boards a significant role in these markets to complement and supplement the statutory benefit package.
• France has the highest density of private health insurers at 893, whereas the industry is concentrated among relatively few players in most other markets – there are 46 insurers in Germany, 30 in the Netherlands and 27 in the UK.

Key questions answered

• How many Europeans have private health indemnity and why do they buy private cover?
• What proportion of healthcare costs are paid for by private insurers in the major European markets?
• How influenced are private insurers by public health pharmaceutical reimbursement decisions?
• Who are the major movers and shakers in the European private health indemnity market?
• What initiatives are underway by insurers to cover pharmaceutical products not reimbursed by inhabitant healthcare systems?
• What role do private insurers play in public-private partnerships?

To know more about this report & to buy a copy please stay :

Contact us:

Ph : 91-22-40583000
Website :

Visionshopsters – About the Author:

Visionshopsters specializes in providing comprehensive collection of online market research reports, events bookings, people reports, companionship profiles, latest books and magazines, customized research services donation informative solutions worldwide. We constantly believe in providing inventive solutions to clients all crosswise the globe. Our clientele consists of over thousands of top most academic organizations, financial institutions, trading companies, legal service providers, accounting consultancies and other corporate business executives.



Increase your traffic today just by submitting articles with us, click here to get ongoing.

Liked this article? Click here to publish it on your website or blog, it’s free and simple!

Rate this Article


0 vote(s)


Article Tags:
private, health indemnity, market, europe, future, trends, emerging, opportunities, players, market research, market research reports, industry analysis, business research, business market research, industry reports, market reports, worldwide reports

Latest Health Articles
More from Visionshopsters

Tips and Tricks on How to Get Ripped

Men and women who spend countless hours on the gym working out are only after one goal, and that’s to perfectly rip out their bodies. There are really so many ways for you on how to get ripped aside from the normal process of going to the gym to work out and having your own fitness trainer with you, because you can do it very well on your own if you just know the right process of doing it.

By: Josh

May 27, 2011

What Do Farm Vets Do In Their Job?

Farm vets work with animals found on farms such as pigs, cows, horses, poultry and sheep. They also deal with the less common livestock animals such as bison. They spend their time travelling from farm to farm, helping sick livestock, read-through for diseases and giving advice to farmers on topics ranging from disease prevention and milk production to breeding.

By: Cara Brownethorpe

May 27, 2011

The evaluation of web hosting requirements fully

It is really vital for web-hosting business owners and end users to know what web hosting should offer and what facilities should be part of a excellent plot. This in turn will help their business clients with the right feature of facilities and to choose the customers the best service provider.

By: rickey

May 27, 2011

Buy a steam room

It is relaxing and healthy for the human body for some time now and then exposing it to a somewhat higher temperature. On this principle rests not only the hot room (better known as the ancient sauna), but also the steam room (also known as Turkish bath or hamam).

By: Daniel De Beer

May 27, 2011

Jimmy H. Bredesen The Guru Diet – Low calorie Diet Review

At present times, weight loss products are not new for the public to hear. Nearly all of them claim that they have the fastest way to help you see the results in your curriculum. But sad to say, none of them are really competent to do what they promise. Due to this reason, Jimmy H. Bredesen made The Guru Diet to help uncommon individuals to lose weight the right way. Through this guide, you can now make a huge transformation on your body without having any frustrations and so.

By: Sarah Kaser

May 27, 2011

Innovations in Delivery Methods for Nutraceutical Food and Drinks

This report explores the range of manufacturing technologies that are available for encapsulating ingredients to change their performance characteristics.

By: Visionshopsters

Food and Beverage
May 06, 2011

New report on the Top 10 CMOs in China report added in Visionshopsters

This report discusses market dynamics, drivers, resistors and future outlook of CMO industry in China. It also includes manufacturing capabilities, progression strategies, SWOT analysis of the top 10 CMOs. Other leading players are also examined.

By: Visionshopsters

May 06, 2011

Visionshopsters added new report on Future of Deepwater Drilling

According to the International Energy Agency (IEA), at the end of 2008 the planet’s total offshore crude oil reserves was 238bn barrels (approximately 18% of the total oil reserves), of which deepwater oil reserves constituted 25bn barrels.

By: Visionshopsters

May 06, 2011

Visionshopsters added new report on Top 10 Mobile Handset Manufacturers

This report provides choice-making support by giving an in-depth analysis of market dynamics, drivers and resistors, and trends in the global mobile handset manufacturing industry between 2009-14.

By: Visionshopsters

Equipment >
Cell Phones
May 06, 2011

Visionshopsters: The Pharmaceutical Excipients Market Outlook

Pharmaceutical excipients are increasingly being considered as functional ingredients in contrast to their earlier status as non-functional additives.

By: Visionshopsters

May 06, 2011

Comments on this article [0]
Add new Comment

Related Videos

Donation Prospects What They Truly Need

A Compelling Value in Niche Indemnity

Preexisting Conditions in Medical Indemnity

Question a question

Question our experts your Health related questions here…

200 Characters left

Related Questions

How many health indemnity companies in california ?
My protect is 62years ancient. no major health problem except some pains in legs, tooth problem and a cataract. she has no indemnity or medi-claim. i want to buy her an health indemnity. plz advice
How many people are employed in the health indemnity industry?


Need Help?
Contact Us
Submit Articles
Editorial Guidelines

Site Links
Recent Articles
Top Authors
Top Articles
Find Articles
Site Map
Mobile Version

RSS Builder
Link to Us

Business Info

Use of this web site constitutes acceptance of the Terms Of Use and Privacy Policy | User in print content is licensed under a Creative Commons License.
Copyright © 2005-2011 Free Articles by, All rights reserved.

Article from

Related Private Health Indemnity Articles

Individual Health Insurance Effects

Individual Health Indemnity Effects

The Patient Protection and Practically priced Care Act, otherwise known as the health reform bill will impact nearly every American. One of the most vital ways it will affect individual health indemnity is that indemnity companies will not be permitted to deny indemnity to those with preexisting illnesses. Another vital affect is that all Americans will be required to hold indemnity. Indemnity companies will be prohibited from placing annual and lifetime limits on coverage. Group health exchanges may also help to reduce the cost of indemnity plans, giving individuals the buying power of large companies. You will be able to buy indemnity through a state exchange from 2014. The exchanges have yet to be formed, but the intended goal is to provide more practically priced and subsidized individual plans. The Obama effects on individual health indemnity addresses the largest weaknesses in the individual health indemnity market. Simple To Assure Me

As the reform bill was passed policy tariff were climbing. A report revealed that members of the middle class were losing health indemnity quicker than any other returns group. Those who missed the Government provided safety net because of their returns were thrown on the mercies of the individual market. Here, insurers have been denied coverage based on preexisting conditions and are vulnerable to charges of high and ever increasing premiums.

The limits insurers placed on who gets coverage is one of the three major problems that needed to be addressed in the individual market. The other two are the affordability and whether the policy would pay for what is needed when the insured gets sick. A study found that excluded conditions varied by insurer. In a 2001 study by the Georgetown Health Policy Institute, researchers 37 percent of applications were second-hand. There were insurers who would turn you down if you had hay fever. The public thus was a victim of a roulette indemnity market. How simple is it for individuals to wade their way through the market to insurers who would cover them is a question. Although federal law requires insurers to sell policies to certain people who lose group coverage, including those who lost their jobs due to lay offs; but places no limits on what an insurer can charge. In February 2010, Connecticut announced that health premiums for individual medical plans rose in price by 20 percent over in 2009. In this void have stepped some states in varying degrees. Maine, Massachusetts, New Jersey, New York and Vermont required insurers to sell individual policies to everyone, irrespective of their health. Washington state required insurers to take individuals with some health problems. While, Iowa required insurers to cover preexisting conditions in new applicants, if they had indemnity previously for those conditions and did not let the indemnity lapse.

Of those who do buy their own indemnity the health indemnity market works well for some; but, not for others. In the individual market former to the reform bill, in peacefulness to lower their risks insurers preferred the healthiest applicants. In most states, insurers may consider the health history of the applicant in deciding coverage and its cost. Unlike group plans offered by employers which provide coverage to everyone, there is no guarantee in most states individuals can obtain indemnity. It has been realized that solving problems in the individual market would improve the health care crisis. In California, Connecticut and several other states regulators have taken actions hostile to insurers who revoked individual coverage after policyholders fell ill. Before the President won the election Senators Ron Wyden, a Democrat from Oregon, and Bob Bennett, a Republican from Utah were supporting a bill that would shift workers getting coverage through employers to buy their own indemnity. The intention of their proposal was to break the link between employment and indemnity. The two supporters of the bill believed this would let people keep their coverage even when they lost or switched their job. The proposal would have required everyone to have coverage and insurers to sell indemnity to all applicants. The health reform bill has addressed these failings. Both presidential candidates had expressed the desire to improve options for people who buy their own coverage. Entrant Obama wanted to allow individuals and small firms to have the bargaining leverage and purchasing power of latge firms by making ways for individuals to buy indemnity in groups. Advisors to entrant McCain had acknowledged the current system was broken. Douglas Holtz Eakin, who was a senior policy adviser noted that he did not want to give the impression the individual or small group market is a excellent place to be, as it was not

The public hospitals have been at the vanguard of the victims of inadequate and absent coverage. They have provided for the uninsured and those under insured by Medicaid, that reimburses them at not more than cost. They are also unable to compete with private and nonprofit hospitals for patents with private health indemnity coverage. Yet, the cost of providing care to the uninsured and under insured has climbed and taxpayer support remained static.

Currently employers are looking to shift more burdens to their employees due to rise in the cost of health indemnity. A Reuters research team in analyzing claim data has learned that less vital employers saw costs rise the most. According to a report released in March 2010, the cost for an employer to offer individual plans to workers increased by 43 percent over a eight-year period. The amount employees paid for the single plans increased over 64 percent.

Large corporate employees have loved the most secure and highest feature coverage in the nation during their employment. They have not been victimized during their employment with revocation or denial due to preexisting conditions. Nevertheless, a recently released annual survey by the Inhabitant Business Group on Health has indicated that the impact of rising costs means this island of safety is about to be buffeted. This surveyed large employers indicated they were considering shifting more of the cost on their employees.

Harvard researchers looking into what part of bankruptcy filers filed for medical reasons found some enlightening information. They found that illness caused the majority of filings. The study looked at a year that preceded the housing bust; but reveals what is the general scenario absenting this reason. The larger segment of filers were covered by indemnity they lost or proved to be inadequate. Majority of these were middle class homeowners who had college degrees. The study revealed the vulnerability of Americans who were literally one major illness from bankruptcy. There are huge Obama effects on individual health indemnity coverage. Surely there are due to be major Obama effects on individual health indemnity.

health indemnity quotes Health indemnity quote individual health indemnity

Article from

This work is licensed under a Creative Commons Attribution-Noncommercial-Share Alike 3.0 Unported License.
(c) 2023 Top Health Insurance Guide | powered by WordPress with Barecity