Domiciliary Insurance

Global Domiciliary Insurance Market to Reach US$87.2 Billion by 2030

The global market for Domiciliary Insurance estimated at US$42.6 Billion in the year 2024, is expected to reach US$87.2 Billion by 2030, growing at a CAGR of 12.7% over the analysis period 2024-2030. Disease Insurance, one of the segments analyzed in the report, is expected to record a 14.6% CAGR and reach US$43.9 Billion by the end of the analysis period. Growth in the Medical Insurance segment is estimated at 10.1% CAGR over the analysis period.

The U.S. Market is Estimated at US$11.6 Billion While China is Forecast to Grow at 17.3% CAGR

The Domiciliary Insurance market in the U.S. is estimated at US$11.6 Billion in the year 2024. China, the world`s second largest economy, is forecast to reach a projected market size of US$18.7 Billion by the year 2030 trailing a CAGR of 17.3% over the analysis period 2024-2030. Among the other noteworthy geographic markets are Japan and Canada, each forecast to grow at a CAGR of 9.1% and 11.4% respectively over the analysis period. Within Europe, Germany is forecast to grow at approximately 10.1% CAGR.

Global "Domiciliary Insurance" Market – Key Trends & Drivers Summarized

Why Is Domiciliary Insurance Gaining Ground in a Post-Pandemic Healthcare Landscape?
Domiciliary insurance, which covers medical treatment provided at home in lieu of hospitalization, is witnessing unprecedented growth, catalyzed by changing healthcare paradigms in the wake of the COVID-19 pandemic. The pandemic exposed the limitations of hospital infrastructure and simultaneously demonstrated the viability and necessity of home-based care for non-critical yet resource-intensive treatments. As a result, insurers across the globe began expanding domiciliary cover to include a wider range of treatments, such as intravenous therapies, dialysis, chemotherapy, and physiotherapy, which previously necessitated hospitalization. This shift is also being supported by healthcare providers who are developing at-home service models, complete with visiting nurses, portable diagnostic kits, and telemedicine integration. Consumers are now more aware of the cost-efficiency, comfort, and reduced infection risk associated with home care, making domiciliary cover an increasingly valued feature in health insurance plans. This trend is especially prominent in aging societies like Japan and parts of Europe, where demand for eldercare at home is accelerating, and in emerging economies where urban hospital bed availability remains constrained.

How Are Insurers and Healthtech Innovators Collaborating to Expand Coverage?
Insurers are entering strategic partnerships with healthtech startups, homecare service providers, and diagnostic labs to make domiciliary insurance more holistic and operationally feasible. These collaborations enable real-time monitoring, digital claim processing, and seamless service delivery without requiring patients to leave their homes. Some insurance firms have developed proprietary platforms or apps that connect policyholders with certified homecare providers, enabling bookings for doctors, nurses, physiotherapists, and even oxygen delivery or ICU setup within residential premises. Artificial intelligence and remote diagnostics tools are being deployed to validate treatments, assess medical necessity, and eliminate fraudulent claims, helping insurers manage costs without compromising service quality. Bundled health insurance packages now frequently include domiciliary services as standard rather than optional, a stark contrast to their limited inclusion a decade ago. Additionally, these partnerships are allowing insurers to gather health data for predictive risk analysis, which in turn enables more personalized premium pricing and targeted health interventions.

Why Are Shifting Demographics and Economic Pressures Increasing Domiciliary Adoption?
Demographic shifts and rising medical inflation are making domiciliary insurance not just a convenience but a necessity. The growing elderly population across developed nations, along with the rise of nuclear family structures and solo living, is creating a strong need for at-home medical support. In countries like India, Brazil, and Indonesia, the middle class is expanding and aging simultaneously, leading to increased demand for affordable alternatives to prolonged hospitalization. Domiciliary care provides a practical solution, especially for chronic illness management, post-operative recovery, and palliative care, where hospitalization can be prohibitively expensive or logistically burdensome. Meanwhile, private hospitals—especially in metro areas—are becoming increasingly expensive, pushing both patients and insurers toward cost-effective domiciliary options. Employers are also revising group health policies to include domiciliary coverage, recognizing its role in reducing absenteeism and speeding up employee recovery. For younger policyholders, domiciliary coverage appeals as a flexible, tech-integrated alternative to conventional inpatient setups, aligning with their expectations for digital health services and on-demand access.

The Growth in the Domiciliary Insurance Market Is Driven by Several Factors…
The growth in the domiciliary insurance market is driven by several factors rooted in shifting healthcare delivery models, evolving consumer expectations, and systemic cost pressures. Technological advancements enabling at-home diagnosis, treatment, and monitoring have made domiciliary care logistically feasible and clinically reliable. End-use dynamics have changed significantly, with elderly patients, chronic disease sufferers, and post-surgery cases increasingly opting for home treatment over hospitalization. The global rise in healthcare costs and hospital overcrowding has further pushed insurers to promote home-based care as a cost-containment strategy. Consumer behavior, too, has shifted—people now prefer the familiarity, privacy, and reduced risk of home environments for non-emergency treatment. Employers and group policy providers are integrating domiciliary benefits to enhance workforce health resilience, while governments in several regions are encouraging decentralization of healthcare to reduce pressure on public hospitals. Collectively, these technological, demographic, economic, and behavioral factors are making domiciliary insurance a cornerstone of modern health policy architecture across both developed and developing economies.

SCOPE OF STUDY:

The report analyzes the Domiciliary Insurance market in terms of units by the following Segments, and Geographic Regions/Countries:

Segments:
Insurance Type (Disease Insurance, Medical Insurance, Income Protection Insurance, Other Insurance Types); Coverage Type (Lifetime Coverage, Term Coverage); Service Provider (Private Service Provider, Public Service Provider)

Geographic Regions/Countries:
World; United States; Canada; Japan; China; Europe (France; Germany; Italy; United Kingdom; Spain; Russia; and Rest of Europe); Asia-Pacific (Australia; India; South Korea; and Rest of Asia-Pacific); Latin America (Argentina; Brazil; Mexico; and Rest of Latin America); Middle East (Iran; Israel; Saudi Arabia; United Arab Emirates; and Rest of Middle East); and Africa.

Select Competitors (Total 43 Featured) -

• Aetna Inc.
• AIA Group Limited
• Allianz SE
• Assicurazioni Generali S.p.A.
• Assurant, Inc.
• Aviva plc
• AXA SA
• Blue Cross Blue Shield Association
• Centene Corporation
• Cigna Corporation
• Edelweiss General Insurance Company Limited
• Gothaer Group
• HDFC ERGO General Insurance Company Limited
• Health Care Service Corporation
• Humana Inc.
• ICICI Lombard General Insurance Company Limited
• Kaiser Foundation Health Plan Inc.
• Munich Re Group
• Ping An Insurance (Group) Company of China, Ltd.
• Religare Health Insurance Company Limited

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