欧州医療保険市場-2033年までの産業動向と予測Europe Health Insurance Market - Industry Trends and Forecast to 2033 欧州の医療保険市場は、2023年の500,069.17百万米ドルから2031年には900,270.94百万米ドルに達すると予測され、2024年から2031年の予測期間における年平均成長率は7.7%で成長する。 市場細分化: 欧州医療保険... もっと見る
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サマリー欧州の医療保険市場は、2023年の500,069.17百万米ドルから2031年には900,270.94百万米ドルに達すると予測され、2024年から2031年の予測期間における年平均成長率は7.7%で成長する。市場細分化: 欧州医療保険市場:タイプ別(製品およびソリューション)、サービス別(入院治療、外来治療、医療保証、その他)、保障レベル別(ブロンズ、シルバー、ゴールド、プラチナ)、サービスプロバイダー別(公的医療保険プロバイダー、民間医療保険プロバイダー)、医療保険プラン別(POS、専属プロバイダー組織(EPOS)、優先プロバイダー組織(PPO)、損害保険、K.,イタリア, ロシア, スペイン, トルコ, ベルギー, オランダ, スイス, デンマーク, その他ヨーロッパ) - 産業動向と2031年までの予測 欧州医療保険市場ダイナミクスの概要 推進要因 - 医療サービスのコスト増加 抑制要因 - 償還請求のための厳格な文書化プロセス 機会 - 医療費の増加 市場プレイヤー 欧州医療保険市場で事業を展開する主な市場プレーヤーは以下の通りである: - シグナ・ヘルスケア - センティーン・コーポレーション - アリアンツ・ケア(アリアンツSEの子会社) - エトナ・インク(CVSヘルス子会社) - アンセム保険会社 (エレバンス・ヘルスの子会社) - アクサ - ブロードストーン・コーポレート・ベネフィット・リミテッド - ブパ - ヘルスケア・インターナショナル・グローバル・ネットワーク社 - HBFヘルス・リミテッド - ナウヘルスインターナショナル - オラクル - ユナイテッドヘルス・グループ - Vhiグループ - バイタリティ(ディスカバリー社の子会社) - インターナショナル・メディカル・グループ(シリウスポイント子会社) 目次TABLE OF CONTENTS1 INTRODUCTION 35 1.1 OBJECTIVES OF THE STUDY 35 1.2 MARKET DEFINITION 35 1.3 OVERVIEW OF THE EUROPE HEALTH INSURANCE MARKET 35 1.4 LIMITATIONS 37 1.5 MARKETS COVERED 37 2 MARKET SEGMENTATION 41 2.1 MARKETS COVERED 41 2.2 GEOGRAPHICAL SCOPE 42 2.3 YEARS CONSIDERED FOR THE STUDY 43 2.4 CURRENCY AND PRICING 43 2.5 DBMR TRIPOD DATA VALIDATION MODEL 44 2.6 TYPE LIFELINE CURVE 47 2.7 MULTIVARIATE MODELING 48 2.8 PRIMARY INTERVIEWS WITH KEY OPINION LEADERS 49 2.9 DBMR MARKET POSITION GRID 50 2.10 MARKET END-USER COVERAGE GRID 51 2.11 DBMR MARKET CHALLENGE MATRIX 52 2.12 DBMR VENDOR SHARE ANALYSIS 53 2.13 SECONDARY SOURCES 54 2.14 ASSUMPTIONS 55 3 EXECUTIVE SUMMARY 56 4 PREMIUM INSIGHTS 59 4.1 PROFITABILITY MARGIN 60 5 MARKET OVERVIEW 61 5.1 DRIVERS 63 5.1.1 INCREASING COST OF MEDICAL SERVICES 63 5.1.2 GROWING NUMBER OF DAYCARE PROCEDURES 64 5.1.3 MANDATORY PROVISION OF HEALTH INSURANCE IN THE PRIVATE AND PUBLIC SECTORS 65 5.2 RESTRAINTS 67 5.2.1 HIGH COST OF INSURANCE PREMIUM 67 5.2.2 STRICT DOCUMENTATION PROCESS FOR CLAIM REIMBURSEMENT 68 5.3 OPPORTUNITIES 69 5.3.1 ADVANTAGES OF HEALTH INSURANCE POLICIES 69 5.3.2 INCREASING HEALTHCARE EXPENDITURE 70 5.4 CHALLENGE 71 5.4.1 LACK OF AWARENESS REGARDING THE BENEFITS OF HEALTH INSURANCE 71 6 EUROPE HEALTH INSURANCE MARKET, BY TYPE 73 6.1 OVERVIEW 74 6.2 PRODUCT 77 6.2.1 MEDICLAIM INSURANCE 78 6.2.2 INDIVIDUAL COVERAGE INSURANCE 78 6.2.3 FAMILY FLOATER COVERAGE INSURANCE 78 6.2.4 HOSPITALIZATION COVERAGE INSURANCE 78 6.2.5 SENIOR CITIZEN COVERAGE INSURANCE 78 6.2.6 CRITICAL ILLNESS INSURANCE 79 6.2.7 UNIT LINKED HEALTH PLANS 79 6.2.8 PERMANENT HEALTH INSURANCE 79 6.3 SOLUTIONS 79 6.3.1 LEAD GENERATIONS SOLUTIONS 80 6.3.2 REVENUE MANAGEMENT & BILING SOLUTIONS 80 6.3.3 ROBOTIC PROCESS AUTOMATION 80 6.3.4 INSURANCE CLOUD SOLUTIONS 80 6.3.5 CLAIMS ADMINISTRATION CLOUD SOLUTIONS 80 6.3.6 VALUE-BASED PAYMENTS SOLUTIONS 80 6.3.7 ARTIFICIAL INTELLIGENCE & BLOCK CHAIN SOLUTIONS 81 6.3.8 INTELLIGENT CASE MANAGEMENT SOLUTIONS 81 6.3.9 OTHERS 81 7 EUROPE HEALTH INSURANCE MARKET, BY SERVICES 82 7.1 OVERVIEW 83 7.2 INPATIENT TREATMENT 86 7.3 OUTPATIENT TREATMENT 87 7.4 MEDICAL ASSURANCE 87 7.5 OTHERS 88 8 EUROPE HEALTH INSURANCE MARKET, BY LEVEL OF COVERAGE 89 8.1 OVERVIEW 90 8.2 BRONZE 93 8.3 SILVER 94 8.4 GOLD 94 8.5 PLATINUM 95 9 EUROPE HEALTH INSURANCE MARKET, BY SERVICE PROVIDERS 96 9.1 OVERVIEW 97 9.2 PUBLIC HEALTH INSURANCE PROVIDERS 100 9.3 PRIVATE HEALTH INSURANCE PROVIDERS 101 10 EUROPE HEALTH INSURANCE MARKET, BY HEALTH INSURANCE PLANS 102 10.1 OVERVIEW 103 10.2 POINT OF SERVICE (POS) 106 10.3 EXCLUSIVE PROVIDER ORGANIZATION (EPOS) 107 10.4 PREFERRED PROVIDER ORGANIZATION (PPO) 107 10.5 INDEMNITY HEALTH INSURANCE 108 10.6 HEALTH MAINTENANCE ORGANIZATION (HMO) 108 10.7 HEALTH SAVINGS ACCOUNT (HSA) 109 10.8 QUALIFIED SMALL EMPLOYER HEALTH REIMBURSEMENT ARRANGEMENTS (QSEHRAS) 109 10.9 OTHERS 110 11 EUROPE HEALTH INSURANCE MARKET, BY DEMOGRAPHICS 111 11.1 OVERVIEW 112 11.2 ADULTS 115 11.3 MINORS 116 11.4 SENIOR CITIZENS 116 12 EUROPE HEALTH INSURANCE MARKET, BY COVERAGE TYPE 117 12.1 OVERVIEW 118 12.2 LIFETIME COVERAGE 121 12.3 TERM COVERAGE 122 13 EUROPE HEALTH INSURANCE MARKET, BY END USER 123 13.1 OVERVIEW 124 13.2 CORPORATES 127 13.2.1 LARGE CORPORATES 128 13.2.2 SMES 128 13.3 INDIVIDUALS 128 13.4 OTHERS 129 14 EUROPE HEALTH INSURANCE MARKET, BY DISTRIBUTION CHANNEL 130 14.1 OVERVIEW 131 14.2 DIRECT SALES 134 14.3 FINANCIAL INSTITUTIONS 135 14.4 E-COMMERCE 135 14.5 HOSPITALS 136 14.6 CLINICS 136 14.7 OTHERS 137 15 EUROPE HEALTH INSURANCE MARKET, BY REGION 138 15.1 EUROPE 141 15.1.1 GERMANY 147 15.1.2 U.K. 151 15.1.3 FRANCE 155 15.1.4 NETHERLANDS 159 15.1.5 ITALY 163 15.1.6 SPAIN 167 15.1.7 BELGIUM 171 15.1.8 RUSSIA 175 15.1.9 TURKEY 179 15.1.10 SWITZERLAND 183 15.1.11 REST OF EUROPE 187 16 EUROPE HEALTH INSURANCE MARKET: COMPANY LANDSCAPE 188 16.1 COMPANY SHARE ANALYSIS: EUROPE 188 17 SWOT ANALYSIS 189 18 COMPANY PROFILES 190 18.1 CIGNA HEALTHCARE 190 18.1.1 COMPANY SNAPSHOT 190 18.1.2 REVENUE ANALYSIS 191 18.1.3 COMPANY SHARE ANALYSIS 192 18.1.4 PRODUCT PORTFOLIO 192 18.1.5 RECENT DEVELOPMENTS 193 18.2 CENTENE CORPORATION 194 18.2.1 COMPANY SNAPSHOT 194 18.2.2 REVENUE ANALYSIS 194 18.2.3 COMPANY SHARE ANALYSIS 195 18.2.4 PRODUCT PORTFOLIO 195 18.2.5 RECENT DEVELOPMENTS 196 18.3 ALLIANZ CARE (A SUBSIDIARY OF ALLIANZ) 197 18.3.1 COMPANY SNAPSHOT 197 18.3.2 REVENUE ANALYSIS 197 18.3.3 COMPANY SHARE ANALYSIS 198 18.3.4 PRODUCT PORTFOLIO 198 18.3.5 RECENT DEVELOPMENTS 199 18.4 AETNA INC. (A SUBSIDIARY OF CVS HEALTH) 200 18.4.1 COMPANY SNAPSHOT 200 18.4.2 REVENUE ANALYSIS 200 18.4.3 COMPANY SHARE ANALYSIS 201 18.4.4 PRODUCT PORTFOLIO 201 18.4.5 RECENT DEVELOPMENT 202 18.5 ANTHEM INSURANCE COMPANIES, INC. (A SUBSIDIARY OF ELEVANCE HEALTH) 203 18.5.1 COMPANY SNAPSHOT 203 18.5.2 REVENUE ANALYSIS 203 18.5.3 PRODUCT PORTFOLIO 204 18.5.4 RECENT DEVELOPMENTS 205 18.6 AXA 206 18.6.1 COMPANY SNAPSHOT 206 18.6.2 REVENUE ANALYSIS 206 18.6.3 PRODUCT PORTFOLIO 207 18.6.4 RECENT DEVELOPMENTS 207 18.7 BROADSTONE CORPORATE BENEFITS LIMITED 209 18.7.1 COMPANY SNAPSHOT 209 18.7.2 PRODUCT PORTFOLIO 209 18.7.3 RECENT DEVELOPMENTS 210 18.8 BUPA 211 18.8.1 COMPANY SNAPSHOT 211 18.8.2 PRODUCT PORTFOLIO 211 18.8.3 COMPANY SHARE ANALYSIS 212 18.8.4 RECENT DEVELOPMENTS 212 18.9 HEALTHCARE INTERNATIONAL EUROPE NETWORK LTD. 213 18.9.1 COMPANY SNAPSHOT 213 18.9.2 PRODUCT PORTFOLIO 213 18.9.3 RECENT DEVELOPMENT 213 18.10 HBF HEALTH LIMITED 214 18.10.1 COMPANY SNAPSHOT 214 18.10.2 PRODUCT PORTFOLIO 214 18.10.3 RECENT DEVELOPMENTS 215 18.11 INTERNATIONAL MEDICAL GROUP, INC. (A SUBSIDIARY OF SIRIUS POINT LTD.) 216 18.11.1 COMPANY SNAPSHOT 216 18.11.2 REVENUE ANALYSIS 216 18.11.3 PRODUCT PORTFOLIO 217 18.11.4 RECENT DEVELOPMENTS 217 18.12 NOW HEALTH INTERNATIONAL 219 18.12.1 COMPANY SNAPSHOT 219 18.12.2 PRODUCT PORTFOLIO 219 18.12.3 RECENT DEVELOPMENTS 221 18.13 ORACLE 222 18.13.1 COMPANY SNAPSHOT 222 18.13.2 REVENUE ANALYSIS 222 18.13.3 PRODUCT PORTFOLIO 223 18.13.4 RECENT DEVELOPMENTS 223 18.14 UNITEDHEALTH GROUP 225 18.14.1 COMPANY SNAPSHOT 225 18.14.2 REVENUE ANALYSIS 225 18.14.3 PRODUCT PORTFOLIO 226 18.14.4 RECENT DEVELOPMENTS 227 18.15 VHI GROUP 229 18.15.1 COMPANY SNAPSHOT 229 18.15.2 PRODUCT PORTFOLIO 229 18.15.3 RECENT DEVELOPMENT 231 18.16 VITALITY (A SUBSIDIARY OF DISCOVERY LTD) 232 18.16.1 COMPANY SNAPSHOT 232 18.16.2 REVENUE ANALYSIS 232 18.16.3 PRODUCT PORTFOLIO 233 18.16.4 RECENT DEVELOPMENTS 233 19 QUESTIONNAIRE 234 20 RELATED REPORTS 238
SummaryThe Europe health insurance market is expected to reach USD 900,270.94 million by 2031 from USD 500,069.17 million in 2023, growing with a CAGR of 7.7% in the forecast period of 2024 to 2031. Table of ContentsTABLE OF CONTENTS1 INTRODUCTION 35 1.1 OBJECTIVES OF THE STUDY 35 1.2 MARKET DEFINITION 35 1.3 OVERVIEW OF THE EUROPE HEALTH INSURANCE MARKET 35 1.4 LIMITATIONS 37 1.5 MARKETS COVERED 37 2 MARKET SEGMENTATION 41 2.1 MARKETS COVERED 41 2.2 GEOGRAPHICAL SCOPE 42 2.3 YEARS CONSIDERED FOR THE STUDY 43 2.4 CURRENCY AND PRICING 43 2.5 DBMR TRIPOD DATA VALIDATION MODEL 44 2.6 TYPE LIFELINE CURVE 47 2.7 MULTIVARIATE MODELING 48 2.8 PRIMARY INTERVIEWS WITH KEY OPINION LEADERS 49 2.9 DBMR MARKET POSITION GRID 50 2.10 MARKET END-USER COVERAGE GRID 51 2.11 DBMR MARKET CHALLENGE MATRIX 52 2.12 DBMR VENDOR SHARE ANALYSIS 53 2.13 SECONDARY SOURCES 54 2.14 ASSUMPTIONS 55 3 EXECUTIVE SUMMARY 56 4 PREMIUM INSIGHTS 59 4.1 PROFITABILITY MARGIN 60 5 MARKET OVERVIEW 61 5.1 DRIVERS 63 5.1.1 INCREASING COST OF MEDICAL SERVICES 63 5.1.2 GROWING NUMBER OF DAYCARE PROCEDURES 64 5.1.3 MANDATORY PROVISION OF HEALTH INSURANCE IN THE PRIVATE AND PUBLIC SECTORS 65 5.2 RESTRAINTS 67 5.2.1 HIGH COST OF INSURANCE PREMIUM 67 5.2.2 STRICT DOCUMENTATION PROCESS FOR CLAIM REIMBURSEMENT 68 5.3 OPPORTUNITIES 69 5.3.1 ADVANTAGES OF HEALTH INSURANCE POLICIES 69 5.3.2 INCREASING HEALTHCARE EXPENDITURE 70 5.4 CHALLENGE 71 5.4.1 LACK OF AWARENESS REGARDING THE BENEFITS OF HEALTH INSURANCE 71 6 EUROPE HEALTH INSURANCE MARKET, BY TYPE 73 6.1 OVERVIEW 74 6.2 PRODUCT 77 6.2.1 MEDICLAIM INSURANCE 78 6.2.2 INDIVIDUAL COVERAGE INSURANCE 78 6.2.3 FAMILY FLOATER COVERAGE INSURANCE 78 6.2.4 HOSPITALIZATION COVERAGE INSURANCE 78 6.2.5 SENIOR CITIZEN COVERAGE INSURANCE 78 6.2.6 CRITICAL ILLNESS INSURANCE 79 6.2.7 UNIT LINKED HEALTH PLANS 79 6.2.8 PERMANENT HEALTH INSURANCE 79 6.3 SOLUTIONS 79 6.3.1 LEAD GENERATIONS SOLUTIONS 80 6.3.2 REVENUE MANAGEMENT & BILING SOLUTIONS 80 6.3.3 ROBOTIC PROCESS AUTOMATION 80 6.3.4 INSURANCE CLOUD SOLUTIONS 80 6.3.5 CLAIMS ADMINISTRATION CLOUD SOLUTIONS 80 6.3.6 VALUE-BASED PAYMENTS SOLUTIONS 80 6.3.7 ARTIFICIAL INTELLIGENCE & BLOCK CHAIN SOLUTIONS 81 6.3.8 INTELLIGENT CASE MANAGEMENT SOLUTIONS 81 6.3.9 OTHERS 81 7 EUROPE HEALTH INSURANCE MARKET, BY SERVICES 82 7.1 OVERVIEW 83 7.2 INPATIENT TREATMENT 86 7.3 OUTPATIENT TREATMENT 87 7.4 MEDICAL ASSURANCE 87 7.5 OTHERS 88 8 EUROPE HEALTH INSURANCE MARKET, BY LEVEL OF COVERAGE 89 8.1 OVERVIEW 90 8.2 BRONZE 93 8.3 SILVER 94 8.4 GOLD 94 8.5 PLATINUM 95 9 EUROPE HEALTH INSURANCE MARKET, BY SERVICE PROVIDERS 96 9.1 OVERVIEW 97 9.2 PUBLIC HEALTH INSURANCE PROVIDERS 100 9.3 PRIVATE HEALTH INSURANCE PROVIDERS 101 10 EUROPE HEALTH INSURANCE MARKET, BY HEALTH INSURANCE PLANS 102 10.1 OVERVIEW 103 10.2 POINT OF SERVICE (POS) 106 10.3 EXCLUSIVE PROVIDER ORGANIZATION (EPOS) 107 10.4 PREFERRED PROVIDER ORGANIZATION (PPO) 107 10.5 INDEMNITY HEALTH INSURANCE 108 10.6 HEALTH MAINTENANCE ORGANIZATION (HMO) 108 10.7 HEALTH SAVINGS ACCOUNT (HSA) 109 10.8 QUALIFIED SMALL EMPLOYER HEALTH REIMBURSEMENT ARRANGEMENTS (QSEHRAS) 109 10.9 OTHERS 110 11 EUROPE HEALTH INSURANCE MARKET, BY DEMOGRAPHICS 111 11.1 OVERVIEW 112 11.2 ADULTS 115 11.3 MINORS 116 11.4 SENIOR CITIZENS 116 12 EUROPE HEALTH INSURANCE MARKET, BY COVERAGE TYPE 117 12.1 OVERVIEW 118 12.2 LIFETIME COVERAGE 121 12.3 TERM COVERAGE 122 13 EUROPE HEALTH INSURANCE MARKET, BY END USER 123 13.1 OVERVIEW 124 13.2 CORPORATES 127 13.2.1 LARGE CORPORATES 128 13.2.2 SMES 128 13.3 INDIVIDUALS 128 13.4 OTHERS 129 14 EUROPE HEALTH INSURANCE MARKET, BY DISTRIBUTION CHANNEL 130 14.1 OVERVIEW 131 14.2 DIRECT SALES 134 14.3 FINANCIAL INSTITUTIONS 135 14.4 E-COMMERCE 135 14.5 HOSPITALS 136 14.6 CLINICS 136 14.7 OTHERS 137 15 EUROPE HEALTH INSURANCE MARKET, BY REGION 138 15.1 EUROPE 141 15.1.1 GERMANY 147 15.1.2 U.K. 151 15.1.3 FRANCE 155 15.1.4 NETHERLANDS 159 15.1.5 ITALY 163 15.1.6 SPAIN 167 15.1.7 BELGIUM 171 15.1.8 RUSSIA 175 15.1.9 TURKEY 179 15.1.10 SWITZERLAND 183 15.1.11 REST OF EUROPE 187 16 EUROPE HEALTH INSURANCE MARKET: COMPANY LANDSCAPE 188 16.1 COMPANY SHARE ANALYSIS: EUROPE 188 17 SWOT ANALYSIS 189 18 COMPANY PROFILES 190 18.1 CIGNA HEALTHCARE 190 18.1.1 COMPANY SNAPSHOT 190 18.1.2 REVENUE ANALYSIS 191 18.1.3 COMPANY SHARE ANALYSIS 192 18.1.4 PRODUCT PORTFOLIO 192 18.1.5 RECENT DEVELOPMENTS 193 18.2 CENTENE CORPORATION 194 18.2.1 COMPANY SNAPSHOT 194 18.2.2 REVENUE ANALYSIS 194 18.2.3 COMPANY SHARE ANALYSIS 195 18.2.4 PRODUCT PORTFOLIO 195 18.2.5 RECENT DEVELOPMENTS 196 18.3 ALLIANZ CARE (A SUBSIDIARY OF ALLIANZ) 197 18.3.1 COMPANY SNAPSHOT 197 18.3.2 REVENUE ANALYSIS 197 18.3.3 COMPANY SHARE ANALYSIS 198 18.3.4 PRODUCT PORTFOLIO 198 18.3.5 RECENT DEVELOPMENTS 199 18.4 AETNA INC. (A SUBSIDIARY OF CVS HEALTH) 200 18.4.1 COMPANY SNAPSHOT 200 18.4.2 REVENUE ANALYSIS 200 18.4.3 COMPANY SHARE ANALYSIS 201 18.4.4 PRODUCT PORTFOLIO 201 18.4.5 RECENT DEVELOPMENT 202 18.5 ANTHEM INSURANCE COMPANIES, INC. (A SUBSIDIARY OF ELEVANCE HEALTH) 203 18.5.1 COMPANY SNAPSHOT 203 18.5.2 REVENUE ANALYSIS 203 18.5.3 PRODUCT PORTFOLIO 204 18.5.4 RECENT DEVELOPMENTS 205 18.6 AXA 206 18.6.1 COMPANY SNAPSHOT 206 18.6.2 REVENUE ANALYSIS 206 18.6.3 PRODUCT PORTFOLIO 207 18.6.4 RECENT DEVELOPMENTS 207 18.7 BROADSTONE CORPORATE BENEFITS LIMITED 209 18.7.1 COMPANY SNAPSHOT 209 18.7.2 PRODUCT PORTFOLIO 209 18.7.3 RECENT DEVELOPMENTS 210 18.8 BUPA 211 18.8.1 COMPANY SNAPSHOT 211 18.8.2 PRODUCT PORTFOLIO 211 18.8.3 COMPANY SHARE ANALYSIS 212 18.8.4 RECENT DEVELOPMENTS 212 18.9 HEALTHCARE INTERNATIONAL EUROPE NETWORK LTD. 213 18.9.1 COMPANY SNAPSHOT 213 18.9.2 PRODUCT PORTFOLIO 213 18.9.3 RECENT DEVELOPMENT 213 18.10 HBF HEALTH LIMITED 214 18.10.1 COMPANY SNAPSHOT 214 18.10.2 PRODUCT PORTFOLIO 214 18.10.3 RECENT DEVELOPMENTS 215 18.11 INTERNATIONAL MEDICAL GROUP, INC. (A SUBSIDIARY OF SIRIUS POINT LTD.) 216 18.11.1 COMPANY SNAPSHOT 216 18.11.2 REVENUE ANALYSIS 216 18.11.3 PRODUCT PORTFOLIO 217 18.11.4 RECENT DEVELOPMENTS 217 18.12 NOW HEALTH INTERNATIONAL 219 18.12.1 COMPANY SNAPSHOT 219 18.12.2 PRODUCT PORTFOLIO 219 18.12.3 RECENT DEVELOPMENTS 221 18.13 ORACLE 222 18.13.1 COMPANY SNAPSHOT 222 18.13.2 REVENUE ANALYSIS 222 18.13.3 PRODUCT PORTFOLIO 223 18.13.4 RECENT DEVELOPMENTS 223 18.14 UNITEDHEALTH GROUP 225 18.14.1 COMPANY SNAPSHOT 225 18.14.2 REVENUE ANALYSIS 225 18.14.3 PRODUCT PORTFOLIO 226 18.14.4 RECENT DEVELOPMENTS 227 18.15 VHI GROUP 229 18.15.1 COMPANY SNAPSHOT 229 18.15.2 PRODUCT PORTFOLIO 229 18.15.3 RECENT DEVELOPMENT 231 18.16 VITALITY (A SUBSIDIARY OF DISCOVERY LTD) 232 18.16.1 COMPANY SNAPSHOT 232 18.16.2 REVENUE ANALYSIS 232 18.16.3 PRODUCT PORTFOLIO 233 18.16.4 RECENT DEVELOPMENTS 233 19 QUESTIONNAIRE 234 20 RELATED REPORTS 238
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