Ukuthambekela kobuntu embonini yezilwane ezifuywayo sekube yimbangela eyinhloko yokukhula

Kule minyaka eyishumi edlule, imboni yezilwane ezifuywayo ibe nezinguquko ezinkulu, iguqukela ekubeni imakethe enezici eziningi ezedlula ukunakekelwa kwezilwane ezifuywayo.Namuhla, imboni ayihlanganisi kuphela imikhiqizo yendabuko efana nokudla namathoyizi kodwa futhi ibonisa indlela yokuphila ebanzi kanye namasiko okuzilibazisa abanikazi bezilwane ezifuywayo.Ukugxila kwabathengi ezifuyweni ezifuywayo kanye nokuthambekela kokwenziwa kwabantu kube yizisusa eziyinhloko zokukhula kwemakethe yezilwane ezifuywayo, okugqugquzela ukuqamba okusha kanye nokubumba ukuthuthukiswa kwemboni.

Kulesi sihloko, i-YZ Insights embonini yezilwane ezifuywayo izohlanganisa imininingwane efanele ukuze iveze izitayela eziphambili embonini yezilwane zango-2024, mayelana namandla emakethe namandla embonini, ukusiza amabhizinisi ezilwane ezifuywayo kanye nemikhiqizo ukuhlonza amathuba okukhula kwebhizinisi ngonyaka ozayo. .

01

Amandla emakethe

Eminyakeni engu-25 edlule, imboni yezilwane ezifuywayo ikhule ngo-450%, futhi imboni kanye nezitayela zayo kunezinguquko eziphawulekayo, nokukhula okuqhubekayo okulindelwe emakethe.Idatha yocwaningo ibonisa ukuthi kule minyaka engu-25, imboni yezilwane ezifuywayo ihlangabezane neminyaka embalwa kuphela yokungakhuli.Lokhu kukhomba ukuthi imboni yezilwane ezifuywayo ingenye yezimboni ezinzile ngokukhula ngokuhamba kwesikhathi.

Esihlokweni esandulele, sabelana ngombiko wocwaningo owakhishwa yi-Bloomberg Intelligence ngoMashi wonyaka odlule, owabikezela ukuthi imakethe yezilwane ezifuywayo emhlabeni wonke izokhula isuka ku-$320 billion yamanje iye ku-$500 billion ngo-2030, ikakhulukazi ngenxa yokwanda kwenani lezilwane ezifuywayo kanye nezilwane ezifuywayo. isidingo esikhulayo sokunakekelwa kwezilwane ezifuywayo ezisezingeni eliphezulu.

02

I-Industrial Dynamics

Ukukhushulwa kanye nokwenza i-Premiumization

Ngokugxila okwandayo kwabanikazi bezilwane ezifuywayo empilweni nasenhlalakahleni yezilwane ezifuywayo, izimfuno zabo zekhwalithi nokuphepha kokunakekelwa kwezilwane ezifuywayo kanye nemikhiqizo ziyakhula.Ngenxa yalokhu, ukusetshenziswa kwezilwane ezifuywayo kuyathuthuka, futhi imikhiqizo eminingi namasevisi kancane kancane aqhubekela phambili ekuqondeni okuphezulu kanye ne-premium.

Ngokwemininingwane yocwaningo evela ku-Grand View Research, inani lemakethe yezilwane ezifuywayo emhlabeni wonke kulindeleke ukuthi lifinyelele ku-$5.7 billion ngo-2020. Izinga lokukhula lonyaka elihlanganisiwe (CAGR) kusukela ngo-2021 kuya ku-2028 kulindeleke ukuthi lifinyelele ku-8.6%.Lo mkhuba ugqamisa ukukhula kwesidingo sokudla okusezingeni eliphezulu, ukuphatha, kanye nemikhiqizo eyinkimbinkimbi yezempilo nokuphila kahle kwezilwane ezifuywayo.

Ubungcweti

Izinsizakalo ezithile zezilwane ezifuywayo eziyisipesheli sezisetshenziswa kakhulu emakethe, njengomshwalense wezilwane ezifuywayo.Inani labantu abakhetha ukuthenga umshwalense wezilwane ezifuywayo ukuze bonge ezindlekweni zezilwane likhula kakhulu, futhi lo mkhuba okhuphukayo kulindeleke ukuthi uqhubeke.Umbiko weNorth American Pet Health Insurance Association (NAPHIA) ukhombisa ukuthi imakethe yomshwalense wezilwane ezifuywayo e-United States naseCanada yeqe amaRandi ayizigidi eziyizinkulungwane ezingama-3.5 ngo-2022, ngokukhula konyaka ngonyaka ngama-23.5%.

I-Digitization kanye nezixazululo ezihlakaniphile

Ukuhlanganisa ubuchwepheshe ekunakekelweni kwezilwane kungenye yezindlela ezintsha embonini.Ukunakekelwa kwezilwane ezifuywayo okudijithali kanye nemikhiqizo kuletha amathuba amasha ebhizinisi namamodeli okumaketha.Imikhiqizo ingaqonda kangcono izidingo zabathengi nokuziphatha ngokuqoqa nokuhlaziya idatha ekhiqizwe amadivayisi ahlakaniphile, ngaleyo ndlela inikeze imikhiqizo enemba kakhudlwana namasevisi.Ngesikhathi esifanayo, imikhiqizo ehlakaniphile ingase futhi isebenze njengezinkundla ezibalulekile zokusebenzelana komkhiqizo nabathengi, ithuthukise ukuqwashisa komkhiqizo nesithunzi.

Ukuhamba

Ngokusetshenziswa kabanzi kwe-inthanethi ephathwayo kanye nokusetshenziswa kabanzi kwemishini ephathwayo, umkhuba wokuhambahamba embonini yezilwane ezifuywayo uya ngokuya ubonakala.Umkhuba wokuhamba uhlinzeka ngamathuba amasha ebhizinisi nezindlela zokumaketha zokunakekelwa kwezilwane ezifuywayo kanye nemakethe yemikhiqizo futhi uthuthukisa lula kubathengi ukufinyelela izinsizakalo nemikhiqizo.