US Personal Accident Health Insurance Market

ID: MRFR/BS/59630-HCR
200 Pages
Ankit Gupta
Last Updated: February 06, 2026
US Personal Accident Health Insurance Market Size, Share and Research Report By Application (Direct Marketing, Bancassurance, Agencies, E-commerce, Brokers) and By Product Type (Personal Accident Insurance, Health Insurance) - Industry Forecast Till 2035
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US Personal Accident Health Insurance Market

Market Size

Forecast Period2025 - 2035
CAGR (2025 - 2035)5.25%
2024 Market Size$ 362.84 Million
2025 Market Size$ 383.92 Million
2035 Market Size$ 637 Million

Key Players

UnitedHealth Group
Anthem
Aetna
Cigna
Humana
MetLife
Trends
  • Increased Consumer Awareness
  • Technological Integration
  • Regulatory Developments
Opportunities
  • Rising Incidence of Accidents
  • Regulatory Changes and Compliance
  • Increased Focus on Employee Benefits
Summary Table of Contents Segmentation Download PDF
  1. 1 SECTION I: EXECUTIVE SUMMARY AND KEY HIGHLIGHTS
    1. 1.1 EXECUTIVE SUMMARY
      1. 1.1.1 Market Overview
      2. 1.1.2 Key Findings
      3. 1.1.3 Market Segmentation
      4. 1.1.4 Competitive Landscape
      5. 1.1.5 Challenges and Opportunities
      6. 1.1.6 Future Outlook
  2. 2 SECTION II: SCOPING, METHODOLOGY AND MARKET STRUCTURE
    1. 2.1 MARKET INTRODUCTION
      1. 2.1.1 Definition
      2. 2.1.2 Scope of the study
        1. 2.1.2.1 Research Objective
        2. 2.1.2.2 Assumption
        3. 2.1.2.3 Limitations
    2. 2.2 RESEARCH METHODOLOGY
      1. 2.2.1 Overview
      2. 2.2.2 Data Mining
      3. 2.2.3 Secondary Research
      4. 2.2.4 Primary Research
        1. 2.2.4.1 Primary Interviews and Information Gathering Process
        2. 2.2.4.2 Breakdown of Primary Respondents
      5. 2.2.5 Forecasting Model
      6. 2.2.6 Market Size Estimation
        1. 2.2.6.1 Bottom-Up Approach
        2. 2.2.6.2 Top-Down Approach
      7. 2.2.7 Data Triangulation
      8. 2.2.8 Validation
  3. 3 SECTION III: QUALITATIVE ANALYSIS
    1. 3.1 MARKET DYNAMICS
      1. 3.1.1 Overview
      2. 3.1.2 Drivers
      3. 3.1.3 Restraints
      4. 3.1.4 Opportunities
    2. 3.2 MARKET FACTOR ANALYSIS
      1. 3.2.1 Value chain Analysis
      2. 3.2.2 Porter's Five Forces Analysis
        1. 3.2.2.1 Bargaining Power of Suppliers
        2. 3.2.2.2 Bargaining Power of Buyers
        3. 3.2.2.3 Threat of New Entrants
        4. 3.2.2.4 Threat of Substitutes
        5. 3.2.2.5 Intensity of Rivalry
      3. 3.2.3 COVID-19 Impact Analysis
        1. 3.2.3.1 Market Impact Analysis
        2. 3.2.3.2 Regional Impact
        3. 3.2.3.3 Opportunity and Threat Analysis
  4. 4 SECTION IV: QUANTITATIVE ANALYSIS
    1. 4.1 BFSI, BY Application (USD Million)
      1. 4.1.1 Accidental Death
      2. 4.1.2 Permanent Disability
      3. 4.1.3 Temporary Disability
      4. 4.1.4 Medical Expenses
      5. 4.1.5 Funeral Expenses
    2. 4.2 BFSI, BY Distribution Channel (USD Million)
      1. 4.2.1 Direct Sales
      2. 4.2.2 Brokers
      3. 4.2.3 Online Platforms
      4. 4.2.4 Insurance Agents
      5. 4.2.5 Affiliates
    3. 4.3 BFSI, BY Policy Type (USD Million)
      1. 4.3.1 Individual Policy
      2. 4.3.2 Family Policy
      3. 4.3.3 Group Policy
      4. 4.3.4 Corporate Policy
      5. 4.3.5 Student Policy
    4. 4.4 BFSI, BY Demographics (USD Million)
      1. 4.4.1 Age
      2. 4.4.2 Gender
      3. 4.4.3 Income Level
      4. 4.4.4 Occupation
      5. 4.4.5 Health Status
    5. 4.5 BFSI, BY Coverage Type (USD Million)
      1. 4.5.1 Comprehensive Coverage
      2. 4.5.2 Basic Coverage
      3. 4.5.3 Supplemental Coverage
      4. 4.5.4 Accidental Death Coverage
      5. 4.5.5 Disability Coverage
  5. 5 SECTION V: COMPETITIVE ANALYSIS
    1. 5.1 Competitive Landscape
      1. 5.1.1 Overview
      2. 5.1.2 Competitive Analysis
      3. 5.1.3 Market share Analysis
      4. 5.1.4 Major Growth Strategy in the BFSI
      5. 5.1.5 Competitive Benchmarking
      6. 5.1.6 Leading Players in Terms of Number of Developments in the BFSI
      7. 5.1.7 Key developments and growth strategies
        1. 5.1.7.1 New Product Launch/Service Deployment
        2. 5.1.7.2 Merger & Acquisitions
        3. 5.1.7.3 Joint Ventures
      8. 5.1.8 Major Players Financial Matrix
        1. 5.1.8.1 Sales and Operating Income
        2. 5.1.8.2 Major Players R&D Expenditure. 2023
    2. 5.2 Company Profiles
      1. 5.2.1 UnitedHealth Group (US)
        1. 5.2.1.1 Financial Overview
        2. 5.2.1.2 Products Offered
        3. 5.2.1.3 Key Developments
        4. 5.2.1.4 SWOT Analysis
        5. 5.2.1.5 Key Strategies
      2. 5.2.2 Anthem (US)
        1. 5.2.2.1 Financial Overview
        2. 5.2.2.2 Products Offered
        3. 5.2.2.3 Key Developments
        4. 5.2.2.4 SWOT Analysis
        5. 5.2.2.5 Key Strategies
      3. 5.2.3 Aetna (US)
        1. 5.2.3.1 Financial Overview
        2. 5.2.3.2 Products Offered
        3. 5.2.3.3 Key Developments
        4. 5.2.3.4 SWOT Analysis
        5. 5.2.3.5 Key Strategies
      4. 5.2.4 Cigna (US)
        1. 5.2.4.1 Financial Overview
        2. 5.2.4.2 Products Offered
        3. 5.2.4.3 Key Developments
        4. 5.2.4.4 SWOT Analysis
        5. 5.2.4.5 Key Strategies
      5. 5.2.5 Humana (US)
        1. 5.2.5.1 Financial Overview
        2. 5.2.5.2 Products Offered
        3. 5.2.5.3 Key Developments
        4. 5.2.5.4 SWOT Analysis
        5. 5.2.5.5 Key Strategies
      6. 5.2.6 MetLife (US)
        1. 5.2.6.1 Financial Overview
        2. 5.2.6.2 Products Offered
        3. 5.2.6.3 Key Developments
        4. 5.2.6.4 SWOT Analysis
        5. 5.2.6.5 Key Strategies
      7. 5.2.7 Travelers (US)
        1. 5.2.7.1 Financial Overview
        2. 5.2.7.2 Products Offered
        3. 5.2.7.3 Key Developments
        4. 5.2.7.4 SWOT Analysis
        5. 5.2.7.5 Key Strategies
      8. 5.2.8 Liberty Mutual (US)
        1. 5.2.8.1 Financial Overview
        2. 5.2.8.2 Products Offered
        3. 5.2.8.3 Key Developments
        4. 5.2.8.4 SWOT Analysis
        5. 5.2.8.5 Key Strategies
      9. 5.2.9 Chubb (US)
        1. 5.2.9.1 Financial Overview
        2. 5.2.9.2 Products Offered
        3. 5.2.9.3 Key Developments
        4. 5.2.9.4 SWOT Analysis
        5. 5.2.9.5 Key Strategies
    3. 5.3 Appendix
      1. 5.3.1 References
      2. 5.3.2 Related Reports
  6. 6 LIST OF FIGURES
    1. 6.1 MARKET SYNOPSIS
    2. 6.2 US MARKET ANALYSIS BY APPLICATION
    3. 6.3 US MARKET ANALYSIS BY DISTRIBUTION CHANNEL
    4. 6.4 US MARKET ANALYSIS BY POLICY TYPE
    5. 6.5 US MARKET ANALYSIS BY DEMOGRAPHICS
    6. 6.6 US MARKET ANALYSIS BY COVERAGE TYPE
    7. 6.7 KEY BUYING CRITERIA OF BFSI
    8. 6.8 RESEARCH PROCESS OF MRFR
    9. 6.9 DRO ANALYSIS OF BFSI
    10. 6.10 DRIVERS IMPACT ANALYSIS: BFSI
    11. 6.11 RESTRAINTS IMPACT ANALYSIS: BFSI
    12. 6.12 SUPPLY / VALUE CHAIN: BFSI
    13. 6.13 BFSI, BY APPLICATION, 2024 (% SHARE)
    14. 6.14 BFSI, BY APPLICATION, 2024 TO 2035 (USD Million)
    15. 6.15 BFSI, BY DISTRIBUTION CHANNEL, 2024 (% SHARE)
    16. 6.16 BFSI, BY DISTRIBUTION CHANNEL, 2024 TO 2035 (USD Million)
    17. 6.17 BFSI, BY POLICY TYPE, 2024 (% SHARE)
    18. 6.18 BFSI, BY POLICY TYPE, 2024 TO 2035 (USD Million)
    19. 6.19 BFSI, BY DEMOGRAPHICS, 2024 (% SHARE)
    20. 6.20 BFSI, BY DEMOGRAPHICS, 2024 TO 2035 (USD Million)
    21. 6.21 BFSI, BY COVERAGE TYPE, 2024 (% SHARE)
    22. 6.22 BFSI, BY COVERAGE TYPE, 2024 TO 2035 (USD Million)
    23. 6.23 BENCHMARKING OF MAJOR COMPETITORS
  7. 7 LIST OF TABLES
    1. 7.1 LIST OF ASSUMPTIONS
  8. 7.1.1
    1. 7.2 US MARKET SIZE ESTIMATES; FORECAST
      1. 7.2.1 BY APPLICATION, 2026-2035 (USD Million)
      2. 7.2.2 BY DISTRIBUTION CHANNEL, 2026-2035 (USD Million)
      3. 7.2.3 BY POLICY TYPE, 2026-2035 (USD Million)
      4. 7.2.4 BY DEMOGRAPHICS, 2026-2035 (USD Million)
      5. 7.2.5 BY COVERAGE TYPE, 2026-2035 (USD Million)
    2. 7.3 PRODUCT LAUNCH/PRODUCT DEVELOPMENT/APPROVAL
  9. 7.3.1
    1. 7.4 ACQUISITION/PARTNERSHIP
  10. 7.4.1

US US Personal Accident Health Insurance Market Segmentation

US Personal Accident Health Insurance Market By Application (USD Million, 2026-2035)

  • Accidental Death
  • Permanent Disability
  • Temporary Disability
  • Medical Expenses
  • Funeral Expenses

US Personal Accident Health Insurance Market By Distribution Channel (USD Million, 2026-2035)

  • Direct Sales
  • Brokers
  • Online Platforms
  • Insurance Agents
  • Affiliates

US Personal Accident Health Insurance Market By Policy Type (USD Million, 2026-2035)

  • Individual Policy
  • Family Policy
  • Group Policy
  • Corporate Policy
  • Student Policy

US Personal Accident Health Insurance Market By Demographics (USD Million, 2026-2035)

  • Age
  • Gender
  • Income Level
  • Occupation
  • Health Status

US Personal Accident Health Insurance Market By Coverage Type (USD Million, 2026-2035)

  • Comprehensive Coverage
  • Basic Coverage
  • Supplemental Coverage
  • Accidental Death Coverage
  • Disability Coverage

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