{"id":45781,"date":"2024-01-31T09:26:57","date_gmt":"2024-01-31T09:26:57","guid":{"rendered":"https:\/\/www.elixirr.com\/en-us\/?p=45781"},"modified":"2025-11-10T14:37:30","modified_gmt":"2025-11-10T14:37:30","slug":"2024-trends-insurance-health","status":"publish","type":"post","link":"https:\/\/www.elixirr.com\/en-us\/2024-trends-insurance-health\/","title":{"rendered":"2024 Trends: Insurance \u2013 Health"},"content":{"rendered":"\n

We\u2019re back again with more expert insights on 2024 trends, and today the focus is health insurance. <\/p>\n\n\n\n

\"Health<\/a><\/figure>\n\n\n\n

In the UK and across the world, we saw a turbulent 2023, defined by a slow re-emergence from the Covid-era. Alongside the myriad healthy lifestyle fads and trends \u2013 from supposedly healthier air fryers to intermittent fasting and, according to Bupa<\/a>, an \u201c11x increase in earwax removal near me\u201d searches (more on this later) \u2013 we saw significant impact on the insurance industry from two macro factors. Demand for private health insurance is going up and premium growth is keeping pace. The events of 2023 have set up an even <\/em>more important 2024 for insurers. This is particularly true for those positioned to capitalize on the new demand, but also those operating in the UK able to address the growing concerns with the UK\u2019s NHS-led health system without skyrocketing private medical insurance (PMI) prices \u2013 arguably the better long-term strategy for building customer loyalty. <\/p>\n\n\n\n

Our team has long-standing experience working with insurers across the globe and specifically in the UK; Partner Danielle<\/a> and Principal Harry offer their insight on the top three trends that health insurers will need to address both this year and moving forward if they want to remain competitive.\u00a0<\/p>\n\n\n\n

At a glance<\/h2>\n\n\n\n
    \n
  1. We will see further acceleration in the growth of private medical insurance globally \u2013 health insurers will play an increasingly pivotal role in the UK healthcare system in particular <\/li>\n\n\n\n
  2. This growth will be accompanied by continued increases in premiums, driven primarily by medical costs and claim frequency from more aware customers, but with cautious optimism we will see insurers differentiate themselves in how they respond <\/li>\n\n\n\n
  3. These dominant trends will start to be off-set by increasing diversity and innovation within new health insurance products, starting with the resurgence of health plans and solutions supporting self-managed care<\/li>\n<\/ol>\n\n\n\n

    A struggling healthcare system grows demand for PMI<\/strong><\/h2>\n\n\n\n

    It\u2019s safe to say that the UK healthcare system is at a critical point, as with many other private-public models. The current state of the NHS is also the central underlying factor for the recent growth of PMI. There is a staggering amount of evidence to point to declining accessibility and quality of care for everyone across the UK; the NHS simply can\u2019t continue delivering exceptional healthcare without the right funding and support. This has only been accelerated through the Covid years, with millions added onto waitlists and billions spent on equipment. The Health Foundation predicts the waitlist to top 8 million<\/a> by mid-2024 \u2013 just one indicator of the mounting push factors. Combine long wait time with the fact that numerous treatments are being removed from NHS lists yearly (including the aforementioned ear wax removal \u2013 one of the less critical changes!), the options for those that need to guarantee access to all treatment options with short wait times are simple: either take out private medical insurance or consider a slowly expanding range of non-insurance options, like health plans. Health insurers have reported skyrocketing sales in 2023, with Aviva<\/a> posting an increase of 58% in H1, and with 50 million adults without PMI in the UK, we expect an even higher growth rate in 2024.  <\/p>\n\n\n\n

    Health insurance premiums continue to increase<\/strong><\/h2>\n\n\n\n

    It is unavoidable that greater general awareness of the benefits PMI offers will generate higher policy usage and greater claims cost for insurers. Reuters<\/a> reported a record \u00a33 billion in UK health insurance claims for 2022 and 2023 totals are undoubtedly expected to top that once tallied. Throughout 2024, we will see rising medical costs and greater propensity to claim from an increasingly health-conscious population. Combine this with pricing and underwriting models that rely on outdated measures, and insurers\u2019 expectations that delayed claims costs from Covid have not been fully addressed, some businesses will see no option but to increase premiums. As an industry, continually raising premiums year-over-year has always been a serious risk to renewals, particularly for larger employer schemes. Historically, price hikes are followed by a focus on cost-cutting and operating ratio improvements. However, with market driven demand seemingly disassociated with price, we are unfortunately still predicting to see premiums rise through 2024. The growth of health insurance premiums will directly reduce access to quality healthcare and only exacerbate health inequality. Hence, insurers bear the responsibility (and opportunity) to manage the escalating costs of PMI by fostering innovation, enhancing accessibility in health insurance offerings, amplifying flexibility and personalization, or introducing entirely new solutions.<\/p>\n\n\n\n

    Innovative health solutions can rival PMI <\/strong><\/h2>\n\n\n\n

    Let\u2019s end with a more optimistic trend\u2026 This year, we expect to see a rise in non-insurance options that can directly address current health inequality. These will enable greater access to private healthcare or make everyday health more affordable. Significant growth, however, is only going to be seen if health insurers invest in designing new solutions, build more flexible platforms, or upgrade current product benefits through partnerships or curated health ecosystems. As with PMI, the demand is there, and we can predict a significant market for the insurer willing to move first. We have already seen investments being made throughout 2023 and expect new products to hit the shelves throughout the next year, compounding growth with a greater breadth of solutions addressing new segments.<\/p>\n\n\n\n

    Looking at the broader market today, take startups like UK based Hu<\/a>ma<\/a>, working to improve data to aid in preventative health care. This includes their \u2018Hospital at Home\u2019 platform and ongoing investments in AI promoting proactive patient engagement. Examples include myGP\u2019s skin scanner, which can address the 18 million GP appointments and 2.1 million A&E visits for self-treatable conditions. Huma is not the only player inspiring innovation and driving towards new healthcare solutions. Dominant in dental and health plans, Simplyhealth remain committed to innovation through their venture capital fund \u2018Simplyhealth Ventures\u2019<\/a> featuring a portfolio of six early-stage businesses. Particularly promising here are investments into ecosystem partners that expand patient interaction and connect the patient journey, such as early diagnostics through Scan.com. Looking forward, we see health or cash plans remain the most affordable way to offset some health costs and are likely to see the most growth in this sector. This will be driven by more tactical pricing and low-cost options, attracting significant portions of lower income target markets, as well as attractive employer schemes addressing employees\u2019 increasing demands for health benefits.  <\/p>\n\n\n\n

    These trends offer hope for both the UK healthcare system as a whole and for individual insurers able to re-position and therefore claim significant market share. With widespread private medical insurance and accessible solutions reaching more individuals, we hope to see some of the strain on public health diminish. Indeed, with recognition that the dominant health insurance products are now on less stable foundations, greater levels of product innovation and the rise of new challengers prioritizing the customer experience are predicated for the year to come. For more on where to begin, look out for the remaining pieces in our insurance trends series. <\/p>\n\n\n\n

    To ensure your strategy will put you ahead in the health insurance space connect with us:<\/p>\n\n\n","protected":false},"excerpt":{"rendered":"

    We\u2019re back again with more expert insights on 2024 trends, and today the focus is health insurance.  In the UK and across the world, we saw a turbulent 2023, defined…<\/p>\n","protected":false},"author":1,"featured_media":45782,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[116],"tags":[104],"related_service":[],"related_industry":[60],"class_list":["post-45781","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-insurance"],"acf":[],"yoast_head":"\n2024 Trends: Insurance \u2013 Health - Elixirr - USA<\/title>\n<meta name=\"description\" content=\"To ensure your strategy will put you ahead in the health insurance space connect with our team of experts today.\u00a0\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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<a href='https:\/\/www.elixirr.com\/en-us\/2024-trends-insurance-health\/' class='wp-component-card__title'>\n <h2>\n 2024 Trends: Insurance \u2013 Health\n <\/h2>\n <\/a> <div class=\"wp-component-card__description\">\n We\u2019re back again with more expert insights on 2024 trends, and today the focus is health insurance.  In the UK and across the world, we saw a turbulent 2023, defined… <\/div>\n <div class=\"wp-component-card__meta\">\n <p class=\"wp-component-card__date\">\n 31 January 2024 <\/p>\n <div class=\"wp-component-card__terms\">\n <div class=\"wp-component-tags edwp-component\">\n <div class=\"wp-component-tags__tag\">\n Insurance <\/div>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"wp-component-card__button-wrapper\">\n <button class=\"btn btn--link arrow wp-component-card__button\">\n Read more <span class='edwp-svg '><svg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<g id=\"Lg\">\n<path id=\"Vector\" 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