ASEAN ୺せᅜࡢᦆᐖಖ㝤ᕷሙࡢືྥ
㸫᪂ᆺࢥࣟࢼ࢘࢖ࣝࢫឤᰁ⑕࡟ࡼࡾຍ㏿ࡍࡿࢹࢪࢱࣝ໬ࢆ୰ᚰ࡟㸫୺ᖍ◊✲ဨ 㣤㔝 ⏤ెᏊ┠  ḟ

㸯㸬ࡣࡌࡵ࡟
㸰㸬ASEAN ࠾ࡼࡧ ASEAN ୺せᅜࡢಖ㝤ᕷሙࡢᴫせ
㸦1㸧 ASEAN ࡢᴫせ㸦2㸧 ASEAN ୺せᅜࡢಖ㝤ᕷሙࡢᴫせ㸱㸬ASEAN ୺せᅜࡢᦆᐖಖ㝤ᕷሙࡢືྥ
㸦1㸧 ࢩ࣏࣮ࣥ࢞ࣝ
㸦2㸧 ࣐࣮ࣞࢩ࢔
㸦3㸧 ࢖ࣥࢻࢿࢩ࢔
㸦4㸧 ࢱ࢖
㸦5㸧 ࣇ࢕ࣜࣆࣥ
㸲㸬࠾ࢃࡾ࡟

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損保総研レポート第135号 2021.6

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せ᪨
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᪂ᆺࢥࣟࢼ࢘࢖ࣝࢫឤᰁ⑕ࡣᮍࡔ⊛ጾࢆ᣺ࡿ࠸⥆ࡅ࡚࠸ࡿࡀࠊ኱ࡁ࡞ᙳ㡪ࢆཷࡅࡓḢ⡿ྛᅜ࡜ẚ㍑ࡍࡿ࡜ࠊ࢔ࢪ࢔ㅖᅜࡣࡇࢀࡲ࡛ࡢ࡜ࡇࢁ⥲ࡌ࡚࠺ࡲࡃᑐᛂࡋ࡚࠸ࡿ࡜ࡉࢀ

࡚࠾ࡾࠊASEAN ຍ┕ᅜಖ㝤ᴗ⏺࡟࠾ࡅࡿࡇࡢᮍ᭮᭷ࡢ༴ᶵ࡬ࡢᑐᛂࡣࡴࡋࢁࠊ༴ᶵࢆ
ࢹࢪࢱࣝ໬ಁ㐍࡬ࡢ⤯ዲࡢᶵ఍࡜ࡋ࡚࡜ࡽ࠼ࡿ๓ྥࡁ࡞ጼໃ࡛࠶ࡿ࡜ホ౯ࡉࢀ࡚࠸ࡿࠋ
ᮏ✏࡛ࡣࠊASEAN ୺せᅜ࡟↔Ⅼࢆᙜ࡚ࠊࡲࡎࡣ ASEAN ࡢ⤒῭࠾ࡼࡧಖ㝤ᕷሙ➼ࡢᴫせࢆㄝ᫂ࡋࡓ࠺࠼࡛ࠊࣃࣥࢹ࣑ࢵࢡ࡟ࡼࡾຍ㏿ࡋࡓ࡜ࡉࢀࡿࢹࢪࢱࣝ໬࡟╔┠ࡋࠊỴ῭࢔ࣉࣜࢧ࣮ࣅࢫࢩࢫࢸ࣒ࢆ฼⏝ࡋࡓಖ㝤ᩱᨭᡶࡸ࢖ࣥࢩࣗ࢔ࢸࢵࢡ௻ᴗࡢࣉࣛࢵࢺ
ࣇ࢛࣮࣒ࢆ฼⏝ࡋࡓ࣐࢖ࢡࣟಖ㝤㈍኎࡜࠸ࡗࡓྛᅜࡢྲྀ⤌࡞࡝ࢆࠊ᪂ᆺࢥࣟࢼ࢘࢖ࣝࢫ
ឤᰁ⑕ᣑ኱ࡢᙳ㡪࠾ࡼࡧᦆᐖಖ㝤ᴗ⏺ࡢᑐᛂ࡜࡜ࡶ࡟ྲྀࡾୖࡆࡿࠋⱝᖺᒙࡀከ࠸ேཱྀᵓ
ᡂࡸࠊᨻᗓࡢつไ࡟ࡼࡿᨭ᥼࡞࡝ࢆ⫼ᬒ࡟ࠊᛴ㏿࡟ಁ㐍ࡉࢀ࡚࠸ࡿ ASEAN ୺せᅜ࡟࠾ࡅࡿࢹࢪࢱࣝ໬࡟ಀࡿࡑ࠺ࡋࡓྲྀ⤌ࡣࠊࢃࡀᅜࡢᦆᐖಖ㝤ᴗ⏺ࡀ௒ᚋࡉࡽ࡞ࡿࢹࢪࢱࣝ
໬ࢆ㐍ࡵࡿ࠺࠼࡛ࡢཧ⪃࡟࡞ࡿ࡜⪃࠼ࡿࠋࡲࡓࡑࡢ୰࡛ࠊᙜ◊✲ᡤࡀ᪥ᮏᦆᐖಖ㝤༠఍࡜ࡢඹദ஦ᴗ࡜ࡋ࡚ᐇ᪋ࡋ࡚࠸ࡿ ISJ ࢥ࣮ࢫࢆࡇࢀࡲ࡛࡟ཷㅮࡋࡓࠊASEAN ྛᅜࡢᦆᐖಖ㝤ᴗ⏺㛵ಀ⪅ࡀࠊࡑࢀࡒࢀࡢᅜ࣭ᆅᇦ࡟࠾ࡅࡿᦆᐖಖ㝤ᴗ⏺ࡢࢹࢪࢱࣝ໬࡬ࡢᑐᛂ
࡟ࡘ࠸࡚ᐤࡏ࡚ࡃࢀࡓ᝟ሗ࣭ࢥ࣓ࣥࢺࡶ⤂௓ࡍࡿࠋ
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損保総研レポート第135号 2021.6

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㸯㸬ࡣࡌࡵ࡟
ᮍࡔ⊛ጾࢆ᣺ࡿ࠸⥆ࡅࡿ᪂ᆺࢥࣟࢼ࢘࢖ࣝࢫឤᰁ⑕࡟㛵ࡋ࡚ࠊᙜ◊✲ᡤ࡛ࡣࠕḢ⡿୺せᅜࡢಖ㝤ᴗ⏺࡟࠾ࡅࡿ᪂ᆺࢥࣟࢼ࢘࢖ࣝࢫឤᰁ⑕࡬ࡢᑐᛂࠖ࡜㢟ࡋࡓㄪᰝሗ࿌᭩ࢆ
2021 ᖺ 3 ᭶࡟ห⾜ࡋࡓࠋࡇࡢᮍ᭮᭷ࡢ༴ᶵ࡟ᑐࡋࠊ኱ࡁ࡞ᙳ㡪ࢆཷࡅࡓḢ⡿ྛᅜ࡜ẚ㍑
ࡍࡿ࡜ࠊ࢔ࢪ࢔ㅖᅜࡣࡇࢀࡲ࡛ࡢ࡜ࡇࢁ⥲ࡌ࡚࢘࢖ࣝࢫࡢᢚ࠼㎸ࡳ࡟࠺ࡲࡃᑐᛂࡋ࡚࠸
ࡿ࡜ࡉࢀ࡚࠾ࡾࠊ࣐࣮ࣞࢩ࢔෌ಖ㝤㸦Malaysian Re㸧ࡣ࣏࣮ࣞࢺࡢ୰࡛ࠊᮾ༡࢔ࢪ࢔ㅖ
ᅜ㐃ྜ㸦Association of Southeast Asian Nations㸸௨ୗࠕASEANࠖ㸧࡟ᒓࡍࡿᅜࠎࡢಖ
㝤ᴗ⏺ࡢࣃࣥࢹ࣑ࢵࢡ࡬ࡢᑐᛂࢆࠊ༴ᶵࢆࢹࢪࢱࣝ໬ಁ㐍࡬ࡢ⤯ዲࡢᶵ఍࡜ࡋ࡚࡜ࡽ࠼
ࡿ๓ྥࡁ࡞ጼໃ࡜ࡋ࡚ホ౯ࡋ࡚࠸ࡿ1ࠋᙜ◊✲ᡤ࡛ࡣࠊࡇࢀࡲ࡛࡟ 2013 ᖺ࠾ࡼࡧ 2015 ᖺࡢ 2 ᅇࠊ࢔ࢪ࢔ㅖᅜ࡟㛵ࡍࡿㄪᰝࢆ
ᐇ᪋ࡋࠊྛᅜࡢᦆᐖಖ㝤ᴗ⏺ࡢᴫせࠊ୺せၟရࠊ࠾ࡼࡧつไ࣭┘╩ไᗘ࡞࡝ࢆࡲ࡜ࡵࡓ
ㄪᰝሗ࿌᭩ࢆⓎ⾜ࡋ࡚࠸ࡿࠋྠㄪᰝሗ࿌᭩ࡢⓎ⾜࠿ࡽ 6 ᖺࡀ⤒㐣ࡋࡓࡇ࡜ࠊࡲࡓࠊ᪂ᆺ
ࢥࣟࢼ࢘࢖ࣝࢫឤᰁ⑕࡟ࡼࡿࣃࣥࢹ࣑ࢵࢡ࡜࠸࠺ࠊ࠿ࡘ࡚⤒㦂ࡋࡓࡇ࡜ࡢ࡞࠸༴ᶵࡢⓎ⏕࠿ࡽ 1 ᖺᩘ࢝᭶ࡀ⤒㐣ࡋࡓࡇ࡜ࢆ㋃ࡲ࠼ࠊᮏ✏࡛ࡣࠊ࢔ࢪ࢔ㅖᅜࡢ࠺ࡕ ASEAN ୺せᅜ࡟↔Ⅼࢆᙜ࡚ࠊྛᅜࡢᦆᐖಖ㝤ᕷሙࡢືྥ࡟ࡘ࠸࡚ྲྀࡾୖࡆࡿࡇ࡜࡜ࡋࡓࠋࡲࡎࡣ
ASEAN ࡢ⤒῭࠾ࡼࡧಖ㝤ᕷሙ➼ࡢᴫせࢆㄝ᫂ࡋࡓ࠺࠼࡛ࠊ୺せᅜࡢᦆᐖಖ㝤ᕷሙࡢࣃ࣮ࢺ࡟࠾࠸࡚ࠊ᪂ᆺࢥࣟࢼ࢘࢖ࣝࢫឤᰁ⑕ᣑ኱ࡢᙳ㡪࡜ᦆᐖಖ㝤ᴗ⏺ࡢᑐᛂࠊ≉࡟ࣃࣥࢹ࣑ࢵࢡ࡟ࡼࡾຍ㏿ࡋࡓ࡜ࡉࢀࡿࢹࢪࢱࣝ໬࡟╔┠ࡋ࡚ࡑࡢືྥࢆྲྀࡾୖࡆࡿࠋࡑࡢ୰
࡛ࠊࡇࢀࡲ࡛࡟ ISJ ୖ⣭ࢥ࣮ࢫ2ࢆཷㅮࡋࡓᦆᐖಖ㝤ᴗ࡟ᦠࢃࡿཧຍ⪅㸦௨ୗ㸸ࠕISJ ཧຍ⪅ࠖ㸧ࡀࠊࡑࢀࡒࢀࡢᅜ࣭ᆅᇦ࡟࠾ࡅࡿᦆᐖಖ㝤ᴗ⏺ࡢᑐᛂ࡟ࡘ࠸࡚ᐤࡏ࡚ࡃࢀࡓ᝟ሗ࣭
ࢥ࣓ࣥࢺࡶ⤂௓ࡍࡿࠋ࡞࠾ࠊᮏ✏࡟࠾ࡅࡿពぢ࣭⪃ᐹࡣ➹⪅ࡢಶேⓗぢゎ࡛࠶ࡾࠊᡤᒓ⤌⧊ࢆ௦⾲ࡍࡿࡶࡢ࡛ࡣ࡞࠸ࡇ࡜ࢆ࠾᩿ࡾࡋ࡚࠾ࡃࠋ

㸰㸬ASEAN ࠾ࡼࡧ ASEAN ୺せᅜࡢಖ㝤ᕷሙࡢᴫせ㸧ASEAN ࡢᴫせ㸦1㸧ᮏ㡯࡛ࡣࠊASEAN ࡢᴫせࢆᇶᮏⓗ࡞⤫ィ࡜࡜ࡶ࡟⤂௓ࡍࡿࠋASEAN ࡜ࡣࠊᆅᇦࡢ
ᖹ࿴࡜Ᏻᐃࠊࡲࡓ⤒῭ᡂ㛗ࡢಁ㐍ࢆ┠ⓗ࡜ࡋ࡚ࠊ1967 ᖺ࡟タ❧ࡉࢀࡓᆅᇦ༠ຊᶵᵓ࡛
࠶ࡿࠋタ❧ᙜึࡢຍ┕ᅜࡣࠊࢩ࣏࣮࣭࣐࣮ࣥ࢞ࣝࣞࢩ࢔࣭࢖ࣥࢻࢿࢩ࢔࣭ࢱ࢖࣭ࣇ࢕ࣜ
ࣆࣥࡢ 5 ࢝ᅜ࡛࠶ࡗࡓࡀࠊࡑࡢᚋࠊࣈࣝࢿ࢖㸦1984 ᖺ㸧ࠊ࣋ࢺࢼ࣒㸦1995 ᖺ㸧ࠊࣛ࢜
Malaysian Re, “ASEAN Insurance Pulse 2020”㸦2020.12㸧ᙜ◊✲ᡤ࡜࢔ࢪ࢔ㅖᅜ࡜ࡢࡘ࡞ࡀࡾࡣ῝ࡃࠊ࢔ࢪ࢔ྛᆅᇦࡢᦆᐖಖ㝤㛵ಀ⪅ࢆᑐ㇟࡜ࡋࡓ᪥ᮏᅜ㝿ಖ㝤Ꮫᰯ㸦The Insurance School (Non-Life) of Japan㸸௨ୗࠕISJࠖ
㸧ࢆࠊ᪥ᮏᦆᐖಖ㝤༠఍࡜ࡢඹദ஦ᴗ࡜
ࡋ࡚ 1972 ᖺ࠿ࡽᐇ᪋ࡋ࡚࠸ࡿࠋ1991 ᖺ࡟ࡣࠊࡑࢀࡲ࡛ࡢ ISJ ୍⯡ࢥ࣮ࢫ࡟ຍ࠼ࠊ⟶⌮⪅ᒙࢆᑐ㇟࡜ࡍࡿ ISJ ୖ⣭ࢥ࣮ࢫࡶ㛤タࡋࡓࠋ2020 ᖺࡣ᪂ᆺࢥࣟࢼ࢘࢖ࣝࢫឤᰁ⑕ᣑ኱ࡢᙳ㡪ࢆཷࡅࠊISJ ୍⯡ࢥ࣮ࢫࡢ㛤ദࡣぢ㏦ࡽࢀࡓࡀࠊISJ ୖ⣭ࢥ࣮ࢫࡣࢥ࣮ࢫෆᐜࢆ 2 ᅇ࡟ศࡅ࡚ 2020 ᖺ 12 ᭶࠾ࡼࡧ 2021 ᖺ 3 ᭶࡟࢜ࣥࣛ࢖࡛ࣥ㛤ദࡉࢀࡓࠋ

1
2

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損保総研レポート第135号 2021.6

ࢫࠊ࣑࣐࣮ࣕࣥ㸦1997 ᖺ㸧ࠊ࠾ࡼࡧ࢝ࣥ࣎ࢪ࢔㸦1999 ᖺ㸧ࡀຍ┕ࡋࠊ⌧ᅾࡣ 10 ࢝ᅜ࡛ᵓᡂࡉࢀ࡚࠸ࡿࠋ
ᅗ⾲ 1 ࡣࠊᅜ㝿㐃ྜ㸦United Nations㸧ࡢࢹ࣮ࢱ࣮࣋ࢫ3࡟ࡼࡿ ASEAN ྛᅜࡢேཱྀ
᥎ィ࣭ண ࡛࠶ࡿࠋ2020 ᖺࡢ ASEAN ඲యࡢேཱྀࡣ⣙ 6 ൨ 6,700 ୓ே࡜᥎ィࡉࢀ࠾ࡾࠊ
ࡑࡢᩘࡣୡ⏺⥲ேཱྀࡢ⣙ 8.6%ࢆ༨ࡵࡿࠋ2050 ᖺࡢேཱྀண ࡟┠ࢆྥࡅࡿ࡜ࠊேཱྀῶᑡ
ࡀ௒ᚋࡢᦆᐖಖ㝤ᕷሙ࡟࠾ࡅࡿ཰ධಖ㝤ᩱῶᑡࡢ୺せせᅉ࡜ࡉࢀ࡚࠸ࡿࢃࡀᅜ4࡛ࡣࠊ
2020 ᖺࡢேཱྀ࠿ࡽ⣙ 16.3㸣ࡶῶᑡࡍࡿ࡜ண ࡉࢀ࡚࠸ࡿࡢ࡟ᑐࡋࠊASEAN ࡛ࡣࠊࢱ࢖ࢆ㝖ࡁࡍ࡭࡚ࡢᅜ࡟࠾࠸࡚ேཱྀࡣቑຍࡍࡿ࡜ண ࡉࢀ࡚࠾ࡾࠊࣇ࢕ࣜࣆࣥࠊ࢝ࣥ࣎ࢪ
࢔ࠊ࠾ࡼࡧࣛ࢜ࢫ࡛ࡣቑຍ⋡ࡀ 30㸣ࢆ㉸࠼࡚࠸ࡿࠋ
ᅗ⾲ 2 ࡣࠊ཰ධಖ㝤ᩱࡢቑῶ࡟┤᥋ᙳ㡪ࢆ୚࠼ࡿ࡜ࡉࢀ࡚࠸ࡿ5GDP㸦ྡ┠㸧6࡜ୡ⏺
㖟⾜࡟ࡼࡿ Doing Business ࡜࿧ࡤࢀࡿࣛࣥ࢟ࣥࢢ࡛࠶ࡿࠋ2020 ᖺࡣ᪂ᆺࢥࣟࢼ࢘࢖
ࣝࢫឤᰁ⑕ࡢᙳ㡪ࢆཷࡅࠊ࣋ࢺࢼ࣒ࠊ࣑࣐࣮ࣕࣥࢆ㝖ࡃࡍ࡭࡚ࡢ ASEAN ㅖᅜ࡟࠾࠸
࡚࣐࢖ࢼࢫ࡟࡞ࡿ࡜ࡉࢀ࡚࠸ࡿ GDP ᡂ㛗⋡ࡣࠊ2021 ᖺ࡟ࡣᣢࡕ┤ࡋࠊࣈࣝࢿ࢖௨እ
ࡣࣃࣥࢹ࣑ࢵࢡⓎ⏕๓ࡢ 2019 ᖺࢆୖᅇࡿ࡜ண ࡉࢀ࡚࠸ࡿࠋDoing Business ࡣࠊୡ⏺ 190 ࢝ᅜ࣭ᆅᇦࢆᑐ㇟࡜ࡋ࡚ࠊ஦ᴗ㛤ጞࡢᐜ᫆ࡉ࡞࡝ࡢࣅࢪࢿࢫ⎔ቃ࡟㛵ࡍࡿ 10 ศ
㔝7ࢆᣦᶆ໬ࡋ㡰఩௜ࡅࡋࡓࡶࡢ࡛࠶ࡿࠋࡑࡢ㡰఩ྥୖࢆᅜᐙ┠ᶆ࡜ࡋ࡚࠸ࡿᅜࡶ࠶ࡾࠊ
ࢃࡀᅜࡶ 2030 ᖺ࡟ G20 ࡢᅜࠎࡢ୰࡛ 1 ఩࡟࡞ࡿࡇ࡜ࢆ஦ᴗ⎔ቃᨵၿࡢࡓࡵࡢᡂ㛗ᡓ
␎ࡢ KPI ࡟ᤣ࠼࡚࠸ࡿࠋASEAN ࡛ࡣࢩ࣏࣮ࣥ࢞ࣝ8ࠊ࣐࣮ࣞࢩ࢔ࠊ࠾ࡼࡧࢱ࢖ࡢ 3 ࢝ᅜࡀୖ఩ 30 ఩ෆ࡟ධࡗ࡚࠾ࡾࠊࣇ࢕ࣜࣆࣥࡣ 190 ࢝ᅜ୰ 95 ఩࡛ࡣ࠶ࡿࡀࠊἲேタ❧ࡢࡓࡵࡢ᭱ప㈨ᮏせ௳ࢆ᧔ᗫࡋࡓࡇ࡜࡞࡝ࡀホ౯࡟ࡘ࡞ࡀࡾࠊ๓ᖺࡢ 124 ఩࠿ࡽ኱ᖜ
࡟㡰఩ࢆୖࡆ࡚࠸ࡿࠋ
ᅗ⾲ 3 ࡣࠊASEAN ࡜௚ࡢᆅᇦ⤒῭⤫ྜయ࡜ࡢẚ㍑࡛࠶ࡿࠋASEAN ࡣ⤒῭つᶍ࡛ࡣḢᕞ㐃ྜ㸦EU㸧ࠊ໭⡿⮬⏤㈠᫆༠ᐃ㸦NAFTA㸧ࢆୗᅇࡿࡶࡢࡢࠊேཱྀ࡟࠾࠸࡚ࡣ௚ࡢᆅᇦ⤒῭⤫ྜయࢆୖᅇࡗ࡚࠸ࡿࠋ

World Population Prospects ࡜࠸࠺ࢹ࣮ࢱ࣮࣋ࢫ࡛ࠊୡ⏺ྛᅜࡢ⥲ேཱྀ࣭⏨ዪูேཱྀ࣭ฟ⏕⋡࣭Ṛஸ⋡࡞࡝࡟ࡘ࠸࡚ㄪ࡭ࡿࡇ࡜ࡀ࡛ࡁࡿࠋᮏ✏࡛౑⏝ࡋࡓࢹ࣮ࢱ࣮࣋ࢫࡣࠊ235 ࡢᅜ࡟࠾ࡅࡿ 1950 ᖺ㹼2020 ᖺࡲ࡛ࡢ᥎ィ࡜ 2020 ᖺ㹼2100 ᖺࡲ࡛ࡢண ࡢ 150 ᖺ㛫ࢆᑐ㇟࡜ࡋࡓࡶࡢ࡛ࠊ᥎ィ್࡜ண ್ࢆศࡅࡿ
2020 ᖺࡣࠊண ್ࡢᇶ‽ᖺ࡜ࡉࢀ࡚࠸ࡿࠋࡲࡓᅗ⾲ 1 ࡢ 2050 ᖺࡢண ᩘ್ࡣࠊప఩࣭୰఩࣭㧗఩᥎ィࡢ࠺ࡕ୰఩᥎ィࢆ౑⏝ࡋ࡚࠸ࡿࠋ
4 Ernst & Young, “2020 Japan Insurance Outlook: Trends and imperatives shaping the life and nonlife market”㸦2020.1㸧
5 Malaysian Re, “Malaysian Insurance Highlights 2020”㸦2021.2㸧࡯࠿ࠋ
6 ᅜ㝿㏻㈌ᇶ㔠㸦International Monetary Fund㸸௨ୗࠕIMFࠖ㸧࡟ࡼࡿࠋ
7 ձἲேタ❧ࠊղᘓタチྍࠊճ㟁ຊࠊմ୙ື⏘Ⓩグࠊյಙ⏝౪୚ࠊնᢞ㈨ᐙಖㆤࠊշ⣡⛯ࠊո㍺ฟධࠊչዎ⣙ᇳ⾜ࠊպ◚⥢ฎ⌮ࡢ 10 ศ㔝࡛࠶ࡿࠋ
8 ࢩ࣏࣮ࣥ࢞ࣝࡣ 2016 ᖺ࡟ 1 ఩ࢆ⋓ᚓᚋࠊ2017 ᖺ࠿ࡽ 2020 ᖺࡲ࡛ 2 ఩ࢆ⥔ᣢࡋ࡚࠸ࡿࠋ
3

損保総研レポート第135号 2021.6-4―4―

ᅗ⾲ 1 ASEAN ྛᅜࡢேཱྀ           2020 ᖺ㸦᥎ィ㸧㡰఩ேཱྀ
4
273,524
13
109,58115
97,33920
69,80026
54,41045
32,36671
16,719
105
7,276
114
5,850
175
437
667,302ᅜ࢖ࣥࢻࢿࢩ࢔
ࣇ࢕ࣜࣆࣥ
࣋ࢺࢼ࣒
ࢱ࢖
࣑࣐࣮ࣕࣥ
࣐࣮ࣞࢩ࢔
࢝ࣥ࣎ࢪ࢔
ࣛ࢜ࢫ
ࢩ࣏࣮ࣥ࢞ࣝ
ࣈࣝࢿ࢖
ASEAN ィ

㡰఩
6
13
16
29
33
51
74
99
120
178

㸦ୡ⏺ࡢ 8.6㸣㸧

1
2
11

୰ᅜ
࢖ࣥࢻ
᪥ᮏ

1,439,324
1,380,004
126,476   㸦ὀ㸧2020 ᖺ᥎ィ࠿ࡽࡢቑῶ⋡ண

2050㸦
㸦ண 㸧
ேཱྀ
ቑῶ⋡㸦ὀ㸧
330,90521.0㸣
31.9㸣
144,48812.6㸣
109,605▲5.5㸣
65,94014.4㸣
62,25325.9㸣
40,55030.8㸣
21,861
30.3㸣
9,480
9.5㸣
6,408
12.6㸣
492
791,98218.7㸣

㸦ୡ⏺ࡢ 8.1㸣㸧

2
1
17

7,794,799ୡ⏺ ィ㸦༢఩㸸༓ே㸧

1,402,405
1,639,176
105,804

▲2.6㸣
18.8㸣
▲16.3㸣

9,735,034

24.9㸣

࡛࠶ࡿࠋ

㸦ฟ඾㸸United Nations ࢙࢘ࣈࢧ࢖ࢺࢆࡶ࡜࡟సᡂ㸧ᅗ⾲ 2 ASEAN ྛᅜࡢ GDP ࡜ୡ⏺㖟⾜஦ᴗ⎔ቃ㡰఩      ᅜGDP㸦㸦 ྡ┠ 㸧
2020 ᖺ㸦ぢ㎸㸧㸦ὀ㸧2019 ᖺ

࢖ࣥࢻࢿࢩ࢔
ࢱ࢖ࣇ࢕ࣜࣆࣥࢩ࣏࣮ࣥ࢞ࣝ
࣐࣮ࣞࢩ࢔
࣋ࢺࢼ࣒
࣑࣐࣮ࣕࣥ
࢝ࣥ࣎ࢪ࢔
ࣛ࢜ࢫ
ࣈࣝࢿ࢖
ASEAN ィ1,120,141
543,564
376,795
372,066
364,684
329,537
68,641
26,72819,05913,4703,234,685

ୡ⏺
㡰఩
16
24
34
35
37
40
72
105
115
135
-

⡿ᅜ
᪥ᮏ

21,433,225
5,079,916

13

㔠㢠㸦༢఩㸸ⓒ୓㺢㺼㺷㸧

2021 ᖺ㸦ண㸧㸦ὀ㸧2020 ᖺ
ୡ⏺㖟⾜
஦ᴗ⎔ቃ
㡰఩

㔠㢠

ᡂ 㛗⋡

㔠㢠

ᡂ㛗⋡

1,088,768
509,200
367,362
337,451
336,330
340,60270,89026,316
18,653
10,647
3,106,219

▲2.8㸣
▲6.3㸣
▲2.5㸣
▲9.3㸣
▲7.8㸣
3.4㸣
3.3㸣
▲1.5㸣
▲2.1㸣
▲21.0㸣
▲4.0㸣

1,167,180
536,841
398,332
362,524
380,261
369,494
77,17228,547
19,26912,1283,351,748

7.2㸣
5.4㸣
8.4㸣
7.4㸣
13.1㸣
8.5㸣
8.9㸣
8.5㸣
3.3㸣
13.9㸣
7.9%

73
21
95
2
12
70
165
144
154
66
-

20,807,269
4,910,580

▲2.9㸣
▲3.3㸣

21,921,585
5,103,175

5.4㸣
3.9㸣

6
29

㸦ὀ㸧2020 ᖺ 10 ᭶∧ࡢ᥎ィ࡟ࡼࡿぢ㎸್࡜ண್࡛࠶ࡿࠋ㸦ฟ඾㸸IMF ࢙࢘ࣈࢧ࢖ࢺࠊWorld Bank Group, “Doing Business 2020”㸦2019.10㸧ࢆࡶ࡜࡟సᡂ㸧-5―5―

損保総研レポート第135号 2021.6

ᅗ⾲ 3 ASEAN ࡜௚ࡢᆅᇦ⤒῭⤫ྜయ࡜ࡢẚ㍑㸦2019 ᖺ㸧
1 ே ᙜࡓ ࡾࡢ
GDP



ຍ ┕ᅜ

ேཱྀ

GDP㸦
㸦ྡ┠㸧

ᮾ༡࢔ࢪ࢔ㅖᅜ㐃ྜ
㸦ASEAN㸧Ḣᕞ㐃ྜ㸦EU㸧໭⡿⮬⏤㈠᫆༠ᐃ
㸦NAFTA㸧༡⡿ඹྠᕷሙ
㸦MERCOSUR㸧

10 ࢝ᅜ

6 ൨ 6,062 ୓ே

3 ඙ 1,731 ൨㺢㺼㺷4,803 㺢㺼㺷27 ࢝ᅜ㸦ὀ㸯㸧
3 ࢝ᅜ 㸦⡿ᅜࠊ࢝ࢼࢲࠊ࣓࢟ࢩࢥ㸧4 ൨ 4,751 ୓ே

15 ඙ 5,927 ൨㺢㺼㺷3 ୓ 4,843 㺢㺼㺷

4 ൨ 9,340 ୓ே

24 ඙ 4,224 ൨㺢㺼㺷4 ୓ 9,467 㺢㺼㺷

6 ࢝ᅜ㸦ὀ㸰㸧3 ൨ 652 ୓ே

2 ඙ 4,986 ൨㺢㺼㺷8,151 㺢㺼㺷㸦ὀ㸯㸧࢔࢖ࣝࣛࣥࢻࠊ࢖ࢱࣜ࢔ࠊ࢚ࢫࢺࢽ࢔ࠊ࣮࢜ࢫࢺࣜ࢔ࠊ࢜ࣛࣥࢲࠊ࢟ࣉࣟࢫࠊࢠࣜࢩࣕࠊࢡࣟ࢔
ࢳ࢔ࠊࢫ࢙࣮࢘ࢹࣥࠊࢫ࣌࢖ࣥࠊࢫࣟࣂ࢟࢔ࠊࢫࣟ࣋ࢽ࢔ࠊࢳ࢙ࢥࠊࢹ࣐࣮ࣥࢡࠊࢻ࢖ࢶࠊࣁࣥ
࣮࢞ࣜࠊࣇ࢕ࣥࣛࣥࢻࠊࣇࣛࣥࢫࠊࣈࣝ࢞ࣜ࢔ࠊ࣋ࣝࢠ࣮ࠊ࣏࣮ࣛࣥࢻࠊ࣏ࣝࢺ࢞ࣝࠊ࣐ࣝࢱࠊ
ࣛࢺࣅ࢔ࠊࣜࢺ࢔ࢽ࢔ࠊ࣮࣐ࣝࢽ࢔ࠊࣝࢡࢭࣥࣈࣝࢢࡢ 27 ࢝ᅜ࡛࠶ࡿࠋ
㸦ὀ㸰㸧࢔ࣝࢮࣥࢳࣥࠊ࢘ࣝࢢ࢔࢖ࠊࣃࣛࢢ࢔࢖ࠊࣈࣛࢪࣝࠊ࣋ࢿࢬ࢚ࣛࠊ࣎ࣜࣅ࢔ࡢ 6 ࢝ᅜ࡛࠶ࡿࠋ
㸦ฟ඾㸸࢔ࢪ࢔኱ὒᕞᒁᆅᇦᨻ⟇ཧ஦ᐁᐊࠕ┠࡛ぢࡿ ASEAN㸫ASEAN ⤒῭⤫ィᇶ♏㈨ᩱ㸫ࠖ㸦2020.8㸧ࢆࡶ࡜࡟సᡂ㸧

㸦2㸧
㸧ASEAN ୺せᅜࡢಖ㝤ᕷሙࡢᴫせᮏ㡯࡛ࡣࠊࢫ࢖ࢫ෌ಖ㝤࡟ࡼࡿୡ⏺ 147 ࢝ᅜࢆᑐ㇟࡜ࡋࡓ⤫ィ࡟ᇶ࡙ࡁࠊASEAN5࡜ࡉࢀࡿ୺せᅜࡢಖ㝤ᕷሙ࡟ࡘ࠸࡚ㄝ᫂ࡍࡿࠋ
ᅗ⾲ 4 ࡟♧ࡍ࡜࠾ࡾࠊASEAN ୺せᅜࡢୡ⏺ᕷሙ࡟࠾ࡅࡿࢩ࢙࢔ࡣࡑࢀࡒࢀᴟࡵ࡚
పࡃࠊ⏕࿨࣭ᦆᐖಖ㝤ྜィ࡛ࡶ 1.64㸣࡟࡜࡝ࡲࡿࡀࠊᅗ⾲ 5 ࡢ᥎⛣ࢆぢࡿ࡜ࠊ཰ධಖ
㝤ᩱࡣᖺࠎ⦆ࡸ࠿࡞ࡀࡽࡶቑຍࡋ࡚࠸ࡿࡇ࡜ࡀࢃ࠿ࡿࠋࡲࡓࠊྜィಖ㝤ᩱ࡟༨ࡵࡿᦆᐖ
ಖ㝤ࡢ๭ྜࡣ࠸ࡎࢀࡢᅜ࡟࠾࠸࡚ࡶ 3 ศࡢ 1 ⛬ᗘ࡛࠶ࡾࠊ⏕࿨ಖ㝤ࡢ༨ࡵࡿ๭ྜࡀ㧗࠸ࠋᅗ⾲ 6 ࡛ࡣࠊಖ㝤ᩱࡀ GDP ࡟༨ࡵࡿ๭ྜ࡛࠶ࡿಖ㝤ᾐ㏱⋡ࢆ♧ࡋ࡚࠸ࡿࡀࠊྜィಖ㝤ᾐ㏱⋡࡛ࡣୡ⏺➨ 17 ఩ࡢࢩ࣏࣮ࣥ࢞ࣝࢆ㝖ࡁ࠸ࡎࢀࡢᅜࡶୡ⏺ᖹᆒࡼࡾపࡃࠊᦆᐖ
ಖ㝤ࡢᾐ㏱⋡ࡣࢩ࣏࣮ࣥ࢞ࣝ࡟࠾࠸࡚ࡶୡ⏺ᖹᆒࢆୗᅇࡗ࡚࠸ࡿࠋ࢔ࢪ࢔᪂⯆ᅜ9࡟࠾ࡅࡿಖ㝤ᾐ㏱⋡ࡢపࡉࡣࠊࢪࣗࢿ࣮ࣈ༠఍㸦Geneva Association㸧ࡢ࣏࣮ࣞࢺ10࡞࡝࡛ࡶಖ㝤ᴗ⏺ࡢㄢ㢟࡜ࡋ࡚ྲྀࡾୖࡆࡽࢀ࡚࠾ࡾࠊᙜヱㄢ㢟ࡢ୺せᅉࡣࠊಖ㝤ࡢධᡭྍ⬟ᛶ
㸦Accessibility㸧ࠊᡭ㡭࡞౯᱁㸦Affordability㸧ࠊ࠾ࡼࡧಖ㝤ࡢᚲせᛶ࡟ࡘ࠸࡚ࡢㄆ㆑
㸦Awareness㸧ࡢḞዴ࡛࠶ࡿ࡜ࡉࢀ࡚࠸ࡿ11ࠋ

IMF ࡟ࡼࡿ࡜ࠊ࢔ࢪ࢔᪂⯆ᅜࡣࠊ୰ᅜ࣭࢖ࣥࢻ࣭࢖ࣥࢻࢿࢩ࢔࣭࣐࣮ࣞࢩ࢔࣭ࣇ࢕ࣜࣆ࣭ࣥࢱ࢖࣭࣋ࢺ
ࢼ࣒ࡢ 7 ࢝ᅜ࡜ศ㢮ࡉࢀ࡚࠸ࡿࠋࡲࡓࠊࢩ࣏࣮ࣥ࢞ࣝࡣࢃࡀᅜ࡜ྠᵝ࡟࢔ࢪ࢔ඛ㐍ᅜࡢ 1 ࡘ࡜ࡉࢀ࡚࠸
ࡿࠋ
10 Geneva Association, “Understanding and Addressing Global Insurance Protection Gaps”㸦2018.4㸧
11 Clarence Wong, “Large and getting larger: Emerging Asia’s protection gaps”㸦Peak Re, 2021.3㸧
9

損保総研レポート第135号 2021.6-6―6―

ᅗ⾲ 4 ASEAN ୺せᅜࡢ 2019 ᖺࡢ཰ධಖ㝤ᩱ㸦෌ಖ㝤ࢆྵࡴ㸧ᅜࢩ࣏࣮ࣥ࢞ࣝ
ࢱ࢖࢖ࣥࢻࢿࢩ࢔
࣐࣮ࣞࢩ࢔
ࣇ࢕ࣜࣆࣥ
5 ࢝ᅜィ

⏕ ࿨ ࣭ᦆ ᐖ ಖ 㝤 ྜ ィ㡰⏕ ᦆྜ ィ
ୡ⏺ᕷሙ
ಖ㝤ᩱ
ࢩ࢙࢔
఩
24
30,813
0.49㸣
27
0.43㸣
27,12329
0.35㸣
22,28633
0.27㸣
17,150
46
0.10㸣
6,195
1.64㸣
103,567
1
3

⡿ᅜ
᪥ᮏ
ୡ⏺ィ

2,460,123
459,347
6,292,600



39.10㸣
7.30㸣


ᦆᐖ
ಖ 㝤ᩱ

㸦༢఩㸸ⓒ୓㺢㺼㺷㸧

ᦆ ᐖಖ㝤
⏕ᦆྜィ࡟
ᑐࡍࡿ๭ྜ

⏕࿨ಖ㝤
⏕࿨
⏕ᦆྜィ࡟
ಖ 㝤ᩱ
ᑐࡍࡿ๭ྜ

8,638
9,316
6,487
4,985
1,941
31,367

28.0㸣
34.3㸣
29.1㸣
29.1㸣
31.3㸣
30.1㸣

22,17517,807
15,79912,165
4,254
72,200

72.0㸣
65.7㸣
70.9㸣
70.9㸣
68.7㸣
69.7㸣

1,831,601
118,019
3,376,333

74.5㸣
25.7㸣
53.7㸣

628,522
341,328
2,916,267

25.5㸣
74.3㸣
46.3㸣

㸦ฟ඾㸸Swiss Re, “sigma No4/2020 World insurance: riding out the 2020 pandemic storm”㸦2020.7㸧
ࢆࡶ࡜࡟సᡂ㸧ᅗ⾲ 5 ᦆᐖಖ㝤ඖཷಖ㝤ᩱࡢ᥎⛣
10000
ಖ
㝤
ᩱ
䥹
༢
఩
࣭
ⓒ
୓
ࢻ
ࣝ
䥺

8000
6000
4000
2000
0

2016ᖺ

2017ᖺ

ࢩ࣏࣮ࣥ࢞ࣝ
࣐࣮ࣞࢩ࢔

2018ᖺ

2019ᖺ

ࢱ࢖
ࣇ࢕ࣜࣆࣥ

࢖ࣥࢻࢿࢩ࢔⥺ᙧ (ࣇ࢕ࣜࣆࣥ)㸦ฟ඾㸸Swiss Re, “sigma No4/2020 World insurance: riding out the 2020 pandemic storm”
㸦2020.7㸧࡯࠿ࢆࡶ࡜࡟సᡂ㸧ᅗ⾲ 6 2019 ᖺ ASEAN ୺せᅜࡢᅜẸ 1 ே࠶ࡓࡾࡢಖ㝤ᩱ࣭ಖ㝤ᾐ㏱⋡ ಖ㝤ᾐ㏱⋡ 㸦ὀ㸧

ᅜẸ 1 ே࠶ࡓࡾࡢಖ㝤ᩱᅜࢩ࣏࣮ࣥ࢞ࣝ
࣐࣮ࣞࢩ࢔ࢱ࢖࢖ࣥࢻࢿࢩ࢔
ࣇ࢕ࣜࣆࣥ

㡰
఩
11
40
50
73
79

ྎ‴
᪥ᮏ
ୡ⏺ᖹᆒ

9
16


ᦆ ᐖ ಖ㝤

⏕࿨ಖ㝤

㡰
఩

ྜィ

4,872
560
389
82
57

1,028
156
134
24
18

3,844
380
256
58
39

17
34
30
62
67

4,872
3,621
818

865
930
439

4,129
2,691
379

1
13


ྜィ

㸦༢఩㸸㺢㺼㺷㸧

-7―7―

ᦆᐖಖ㝤

⏕࿨ಖ㝤

7.55㸣
4.72㸣
4.99㸣
1.99㸣
1.72㸣

1.59㸣
1.37㸣
1.71㸣
0.58㸣
0.54㸣

5.96㸣
3.35㸣
3.28㸣
1.41㸣
1.18㸣

19.97㸣
9.00㸣
7.23㸣

3.48㸣
2.31㸣
3.88㸣

16.51㸣
6.69㸣
3.35㸣

損保総研レポート第135号 2021.6

㸦ὀ㸧ಖ㝤ᩱࡢ GDP ࡟༨ࡵࡿ๭ྜ࡛࠶ࡿࠋ
㸦ฟ඾㸸Swiss Re, “sigma No4/2020 World insurance: riding out the 2020 pandemic storm”㸦2020.7㸧
ࢆࡶ࡜࡟సᡂ㸧

㸱㸬ASEAN ୺せᅜࡢᦆᐖಖ㝤ᕷሙࡢືྥ
ᮏ㡯࡛ࡣࠊASEAN ୺せᅜ࡛࠶ࡿࢩ࣏࣮ࣥ࢞ࣝࠊ࣐࣮ࣞࢩ࢔ࠊ࢖ࣥࢻࢿࢩ࢔ࠊࢱ࢖ࠊ࠾
ࡼࡧࣇ࢕ࣜࣆࣥ࡟ࡘࡁࠊa.ᦆᐖಖ㝤ᕷሙ࡟ࡘ࠸࡚12ࠊb.᪂ᆺࢥࣟࢼ࢘࢖ࣝࢫឤᰁ⑕ᣑ኱ࡢ
ᙳ㡪࡜ᦆᐖಖ㝤ᴗ⏺ࡢᑐᛂࠊ࠾ࡼࡧ c.ࢹࢪࢱࣝ໬࡬ࡢᑐᛂࠊࡢ㡯┠࡟ࢃࡅ࡚ㄝ᫂ࡍࡿࠋ
࡞࠾ࠊࢹࢪࢱࣝ໬࡬ࡢᑐᛂࡶࠊᇶᮏⓗ࡟᪂ᆺࢥࣟࢼ࢘࢖ࣝࢫឤᰁ⑕ᣑ኱࡟క࠺ᦆᐖಖ㝤ᴗ⏺ࡢᑐᛂࡢ୍㒊࡛࠶ࡿࡀࠊ౽ᐅⓗ࡟⊂❧ࡋࡓ㡯┠࡜ࡋ࡚ᩚ⌮ࡋࡓࠋ

㸦1㸧㸧ࢩ࣏࣮ࣥ࢞ࣝ
a㸬㸬ᦆᐖಖ㝤ᕷሙ࡟ࡘ࠸࡚
AXCO ࡢ࣏࣮ࣞࢺ13࡛ࡣࠊࢩ࣏࣮ࣥ࢞ࣝࡢᦆᐖಖ㝤ᕷሙࡣᏳᐃࡋࡓᦆᐖ≧ἣ࡟ࡼࡿ࢜
࣮ࣂ࣮࢟ࣕࣃࢩࢸ࢕ࡀ⥆ࡁ⃭ࡋ࠸➇த࡟ࡉࡽࡉࢀ࡚࠸ࡿࡓࡵ࡟ࠊ᪂つཧධࡸ཰ධಖ㝤ᩱࡢఙࡧ࡜࠸࠺Ⅼ࡟࠾࠸࡚ࡣࠊ࠶ࡲࡾືࡁࡢ࡞࠸ᡂ⇍ࡋࡓᕷሙ࡛࠶ࡿ࡜ࡉࢀ࡚࠸ࡿࠋᦆ
ᐖಖ㝤఍♫ࡣ 2020 ᖺ 11 ᭶᫬Ⅼ࡛ 56 ♫Ꮡᅾࡋࠊ2019 ᖺࡢ཰ධಖ㝤ᩱ࡛ࡣࠊୖ఩ 5 ♫࡛ 37.4㸣ࠊୖ఩ 10 ♫࡛ 58.3㸣ࢆ༨ࡵ࡚࠸ࡿࠋୖ఩♫ࡢ࡯࡜ࢇ࡝ࡣᾏእࡢಖ㝤ࢢ࣮ࣝࣉ࡟ᒓࡋ࡚࠸ࡿࡇ࡜࠿ࡽࡶࢃ࠿ࡿࡼ࠺࡟ࠊࢩ࣏࣮ࣥ࢞ࣝಖ㝤ᕷሙࡢ≉ᚩࡢ 1 ࡘ࡜ࡋ࡚እᅜࡢಖ㝤఍♫ࡀከ࠸ࡇ࡜ࡀᣲࡆࡽࢀࡿ14ࠋࢩ࣏࣮ࣥ࢞ࣝࡢಖ㝤ᕷሙ࡟࠾ࡅࡿ୺せ㈍኎ࢳࣕࢿ࡛ࣝ࠶ࡿಖ㝤ࣈ࣮࣮ࣟ࢝࡟ࡣࠊୡ
⏺ⓗ࡞኱ᡭࣈ࣮࣮ࣟ࢝࠿ࡽᆅሙࡢࣈ࣮࣮ࣟ࢝ࡲ࡛ᵝࠎ࡞஦ᴗつᶍࡢࡶࡢࡀᏑᅾࡍࡿࡀࠊ
㢳ᐈᒙࡣ᫂☜࡟ศ࠿ࢀ࡚࠾ࡾ➇ྜࡍࡿࡇ࡜ࡣ࡞࠸࡜ࡉࢀ࡚࠸ࡿࠋ
2019 ᖺ 8 ᭶࡟ಖ㝤┘╩ᙜᒁ࡛࠶ࡿࢩ࣏࣮ࣥ࢞ࣝ㔠⼥⟶⌮ᒁ㸦Monetary Authority ofSingapore㸸௨ୗࠕMASࠖ㸧ࡀ❧ࡕୖࡆࡓ Sandbox Express15ࢆ฼⏝࡛ࡁࡿ஦ᴗ⪅࡜ࡋ࡚ಖ㝤ࣈ࣮࣮ࣟ࢝ࡶᑐ㇟࡜ࡉࢀࡓࡇ࡜࠿ࡽࠊ࢜ࣥࣛ࢖ࣥ࡟ࡼࡿಖ㝤௰௓ࡢᣑ኱ࡀᮇᚅ
ࡉࢀ࡚࠾ࡾࠊࡑࢀ࡟క࠸ಖ㝤ࣈ࣮࣮ࣟ࢝࡟ࡼࡿ㈍኎ࢩ࢙࢔ࡀࡉࡽ࡟ቑຍࡍࡿࡇ࡜ࡶ⪃ᮏ㡯࡛グ㍕ࡋ࡚࠸ࡿᩘ್ࡣࡍ࡭࡚ࠊධᡭྍ⬟࡞┤㏆ࡢබ㛤᝟ሗࠊࡲࡓࡣ ISJ ཧຍ⪅࠿ࡽධᡭࡋࡓ᝟ሗ
࡛࠶ࡿࠋ
13 AXCO, “Non-Life Insurance Market Report: Singapore”㸦2021.4㸧
14 2019 ᖺࡢ཰ධಖ㝤ᩱ㸦ᅜෆ※Ἠࡢዎ⣙ࡢࡳ㸧ࢩ࢙࢔ 1 ఩㸦8.71㸣㸧ࡢᦆᐖಖ㝤఍♫ࡣࠊ཰ධಖ㝤ᩱࡢ
80㸣ᙉࢆ⮬ື㌴ಖ㝤ࡀ༨ࡵࡿࠊ1970 ᖺ࡟タ❧ࡉࢀࡓࢩ࣏࣮ࣥ࢞ࣝ၏୍ࡢಖ㝤༠ྠ⤌ྜ࡛࠶ࡿ NTUC
Income ࡛࠶ࡿࠋࡇࡢ௚ࠊୖ఩ 20 ♫ࡢ࠺ࡕࢩ࣏࣮ࣥ࢞ࣝࢆᮏᣐᆅ࡜ࡍࡿಖ㝤఍♫ࡣࠊ10 ఩ࡢ Great
Eastern General Insurance Limited ࡢࡳ࡛࠶ࡿࠋ
15 つไࢧࣥࢻ࣎ࢵࢡࢫ㸦Sandbox㸧࡜ࡣࠊ㠉᪂ⓗᢏ⾡ࡸࢧ࣮ࣅࢫࢆ஦ᴗ໬ࡍࡿࡇ࡜ࢆ┠ⓗ࡜ࡋ࡚ࠊ࠶ࡽ࠿
ࡌࡵᐃࡵࡽࢀࡓ⠊ᅖ࣭ᮇ㛫ෆ࡟࠾࠸࡚⌧⾜つไࡢ㐺⏝ࢆཷࡅࡿࡇ࡜࡞ࡃࠊ౛࠼ࡤ⮬ື㉮⾜㌴࡞࡝ࡢ᪂ᢏ⾡ࡸ㔠⼥ၟရ࡟࠾ࡅࡿ᪂ࡋ࠸ࢧ࣮ࣅࢫ࡞࡝ࢆࣛ࢖ࣈ⎔ቃ࡛ヨ⾜ࡍࡿࡇ࡜ࡀ࡛ࡁࡿไᗘࢆᣦࡍࠋࢩ࣏࣮ࣥ࢞ࣝ
ࡢ Sandbox Express ࡣࠊྠไᗘࡢ⏦ㄳ࡟ಀࡿᮇ㛫ࢆ㎿㏿໬ࡋࡓࡶࡢ࡛࠶ࡿࠋASEAN ࡛ࡣࢩ࣏࣮ࣥ࢞ࣝ
ࡢ௚ࠊࢱ࢖ࠊ࢖ࣥࢻࢿࢩ࢔ࠊ࣐࣮ࣞࢩ࢔ࠊࣇ࢕ࣜࣆࣥ࡟࠾࠸࡚ྠไᗘࡀᐇ᪋ࡉࢀ࡚࠸ࡿࠋ
12

損保総研レポート第135号 2021.6-8―8―

࠼ࡽࢀࡿࠋSandbox Express ࡛ࡣࠊMAS ࡬ࡢ⏦ㄳᚋ 21 ᪥௨ෆ࠿ࡽ 9 ࢝᭶㛫ࠊ㠉᪂ⓗ࡞ಖ㝤௰௓ࣉࣛࢵࢺࣇ࢛࣮࣒ࡸၟရࢆࠊᐃ⩏࡙ࡅࡽࢀࡓ⠊ᅖෆ࡟࠾࠸࡚ࣛ࢖ࣈ⎔ቃ࡛
ヨ⾜ࡍࡿࡇ࡜ࡀ࡛ࡁࡿࠋ
MAS ࡣࡲࡓࠊᚑᴗဨᩘ㸦ᙺဨࢆྵࡴ㸧ࡀ 200 ྡᮍ‶ࡢ⏕࿨࣭ᦆᐖಖ㝤఍♫ࡢ௦⌮ᗑࢆᑐ㇟࡜ࡋࡓࢹࢪࢱࣝ໬ຍ㏿ຓᡂ㔠ࡢᙉ໬ࢆࠊ2021 ᖺ㸲᭶࡟Ⓨ⾲ࡋ࡚࠸ࡿ16ࠋࢹࢪࢱࣝ໬ࡣᛴ㏿࡟㐍ࢇ࡛࠸ࡿࡀࠊ୍᪉࡛ࠊࢹࢪࢱࣝ࡟⢭㏻ࡋࡓⱝ࠸ୡ௦࡟࠾࠸࡚ࡶࠊಖ㝤ࣈ࣮࣮ࣟ࢝ࡸ௦⌮ᗑࢆ㏻ࡌ࡚ಖ㝤࡟ຍධࡍࡿࡇ࡜ࢆዲࡴ࡜࠸࠺ㄪᰝ⤖ᯝࡶ࠶ࡿ17ࠋᅗ⾲ 7 ࢩ࣏࣮ࣥ࢞ࣝࡢ཰ධಖ㝤ᩱࡢ✀┠ู๭ྜ࡜㈍኎ࢳࣕࢿูࣝ๭ྜ
✀┠ู๭ྜ㸦2019 ᖺ㸧
ࡑࡢ௚
19.3%
᪑⾜
1.4%

㈍኎ࢳࣕࢿูࣝ๭ྜ

⮬ື㌴
27.6%

യᐖ
4.1%
⯪⯧࣭
㈌≀
6.8%

་⒪
16.9%
ປ⅏
9.3%

㈈⏘
14.5%

ࢳࣕࢿࣝ

2018 ᖺ

ࢲ࢖ࣞࢡࢺ

5.0㸣ಖ㝤ࣈ࣮࣮ࣟ࢝

50.0㸣

௦⌮ᗑ

35.0㸣

ࣂࣥ࢝
ࢩࣗ࢔ࣛࣥࢫ

5.0㸣

࢖ࣥࢱ࣮ࢿࢵࢺ

5.0㸣

ࡑࡢ௚

-

㸦ฟ඾㸸General Insurance Association of Singapore, “Annual Report 2019”㸦2020.3㸧
ࠊAXCO,“Non-Life Insurance Market Report: Singapore”㸦2021.4㸧ࢆࡶ࡜࡟సᡂ㸧㸬᪂ᆺࢥࣟࢼ࢘࢖ࣝࢫឤᰁ⑕ᣑ኱ࡢᙳ㡪࡜ᦆᐖಖ㝤ᴗ⏺ࡢᑐᛂb㸬ᮏ✏ࢆᇳ➹୰ࡢ 5 ᭶ 21 ᪥⌧ᅾࠊࢩ࣏࣮ࣥ࢞ࣝࡢ᪂ᆺࢥࣟࢼ࢘࢖ࣝࢫ࡬ࡢឤᰁ⪅ᩘࡣ⣼ィ࡛ 6 ୓ 1,770 ேࠊ4 ᭶ 20 ᪥ࡢ 6 ୓ 865 ே࠿ࡽ 905 ேࡢቑຍ࡜࡞ࡗ࡚࠾ࡾࠊ᪥ࠎࡢ᪂つឤᰁ⪅ᩘࡶ 20 ே࠿ࡽ 40 ே࡜ⴠࡕ╔࠸ࡓ≧ែࢆ⥔ᣢࡋ࡚࠸ࡿࠋ
ࢩ࣏࣮ࣥ࢞ࣝࡢᦆᐖಖ㝤༠఍㸦General Insurance Association of Singapore㸸௨ୗ
ࠕGIAࠖ㸧࡟ࡼࡿ࡜ࠊ᪂ᆺࢥࣟࢼ࢘࢖ࣝࢫឤᰁ⑕ᣑ኱ࡢᙳ㡪ࢆཷࡅࡓ 2020 ᖺࡢᦆᐖಖ
㝤ࡢ⥲཰ධಖ㝤ᩱࡣࠊᑐ๓ᖺẚ 0.2㸣ࡢῶᑡ࡟࡜࡝ࡲࡾࠊ࡯ࡰᶓࡤ࠸ࡢᡂ⦼࡜࡞ࡗࡓࠋ
✀┠ู࡛ࡣᦆᐖಖ㝤඲య࡟ᑐࡍࡿ᪑⾜ಖ㝤ࡢ๭ྜࡀ 5.2㸣࠿ࡽ 1.4㸣࡟ῶᑡࡋࡓࡀࠊࡑ
ࢀ௨እࡢ✀┠๭ྜ࡟ࡘ࠸࡚ࡣᅗ⾲ 7㸦2019 ᖺ㸧࠿ࡽ኱ࡁ࡞ኚ໬ࡣ࡞࠸ࠋ
16᪂ᆺࢥࣟࢼ࢘࢖ࣝࢫឤᰁ⑕ࡢᙳ㡪ࢆཷࡅࡓᑠつᶍ࡞㔠⼥㛵㐃஦ᴗ⪅ࡢᅇ᚟࡜ࡑࡢᚋࡢᡂ㛗ࢆᨭ᥼ࡍࡿࡓ
ࡵ࡟㛤ጞࡉࢀࡓࠋᨭ᥼ࡢᑐ㇟࡜࡞ࡿࢹࢪࢱࣝ໬ࢯ࣮ࣜࣗࢩࣙࣥࡣࠊࢡࣛ࢘ࢻࢧ࣮ࣅࢫࠊࢥ࣑ࣗࢽࢣ࣮ࢩࣙ
ࣥࢶ࣮ࣝࠊ㢳ᐈ࡜ࡢ࢚ࣥࢤ࣮ࢪ࣓ࣥࢺࢶ࣮ࣝࠊࢹ࣮ࢱศᯒ࡞࡝࡛࠶ࡿࠋຓᡂ㔠࡛ࡣࡑ࠺ࡋࡓࢯ࣮ࣜࣗࢩࣙ
ࣥᑟධ㈝⏝ࡢ 80㸣ࡀࠊ1 ௻ᴗ 12 ୓ SG 㺢㺼㺷㸦⣙ 995 ୓෇㸸2021 ᖺ 5 ᭶ᮎࡢⅭ࣮᭰ࣞࢺ࡛࠶ࡿ 1SG㸻82.91 ෇࡛᥮⟬ࡋ࡚࠸ࡿࠋ
㸧ࢆୖ㝈࡜ࡋ࡚ᨭ⤥ࡉࢀࡿࠋ
17 General Insurance Association of Singapore, “Annual Report 2020”㸦2021.3㸧

-9―9―

損保総研レポート第135号 2021.6

ࣃࣥࢹ࣑ࢵࢡⓎ⏕ᚋࡢᑐᛂ࡜ࡋ࡚ࡣࠊGIA ࡢ఍ဨ఍♫࡟ࡼࡿࠊ᪂タࡉࢀࡓ᪂ᆺࢥࣟ
ࢼ࢘࢖ࣝࢫឤᰁ⑕ᑐᛂࡢබඹ་⒪᪋タ࡟ධ㝔ࡋࡓ⏕࿨࣭་⒪ಖ㝤ࡢዎ⣙⪅࡟ᑐࡍࡿࠊ⌧⾜⿵ൾ࡟ୖ஌ࡏࡉࢀࡓ 14 ᪥㛫ࡢ⌧㔠⤥௜࠾ࡼࡧ㐲㝸デ⒪࡟ᑐࡍࡿ⑓㝔࡬ࡢᨭᡶ⿵ൾࡸࠊ⤒῭ⓗ࡟ᅔ❓ࡋࡓಶே࠾ࡼࡧ୰ᑠ௻ᴗࡢ⤒Ⴀ⪅ࡢಖ㝤ዎ⣙⪅ࢆᑐ㇟࡜ࡋ࡚ࠊಖ㝤ᩱࡢᨭᡶᮇ㝈ࡢᘏ㛗ࡸศ๭ᡶࢆㄆࡵࡿ࡞࡝ࡢᥐ⨨ࡢᐇ᪋ࡀᣲࡆࡽࢀࡿࠋ
GIA ࡣ 2021 ᖺࢆࣃࣥࢹ࣑ࢵࢡ࠿ࡽࡢᅇ᚟࡬ࡢ㔜せ࡞ 1 ᖺ࡜఩⨨࡙ࡅᴗ⏺ࢆᨭ᥼ࡋ࡚࠸ࡃ࡜ࡋ࡚࠾ࡾࠊ⤒῭᚟άࡢ㘽࡜࡞ࡿᾏእ࠿ࡽࡢ᪑⾜⪅ཷධࢆᏳ඲࡟෌㛤ࡍࡿࡓࡵ࡟ࠊࢩ࣏࣮ࣥ࢞ࣝ࡬ࡢ᪑⾜ࢆ⿵ൾࡍࡿಖ㝤ࢆࠊࢩ࣏࣮ࣥ࢞ࣝほගᒁ࠾ࡼࡧࢳࣕࣥࢠ✵ࢢ࣮ࣝࣉ࡜ඹྠ㛤Ⓨࡋࡓࡇ࡜ࢆ 2020 ᖺ 11 ᭶࡟Ⓨ⾲ࡋࡓࠋc㸬㸬ࢹࢪࢱࣝ໬࡬ࡢᑐᛂ
ࢪࣗࢿ࣮ࣈ༠఍ࡀⓎ⾜ࡋࡓࢹࢪࢱࣝࣅࢪࢿࢫࣔࢹࣝ࡟㛵ࡍࡿ࣏࣮ࣞࢺ18࡟࠾࠸࡚ࠊࢩ
࣏࣮ࣥ࢞ࣝࡣ୰ᅜ࣭⡿ᅜ࣭࢖ࢠࣜࢫ࡜࡜ࡶ࡟ࠊಖ㝤఍♫ࡀࢹࢪࢱࣝ໬ࢆ㐍ࡵࡿ㝿ࡢつไ࡟ࡼࡿ㞀ቨࡀ᭱ࡶᑡ࡞࠸ᅜࡢࢣ࣮ࢫ࡜ࡋ࡚ྲྀࡾୖࡆࡽࢀ࡚࠸ࡿࠋྠ࣏࣮ࣞࢺ࡛ࡣࠊࢩࣥ
࣏࣮࢞ࣝࡢࢹࢪࢱࣝ໬ࡢᡂຌせᅉࢆࠊࢹࢪࢱࣝ໬ࡢಁ㐍࡟ពᅗࡏࡎ㈉⊩ࡋࡓ࡜⪃࠼ࡽࢀࡿ MAS ࡢつไᑐᛂ࡜ࠊMAS ࡜ಖ㝤ᴗ⏺ࡀ⥅⥆ⓗ࡟᝟ሗࢆඹ᭷ࡋᑐヰࡢᩥ໬ࢆ⫱ࡴࡇ࡜࡟ࡼࡾࠊ₯ᅾⓗ࡞ၥ㢟ࢆ㎿㏿࡟≉ᐃࡋᑐᛂࡋ࡚ࡁࡓ⤖ᯝ࡛࠶ࡿ࡜ࡋ࡚࠸ࡿࠋࢩ࣏࣮ࣥ࢞ࣝࡢホ౯࡟ࡘ࡞ࡀࡗࡓ MAS ࡢ୺࡞ᑐᛂࡣ௨ୗࡢ࡜࠾ࡾ࡛࠶ࡿࠋ‫ ۑ‬ಖ㝤఍♫ࡢࢹࢪࢱࣝ໬࡬ࡢࢽ࣮ࢬࢆࡼࡃ⌮ゎࡋࠊࢹࢪࢱࣝ໬࡟క࠸ቑຍࡍࡿ࡜
⪃࠼ࡽࢀࡿࢧ࢖ࣂ࣮ࣜࢫࢡ࡟㛵ࡋࠊಖ㝤఍♫࡟ὀពႏ㉳ࢆಁࡍ㏻▱ࢆ᪩࠸ẁ㝵
࡛Ⓨฟࡋࡓࠋ‫ ۑ‬2020 ᖺ 4 ᭶ 16 ᪥࠿ࡽ 9 ᭶ 30 ᪥ࡢ㛫ࠊಶேࡀ┤᥋ᦆᐖಖ㝤఍♫ࡢ௦⌮ᗑ࡜ࡋ࡚㞠⏝ࡲࡓࡣ௵࿨ࡉࢀࡓሙྜࠊࡑࡢಶேࡀ㞠⏝࣭௵࿨ࡉࢀࡓ᪥࠿ࡽ 6 ࢝᭶㛫㸦ࡲࡓࡣ MAS ࡀ᭩㠃࡛ㄆྍࡋࡓᮇ㛫㸧ࠊ௦⌮ᗑ㈨᱁ヨ㦂せ௳ࢆ‶ࡓࡋ࡚࠸࡞࠸
ሙྜ࡛ࡶᦆᐖಖ㝤఍♫ࡢ㈐௵ࡢࡶ࡜࡛ເ㞟⾜Ⅽࢆ⾜࠺ࡇ࡜ࢆㄆࡵࡓࠋ‫ ۑ‬஦๓೺ᗣデ᩿ࢆᚲせ࡜ࡍࡿಖ㝤ࡢᘬཷ࡟࠾࠸࡚ࠊࣟࢵࢡࢲ࢘ࣥࡲࡓࡣ᪂ᆺࢥࣟ
ࢼ࢘࢖ࣝࢫឤᰁ⑕࡬ࡢᑐᛂ࡛㐕㏕ࡋ࡚࠸ࡿ་⒪≧ἣ࡟ࡼࡾ㢳ᐈࡀ೺ᗣデ᩿ࢆཷࡅࡽࢀ࡞࠸࡜࠸࠺ၥ㢟ࢆゎỴࡍࡿࡓࡵ࡟ࠊMAS ࡣಖ㝤఍♫࡟⮬ᕫ⏦࿌࡟ࡼࡿ་⒪᝟ሗࡢ᥇⏝ࡸࠊᚲせ࡞་⒪᝟ሗࢆᚋ௜࡛ᥦฟࡍࡿࡇ࡜ࢆ᮲௳࡟ᘬཷࢆ⾜࠺࡞࡝ࡢ௦᭰᱌ࡢ㐺⏝ࢆㄆࡵࡓࠋ
ࢹࢪࢱࣝ໬ࡢ୍⎔࡜ࡋ࡚ GIA ࡣࡲࡓࠊ௦⌮ᗑࢆ㏻ࡌ࡚ಖ㝤࡟ຍධࡍࡿሙྜ࡛ࡶࠊ
PayNow19ࡸ௚ࡢỴ῭ࢧ࣮ࣅࢫࢩࢫࢸ࣒ࢆ฼⏝ࡋࠊಖ㝤ᩱࢆ┤᥋ಖ㝤఍♫࡟ᨭᡶ࠺࣮ࣝ
18
19

Geneva Association, “Regulatory Considerations for Digital Insurance Business Models”㸦2021.3㸧
ᦠᖏ㟁ヰࢆά⏝ࡋࡓ㖟⾜ࡢ㏦㔠࣭ཷྲྀࢧ࣮ࣅࢫ࡛ࠊ㖟⾜࡟ཱྀᗙࡀ࠶ࢀࡤ 24 ᫬㛫 365 ᪥ࠊ↓ᩱ࡛㖟⾜㛫

損保総研レポート第135号 2021.6- 10 ― 10 ―ࣝ20ࢆᑟධࡋࡓࠋGIA ࡣࠊࡇࡢಖ㝤ᩱᚩ཰ࣉࣟࢭࢫࡢᨵၿ࡟ࡼࡾࠊ௦⌮ᗑࡣࢥࣥࢧࣝࢸ
࢕ࣥࢢࡸᣑ㈍࡟ࡼࡾ㞟୰ࡍࡿࡇ࡜ࡀ࡛ࡁࠊࡲࡓブḭࡸࢹࣇ࢛ࣝࢺࣜࢫࢡࡶపῶࡍࡿࡇ
࡜ࡀ࡛ࡁࡿ࡜ࡋ࡚࠸ࡿࠋ࡞࠾ࠊᦆᐖಖ㝤఍♫ࡣಖ㝤ᩱࡢཷ㡿☜ㄆ᏶஢ᚋ࡟௦⌮ᗑ࡟ᡭᩘᩱࢆᨭᡶ࠺ࡓࡵࠊ௦⌮ᗑࡣᘬࡁ⥆ࡁዎ⣙⪅ࡢಖ㝤ᩱᨭᡶ≧ἣࢆ⟶⌮ࡍࡿᚲせࡀ࠶ࡿࠋISJ ཧຍ⪅ࡢࢥ࣓ࣥࢺࢆ⤂௓ࡍࡿ࡜ࠊࢩ࣏࣮ࣥ࢞ࣝࡢከࡃࡢᦆᐖಖ㝤఍♫ࡣࠊಖ㝤ຍධ࣭ಖ㝤㔠ㄳồࢆࢫ࣐࣮ࢺࣇ࢛ࣥୖ࡛⾜࠼ࡿ࢔ࣉࣜࡢᬑཬಁ㐍࡟ὀຊࡋ࡚࠸ࡿ࡜ࡢࡇ
࡜࡛࠶ࡿࠋ࣑ࣞࢽ࢔ࣝୡ௦21࡜࿧ࡤࢀࡿᖺ௦ࡢ᪂ࡓ࡞㢳ᐈᒙࢆྲྀࡾ㎸ࡴࡇ࡜ࡀ᭱኱ࡢ┠ⓗ࡛ࡣ࠶ࡿࡀࠊ࢔ࣉࣜࢆά⏝ࡍࡿࡇ࡜࡟ࡼࡾࠊዎ⣙ࡸಖ㝤㔠ᨭᡶ࡟ಀࡿ᫬㛫ࢆ▷⦰ࡍࡿࡇ࡜ࡀ࡛ࡁ㈝⏝ࡢ๐ῶࡶᮃࡵࡿࡇ࡜࠿ࡽࠊ㢳ᐈ‶㊊ᗘࡢࡼࡾ㧗࠸ࢧ࣮ࣅࢫࢆᥦ౪ࡍࡿ
ࡇ࡜ࡀ࡛ࡁࡿ࡜ࡋ࡚࠸ࡿࠋ୍᪉ࠊࡑࡢ㛤Ⓨ࣭⥔ᣢ࣭ᬑཬಁ㐍࡟ࡣᗈ࿌㈝⏝ࢆྵࡴከ㢠ࡢ㈝⏝ࡀ࠿࠿ࡿࡇ࡜ࠊࡲࡓ 2021 ᖺ 2 ᭶࡟ᨵᐃࡉࢀࡓಶே᝟ሗಖㆤἲ㸦Personal Data
Protection Act㸧22ࡢᨵᐃ࡬ࡢᑐᛂ࡞࡝ࡀࠊ௒ᚋࡢ㈍኎࡟࠾࠸࡚࢔ࣉࣜࡀᗈࡃά⏝ࡉࢀࡿࡼ࠺࡟࡞ࡿࡓࡵࡢㄢ㢟࡛࠶ࡿ࡜ࡋ࡚࠸ࡿࠋ
ࡲࡓࠊ⮬ື㌴ಖ㝤ࡢಖ㝤㔠ᨭᡶࢆ⮬ື໬ࡍࡿࡇ࡜࡟ࡼࡾᨭᡶࣉࣟࢭࢫࢆ㎿㏿໬ࡍࡿࡇ࡜ࡀྍ⬟࡜࡞ࡿࠊண ࣔࢹࣝࡢά⏝࡟ὀຊࡋ࡚࠸ࡿಖ㝤఍♫ࡶከ࠸࡜ࡋ࡚࠸ࡿࠋண
ࣔࢹࣝࡢά⏝࡟ࡼࡾࠊಖ㝤㔠ᨭᡶ࡟㛵㐃ࡍࡿ⭾኱࡞㐣ཤࡢ࠶ࡽࡺࡿࢹ࣮ࢱ࠿ࡽ┦㛵㛵ಀࢆ᥈ࡋฟࡋࠊᙜヱಖ㝤㔠ᨭᡶ஦᱌ࡀ࠶ࡽ࠿ࡌࡵタᐃࡋࡓ㜈್ෆ࡟཰ࡲࡗ࡚࠸ࢀࡤ⮬ືⓗ࡟ಖ㝤㔠ᨭᡶࢆᢎㄆࡋࠊಟ⌮ᕤሙ࡬ಟ⌮ࡢぢ✚౫㢗ࢆ⾜࠺࡜࠸࠺ࣉࣟࢭࢫࢆᵓ⠏ࡍࡿࡇ࡜ࡀ࡛ࡁࡿࠋ
ࠕ࠶ࡽࡺࡿࢹ࣮ࢱࠖ࡟ࡣࠊ౛࠼ࡤࠊࠐࠐಟ⌮ᕤሙࡢぢ✚㔠㢠ࡣᴫࡡጇᙜ࡛࠶ࡿࠊࠐࠐṓ௦ࡢࢻࣛ࢖ࣂ࣮࡟ࡣඃⰋࢻࣛ࢖ࣂ࣮ࡀከ࠸ࠊ‫ۑۑ‬ᆅᇦ࡛Ⓨ⏕ࡋࡓ஦ᨾ࡟ࡣಖ㝤㔠ブḭࡀከ࠸࡜࠸ࡗࡓࢹ࣮ࢱࡶྵࡲࢀࡿࠋಟ⌮ᕤሙ࠿ࡽࡢぢ✚㔠㢠ࡀࣔࢹࣝ࡟ࡼࡾ⟬ฟࡉࢀࡓ㔠㢠௨ෆ࡛࠶ࢀࡤࡑࡢࡲࡲಖ㝤㔠࡜ࡋ࡚ಟ⌮ᕤሙ࡟ᨭᡶࢃࢀࡿࡀࠊ
ぢ✚㔠㢠ࡀࣔࢹࣝ⟬ฟ㔠㢠ࢆ㉸࠼ࡓሙྜࡣࠊಖ㝤㔠ᨭᡶᢸᙜ⪅ࡀᙜヱ஦᱌ࢆ෌ㄪᰝࡍ
ࡿ௙⤌࡛࠶ࡿ࡜࠸࠺ࠋண ࣔࢹࣝࡢά⏝ࡣࠊಖ㝤㔠ㄳồฎ⌮࡟ಀࡿேဨࢆ๐ῶ࡛ࡁࡿ࡜
࡜ࡶ࡟ࠊಖ㝤㔠ブḭࢆ᳨▱ࡍࡿࡇ࡜࡟ࡶᙺ❧ࡗ࡚࠸ࡿ࡜ࡢࡇ࡜࡛࠶ࡿࠋ

㸦2㸧㸧࣐࣮ࣞࢩ࢔
a㸬㸬ᦆᐖಖ㝤ᕷሙ࡟ࡘ࠸࡚
࣐࣮ࣞࢩ࢔ࡢ୺ຊၟရ࡛࠶ࡿ⮬ື㌴ಖ㝤࡜㈈⏘ಖ㝤㸦ᅗ⾲ 8 ཧ↷㸧࡟ࡣ㛗ᖺࢱࣜࣇ

ࡢ㏦㔠࣭ཷྲྀࡀ࡛ࡁࡿࠋPayNow ࢩࢫࢸ࣒࡟ࡣᢞ㈨㖟⾜ࢆྵࡴࢩ࣏࣮ࣥ࢞ࣝࡢ 155 ⾜ࡀཧຍࡋ࡚࠸ࡿࠋ
20 ARB Premium Payment Rules ࡜࿧ࡤࢀࡿ࣮࡛ࣝࣝࠊARB㸦Agents’ Registration Board㸸௦⌮ᗑⓏ㘓
ጤဨ఍㸧࡟Ⓩ㘓ࡉࢀࡓ௦⌮ᗑ࡟㐺⏝ࡉࢀࡿ㸦ࣈ࣮࣮ࣟ࢝ࡣྵࡲ࡞࠸㸧
ࠋ2021 ᖺ 10 ᭶ࡲ࡛࡟ಶேྥࡅಖ㝤࡬ࡢ㐺⏝ࢆ᏶஢ࡉࡏࠊ2022 ᖺ 10 ᭶ࡲ࡛࡟௻ᴗྥࡅಖ㝤࡬ࡢ㐺⏝ࢆ᏶஢ࡉࡏࡿணᐃ࡛࠶ࡿࠋ
21 1981 ᖺ௨㝆࡟⏕ࡲࢀ 2000 ᖺ௨㝆࡟ᡂேࢆ㏄࠼ࡓࠊ㧗࠸ࢹࢪࢱࣝࢫ࢟ࣝࢆᣢࡘ࡜ࡉࢀࡿୡ௦ࢆᣦࡍࠋ
22 2012 ᖺ࡟㆟఍࡛ྍỴࡉࢀ 2013 ᖺ 1 ᭶࡟᪋⾜ࡉࢀࡓࠋ2021 ᖺ 2 ᭶ࡢᨵᐃࡣࠊ2013 ᖺࡢ᪋⾜௨㝆ึࡵ࡚ࡢ኱ᨵᐃ࡛࠶ࡿࠋᨵᐃࡢ኱㒊ศࡣ᪋⾜ࡉࢀࡓࡀࠊ㔠㖹ⓗ࣌ࢼࣝࢸ࢕ࡢᘬୖࡆ࡟ಀࡿつᐃࢆྵࡴ࠸ࡃࡘ࠿
ࡢᨵᐃࡣࠊ2022 ᖺ 2 ᭶ࡲ࡛࡟᪋⾜ணᐃ࡛࠶ࡿࠋ

- 11 ― 11 ―損保総研レポート第135号 2021.6

ᩱ⋡ࡀ㐺⏝ࡉࢀ࡚࠸ࡓࡀࠊ2016 ᖺ௨㝆ࡣẁ㝵ⓗ࡞⮬⏤໬ࡀᐇ᪋ࡉࢀ࡚࠸ࡿ23ࠋࡼࡾලయⓗ࡟ࡣࠊ⮬ື㌴ಖ㝤ࡣࢱࣜࣇᩱ⋡ࡢs10㸣ࠊ㈈⏘ಖ㝤ࡣs30㸣ࡢ⠊ᅖෆ࡛ࠊᦆᐖಖ
㝤఍♫ࡀ⮬⏤࡟౯᱁ࢆタᐃࡍࡿࡇ࡜ࡀ࡛ࡁࡿࠋẁ㝵ⓗ⮬⏤໬ࡣ⌧ᅾࡶ㐍⾜୰࡛࠶ࡿࡀࠊ
➨ 3 ẁ㝵ࡢᐇ᪋ࡣࠊಖ㝤఍♫ࡢつไ࣭┘╩ࢆ⾜࠺࣐࣮ࣞࢩ࢔୰ኸ㖟⾜㸦Bank Negara
Malaysia㸧ࡢ᪂ᆺࢥࣟࢼ࢘࢖ࣝࢫឤᰁ⑕ᣑ኱ࡢᙳ㡪ࢆ⪃៖ࡋࡓỴᐃ࡟ࡼࡾ 2021 ᖺᮎࡲ࡛ᘏᮇࡉࢀࡓࠋࡇࡢỴᐃ࡟ᑐࡋᦆᐖಖ㝤ᴗ⏺࠿ࡽࡣࠊ⌧ᅾࡢ⮬ື㌴ಖ㝤ࡢᩱ⋡Ỉ‽ࡣಖ㝤఍♫࡟࡜ࡗ࡚ᣢ⥆ྍ⬟࡞ࡶࡢ࡛ࡣ࡞࠸ࡓࡵࠊᕷሙࡢ➇தຊࢆ㧗ࡵࡿࡓࡵ࡟ࡶ᏶඲
⮬⏤໬ࡣ⤯ᑐ࡟ᚲせ࡞ᨵ㠉࡛࠶ࡿࡇ࡜ࢆᙉㄪࡍࡿኌࡀᣲࡀࡗ࡚࠸ࡿࠋ
࣐࣮ࣞࢩ࢔࡟ࡣ 2020 ᖺ 11 ᭶᫬Ⅼ࡛ᦆᐖಖ㝤఍♫ࡣ 21 ♫Ꮡᅾࡋࠊ2019 ᖺࡢ཰ධಖ
㝤ᩱ࡛ࡣࠊୖ఩ 5 ♫࡛ 45㸣ࠊୖ఩ 10 ♫࡛ 71㸣ࢆ༨ࡵ࡚࠸ࡿࠋ࣐࣮ࣞࢩ࢔࡟ࡣࡲࡓࠊ
ࢱ࢝ࣇࣝ࡜࿧ࡤࢀࡿ࢖ࢫ࣒ࣛᩍࡢᩍ⩏࡛࠶ࡿࢩࣕࣜ࢔࡟๎ࡗࡓ 18 ࡢඹ῭⤌ྜࡀᏑᅾࡋ
࡚࠾ࡾࠊ2020 ᖺ࡛ࡣ࣐࣮ࣞࢩ࢔ᦆᐖಖ㝤ᕷሙ඲యࡢ 16㸣ࡢࢩ࢙࢔ࢆ༨ࡵ࡚࠸ࡿࠋࢱ࢝
ࣇࣝᕷሙࡣࠊ࣐࣮ࣞࢩ࢔ேཱྀࡢ⣙ 60㸣ࢆ༨ࡵࡿ࢖ࢫ࣒ࣛᩍᚐ࡜ࠊపᡤᚓ⪅࡟ಖ㝤ࢆ㉎ධࡍࡿࡓࡵࡢ㈈ᨻᨭ᥼ࢆᥦ౪ࡍࡿ࣐࣮ࣞࢩ࢔୰ኸ㖟⾜࡟ࡼࡿྲྀ⤌24࡟ᨭ࠼ࡽࢀࠊ௒ᚋࡶ
኱࠸࡟ᡂ㛗ࡀᮇᚅ࡛ࡁࡿ࡜ࡉࢀ࡚࠸ࡿ25ࠋ㈍኎ࢳࣕࢿู࡛ࣝࡣ௦⌮ᗑࡀ 59.0㸣࡜ᅽಽⓗ࡞๭ྜࢆ༨ࡵ࡚࠸ࡿ26ࠋ࣐࣮ࣞࢩ࢔࡛
ࡣࠊ࢖ࣥࢱ࣮ࢿࢵࢺ㈍኎ࡢࡼ࠺࡟┤᥋ಖ㝤఍♫࠿ࡽಖ㝤ࢆ㉎ධࡍࡿ࡜ࠊ௦⌮ᗑ࡞࡝ࡢ௰
௓஦ᴗ⪅࡟ᨭᡶࢃࢀࡿᡭᩘᩱ࡜ྠ➼ࡢ㔠㢠ࡀ㢳ᐈ࡟ᡶ࠸ᡠࡉࢀࡿ࡜࠸࠺ไᗘࡀࠊ௦⌮ᗑࡢ཯ᑐࢆᢲࡋษࡾ 2009 ᖺ࡟ไᐃࡉࢀࡓࡀࠊಖ㝤㈍኎ࡢࡳ࡞ࡽࡎ㐨㊰⛯27࡞࡝ࡢ᭦᪂
ᡭ⥆ࡶ௦⾜ࡋ࡚ࡃࢀࡿ௦⌮ᗑࡢேẼࡀ௒ࡶ㧗࠸࡜ࡉࢀ࡚࠸ࡿࠋ࢖ࣥࢱ࣮ࢿࢵࢺ㈍኎ࡢ
๭ྜࡣ 0.6㸣࡜ప࠸ࡀࠊISJ ཧຍ⪅ࡢࢥ࣓ࣥࢺ࡟ࡼࡿ࡜ࠊ2018 ᖺ࡛ࡣ 0.4㸣ࡔࡗࡓࢩ࢙
࢔ࡀࠊ2020 ᖺ࡟ࡣࣃࣥࢹ࣑ࢵࢡⓎ⏕௨㝆ࡢࢹࢪࢱࣝ໬ࡢᙳ㡪ࢆཷࡅ 0.8㸣࡟ఙࡧࠊ᪩࠸ᡂ㛗ࢆぢࡏ࡚࠸ࡿ࡜ࡢࡇ࡜࡛࠶ࡿࠋ

23⮬ື㌴࣭㈈⏘ಖ㝤௨እࡣཎ๎࡜ࡋ࡚⮬⏤ᩱ⋡࡛࠶ࡿࠋヲ⣽࡟ࡘ࠸࡚ࡣࠊᦆᐖಖ㝤஦ᴗ⥲ྜ◊✲ᡤࠕ࢔ࢪ࢔ㅖᅜ࡟࠾ࡅࡿᦆᐖಖ㝤ᕷሙ࣭ㅖไᗘࡢᴫせ࡟ࡘ࠸࡚㸦ࡑࡢ 2㸧ࠖ㸦2015.3㸧ࢆཧ↷㢪࠺ࠋ
24 Perlindungan Tenang’ Sheme ࡜࿧ࡤࢀࡿࢫ࣮࣒࡛࢟ࠊ㞽⣽௻ᴗ࠾ࡼࡧୡᖏ཰ධࣛࣥࢡࡢୗ఩ 40㸣࡟ᡭ㡭࡞౯᱁ࡢಖ㝤ࢆᥦ౪ࡍࡿࡇ࡜ࢆ┠ⓗ࡜ࡋ࡚࠸ࡿࠋ
25 AM Best, “Best’s Market Segment Report: Malaysia Non-Life Insurers Maintain Underwriting
Discipline Amid Market Challenges”㸦2021.3㸧
26 AXCO, “Non-Life Insurance Market Report: Malaysia”㸦2021.4㸧࡟ࡼࡿ࡜ࠊ2017 ᖺ࡛ࡣ⣙ 3 ୓
9,000 ♫ࡢㄆྍ௦⌮ᗑ࡜ࠊ⣙ 1 ୓ 3,500 ♫ࡢࢱ࢝ࣇࣝࡢ௦⌮ᗑࡀ☜ㄆࡉࢀ࡚࠸ࡿࠋ
27 ㌴୧ࡢ᤼Ẽ㔞࡟ᛂࡌ 1 ᖺ࡟ 1 ᅇᨭᡶࢃ࡞ࡅࢀࡤ࡞ࡽ࡞࠸⛯㔠࡛࠶ࡿࠋ1000cc㸸20 㺶㺻㺕㺼㺍㺢㸦⣙ 482
෇㸧
ࠊ1300cc㸸70 㺶㺻㺕㺼㺍㺢㸦⣙ 1,688 ෇㸧ࠊ1500cc㸸90 㺶㺻㺕㺼㺍㺢㸦⣙ 2,170 ෇㸧ࠊ1800cc㸸280 㺶㺻㺕㺼㺍㺢㸦⣙6,751 ෇㸧
ࠊ2500cc㸸880 㺶㺻㺕㺼㺍㺢㸦⣙ 21,217 ෇㸧࡜ᐃࡵࡽࢀ࡚࠸ࡿࠋ࢝ࢵࢥෆࡢ෇㈌ࡣ 2021 ᖺ 5 ᭶ᮎࡢ
Ⅽ࣮᭰ࣞࢺ࡛࠶ࡿ 1 㺶㺻㺕㺼㺍㺢㸻24.11 ෇࡛᥮⟬ࡋ࡚࠸ࡿࠋ௨ୗྠᵝ࡜ࡍࡿࠋ

損保総研レポート第135号 2021.6- 12 ― 12 ―ᅗ⾲ 8 ࣐࣮ࣞࢩ࢔ࡢ཰ධಖ㝤ᩱࡢ✀┠ู๭ྜ࡜㈍኎ࢳࣕࢿูࣝ๭ྜ
✀┠ู๭ྜ㸦2019 ᖺ㸧㈍኎ࢳࣕࢿูࣝ๭ྜ
ࢳࣕࢿࣝ

2019 ᖺ

ࢲ࢖ࣞࢡࢺ

17.0㸣ಖ㝤ࣈ࣮࣮ࣟ࢝

13.8㸣

௦⌮ᗑ

59.0㸣

࢖ࣥࢱ࣮ࢿࢵࢺ

0.6㸣

ࡑࡢ௚ͤ

9.6㸣

ࡑࡢ௚
12.0%

་⒪
5.8%

⮬ື㌴
48.3%

യᐖ
6.8%
⯪⯧࣭㈌≀࣭
⯟✵㸸7.7%㈈⏘
19.3%

ͤࡑࡢ௚࡟ࡣࣂࣥ࢝ࢩࣗ࢔ࣛࣥࢫ
ࡀྵࡲࢀࡿࠋ

㸦ฟ඾㸸Malaysian Re, “Malaysian Insurance Highlights 2020”㸦2021.2㸧
ࠊISJ ཧຍ⪅ᥦ౪ࡢ࣐࣮ࣞࢩ࢔ಖ㝤ࢧ࣮ࣅࢫ㸦Insurance Services Malaysia㸧ࡢ᝟ሗࢆࡶ࡜࡟సᡂ㸧㸬᪂ᆺࢥࣟࢼ࢘࢖ࣝࢫឤᰁ⑕ᣑ኱ࡢᙳ㡪࡜ᦆᐖಖ㝤ᴗ⏺ࡢᑐᛂb㸬
2021 ᖺ 5 ᭶ 21 ᪥⌧ᅾࠊ࣐࣮ࣞࢩ࢔ࡢ᪂ᆺࢥࣟࢼ࢘࢖ࣝࢫ࡬ࡢឤᰁ⪅ᩘࡣ⣼ィ࡛ 49
୓ 8,795 ேࠊ4 ᭶ 20 ᪥ࡢ 38 ୓ 4,688 ே࠿ࡽ 11 ୓ 4,107 ேࡢቑຍ࡜࡞ࡗ࡚࠸ࡿࠋ5 ᭶
10 ᪥࠿ࡽ࣐࣮ࣞࢩ࢔඲ᅵ࡛෌ᗘࣟࢵࢡࢲ࢘ࣥࡀᐇ᪋ࡉࢀ࡚ࡣ࠸ࡿࡶࡢࡢࠊឤᰁ⪅ᩘࡣᛴቑࡋ࡚࠾ࡾ 5,000 ேࢆ㉸࠼ࡿ᪥ࠎࡀ⥆࠸࡚࠸ࡿࠋ
࣐࣮ࣞࢩ࢔෌ಖ㝤࡟ࡼࡿ࡜ࠊࣃࣥࢹ࣑ࢵࢡࡢᙳ㡪ࢆཷࡅࡓ 2020 ᖺࡢᦆᐖಖ㝤ࡢ⥲཰ධಖ㝤ᩱࡣࠊ2020 ᖺ➨ 2 ᅄ༙ᮇ᫬Ⅼ࡛๓ᖺ࠿ࡽ࠾ࡼࡑ 3.6㸣ῶᑡࡍࡿ࡜ண᝿ࡉࢀ࡚࠸
ࡓࡀࠊࡑࡢᚋᣢࡕ┤ࡋࡓࡓࡵࠊ⤖ᯝⓗ࡟ࡣ࡯ࡰᶓࡤ࠸ࡢᡂ⦼࡜࡞ࡿ࡜ぢ㎸ࡲࢀ࡚࠸ࡿࠋ
ࣃࣥࢹ࣑ࢵࢡⓎ⏕ᚋࡢᑐᛂ࡜ࡋ࡚ࡣࠊ࣐࣮ࣞࢩ࢔୰ኸ㖟⾜ࡀࠊ࣐࣮ࣞࢩ࢔⏕࿨ಖ㝤༠఍㸦Life Insurance Association of Malaysia㸸௨ୗࠕLIAMࠖ㸧࣭࣐࣮ࣞࢩ࢔ᦆᐖಖ㝤༠
఍㸦Persatuan Insurans Am Malaysia㸸௨ୗࠕPIAMࠖ㸧࣭࣐࣮ࣞࢩ࢔ࢱ࢝ࣇࣝ༠఍
㸦Malaysian Takaful Association㸸௨ୗࠕMTAࠖ㸧࡟ᑐࡋྛ༠఍ࡢ఍ဨࡀዎ⣙⪅ࢆಖㆤࡍࡿࡓࡵ࡟ᐇ᪋ࡍ࡭ࡁᩆ῭ᥐ⨨࡟ࡘ࠸࡚♧ࡋࡓ࢞࢖ࢻࣛ࢖ࣥ࡟ᚑ࠸ࠊPCR ᳨ᰝࡢ㈝⏝ࢆ㈇ᢸࡍࡿࡓࡵࡢ 800 ୓㺶㺻㺕㺼㺍㺢㸦⣙ 1 ൨ 9,300 ୓෇㸧ࡢᇶ㔠ࡢタ❧ࡸࠊಖ㝤ዎ⣙⪅ࡢ⤒῭ⓗ㈇ᢸࢆ⦆࿴ࡍࡿࡓࡵ࡟ࠊಖ㝤ᩱࡢᨭᡶᮇ㝈ࡢᘏ㛗࠾ࡼࡧศ๭ᡶࡢᅇᩘࢆቑࡸࡍ
࡞࡝ࡢᥐ⨨ࡀྛ༠఍ࡢ఍ဨ఍♫࡟ࡼࡾㅮࡌࡽࢀࡓࠋࡲࡓࠊࣟࢵࢡࢲ࢘ࣥ୰࡟⮬ື㌴ࡢ㉮⾜ᶵ఍ࡀῶᑡࡋࡓࡇ࡜࡟࡜ࡶ࡞࠸ᦆᐖ⋡ࡀ኱ᖜ࡟ᨵၿࡋࡓࡇ࡜࠿ࡽࠊಖ㝤ᩱࡢ୍㒊ࢆዎ⣙⪅࡟㏉㑏ࡋࡓᦆᐖಖ㝤఍♫ࡶぢࡽࢀࡓࠋ᭱኱ࡢ㈍኎ࢳࣕࢿ࡛ࣝ࠶ࡿ௦⌮ᗑ࡟ᑐࡋ࡚ࡣࠊ㠀ᑐ㠃࡛ࡢಖ㝤㈍኎ࢆྍ⬟࡟ࡍࡿࡓࡵ࡟ࠊᦠᖏ➃ᮎࢆᥦ౪ࡋࠊࡑࡢ౑⏝᪉ἲࡢ◊ಟࡶᐇ᪋ࡋࡓᦆᐖಖ㝤఍♫ࡶከ࠸࡜࠸࠺ࠋ
᭱㏆࡛ࡣࠊ୍⯡ⓗ࡟࣐࣮ࣞࢩ࢔࡛ࡣච㈐࡜ࡉࢀ࡚࠸ࡿ⏕࿨ಖ㝤࣭་⒪ಖ㝤࡟࠾ࡅࡿឤ

- 13 ― 13 ―

損保総研レポート第135号 2021.6

ᰁ⑕ࡢ⿵ൾ࡟ࡘ࠸࡚ࠊ2021 ᖺ 1 ᭶ 25 ᪥ࡢ᪂⪺28࡛ࠕ᪂ᆺࢥࣟࢼ࢘࢖ࣝࢫឤᰁ⑕ࡢ἞⒪㈝⏝ࢆ⿵ൾࡍࡿࡼ࠺࡟Ẹ㛫ಖ㝤఍♫࡟ᅽຊࡀ࠿࠿ࡗ࡚࠸ࡿࠖ࡜ሗࡌࡽࢀࡓࡇ࡜ࢆཷࡅࠊ
LIAM࣭PIAM࣭MTA ࡣඹྠ࡛ࠊឤᰁ⑕࡟ࡼࡿࣃࣥࢹ࣑ࢵࢡࣜࢫࢡࡣ⿵ൾࡢᑐ㇟እ࡛࠶
ࡿࡀࠊಖ೺┬࠾ࡼࡧ࣐࣮ࣞࢩ࢔୰ኸ㖟⾜࡜༠ຊࡋࠊ᪂ᆺࢥࣟࢼ࢘࢖ࣝࢫឤᰁ⑕ᝈ⪅ࡀ⑓㝔࡟ᨭᡶ࠺㈝⏝ࡢ୍㒊ࢆ㈇ᢸ࡛ࡁࡿࡼ࠺࡟ࡍࡿࡓࡵࡢ᪉ἲࢆ᳨ウ୰࡛࠶ࡿ࡜ࡢኌ᫂ࢆ
ⓎฟࡋࡓࠋLIAM࣭PIAM࣭MTA ࡣࡲࡓࠊ࣡ࢡࢳࣥ࡟ࡼࡿ๪స⏝ࡢ἞⒪㈝⏝ࡢ⿵ൾ࡟ࡘ
࠸࡚ࡶ᳨ウ୰࡛࠶ࡿ࡜ࡋ࡚࠸ࡿࠋ
c㸬㸬ࢹࢪࢱࣝ໬࡬ࡢᑐᛂ
࣐࣮ࣞࢩ࢔෌ಖ㝤ࡣ࣏࣮ࣞࢺ29ࡢ୰࡛ࠊ᪂ᆺࢥࣟࢼ࢘࢖ࣝࢫឤᰁ⑕࡟ࡼࡾࡶࡓࡽࡉࢀ
ࡓ᭱኱ࡢࣉࣛࢫࡢᙳ㡪ࡣࠊࢹࢪࢱࣝ໬࡬ࡢᦆᐖಖ㝤఍♫ࡢ⥅⥆ⓗ࡞ᢞ㈨࡛࠶ࡿ࡜ࡋ࡚
࠸ࡿࠋ୍᪉࡛ࠊᛴ⃭࡞ࢹࢪࢱࣝ໬ಁ㐍࡟ࡼࡾቑຍࡍࡿࢧ࢖ࣂ࣮ࣜࢫࢡ࡬ࡢᑐᛂࡸࠊࡍ࡭
࡚ࡢ㢳ᐈࠊ௦⌮ᗑࠊ࠾ࡼࡧᚑᴗဨࡀ᭱ඛ➃ࡢࢹࢪࢱࣝᢏ⾡࡟⢭㏻࡛ࡁࡿࢃࡅ࡛ࡣ࡞࠸ࡓ
ࡵࠊࢹࢪࢱࣝ໬࡟ࡣ┦ᙜࡢ᫬㛫࡜ᢞ㈨ࡀᚲせ࡛࠶ࡿࡇ࡜ࢆㄢ㢟࡜ࡋ࡚ᣲࡆ࡚࠸ࡿࠋ
ࢫ࢖ࢫ෌ಖ㝤ࡣࠊⱝᖺᒙࡀከ࠸ேཱྀᙧែࠊᨻᗓࡢᨻ⟇ᨭ᥼࡞࡝ࢆせᅉ࡜ࡋ࡚ࢹࢪࢱࣝ
⤒῭ࡀᛴᡂ㛗ࡋ࡚࠸ࡿ࢔ࢪ࢔࡛ࡣࠊࣃࣥࢹ࣑ࢵࢡࡢⓎ⏕࡟ࡼࡾಖ㝤࡟㛵ࡋ࡚ࡢព㆑ࡀ
㧗ࡲࡾ࢜ࣥࣛ࢖࡛ࣥࡢಖ㝤㉎ධ࡟ᑐࡍࡿᾘ㈝⪅⾜ືࡀኚ໬ࡋ࡚࠸ࡿ࡜ࡋ࡚ࠊ2020 ᖺ 6᭶࡟ࠊ࣐࣮ࣞࢩ࢔࡜࢖ࣥࢻࢿࢩ࢔ࡢ 1,200 ேࢆᑐ㇟࡟ࠊࢹࢪࢱࣝࣉࣛࢵࢺࣇ࢛࣮࣒ࡸ࢜
ࣥࣛ࢖࡛ࣥࡢಖ㝤㉎ධ࡟㛵ࡍࡿᾘ㈝⪅ព㆑ㄪᰝ30ࢆᐇ᪋ࡋࡓࠋྠㄪᰝ࡟࠾࠸࡚ࠊ࣐࣮ࣞ
ࢩ࢔࡛ࡣ౯᱁ẚ㍑ࢧ࢖ࢺࡣேẼࡀ࡞ࡃࠊ࢜ࣥࣛ࢖࡛ࣥಖ㝤ࢆ㉎ධࡍࡿ㝿࡟ࡣࠊࠕಙ㢗࡛ࡁࡿࠖ࡜࠸࠺⌮⏤࡛ᦆᐖಖ㝤఍♫ࡸ㖟⾜ࡢ࢙࢘ࣈࢧ࢖ࢺࢆ㏻ࡌ࡚㉎ධࡍࡿ࡜ࡋࡓேࡢ
๭ྜࡀᅽಽⓗ࡟㧗࠿ࡗࡓࠋࡲࡓࠊ࢜ࣥࣛ࢖࡛ࣥ㉎ධࡋࡓ࠸࡜ࡍࡿಖ㝤ࡣ་⒪ಖ㝤࡜ᡤᚓ⿵ൾಖ㝤࡛࠶ࡾࠊ67㸣ࡢேࡀಖ㝤ࡢ㉎ධ࡟࢜ࣥࣛ࢖ࣥࢆࡶࡗ࡜ά⏝ࡋࡓ࠸࡜⪃࠼࡚࠸ࡿࡇ࡜ࡶุ᫂ࡋࡓࠋ
ࢫ࢖ࢫ෌ಖ㝤ࡣࠊࡇࡢࡼ࠺࡞࢜ࣥࣛ࢖ࣥࡲࡓࡣ࢔ࣉࣜࢆά⏝ࡋࡓಖ㝤㈍኎ࢆಁ㐍ࡍࡿࡓࡵ࡟ࡣࠊᨻᗓࡢᯟ⤌࡟ࡼࡿ✚ᴟⓗ࡞ᨭ᥼ࡀ㔜せ࡛࠶ࡿ࡜ࡋ࡚࠸ࡿࠋ࣐࣮ࣞࢩ࢔ᨻᗓ
࡟ࡼࡿࡑ࠺ࡋࡓᯟ⤌࡜ࡋ࡚ࡣࠊIoT ࢆά⏝ࡋࡓ⏘ᴗ໬ࢆ⤒῭ᡂ㛗ࡢ᪂ࡓ࡞㈨※࡜ࡋࠊ࣐࣮ࣞࢩ࢔ࢆ࢔ࢪ࢔ࡢ IoT 㛤Ⓨࡢࣁࣈ࡜ࡍࡿࡇ࡜ࢆ┠ⓗ࡜ࡋࡓ National Iot Strategic
Roadmap㸦2015 ᖺ㸧ࡸࠊࢫࢱ࣮ࢺ࢔ࢵࣉ௻ᴗࡸ㉳ᴗᐙࢆᨭ᥼ࡍࡿ Digital Free Trade
Zone㸦2017 ᖺ㸧࡞࡝ࡀ⤂௓ࡉࢀ࡚࠸ࡿࠋISJ ཧຍ⪅ࡢࢥ࣓ࣥࢺࢆ⤂௓ࡍࡿ࡜ࠊ࣐࣮ࣞࢩ࢔ࡢᦆᐖಖ㝤఍♫ࡀ᭱ࡶὀຊࡋ࡚࠸ࡿ
ࢹࢪࢱࣝ໬࡬ࡢᑐᛂࡣ࢜ࣥࣛ࢖ࣥ࡟ࡼࡿಖ㝤㈍኎࡜ࡢࡇ࡜࡛࠶ࡗࡓࠋࣃࣥࢹ࣑ࢵࢡ࡟

The Edge Malaysia Weekly, “Growing pressure on insurers to cover Covid-19 treatment at private
hospital”㸦2021.1㸧
29 Malaysian Re, “Malaysian Insurance Highlights 2020”㸦2021.2㸧
30 Swiss Re Institute, “Going digital: Insights to optimize consumer appetite for online insurance inIndonesia and Malaysia”㸦2020.11㸧
28

損保総研レポート第135号 2021.6- 14 ― 14 ―ࡼࡾ㟂せࡀᛴ㏿࡟ቑຍࡋࡓ࢜ࣥࣛ࢖࡛ࣥࡢಖ㝤㈍኎ࡣࠊࡑࡢ࡯࡜ࢇ࡝ࡀ⮬ື㌴ಖ㝤࡛࠶ࡗࡓࡀࠊ᭱㏆࡛ࡣ་⒪ಖ㝤ࡸയᐖಖ㝤ࢆ㈍኎ࡍࡿᦆᐖಖ㝤఍♫ࡶቑ࠼࡚ࡁࡓ࡜ࡋ࡚
࠸ࡿࠋಖ㝤ၟရࢆ࢜ࣥࣛ࢖࡛ࣥẚ㍑ࡋ㉎ධࡍࡿࡇ࡜ࢆᮃࡴ㢳ᐈࢽ࣮ࢬࡀ㧗ࡲࡿ୰ࠊᦆᐖ
ಖ㝤఍♫ࡣ࢜ࣥࣛ࢖ࣥ㈍኎⏝ࡢ᪂ၟရࡢ㛤Ⓨࡸࠊ௦⌮ᗑࡀ࢜ࣥࣛ࢖࡛ࣥ㢳ᐈ࡜Ⰻ࠸㛵ಀᛶࢆಖࡕ㧗࠸➇தຊࢆ⥔ᣢ࡛ࡁࡿࡼ࠺࡟ࢹࢪࢱࣝࢶ࣮ࣝࢆᥦ౪ࡍࡿࡇ࡜࡞࡝࡟ὀຊ
ࡋ࡚࠾ࡾࠊࡑࡢࡓࡵከࡃࡢಖ㝤఍♫ࡣࠊࢹࢪࢱࣝࢯ࣮ࣜࣗࢩࣙࣥࡸࣉࣛࢵࢺࣇ࢛࣮࣒ࢆ
ᥦ౪ࡍࡿࣉࣟࣂ࢖ࢲ࣮ࡸ࢖ࣥࢩࣗ࢔ࢸࢵࢡ௻ᴗ࡜ᥦᦠࡋࠊࢹࢪࢱࣝ໬࡬ࡢᑐᛂࢆ᥎㐍ࡋ࡚࠸ࡿ࡜ࡢࡇ࡜࡛࠶ࡿࠋ
࢜ࣥࣛ࢖ࣥ㈍኎ࡣࠊᦆᐖಖ㝤఍♫࡟ࡼࡿ㢳ᐈ࡜ࡢ┤᥋ྲྀᘬࢆព࿡ࡍࡿࡓࡵࠊከࡃࡢ௦
⌮ᗑࡣ⮬㌟ࡢࣅࢪࢿࢫ࡬ࡢᙳ㡪ࢆᠱᛕࡋ࡚࠸ࡓࡀࠊ୍᪉࡛ࢹࢪࢱࣝ໬ࢆ௒ᚋࡶ⥆ࡃᚲ↛ⓗ࡞ഴྥ࡜ࡋ࡚ཷࡅධࢀࠊ௦⌮ᗑ࡜ࡋ࡚࡛ࡁࡿ౯್ᥦ᱌ࢆᙉ໬ࡋࠊᑓ㛛ᛶࢆ㧗ࡵࠊ㢳ᐈࡀồࡵࡿಖ㝤࡟㛵ࡍࡿ࢔ࢻࣂ࢖ࢫࢆᥦ౪ࡍࡿࡇ࡜࡛ࠊ௰௓⪅ࢆ㏻ࡋ࡚ಖ㝤ࢆ㉎ධࡍࡿࡇ࡜ࢆዲࡴ㢳ᐈᒙࡢࢽ࣮ࢬ࡟ᛂ࠼ࡼ࠺࡜ࡋ࡚࠸ࡿ࡜ࡢࡇ࡜࡛࠶ࡗࡓࠋ

㸦3㸧㸧࢖ࣥࢻࢿࢩ࢔
a㸬㸬ᦆᐖಖ㝤ᕷሙ࡟ࡘ࠸࡚
AM Best ࡣ 2020 ᖺ 10 ᭶ࡢ࣏࣮ࣞࢺ31ࡢ୰࡛ࠊ࢖ࣥࢻࢿࢩ࢔ࡢᦆᐖಖ㝤ᕷሙࡣ✀┠ู๭ྜࡀከᵝ໬ࡉࢀ࡚࠾ࡾࠊ๭ྜࡢ኱ࡁ࡞㈈⏘ಖ㝤࠾ࡼࡧ⮬ື㌴ಖ㝤ࡀࢱࣜࣇᩱ⋡32࡟ࡼࡾ㐣ᗘ࡞➇த࠿ࡽಖㆤࡉࢀ࡚࠸ࡿࡓࡵࠊ௒ᚋࡶᏳᐃࡋࡓ཰┈ぢ㏻ࡋࡀᮇᚅ࡛ࡁࡿ࡜
ࡋ࡚࠸ࡿࠋࡋ࠿ࡋࠊᦆᐖಖ㝤ᕷሙ඲యࡢᡂ㛗ࢆ≌ᘬࡋ࡚࠸ࡓಙ⏝ಖ㝤࡟࠾࠸࡚ಖ㝤㔠ㄳồ㢠ࡶྠᵝ࡟ቑຍࡋ33ࠊ཰ධಖ㝤ᩱࡀ๓ᖺྠ᫬ᮇࡼࡾ 6.1㸣ࡶῶᑡࡋࡓ 2020 ᖺ 6 ᭶᫬
Ⅼ࡟࠾࠸࡚ࡶಖ㝤㔠ㄳồ㢠ࡀቑຍࡋ⥆ࡅ࡚࠸ࡿࡓࡵ㸦ྠ᫬Ⅼ࡛ࡢᑐ๓ᖺẚ 16.3㸣ቑ㸧ࠊಖ㝤఍♫ࡢつไ࣭┘╩ࢆ⾜࠺㔠⼥ࢧ࣮ࣅࢫᗇ㸦Otoritas Jasa Keuangan㸸௨ୗࠕOJKࠖ㸧࠾ࡼࡧᦆᐖಖ㝤఍♫ࡢᠱᛕ஦㡯࡟࡞ࡗ࡚࠸ࡿ࡜ࡉࢀ࡚࠸ࡿࠋ
࢖ࣥࢻࢿࢩ࢔࡟ࡣ 2021 ᖺ 2 ᭶᫬Ⅼ࡛ᦆᐖಖ㝤఍♫ࡣ 73 ♫Ꮡᅾࡋࠊ2019 ᖺࡢ཰ධಖ
㝤ᩱ࡛ࡣࠊୖ఩ 5 ♫࡛ 34.75㸣ࠊୖ఩ 10 ♫࡛ 53.82㸣ࢆ༨ࡵ࡚࠸ࡿ㸦73 ♫ࡢ࠺ࡕ 47 ♫ࡢࢩ࢙࢔ࡣ 1%ᮍ‶࡛࠶ࡿ㸧ࠋ࢖ࣥࢻࢿࢩ࢔࡟ࡶ࣐࣮ࣞࢩ࢔࡜ྠᵝ࡟ࢱ࢝ࣇࣝᕷሙࡀ࠶ࡾࠊ2018 ᖺ 8 ᭶᫬Ⅼ࡛࢖ࢫ࣒ࣛᩍࡢࢩࣕࣜ࢔ᩍ⩏࡟๎ࡗࡓ㸦෌㸧ಖ㝤఍♫ࡣ 13 ♫Ꮡᅾࡍࡿࡀࠊࢱ࢝ࣇࣝၟရࡢከ
ࡃࡣ୍⯡ࡢ⏕࿨ಖ㝤఍♫㸦23 ♫㸧ࠊᦆᐖಖ㝤఍♫㸦25 ♫㸧࠾ࡼࡧ෌ಖ㝤఍♫㸦2 ♫㸧ෆࡢࠕ❆ཱྀࠖ࡟࠾࠸࡚㈍኎ࡉࢀ࡚࠸ࡿࠋ2014 ᖺ࡟ไᐃࡉࢀࡓ᪂ಖ㝤ἲ34ࡣࠊࡇࢀࡽࡢࢱ࢝
AM Best, “Best’s Market Segment Report: Market Segment Outlook: Indonesia Non-Life
Insurance”㸦2020.10㸧
32 ࢖ࣥࢻࢿࢩ࢔࡛ࡣࠊᆅ㟈ಖ㝤ࡣ 2003 ᖺ࠿ࡽࠊࡲࡓ㈈⏘ಖ㝤࡜⮬ື㌴ಖ㝤ࡣ 2014 ᖺ࠿ࡽࠊࢱࣜࣇᩱ⋡ࡀ㐺⏝ࡉࢀ࡚࠸ࡿࠋࡑࡢ௚ࡢ✀┠ࡣᇶᮏⓗ࡟⮬⏤ᩱ⋡࡛࠶ࡿࠋヲ⣽ࡣᦆᐖಖ㝤஦ᴗ⥲ྜ◊✲ᡤࠕ࢔ࢪ࢔ㅖ
ᅜ࡟࠾ࡅࡿᦆᐖಖ㝤ᕷሙ࣭ㅖไᗘࡢᴫせ࡟ࡘ࠸࡚㸦ࡑࡢ 2㸧
ࠖ㸦2013.3㸧ࢆཧ↷㢪࠺ࠋ
33 2019 ᖺࡢ཰ධಖ㝤ᩱࡣ 2018 ᖺ࠿ࡽ 86.2㸣ࡢቑຍࠊಖ㝤㔠ㄳồ㢠ࡣ 88.9㸣ቑຍࡋ࡚࠸ࡿࠋ
34 1992 ᖺ࡟᪋⾜ࡉࢀࡓಖ㝤ᴗࢆつไࡍࡿಖ㝤ἲ࡟௦ࢃࡿࡶࡢ࡛࠶ࡿࠋ
31- 15 ― 15 ―

損保総研レポート第135号 2021.6

ࣇࣝၟရࢆ⮬♫ࡢࠕ❆ཱྀ࡛ࠖᢅ࠺ಖ㝤఍♫࡟ᑐࡋࠊ2024 ᖺࡲ࡛࡟ࢱ࢝ࣇࣝࣅࢪࢿࢫࢆ
㏻ᖖࣅࢪࢿࢫ࠿ࡽศ㞳ࡉࡏࡿࡇ࡜ࢆồࡵ࡚࠾ࡾࠊࡇࡢᮇ㝈࡟㛫࡟ྜࢃ࡞࠿ࡗࡓሙྜࡣࠊ
ࢱ࢝ࣇࣝၟရࢆ㈍኎ࡍࡿචチࢆྲྀࡾᾘࡍ࡜ࡋ࡚࠸ࡿ35ࠋOJK ࡣศ㞳࡟㛵ࡍࡿ࣮࣡ࢡࢩ
ࣙࢵࣉ࡞࡝ࡶ㛤ദࡋ࡚࠸ࡿࡀࠊࡲࡔ‽ഛࡀᩚࡗ࡚࠸࡞࠸఍♫ࡀከ࠸࡜᥎ ࡉࢀ࡚࠸ࡿࠋ
ࢱ࢝ࣇࣝᕷሙࡢࢩ࢙࢔ࡣ 2020 ᖺ 11 ᭶᫬Ⅼ࡛࢖ࣥࢻࢿࢩ࢔ಖ㝤ᕷሙ඲యࡢ 7㸣࡜ࡈࡃ୍㒊࡛࠶ࡿࡀࠊேཱྀࡢ 85㸣ࡀ࢖ࢫ࣒ࣛᩍᚐ࡜࠸࠺ྠᅜ࡛ࡣࠊࢱ࢝ࣇࣝᕷሙࡢ⥔ᣢࡣ୙ྍḞ࡛࠶ࡿ࡜ࡉࢀ࡚࠸ࡿࡓࡵ36ࠊࡇࢀࡽࡢࢱ࢝ࣇࣝၟရ⏝ࡢ❆ཱྀࢆᢅ࠺ಖ㝤఍♫࡟ࡣࠊ᪤Ꮡࡢࢩࣕࣜ࢔ᩍ⩏࡟๎ࡗࡓಖ㝤఍♫࡟⤫ྜࡉࢀࡿ࠿ࠊࡲࡓࡣ᪂ࡋࡃ఍♫ࢆタ❧ࡍࡿ࠿࡜࠸࠺Ỵᐃࢆྵࡴ஦ᴗィ⏬࣭ᡓ␎ࡢ᪩ᛴ࡞⟇ᐃࡀồࡵࡽࢀ࡚࠸ࡿࠋOJK ࡣࡲࡓࠊ௦⌮ᗑࡀ」ᩘࡢಖ㝤఍♫࡜ጤクዎ⣙ࢆ⤖ࡪࡇ࡜ࢆ⚗Ṇࡋ࡚࠸ࡿࠋ2020ᖺ 12 ᭶࡟ࠊ࢖ࣥࢻࢿࢩ࢔ᦆᐖಖ㝤௦⌮ᗑ༠఍㸦General Insurance Expert Agents
Association㸧ࡀࣟࣅ࣮άືࢆ⾜࠸ࠊ」ᩘࡢಖ㝤఍♫࡜ጤクዎ⣙ࢆ⤖࡭ࡿࡼ࠺ᙜヱつไࡢᨵᐃࢆồࡵࡓ࡜ࡍࡿሗ㐨ࡀぢࡽࢀࡓࡀࠊ࢖ࣥࢻࢿࢩ࢔ᦆᐖಖ㝤༠఍㸦 General
Insurance Association of Indonesia㸻Assosiasi Asuransi Umum Indonesia㸸௨ୗࠕAAUIࠖ㸧ࡀྠᖺྠ᭶࡟࣮ࣜࣜࢫࡋࡓᦆᐖಖ㝤௦⌮ᗑྥࡅࡢᶆ‽೔⌮つᐃ࡛ࡣࠊ௦⌮ᗑࡀ」ᩘࡢಖ㝤఍♫࡜ጤクዎ⣙ࢆ⤖ࡪࡇ࡜ࢆ⚗ࡌ࡚࠸ࡿࠋ
ᅗ⾲ 9 ࢖ࣥࢻࢿࢩ࢔ࡢ཰ධಖ㝤ᩱࡢ✀┠ู๭ྜ࡜㈍኎ࢳࣕࢿูࣝ๭ྜ
✀┠ู๭ྜ㸦2019 ᖺ㸧㈍኎ࢳࣕࢿูࣝ๭ྜ
ࢳࣕࢿࣝ

ᶵᲔ
3.6%

ࡑࡢ௚
14.2%

ࢲ࢖ࣞࢡࢺ
㈈⏘
26.2%

⯪⯧࣭
㈌≀
6.5%
യᐖ࣭
་⒪
7.7%

ಙ⏝
18.4%

⮬ື㌴
23.5%

㸦ࢸ࣐࣮ࣞࢣࢸ࢕ࣥ
ࢢࢆ㝖ࡃ㸧

2019 ᖺ
19.4㸣

ಖ㝤ࣈ࣮࣮ࣟ࢝

11.0㸣

௦⌮ᗑ

32.8㸣

ࣂࣥ࢝
ࢩࣗ࢔ࣛࣥࢫ

23.8㸣

ࢸ࣐࣮ࣞࢣࢸ࢕ࣥࢢ

6.2㸣

ࡑࡢ௚

6.5㸣

㸦ฟ඾㸸AM Best, “Best’s Market Segment Report: Market Segment Outlook: Indonesia NonLife Insurance”㸦2020.10㸧
ࠊAXCO, “Non-Life Insurance Market Report:Indonesia”
㸦2021.4㸧ࢆࡶ࡜࡟సᡂ 㸧

Milliman, “Indonesia: Companies to reassess the impact of spinning-off Syariah windows following
recent regulatory updates”㸦2020.6㸧
36 Oxford Business Group, “The Report: Indonesia 2020: How is Indonesia increasing insurance
coverage?”㸦2020.6㸧
35

損保総研レポート第135号 2021.6- 16 ― 16 ―㸬᪂ᆺࢥࣟࢼ࢘࢖ࣝࢫឤᰁ⑕ᣑ኱ࡢᙳ㡪࡜ᦆᐖಖ㝤ᴗ⏺ࡢᑐᛂb㸬
2021 ᖺ 5 ᭶ 21 ᪥⌧ᅾࠊ࢖ࣥࢻࢿࢩ࢔ࡢ᪂ᆺࢥࣟࢼ࢘࢖ࣝࢫ࡬ࡢឤᰁ⪅ᩘࡣ⣼ィ࡛
176 ୓ 4,644 ேࠊ4 ᭶ 20 ᪥ࡢ 161 ୓ 4,849 ே࠿ࡽ 14 ୓ 9,795 ேࡢቑຍ࡜࡞ࡗ࡚࠸ࡿࠋ
᪥ࠎࡢ᪂つឤᰁ⪅ᩘࡶ 5,000 ேࢆ㉸࠼ࡿࡇ࡜ࡀከࡃࠊ࣡ࢡࢳࣥ᥋✀ࡣ㛤ጞࡉࢀࡓࡶࡢ
ࡢࠊ⌧ᅾࡢ࡜ࡇࢁῶᑡഴྥ࡟ࡣ⮳ࡗ࡚࠸࡞࠸ࠋ
๓グ a.࡛ㄝ᫂ࡋࡓ࡜࠾ࡾࠊ࢖ࣥࢻࢿࢩ࢔ࡢᦆᐖಖ㝤ᕷሙࡢ✀┠ู๭ྜࡣࣂࣛࣥࢫࡼ
ࡃከᵝ໬ࡉࢀ࡚࠾ࡾࠊࡑࢀ࡟ࡼࡾ᪂ᆺࢥࣟࢼ࢘࢖ࣝࢫឤᰁ⑕ࡢᙳ㡪ࡶ᭱ᑠ㝈࡟ᢚ࠼ࡿࡇ࡜ࡶྍ⬟࡛࠶ࡿ࡜ࡉࢀ࡚࠸ࡿࡀࠊAAUI ࡀ 2020 ᖺ 6 ᭶࡟ᐇ᪋ࡋࡓࢫࢺࣞࢫࢸࢫࢺ࡟
ࡼࡿ࡜ࠊ᭱ᝏࡢሙྜ࡛ࡣ 2020 ᖺࡢ⥲཰ධಖ㝤ᩱࡣ 15㸣࠿ࡽ 25㸣ࡢῶ཰࡟࡞ࡿ࡜ぢ㎸ࡲࢀ࡚࠸ࡿࠋ
࢖ࣥࢻࢿࢩ࢔࡛ᐇ᪋ࡉࢀࡓ᭱ࡶ㔜せ࡞᪂ᆺࢥࣟࢼ࢘࢖ࣝࢫឤᰁ⑕ᣑ኱࡬ࡢᑐᛂ࡜ࡋ
࡚ࡣࠊ2020 ᖺ 3 ᭶ 31 ᪥࡟Ⓨฟࡉࢀࠊࡓࡔࡕ࡟᪋⾜ࡉࢀࡓࠊ࢖ࣥࢻࢿࢩ࢔ᨻᗓ࡟ࡼࡿ
ᅜᐙ㈈ᨻ࡜㔠⼥ࢩࢫࢸ࣒ࡢᏳᐃᛶ࡟㛵ࡍࡿつไ37ࡀᣲࡆࡽࢀࡿࠋࡇࡢつไ࡟ࡼࡾ OJKࢆྵࡴᨻᗓᶵ㛵ࡸつไᙜᒁࡣࠊ᪂ᆺࢥࣟࢼ࢘࢖ࣝࢫឤᰁ⑕ࡢᙳ㡪ࢆ⦆࿴ࡍࡿࡓࡵࡢ
ᵝࠎ࡞つไࢆⓎ⾜ࡍࡿᶒ㝈ࢆ୚࠼ࡽࢀࡓࠋ౛࠼ࡤ OJK ࡣࠊ࢖ࣥࢻࢿࢩ࢔ࡢ㔠⼥ᶵ㛵࡟ᑐࡋࠊᚲせ࡟ᛂࡌྜే࣭⤫ྜ࣭㈙཰ࣉࣟࢭࢫࡢ㛤ጞࢆ࿨ࡌࡿᶒ㝈࡞࡝ࢆ୚࠼ࡽࢀࡓࠋࡇ
ࢀ࡟㛵㐃ࡋ࡚࠿ࠊ2020 ᖺ 11 ᭶࡟ AAUI ࡣࠊᴗ⦼ᨵၿࡢࡓࡵࡢ⤫ྜࡢᚲせᛶࡸࠊᡂ⦼
୙᣺ࡀ⥆ࡃ஦ᴗࡢ๐ῶ࡟ࡼࡿ஦ᴗ࣏࣮ࢺࣇ࢛ࣜ࢜ࡢぢ┤ࡋࡢᚲせᛶࢆࠊ఍ဨ఍♫࡟ྥ
ࡅ࡚Ⓨಙࡋ࡚࠸ࡿࠋ
c㸬㸬ࢹࢪࢱࣝ໬࡬ࡢᑐᛂ
ࢫ࢖ࢫ෌ಖ㝤ࡢㄪᰝ38࡟ࡼࡿ࡜ࠊ࢖ࣥࢻࢿࢩ࢔࡛ࡣ࣐࣮ࣞࢩ࢔࡜ྠᵝ࡟౯᱁ẚ㍑ࢧ࢖
ࢺࡣேẼࡀ࡞ࡃࠊ࢜ࣥࣛ࢖࡛ࣥಖ㝤ࢆ㉎ධࡍࡿ㝿࡟ࡣࠊ࣐࣮ࣞࢩ࢔࡛ࡣ㖟⾜ࡸᦆᐖಖ㝤఍♫ࡢ࢙࢘ࣈࢧ࢖ࢺࡀዲࡲࢀࡓࡢ࡟ᑐࡋࠊ࢖ࣥࢻࢿࢩ࢔࡛ࡣࢫ࣐࣮ࢺࣇ࢛ࣥ⏝ࡢ࢔ࣉࣜ࡞࡝ࡢ฼⏝ࡀᨭᣢࡉࢀ࡚࠸ࡿࡇ࡜ࢆ♧ࡋࡓࠋࡲࡓࠊ࢖ࣥࢻࢿࢩ࢔ࡣ࣐࣮ࣞࢩ࢔ࡢࡼ࠺
࡟⏕࿨࠾ࡼࡧ་⒪ಖ㝤࡬ࡢຍධ⋡ࡣ㧗ࡃ࡞࠸ࡀࠊ᪂ᆺࢥࣟࢼ࢘࢖ࣝࢫឤᰁ⑕ࡢᙳ㡪࡛೺ᗣ࡟ᑐࡍࡿព㆑ࡀྥୖࡋࡓࡇ࡜ࢆ཯ᫎࡋ࡚࠿ࠊᑗ᮶࢜ࣥࣛ࢖࡛ࣥ㉎ධࡋࡓ࠸࡜ࡍࡿ
ಖ㝤ၟရࡣࠊ࿧྾ჾ⑌ᝈಖ㝤࠾ࡼࡧࡀࢇ἞⒪㈝⏝ಖ㝤࡛࠶ࡗࡓࠋ࢖ࣥࢻࢿࢩ࢔࣭࣐࣮ࣞ
ࢩ࢔࡜ࡶ࡟ࠊ་⒪㈝ࡀ㑏ඖࡉࢀࡿಖ㝤ၟရࡀዲࡲࢀ࡚࠸ࡿࡇ࡜ࡀศ࠿ࡾࠊࢫ࢖ࢫ෌ಖ㝤ࡣࠊࡑ࠺ࡋࡓ㔜኱⑌⑓ಖ㝤࣭་⒪ಖ㝤ࡣࠊ࢜ࣥࣛ࢖࡛ࣥࡢ㉎ධ࡟㐺ࡋ࡚࠸ࡿ࡜ࡋ࡚࠸ࡿࠋ
ྠㄪᰝ࡟࠾࠸࡚࢖ࣥࢻࢿࢩ࢔ࡣࠊ඲ேཱྀ࡟࠾ࡅࡿࣔࣂ࢖ࣝ᥋⥆⋡㸦mobile connection㸧ࡀ ASEAN ㅖᅜࡢ୰࡛ 1 ఩࡜࡞ࡗ࡚࠸ࡿࠋ㧗࠸ࣔࣂ࢖ࣝ᥋⥆⋡ࢆಖ㝤ເ㞟࡟཯࡛ᫎࡁ
ࢀࡤಖ㝤ᾐ㏱⋡ࡶୖ᪼ࡍࡿࡣࡎ࡛࠶ࡿࡀࠊ๓ᥖᅗ⾲ 6 ࡟♧ࡍ࡜࠾ࡾ࢖ࣥࢻࢿࢩ࢔ࡢಖ
State Finances and Financial System Stability for the Handling of the COVID-19 Pandemic and /orfor Handling Threats Potentially Harmful to the National economy and /or Financial System Stability(Perppu 1/2020)ࢆᣦࡍࠋHerbert Smith Freehills ࡢ࢙࢘ࣈࢧ࢖ࢺ࡟ࡼࡿࠋ
38 ๓グ㸦2㸧c.ࢆཧ↷㢪࠺ࠋ
37- 17 ― 17 ―

損保総研レポート第135号 2021.6

㝤ᾐ㏱⋡ࡣపࡃࠊ≉࡟ᦆᐖಖ㝤ࡢᾐ㏱⋡ࡣ 0.58㸣࡜㠀ᖖ࡟ప࠸ࠋࡲࡓࠊ࢖ࣥࢻࢿࢩ࢔
඲ேཱྀ 2 ൨ 7,000 ୓ேࡢ 24㸣ࢆ༨ࡵࡿࠊಖ㝤ၟရ࡟ࡘ࠸࡚ࡶࡼࡃ⌮ゎࡋ࡚࠸ࡿ࡜ࡉࢀ
࡚࠸ࡿ࣑ࣞࢽ࢔࣒ୡ௦࡟࠾࠸࡚࡛ࡍࡽࠊఱ࠿ࡋࡽࡢಖ㝤࡟ຍධࡋ࡚࠸ࡿ࡜ࡉࢀࡿ๭ྜ
ࡣࢃࡎ࠿ 6㸣࡟㐣ࡂ࡞࠸39ࠋࡇࡢಖ㝤ᾐ㏱⋡ࡢపࡉࠊ࠾ࡼࡧಖ㝤࡟ࡼࡿಖㆤ᱁ᕪࢆᨵၿࡍࡿࡓࡵ࡟ࠊ࢖ࣥࢻࢿࢩ࢔
࡛㠉᪂ⓗ࡞࢜ࣥࢹ࣐ࣥࢻಖ㝤ၟရࢆ㈍኎ࡍࡿ࢖ࣥࢩࣗ࢔ࢸࢵࢡ௻ᴗ࡛࠶ࡿ PasarPolis
ࡣࠊ2021 ᖺ 2 ᭶࡟ᅜ㝿㔠⼥බ♫㸦International Finance Corporation㸧࠿ࡽ 500 ୓㺢㺼㺷ࡢ㈨㔠ᥦ౪ࢆཷࡅࡓࡇ࡜ࢆබ⾲ࡋࡓࠋྠ♫ࡣࡇࡢ㈨㔠ᥦ౪࡟ࡼࡾࠊᚑ᮶ࡢಖ㝤࡛ࡣ⿵ൾࢆཷࡅࡿࡇ࡜ࡀ࡛ࡁ࡞࠿ࡗࡓ࢖ࣥࢻࢿࢩ࢔ᅜෆࡢ᭱ࡶ⬤ᙅࡔ࡜ࡉࢀࡿேࠎ࡟ᑐࡋࠊ
ᡭ㡭࡞౯᱁ࡢ࣐࢖ࢡࣟಖ㝤ࢆᥦ౪ࡍࡿࢹࢪࢱࣝࣉࣛࢵࢺࣇ࢛࣮࣒ࡢ㛤Ⓨࡀྍ⬟࡟࡞ࡿ࡜ࡋ࡚࠸ࡿࠋ࡞࠾ࠊࢹࢪࢱࣝ໬ࢆᨭ᥼ࡍࡿᨻᗓࡢ㔜せ࡞ᯟ⤌࡜ࡋ࡚ࡣࠊ2018 ᖺ࡟❧ࡕୖࡆࡽࢀࡓ࢖ࣥࢻࢿࢩ࢔∧ࡢ࢖ࣥࢲࢫࢺ࣮ࣜ4.0 ࣮ࣟࢻ࣐ࢵࣉ40ࠊ࠾ࡼࡧ⛯ไୖࡢඃ㐝ᥐ⨨ࡸᾘ㈝⪅ಖㆤࡢᨵၿࢆ㏻ࡌ e ࢥ࣐࣮ࢫࡢᡂ㛗࣭ಁ㐍ࢆຍ㏿ࡉࡏࡿࡇ࡜ࢆ┠ⓗ࡜ࡋࡓ e ࢥ࣐࣮ࢫ࣮ࣟࢻ࣐ࢵࣉ࡞࡝ࡀ࠶ࡿࠋISJ ཧຍ⪅ࡢࢥ࣓ࣥࢺࢆ⤂௓ࡍࡿ࡜ࠊ࢖ࣥࢻࢿࢩ࢔࡛ࡣࠊಖ㝤ຍධ࣭ಖ㝤㔠ㄳồࢆࢫ࣐࣮ࢺࣇ࢛ࣥୖ࡛⾜࠼ࡿ࢔ࣉࣜࡢ㛤Ⓨࡸࠊࣇ࢕ࣥࢸࢵࢡ௻ᴗ࡜ᥦᦠࡋࡓ㈍኎ࢳࣕࢿࣝ
ࡢከᵝ໬࡞࡝ࠊᵝࠎ࡞ࢹࢪࢱࣝ໬ࡀ㐍ࡵࡽࢀ࡚࠸ࡿࡀࠊ1 ୓ 7,000 ௨ୖࡢᓥࠎ࠿ࡽ࡞ࡿ
ᆅ⌮ⓗせᅉࢆ⫼ᬒ࡟ࢸ࣐࣮ࣞࢣࢸ࢕ࣥࢢࡶᮍࡔ㔜せ࡞㈍኎ࢳࣕࢿ࡛ࣝ࠶ࡿྠᅜ࡛ࡣࠊ
AI ࢆᦚ㍕ࡋࡓ࣎࢖ࢫ࣎ࢵࢺࡢά⏝࡟ࡶὀຊࡋ࡚࠸ࡿ࡜࠸࠺ࠋ௒ࡢ࡜ࡇࢁ 1 ᪥ࡢᑐᛂ௳
ᩘ࡟ไ㝈ࡀ࠶ࡿࡀࠊ࣎࢖ࢫ࣎ࢵࢺࡢά⏝࡟ࡼࡾࢸ࣐࣮ࣞࢣࢸ࢕ࣥࢢせဨࢆ᭱ᑠ㝈࡟ᢚ࠼ࡿࡇ࡜ࡀ࡛ࡁࡿ࡯࠿ࠊ࣎࢖ࢫ࣎ࢵࢺࡢᶵᲔⓗ࡞ᑐᛂࡣ㢳ᐈ࡟ࡶዲホ࡜ࡢࡇ࡜࡛࠶ࡿࠋ
ࡲࡓࠊேཱྀࡢ࠾ࡼࡑ 30㸣ࡀ㎰ᴗᚑ஦⪅࡛࠶ࡿ࢖ࣥࢻࢿࢩ࢔࡛ࡣ≉࡟᭷⏝ࡔ࡜⪃࠼ࡽࢀࡿࠊ㎰ᴗಖ㝤࡟࠾ࡅࡿࢪ࢜ࢱࢢ41ࡢά⏝ࡶࢹࢪࢱࣝ໬ࡢ౛࡜ࡋ࡚ᣲࡆࡽࢀࡓࠋࢪ࢜ࢱࢢ
ࢆά⏝ࡍࡿࡇ࡜࡟ࡼࡾࠊᆅ⌮ⓗ᮲௳࡟ᇶ࡙ࡃࣜࢫࢡࢆ≉ᐃࡍࡿࡇ࡜ࡀ࡛ࡁࠊಖ㝤ࡢᘬཷ࡟ᙺ❧ࡘ࡜ࡋ࡚࠸ࡿࠋISJ ཧຍ⪅ࡣࡲࡓࠊ௒ᚋࡢࢹࢪࢱࣝ໬ಁ㐍࡟࠾ࡅࡿㄢ㢟ࡣࠊᦆᐖಖ㝤ࡢᬑཬ⋡࠾ࡼࡧࣜࢸࣛࢩ࣮ࡢపࡉ࡛࠶ࡿ࡜ࡋ࡚࠸ࡿࠋ

㸦4㸧
㸧ࢱ࢖
a㸬
㸬ᦆᐖಖ㝤ᕷሙ࡟ࡘ࠸࡚
AM Best ࡣ 2021 ᖺ 5 ᭶ࡢ࣏࣮ࣞࢺ42ࡢ୰࡛ࠊࢱ࢖ࡢᦆᐖಖ㝤ᕷሙࡣࠊ2019 ᖺࡢ➨
The Low Down, “Challenges for insurtech in Indonesia”㸦2020.4㸧
࢖ࣥࢲࢫࢺ࣮ࣜ4.0 ࡣࠊࡶ࡜ࡶ࡜ࡣࢻ࢖ࢶᨻᗓࡀ㐍ࡵࡿ〇㐀ᴗ࡟࠾ࡅࡿ࣮࢜ࢺ࣓࣮ࢩࣙࣥ໬ࣉࣟࢪ࢙ࢡ
ࢺࡢྡ⛠࡛࠶ࡾࠊே㢮ྐୖ 4 ᗘ┠ࡢ⏘ᴗ㠉࿨㸦➨ 4 ḟ⏘ᴗ㠉࿨㸧࡜࠸࠺ព࿡ࢆᣢࡘࠋࡑࡢᚋୡ⏺ⓗ࡟౑⏝ࡉࢀࡿ⏝ㄒ࡟࡞ࡗࡓࠋ࢖ࣥࢻࢿࢩ࢔∧ࡢ࢖ࣥࢲࢫࢺ࣮ࣜ4.0 ࡛ࡣࠊձᅜෆࡢࢡࣛ࢘ࢻࢧ࣮ࣅࢫࠊࣈ࣮ࣟࢻ
ࣂࣥࢻ࡜࠸ࡗࡓࢹࢪࢱࣝ࢖ࣥࣇࣛ࡬ࡢᢞ㈨ࠊղᅜෆࡢ୰ᑠ௻ᴗ࡟࠾ࡅࡿࢹࢪࢱࣝ໬ࡢ᥎㐍ࠊճIoT 㛤Ⓨࠊմ㛤Ⓨ࣭Ⓨ᫂ࢆಖㆤࡍࡿࡓࡵࡢ▱ⓗ㈈⏘ಖㆤ࡟ಀࡿつไ࡞࡝ࡢᩚഛࠊյ௻ᴗࡢࢹࢪࢱࣝ໬ᢞ㈨࡟ᑐࡍࡿ㈈ᨻⓗ࡞ඃ㐝ᥐ⨨ࠊࡢ 5 ࡘࡢ㡯┠࡟㔜Ⅼࢆ⨨ࡁࠊᵝࠎ࡞ᨭ᥼ࢆ⾜ࡗ࡚࠸ࡿࠋ
41 ෗┿ࡸື⏬࡟ࢱࢢ࡜ࡋ࡚㏣ຍ࡛ࡁࡿᆅᅗୖࡢ఩⨨㸦⦋ᗘ࣭⤒ᗘ㸧ࢆ♧ࡍᩘ್ࢹ࣮ࢱࢆᣦࡍࠋ
42 AM Best, “Best’s Market Segment Report: Thailand Non-Life Insurers Show Resilience Yet
3940

損保総研レポート第135号 2021.6- 18 ― 18 ―

4 ᅄ༙ᮇ࠿ࡽ᪋⾜ࡉࢀࡓࣜࢫࢡ࣮࣋ࢫࡢ㈨ᮏつไ㸦Risk-based capital framework 2㸸
RBC2㸧43࡟ࡼࡾࣜࢫࢡ⟶⌮ࡀᙉ໬ࡉࢀࡓࡓࡵࠊ᪂ᆺࢥࣟࢼ࢘࢖ࣝࢫឤᰁ⑕ࡢࣃࣥࢹ࣑
ࢵࢡ࡟ࡼࡿ୙☜ᐇᛶ࡟ࡶ࠿࠿ࢃࡽࡎࠊ2020 ᖺᮎࡢࢯࣝ࣋ࣥࢩ࣮ẚ⋡ࡣ᭱ప㈨ᮏせ௳
㸦120㸣㸧ࢆࡣࡿ࠿࡟ୖᅇࡿ 348㸣࡜࡞ࡗ࡚࠾ࡾࠊ௒ᚋࡶሀㄪ࡞Ⓨᒎࡀᮇᚅ࡛ࡁࡿ࡜ࡋ
࡚࠸ࡿࠋࢱ࢖࡛ࡣࠊಖ㝤఍♫ࡢつไ࣭┘╩ࢆ⾜࠺ಖ㝤ጤဨ఍㸦Office of Insurance Commission㸸௨ୗࠕOICࠖ㸧࡟ࡼࡾࠊ⮬ື㌴ಖ㝤࠾ࡼࡧ㈈⏘ಖ㝤࡟ࡣࢱࣜࣇᩱ⋡ࡀࠊࡑࢀ௨እࡢ✀┠࡟ࡣ᭱ప࣭᭱㧗ᩱ⋡ࡀ♧ࡉࢀࡓ⠊ᅖᩱ⋡ࡀ㐺⏝ࡉࢀ࡚࠸ࡿࠋ2020 ᖺࡲ࡛࡟ࢱࣜࣇᩱ⋡ไᗘࢆ᧔ᗫࡍࡿࡇ࡜ࡀ┠ᶆ࡜ࡉࢀ࡚ࡁࡓࡀࠊࡲࡔ᏶඲⮬⏤໬44࡟ࡣ⮳ࡗ࡚࠸࡞࠸ࠋ
ࢱ࢖࡟ࡣ 2020 ᖺ 2 ᭶᫬Ⅼ࡛ᦆᐖಖ㝤఍♫ࡣ 58 ♫Ꮡᅾࡋࠊ2018 ᖺࡢ཰ධಖ㝤ᩱ࡛ࡣࠊୖ఩ 5 ♫࡛ 41.85㸣ࠊୖ఩ 10 ♫࡛ 61.88㸣ࢆ༨ࡵ࡚࠸ࡿ㸦ୗ఩ 22 ♫ࡢࢩ࢙࢔ࡣྜ
ィ࡛ 4%ᮍ‶࡛࠶ࡿ㸧ࠋࢱ࢖ࡢᦆᐖಖ㝤ࢭࢡࢱ࣮ࡣ㐣ᐦ≧ែ࡟࠶ࡾࠊᕷሙࡀᨭ࠼ࡿࡇ࡜
ࡀ࡛ࡁࡿ 2 ಸ௨ୖࡢ఍♫ࡀᏑᅾࡋ࡚࠸ࡿ࡜ࡉࢀ࡚࠸ࡿࠋྜే࣭኎༷࡟ࡼࡿᴗ⏺෌⦅ࡢᚲせᛶࡣᗈࡃㄆ㆑ࡉࢀ࡚࠸ࡿࡀࠊᑠつᶍ࡞ᦆᐖಖ㝤఍♫ࡢከࡃࡣྠ᪘⤒Ⴀ࡛࠶ࡾࠊྠ᪘
ࢢ࣮ࣝࣉ௨እࡢዎ⣙ࡣ࡯࡜ࢇ࡝ᢅࡗ࡚࠾ࡽࡎࠊ㨩ຊⓗ࡞ࢱ࣮ࢤࢵࢺ࡜ࡣࡳ࡞ࡉࢀ࡚࠸
࡞࠸ࡓࡵࠊྜే࣭኎༷ࡣ࡞࠿࡞࠿㐍ᒎࡋ࡞࠸࡜ぢࡽࢀ࡚࠸ࡿ45ࠋ
2019 ᖺࡢ㈍኎ࢳࣕࢿู࡛ࣝࡣࠊ࢖ࣥࢱ࣮ࢿࢵࢺ㈍኎ࡢ๭ྜࡣ 0.1㸣࡜ప࠸ࡀࠊ2020ᖺୖ༙ᮇ࡟࠾ࡅࡿ࢖ࣥࢱ࣮ࢿࢵࢺ㈍኎࡟ࡼࡿ཰ධಖ㝤ᩱࡣ 2019 ᖺࡼࡾ 38㸣ቑຍࡋ࡚
࠾ࡾࠊ㈍኎ࢳࣕࢿูࣝ඲య࡛ࡢ๭ྜࡶ 2019 ᖺࡢ 0.1㸣࠿ࡽ 0.5㸣࡟ୖ᪼ࡋ࡚࠸ࡿࠋ࡞
࠾ࠊࢱ࢖࡟ࡣ⣙ 500 ♫ࡢ௻ᴗࣈ࣮࣮ࣟ࢝ࡀᏑᅾࡋࠊ඲ᦆᐖಖ㝤ዎ⣙ࡢ 50㸣ᙉࢆᢅࡗ࡚
࠸ࡿ࡜ゝࢃࢀ࡚࠸ࡿࠋࡲࡓಶேࡢಖ㝤ࣈ࣮࣮ࣟ࢝ࡣ 10 ୓ே௨ୖࠊ௦⌮ᗑࡣ 2 ୓ே௨ୖᏑᅾࡍࡿࠋ2020 ᖺ 7 ᭶ 31 ᪥ࡼࡾࠊOIC ࡣಖ㝤ᘬཷ࡜௦⌮ᗑ࠾ࡼࡧಖ㝤ࣈ࣮࣮ࣟ࢝ࡢ⩏ົࢆつไࡍࡿࡇ࡜࡟↔Ⅼࢆᙜ࡚ࡓ᪂ࡋ࠸ᥐ⨨ࢆᑟධࡋࡓࠋࡲࡎࠊᚋグ b.࡛ㄝ᫂ࡋ࡚࠸ࡿ᪂ᆺ
ࢥࣟࢼ࢘࢖ࣝࢫឤᰁ⑕ᣑ኱࡬ࡢᑐᛂ࡜ࡋ୍࡚᫬ⓗ࡟ㄆࡵ࡚࠸ࡓࠊZoom ࡢࡼ࠺࡞࢙࢘ࣈ
఍㆟ࢶ࣮ࣝࡢ౑⏝࡟ࡼࡿಖ㝤㈍኎ᥐ⨨ࢆᗫṆࡋࠊᨵࡵ࡚ࢹࢪࢱࣝᢏ⾡ࢆ฼⏝ࡋࡓ㠀ᑐ
Challenge Remain”㸦2021.5㸧
43 OIC ࡣᅜ㝿ⓗ࡞㈨ᮏつไỈ‽࡟࢟ࣕࢵࢳ࢔ࢵࣉࡍࡿࡓࡵ࡟ࠊࣜࢫࢡ࣮࣋ࢫࡢ㈨ᮏつไ㸦RBC㸧࡟࠾ࡅࡿ⮬ᕫ㈨ᮏẚ⋡ࢆẁ㝵ⓗ࡟ᘬࡁୖࡆ࡚ࡁࡓࡀࠊ2011 ᖺࡢὥỈ⅏ᐖ࡟ಀࡿከ㢠ࡢಖ㝤㔠ᨭᡶ࡟ࡼࡾᦆᐖಖ
㝤఍♫ࡢ⮬ᕫ㈨ᮏࡀ኱ࡁࡃẋᦆࡉࢀࡓࡓࡵࠊࡑࡢᑐᛂ࡜ࡋ࡚ὥỈࣜࢫࢡ㔞ࡢ⟬ฟ᪉ἲࢆ⦆࿴ࡍࡿ࡞࡝ࡢᥐ
⨨ࢆㅮࡌ࡚ࡁࡓࠋRBC2 ࡣὥỈࣜࢫࢡ㔞ࡢ⦆࿴ᥐ⨨ᮇ㛫⤊஢ᚋ࡟ᐇ᪋ࡉࢀࡓࠋ
44 2017 ᖺ࡟ࡣಖ㝤㔠㢠ࡀ 5,000 ୓㺨㺼㺎㺠㸦⣙ 1 ൨ 7,600 ୓෇㸧ࡲ࡛ࡢ௻ᴗྥࡅࡢ㈈⏘ಖ㝤ዎ⣙࡟ࡣ 10㸣ࠊಶேྥࡅࡢ㈈⏘ಖ㝤ዎ⣙࡟ࡣ 15㸣ࡢ๭ᘬࡀ㐺⏝ࡉࢀࠊಖ㝤㔠㢠ࡀ 5,000 ୓㺨㺼㺎㺠௨ୖࡢዎ⣙࡟ᑐࡋ࡚ࡣ᭱
పᩱ⋡ࢆ᧔ᗫࡍࡿ࡞࡝ࡢኚ᭦ࡀᐇ᪋ࡉࢀࡓࠋࡲࡓࠊ௻ᴗ⥲ྜಖ㝤ࡢᘬཷ࡟ࡘ࠸࡚ࡣࠊ᭱పಖ㝤㔠㢠 3 ൨㺨㺼㺎㺠㸦⣙ 10 ൨ 5,000 ୓෇㸧ࡸ᭱పಖ㝤ᩱ⋡࡞࡝ࡢ᮲௳ࡀ௜ࡉࢀ࡚࠸ࡿࡀࠊ㛗ᖺࡢ័⩦࡟ࡼࡾࡑ࠺ࡋࡓ᮲௳
ࡣ㐺⏝ࡉࢀࡎࠊಖ㝤఍♫ࡢ⿢㔞࡛ᘬཷࡀ࡞ࡉࢀ࡚࠸ࡿ࡜࠸࠺ࠋOIC ࡣࡲࡓࠊࢥࣟࢼ⚝ࡢ 2020 ᖺ 8 ᭶࡟ࠊ2020 ᖺ 9 ᭶ 1 ᪥࠿ࡽྠᖺ 10 ᭶ 15 ᪥ࡢ㛫࡟⥾⤖ࡉࢀࠊಖ㝤ጞᮇࡀ 2021 ᖺ 1 ᭶ 1 ᪥௨๓ࡢಖ㝤఍♫ࡢ┤㈍ಶேዎ⣙࡟ᑐࡋࠊ㐺⏝ᩱ⋡ࢆࢱࣜࣇᩱ⋡ࡼࡾ 30㸣పࡃタᐃ࡛ࡁࡿᣦ௧ࢆⓎฟࡋࡓࠋ๭ᘬᮇ㛫ࡣ 1 ᖺ㛫࡛ࠊࡑࡢᚋࡣࡶ࡜ࡢࢱࣜࣇᩱ⋡ࡀ㐺⏝ࡉࢀࡿࠋ࡞࠾ࠊ
㸦㸧ෆࡢ෇㈌ࡣࠊ2021 ᖺ 5 ᭶ᮎࡢⅭ࣮᭰ࣞࢺ࡛࠶ࡿ
1 㺨㺼㺎㺠㸻3.51 ෇࡛᥮⟬ࡋ࡚࠸ࡿࠋ௨ୗྠᵝ࡜ࡍࡿࠋ45 AXCO, “Non-Life Insurance Market Report: Thailand”㸦2021.4㸧

- 19 ― 19 ―

損保総研レポート第135号 2021.6

㠃㸦㡢ኌ࣭ࣅࢹ࣭࢜⏬ീࡢ฼⏝㸧࡟ࡼࡿಖ㝤㈍኎ࢆࠊ㢳ᐈࡢྠព࠾ࡼࡧṇᙜ࡞ᚲせᛶࡀ࠶ࡿሙྜ࡟ࡢࡳㄆࡵࡿࡇ࡜࡜ࡋࡓࠋከࡃࡢಖ㝤఍♫ࡣ♫ෆ࡛ᚑᴗဨࡀ┤᥋㢳ᐈ࡟ಖ㝤
ࢆ㈍኎ࡋ࡚࠸ࡿࡓࡵࠊࡇࡢᥐ⨨ࡣ㠀ᖖ࡟᭷⏝࡛࠶ࡿ࡜ࡉࢀ࡚࠸ࡿࠋࢸ࣐࣮ࣞࢣࢸ࢕ࣥࢢ
࡟㛵ࡋ࡚ࡣࠊ㏻ヰ㘓㡢࠾ࡼࡧ㘓㡢グ㘓ࡢಖᏑࠊ㢳ᐈࡢಶே᝟ሗࢆྜἲⓗ࡟཰㞟࣭ಖ⟶ࡍࡿࡓࡵࡢᡭ㡰᭩ࡢ⟇ᐃࠊࠕ㟁ヰࢆ࠿ࡅ࡚ࡣ࠸ࡅ࡞࠸┦ᡭࣜࢫࢺࠖࡢ⟇ᐃ࡞࡝ࡀつᐃ࡟┒ࡾ㎸ࡲࢀࡓࠋࡲࡓࣂࣥ࢝ࢩࣗ࢔ࣛࣥࢫ࡟㛵ࡋ࡚ࡣࠊ㖟⾜ࡀ㢳ᐈࡢྠពࢆᚓࡓ࠺࠼࡛㖟⾜ࡢᩜᆅእ࡛ಖ㝤ࢆ㈍኎ࡍࡿࡇ࡜࡞࡝ࡀㄆࡵࡽࢀࡓࠋ௦⌮ᗑ࠾ࡼࡧಖ㝤ࣈ࣮࣮ࣟ࢝ࡢ⩏ົ࡟㛵ࡍࡿつᐃࡣࡇࢀࡲ࡛ࡢࡶࡢ࡜࡯ࡰኚࢃࡽ࡞࠸ࡀࠊ౛࠼ࡤࠊ௰௓஦ᴗ⪅ࡣಖ㝤ࡢ㈍኎࡟ඛ❧ࡕಖ㝤ዎ⣙ࡢෆᐜ࡜㐺⏝⠊ᅖࢆᚭᗏⓗ࡟ㄪᰝࡋࠊ⮬㌟ࡀᥦ౪ࡍࡿಖ㝤ዎ⣙ࡀ㢳ᐈࡢ┠ⓗࠊࣜࢫࢡ࢔࣌ࢱ࢖ࢺࠊ࠾ࡼࡧಖ㝤ᩱࡢᨭᡶ⬟ຊ࡟㐺ࡋ࡚࠸ࡿࡇ࡜ࢆ☜ㄆࡍࡿࡇ࡜ࠊ࡜࠸ࡗࡓ୍⯡ⓗ࡞⩏ົ࡞࡝ࡀ㏣グࡉࢀࡓࠋᅗ⾲ 10 ࢱ࢖ࡢ཰ධಖ㝤ᩱࡢ✀┠ู๭ྜ࡜㈍኎ࢳࣕࢿูࣝ๭ྜ
✀┠ู๭ྜ㸦2020 ᖺ㸧

⯪⯧࣭㈌≀
2.1%

㈍኎ࢳࣕࢿูࣝ๭ྜ

ࡑࡢ௚
7.0%

㈈⏘
4.0%
་⒪
6.3%
௻ᴗ⥲ྜ
10.6%

⮬ື㌴
57.8%

ಶேയᐖ
12.2%

ࢳࣕࢿࣝ

2019 ᖺ

ࢲ࢖ࣞࢡࢺ

14.6㸣

ಖ㝤ࣈ࣮࣮ࣟ࢝

58.8㸣

௦⌮ᗑ

13.8㸣

ࣂࣥ࢝
ࢩࣗ࢔ࣛࣥࢫ

12.7㸣

࢖ࣥࢱ࣮ࢿࢵࢺ

0.1㸣

ࡑࡢ௚

-

㸦ฟ඾㸸Thai General Insurance Association of Thailand ࢙࢘ࣈࢧ࢖ࢺࠊBaker
McKenzie, “Insurance Outlook 2019-2020”㸦2020.12㸧ࢆࡶ࡜࡟సᡂ 㸧㸬᪂ᆺࢥࣟࢼ࢘࢖ࣝࢫឤᰁ⑕ᣑ኱ࡢᙳ㡪࡜ᦆᐖಖ㝤ᴗ⏺ࡢᑐᛂb㸬
2021 ᖺ 5 ᭶ 21 ᪥⌧ᅾࠊࢱ࢖ࡢ᪂ᆺࢥࣟࢼ࢘࢖ࣝࢫ࡬ࡢឤᰁ⪅ᩘࡣ⣼ィ࡛ 12 ୓ 3,066
ேࠊ4 ᭶ 20 ᪥ࡢ 4 ୓ 5,185 ே࠿ࡽ 7 ୓ 7,881 ேࡢቑຍ࡜࡞ࡗ࡚࠸ࡿࠋ᪂つឤᰁ⪅ᩘࡶ
3,000 ேࢆ㉸࠼ࡿ᪥ࡀከࡃࠊ⌧᫬Ⅼ࡛ࡣࡲࡔῶᑡഴྥ࡟ࡣ⮳ࡗ࡚࠸࡞࠸ࠋ
2020 ᖺࡢᦆᐖಖ㝤ࡢ⥲཰ධಖ㝤ᩱࡣࠊ᪂ᆺࢥࣟࢼ࢘࢖ࣝࢫឤᰁ⑕ᣑ኱ࡢᙳ㡪࡟ࡼࡿ᪂㌴㈍኎ྎᩘࡢῶᑡ࡟࡜ࡶ࡞࠸ࠊ✀┠ู๭ྜࡀ᭱ࡶ኱ࡁ࠸⮬ື㌴ಖ㝤ࡢῶ཰ࡀ᝿ᐃ࡛
ࡁࡿࡇ࡜࠿ࡽࠊᑐ๓ᖺẚ 5.6㸣⛬ᗘࡢῶ཰࡟࡞ࡿ࡜ぢ㎸ࡲࢀ࡚࠸ࡓࠋࡋ࠿ࡋ࡞ࡀࡽࠊ᪂
ᆺࢥࣟࢼ࢘࢖ࣝࢫឤᰁ⑕ࢆ⿵ൾᑐ㇟࡜ࡍࡿಖ㝤ࡢዲㄪ࡞኎ୖࡸࠊᠱᛕࡉࢀ࡚࠸ࡓ⮬ື㌴ಖ㝤࡛ࡶᑐ๓ᖺẚ 1.4㸣ࡢቑ཰࡜࡞ࡗࡓࡓࡵࠊ⥲཰ධಖ㝤ᩱࡣ⤖ᯝⓗ࡟๓ᖺ࠿ࡽ⣙損保総研レポート第135号 2021.6- 20 ― 20 ―

3.6㸣ୖ᪼ࡋ 2,530 ൨㺨㺼㺎㺠㸦⣙ 8,800 ൨෇㸧࡜࡞ࡗࡓࠋ
ࣃࣥࢹ࣑ࢵࢡⓎ⏕ᚋࡢᑐᛂ࡜ࡋ࡚ࡣࠊOIC ࡣࡲࡎࠊയᐖ࣭་⒪࣭⏕࿨࣭᪑⾜࣭ఇᴗಖ㝤࡟㛵ࡋࠊ2020 ᖺ 3 ᭶ 17 ᪥௨๓46࡟㈍኎ࡉࢀࡓዎ⣙ࡶྵࡵࠊ᪂ᆺࢥࣟࢼ࢘࢖ࣝࢫឤᰁ
⑕ࢆ⿵ൾᑐ㇟࡜ࡍࡿࡼ࠺ಖ㝤఍♫࡟ἲⓗຠຊࢆᣢࡘᣦ௧ࢆⓎฟࡋࡓࠋྠᖺ 4 ᭶࡟ࡣࠊಖ㝤ࣈ࣮࣮ࣟ࢝ࠊ௦⌮ᗑࠊ࠾ࡼࡧ㖟⾜࡟ࠊ࢙࢘ࣈ఍㆟ࢶ࣮ࣝࢆ౑⏝ࡋಖ㝤ࢆ㈍኎ࡍࡿࡇ
࡜ࢆ୍᫬ⓗ࡟ㄆࡵࡓ47ࠋࡉࡽ࡟ 8 ᭶࡟ࡣࠊOIC ࡣ࢔ࢪ࢔ึ࡜࡞ࡿ᪂ᆺࢥࣟࢼ࢘࢖ࣝࢫឤ
ᰁ⑕ࢆ⿵ൾᑐ㇟࡜ࡋࡓࢱ࢖࡬ࡢ᪑⾜ࢆ⿵ൾࡍࡿಖ㝤48ࢆᢎㄆࡋࠊ12 ᭶࡟ࡣᦆᐖಖ㝤఍♫࡜༠ຊࡋࠊྠឤᰁ⑕ࢆ⿵ൾᑐ㇟࡜ࡋࡓࢽ࣮ࣗࣀ࣮࣐ࣝࢫ࣮ࣃ࣮ࣉࣛࢫ49࡜࠸࠺ࠊࢃࡎ
࠿ 10 㺨㺼㺎㺠㸦⣙ 35 ෇㸧࡛ຍධྍ⬟࡞஺㏻஦ᨾയᐖಖ㝤ࢆ㛤Ⓨࡋࡓࠋ
2020 ᖺ 3 ᭶࠿ࡽ㈍኎ࡉࢀ࡚࠸ࡿࠊ᪂ᆺࢥࣟࢼ࢘࢖ࣝࢫឤᰁ⑕ࢆ⿵ൾᑐ㇟࡜ࡍࡿࡇ࠺
ࡋࡓಖ㝤ࡢಖ㝤㔠ㄳồ㢠ࡣࠊ2021 ᖺ 4 ᭶ᮎ᫬Ⅼ࡛⣙ 5 ൨㺨㺼㺎㺠㸦⣙ 17 ൨ 5,500 ୓෇㸧࡟㐩ࡋࡓ࡜᥎ィࡉࢀ࡚࠸ࡿࠋOIC ࡣྠឤᰁ⑕⿵ൾ࡟ࡼࡿಖ㝤㔠ㄳồ㢠ࡣಖ㝤఍♫ࡢ೺඲࡞㈨ᮏỈ‽࡟ᙳ㡪ࡣ୚࠼࡚࠸࡞࠸࡜ࡋ࡞ࡀࡽࡶࠊ௒ᚋࡢ᪂ࡓ࡞ឤᰁᣑ኱ࡢἼࢆ៧៖
ࡋࠊಖ㝤఍♫࡟ࢫࢺࣞࢫࢸࢫࢺࡢᐇ᪋ࢆồࡵࡓࠋc㸬㸬ࢹࢪࢱࣝ໬࡬ࡢᑐᛂ
2020 ᖺ 10 ᭶ࠊOIC ࡣ 2021 ᖺ࠿ࡽ 2025 ᖺࡢ 5 ᖺ㛫࡟࠾ࡅࡿ➨ 4 ḟಖ㝤㛤Ⓨィ⏬50
ࡢⲡ᱌ࢆⓎ⾲ࡋࡓࠋྠⲡ᱌࡛ࡣࠊࢧࢫࢸࢼࣈࣝ࡞♫఍࣭⤒῭ࡢᵓ⠏࡟࠾ࡅࡿಖ㝤఍♫ࡢᙺ๭ࡢ☜❧ࡸࠊ࢚ࢥࢩࢫࢸ࣒ࡢᙧᡂ࣭ά⏝࠾ࡼࡧἲつไࡢᨵᐃࡲࡓࡣ⦆࿴࡟ࡼࡾࢱ࢖ࡢ
ಖ㝤ᴗ⏺ࢆᙉ໬ࡍࡿࡇ࡜࡜ࡶ࡟ࠊOIC ࡢࢹࢪࢱࣝ໬࡟ಀࡿྲྀ⤌ࡢ᥎㐍ࡶ┠ᶆ࡜ࡉࢀ࡚࠸ࡿࠋOIC ࡟ࡣ Center of InsurTech Thailand㸦௨ୗ㸸CIT㸧࡜࿧ࡤࢀࡿ㒊㛛ࡀ࠶ࡾࠊಖ㝤࡟࠾ࡅࡿ࢖ࣀ࣮࣋ࢩࣙࣥࢆ㉳ࡇࡋ᪂ࡓ࡞ᢏ⾡ࢆ⏕ࡳฟࡍ࡜࠸࠺㔜せ࡞ᶵ⬟ࢆᢸࡗ࡚࠸ࡿࠋOIC ࡢ CIT 㒊㛛࡟ࡼࡾ᥎㐍ࡉࢀ࡚࠸ࡿ୺࡞ྲྀ⤌ࡣ௨ୗࡢ࡜࠾ࡾ࡛࠶ࡿࠋ‫ ۑ‬OIC Gatewayಖ㝤ᴗ⏺ࡢࢧ࣮ࣅࢫࢆᙉ໬ࡍࡿࡓࡵࡢ IT ࢩࢫࢸ࣒࡛࠶ࡾࠊࢱ࢖࡛ㄆྍࡉࢀࡓ
⏕࿨࣭ᦆᐖಖ㝤఍♫ࡀᘬࡁཷࡅࡿࡍ࡭࡚ࡢዎ⣙ࡢヲ⣽࡞᝟ሗࢆᴗ⏺඲య࡛ࣜࣥ
ࢡࡍࡿࡓࡵࡢࢳࣕࢿࣝ࡜ࡋ࡚ᶵ⬟ࡍࡿࠋ⏕࿨࣭ᦆᐖಖ㝤఍♫ࡣ 2021 ᖺ 1 ᭶ࡼ

46ࡓࡔࡋࠊዎ⣙⪅ࡀಖ㝤࡟ຍධࡍࡿ௨๓࡟ឤᰁࡋ࡚࠸ࡓሙྜ࡜ࠊ་⒪࣭⏕࿨ಖ㝤࡞࡝ࡢᚅᶵᮇ㛫୰࡟ឤᰁࡋࡓሙྜࡣᑐ㇟እ࡜ࡉࢀࡓࠋ
47 」㞧࡞⏕࿨ಖ㝤ࡸࣘࢽࢵࢺࣜࣥࢡಖ㝤ၟရࡣᑐ㇟እ࡜ࡉࢀࡓࠋࡲࡓ࢙࢘ࣈ఍㆟ࢶ࣮࡛ࣝࡢ㢳ᐈ࡜ࡢࡸࡾ
ྲྀࡾࡣ㘓⏬ࡋ࡞ࡅࢀࡤ࡞ࡽ࡞࠸ࠋ
48 ࡍ࡭࡚࢜ࣥࣛ࢖࡛ࣥ㈍኎ࡉࢀࠊධᅜド᫂᭩ࠊ࠾ࡼࡧฟᅜ 72 ᫬㛫๓ࡢ PCR ᳨ᰝ࡛㝜ᛶ࡛࠶ࡿࡇ࡜ࢆ᮲
௳࡜ࡋ࡚ࠊ᳨␿ᙉ໬ᑐ㇟ᅜ࡜ࡉࢀ࡚࠸ࡿᅜࠎ࠿ࡽࡢ᪑⾜⪅࡟ࡶ㈍኎ࡋࡓࠋ
49 ࢱ࢖ࡢᪧṇ᭶࡟࠶ࡓࡿ⚃᪥㸦2021 ᖺࡣ 4 ᭶ 12 ᪥࠿ࡽ 4 ᭶ 15 ᪥㸧ࢆᣳࡴᅜෆ࡛ࡢ⛣ືࡀቑຍࡋ஺㏻஦
ᨾࡀከⓎࡍࡿᮇ㛫ࢆᑐ㇟࡜ࡋ࡚㈍኎ࡉࢀࡓࠋ஺㏻஦ᨾ࠾ࡼࡧ᪂ᆺࢥࣟࢼ࢘࢖ࣝࢫឤᰁ⑕࡟ࡼࡿṚஸ࣭ᚋ㑇㞀ᐖ࣭ධ㝔㈝⏝ࡢ࡯࠿ࠊ࣡ࢡࢳࣥ᥋✀ࡢ๪స⏝࡟ࡼࡿධ㝔㈝⏝ࡶ⿵ൾࡍࡿࠋྠಖ㝤ࡣ 10 ྡ௨ୖࡢᅋయ⏝࣐࢖ࢡࣟಖ㝤࡛࠶ࡾࠊᦆᐖಖ㝤ࢆᢅ࠺ 23 ♫࡟ࡼࡾ㈍኎ࡉࢀࡓࠋ
50 OIC ࡣ 2006 ᖺ࡟➨ 1 ḟಖ㝤㛤Ⓨィ⏬ࢆึࡵ࡚බ⾲ࡋࡓࠋ- 21 ― 21 ―損保総研レポート第135号 2021.6

ࡾࠊಖ᭷ࡍࡿࡲࡓࡣ௒ᚋᘬࡁཷࡅࡿࡍ࡭࡚ࡢዎ⣙࡟ಀࡿヲ⣽࡞᝟ሗࢆ OIC ࡟ᥦ౪ࡍࡿࡇ࡜ࡀ⩏ົ௜ࡅࡽࢀࡓࠋ‫ ۑ‬Insurance Guru
2020 ᖺ 7 ᭶࡟❧ࡕୖࡆࡽࢀࡓ࢜ࣥࣛ࢖ࣥಖ㝤ၟရࡢ౯᱁ẚ㍑ࢧ࢖ࢺ࡛࠶ࡿࠋ
⮬㌟ࡢࢽ࣮ࢬ࡟㐺ࡋࡓಖ㝤ၟရࢆ㑅ᢥ࡛ࡁࡿࡼ࠺࡟ᾘ㈝⪅ࢆᨭ᥼ࡍࡿࡇ࡜ࢆ┠ⓗ࡜ࡋ࡚࠸ࡿࠋ‫ ۑ‬つไࢧࣥࢻ࣎ࢵࢡࢫ
ࢱ࢖ࡢಖ㝤࢚ࢥࢩࢫࢸ࣒࡟ࡼࡾ㐺ࡋࡓࡶࡢ࡜ࡍࡿࡓࡵࠊつไࢧࣥࢻ࣎ࢵࢡࢫ
㸦2017 ᖺᑟධ㸧࡟ಀࡿᇶ‽ࡀ 2020 ᖺ࡟ᨵᐃࡉࢀࡓࠋつไࢧࣥࢻ࣎ࢵࢡࢫࡢ୺
࡞ᨵᐃࡣ௨ୗࡢ࡜࠾ࡾ࡛࠶ࡿࠋ
࣭ࣇ࢕ࣥࢸࢵࢡ࡞࡝ࡢᢏ⾡ࢆᥦ౪ࡍࡿ௻ᴗࡣࠊಖ㝤఍♫࡜ᥦᦠࡋ࡞ࡃ࡜ࡶつไࢧࣥࢻ࣎ࢵࢡࢫ࡟ཧຍ࡛ࡁࡿࡼ࠺࡟࡞ࡗࡓࠋ࣭つไࢧࣥࢻ࣎ࢵࢡࢫ࡬ࡢཧຍせ௳࡛࠶ࡿࠕ㐺᱁࡞஦ᴗࠖ࡟ࡣࠊࡼࡾᗈ⩏࡞ゎ㔘ࡀ㐺⏝ࡉࢀཧຍ࡬ࡢᰂ㌾ᛶࡀቑࡋࡓࠋ
࣭ᐇ᪋ᮇ㛫ࡣࡇࢀࡲ࡛ 1 ᖺ㛫࡜ᐃࡵࡽࢀ࡚࠸ࡓࡀࠊࣉࣟࢪ࢙ࢡࢺࡈ࡜࡟ OIC ࡢ⿢㔞࡛ᐇ᪋ᮇ㛫ࢆỴᐃ࡛ࡁࡿࡼ࠺࡟࡞ࡗࡓࠋ
࡞࠾ࠊᨵᐃᚋ࡟᥇⏝ࡉࢀࡓࣉࣟࢪ࢙ࢡࢺ࡟ࡣࠊMSIG Insurance ࡜኱ᡭᦠᖏ㟁ヰ఍♫ࡢ AdvancedInfo Service ࡢᥦᦠ࡟ࡼࡿࠊ㌴୧࡟ྲྀࡾ௜ࡅࡽࢀࡓ IoT ࢹࣂ࢖ࢫ࡟ࡼࡾ ᐃࡉࢀࡓࢻࣛ࢖ࣂ࣮ࡢ㐠㌿⾜ື࡟ᇶ࡙ࡁಖ㝤ᩱࢆ⟬ฟࡍࡿ⮬ື㌴ಖ㝤ࠕPrakan Kubdeeࠖ࡞࡝ࡀ࠶ࡿࠋ‫ ۑ‬OIC ࢳࣕࢵࢺ࣎ࢵࢺ
OIC ࡣಖ㝤᝟ሗࢆᗈࡃ୍⯡࡟ᥦ౪ࡍࡿࡇ࡜ࢆ㔜どࡋ࡚࠾ࡾࠊᾘ㈝⪅ࡀ⮬⏤࡟ಖ㝤࡟ࡘ࠸࡚㉁ၥ࡛ࡁࡿ OIC ࣍ࢵࢺࣛ࢖ࣥࢆタࡅ࡚࠸ࡿࠋ࣍ࢵࢺࣛ࢖ࣥࡢ฼⏝⪅ࡢቑຍ࡟࡜ࡶ࡞࠸ࠊOIC ࡣࢳࣕࢵࢺ࣎ࢵࢺࢆᑟධࡋࠊᾘ㈝⪅࠿ࡽࡢࡼࡾከࡃࡢ㉁ၥ࡟ᑐᛂ࡛ࡁࡿࡼ࠺࡟ࡋ࡚࠸ࡿࠋISJ ཧຍ⪅ࡣࠊ⮬㌟ࡢ⤒㦂ࢆࡶ࡜࡟ࡋࡓࢹࢪࢱࣝ໬࡟ಀࡿ㠀ᖖ࡟⯆࿡῝࠸ࢥ࣓ࣥࢺࢆ
ᐤࡏ࡚ࡃࢀࡓࠋྠཧຍ⪅࡟ࡼࡿ࡜ࠊࣃࣥࢹ࣑ࢵࢡⓎ⏕ᚋࠊ࢜ࣥࣛ࢖ࣥ࡟ࡼࡿಖ㝤㈍኎ࡀ
ᛴ⃭࡟ቑຍࡋࡓࡓࡵࠊ㖟⾜ࡢ❆ཱྀ࡛㈍኎ࡉࢀ࡚࠸ࡓ ISJ ཧຍ⪅ࡀᡤᒓࡍࡿᦆᐖಖ㝤఍♫ࡢၟရࡢ✀㢮ࡀࠊ᪥ࢆ㏣࠺ࡈ࡜࡟ᑡ࡞ࡃ࡞ࡗ࡚࠸ࡃᵝᏊࡀぢ࡚ྲྀࢀࡓ࡜࠸࠺ࠋ࢜ࣥࣛ
࢖࡛ࣥࡣᚑ᮶ࡢࢩࣥࣉࣝ࡞ၟရࡔࡅ࡛ࡣ࡞ࡃࠊಶேྥࡅࢧ࢖ࣂ࣮ಖ㝤ࡸ᪂ᆺࢥࣟࢼ࢘
࢖ࣝࢫឤᰁ⑕ࢆ⿵ൾࡍࡿಖ㝤ࡶ㈍኎ࡉࢀࡿࡼ࠺࡟࡞ࡾࠊࡲࡓᴗົࣉࣟࢭࢫࡢ⮬ື໬࡞࡝࡟ࡼࡾࠊᦆᐖಖ㝤఍♫ࡢᨭᗑࡢ㛢㙐ࡸேဨ๐ῶࡶ┠❧ࡗ࡚ࡁࡓ࡜࠸࠺ࠋ
ࡑࡢ௚ࠊከࡃࡢᦆᐖಖ㝤఍♫ࡀ฼⏝ࡋጞࡵ࡚࠸ࡿࢹࢪࢱࣝࢶ࣮ࣝ࡜ࡋ࡚ࠊࣛ࢖ࣥࡢࣅ
ࢹ࢜㏻ヰࢆ౑⏝ࡋࡓ⮬ື㌴஦ᨾ⮬ືᰝᐃࢯࣇࢺࡀᣲࡆࡽࢀࡓࠋྠࢯࣇࢺࡣࠊዎ⣙⪅࠿ࡽࣛ࢖ࣥࣅࢹ࢜㏻ヰࢆ௓ࡋ㏦ࡽࢀ࡚ࡃࡿ㌴୧ࡢᦆയ⏬ീࢆ⮬♫ࡢ஦ᨾཷ௜ࢭࣥࢱ࣮ࡢ⮬損保総研レポート第135号 2021.6- 22 ― 22 ―ື⏬ീㄞྲྀࢩࢫࢸ࣒࡟ྠᮇࡉࡏࠊಖ㝤㔠ㄳồฎ⌮ࢆ⮬ືⓗ࡟㐍ࡵࡿࡶࡢ࡛ࠊࡇࡢ฼⏝࡟ࡼࡾಖ㝤㔠ㄳồฎ⌮࡟ಀࡿேဨࡸᴗົ㐠Ⴀࢥࢫࢺࢆ๐ῶࡍࡿࡇ࡜ࡀ࡛ࡁࡿ࡜ࡋ࡚࠸ࡿࠋ
ᴗົ㐠Ⴀࢥࢫࢺ๐ῶ࡜࠸࠺ほⅬ࡛ࡣࠊE-Renewal ࡢά⏝ಁ㐍ࡶ㐍ࢇ࡛࠸ࡿ࡜࠸࠺ࠋERenewal ࡣ࢜ࣥࣛ࢖࡛ࣥಖ㝤ࡢ᭦᪂ࢆ⾜࠺ࢧ࣮ࣅࢫ࡛ࠊዎ⣙⪅ࡣಖ㝤఍♫࠿ࡽ㏦ࡽࢀ
࡚ࡃࡿ QR ࢥ࣮ࢻࡸࣂ࣮ࢥ࣮ࢻࢆྵࡴ㟁Ꮚࣇ࢓࢖ࣝࢆཷ㡿ࡋࠊࡑࢀࡽࢆࢫ࢟ࣕࣥࡍࡿ
ࡇ࡜࡟ࡼࡾ⡆༢࡟ಖ㝤ࡢ᭦᪂࣭ಖ㝤ᩱࡢᨭᡶࢆ⾜࠺ࡇ࡜ࡀ࡛ࡁࡿࠋ
ࢹࢪࢱࣝ໬ಁ㐍࡬ࡢㄢ㢟࡜ࡋ࡚ࡣࠊࢱ࢖ࡢ࡯࡜ࢇ࡝ࡢᦆᐖಖ㝤఍♫࡛౑⏝ࡉࢀ࡚࠸ࡿࢩࢫࢸ࣒ࡀ 15 ᖺ࠿ࡽ 20 ᖺ๓࡟⮬♫ෆ࡛⊂⮬࡟సࡽࢀࡓࡶࡢ࡛࠶ࡿࡓࡵࠊᛴ㏿࡟㐍ࡴࢹࢪࢱࣝ໬࡬ࡢᑐᛂࡀ㠀ᖖ࡟ᅔ㞴࡛࠶ࡿ࡜࠸࠺ࡇ࡜࡜ࠊࢱࣜࣇᩱ⋡ไᗘࡢࡓࡵࠊࢸࣞ
࣐ࢸ࢕ࢡࢫಖ㝤࡞࡝ࡢ཰㞟ࡋࡓࢹ࣮ࢱ࠿ࡽ᭱㐺࡞ಖ㝤ᩱࢆᥦ౪ࡍࡿಖ㝤ࡢᬑཬಁ㐍ࡀ㞴ࡋ࠸ࡇ࡜࡞࡝ࡀᣲࡆࡽࢀࡓࠋ

㸦5㸧㸧ࣇ࢕ࣜࣆࣥ
a㸬㸬ᦆᐖಖ㝤ᕷሙ࡟ࡘ࠸࡚
AM Best ࡣ 2021 ᖺ 3 ᭶ࡢ࣏࣮ࣞࢺ51ࡢ୰࡛ࠊࣇ࢕ࣜࣆࣥࡢᦆᐖಖ㝤ᕷሙࡣࣃࣥࢹ࣑
ࢵࢡ࡟ࡼࡾᑐ㠃㈍኎ࡀ࡛ࡁ࡞ࡃ࡞ࡗࡓࡇ࡜ࡀ኱ࡁࡃᙳ㡪ࡋ 2020 ᖺࡢ཰ධಖ㝤ᩱࡀ⃭ῶࡋࡓ࡜ࡋ࡞ࡀࡽࡶࠊ௒ᚋࡢぢ㏻ࡋ࡟㛵ࡋ࡚ࡣ㠀ᖖ࡟๓ྥࡁ࡞ぢゎࢆ♧ࡋ࡚࠸ࡿࠋࡑࡢ
⌮⏤ࡢ 1 ࡘࡣࠊᨻᗓࡀ᥎㐍ࡍࡿࠕBuild Build Buildࠖ࡜࠸࠺࢖ࣥࣇࣛᩚഛࣉࣟࢪ࢙ࢡ
ࢺ࡬ࡢᮇᚅ࡟ࡼࡿࡶࡢ࡛ࠊ㧗㏿㐨㊰ࢆྵࡴ㐨㊰࣭ࢱ࣮࣑ࢼ࣭ࣝ ‴࣭⑓㝔࣭Ꮫᰯ࣭ᨻᗓ
ᶵ㛵࡞࡝ࠊࣇ࢕ࣜࣆࣥ඲ᅵ࡛⣙ 2 ୓௳ࡢ࢖ࣥࣇࣛᘓタࡀணᐃࡉࢀ࡚࠾ࡾࠊ㈈⏘࣭㈌≀࣭ᘓタᕤ஦࡞࡝ࡢಖ㝤ศ㔝࡟࠾࠸࡚㛗ᮇⓗ࡞ᡂ㛗ࡀಁ㐍ࡉࢀࡿ࡜ AM Best ࡣぢ࡚࠸ࡿࠋࣇ࢕ࣜࣆ࡛ࣥࡣࠊ⮬ື㌴ಖ㝤ࠊ㈈⏘ಖ㝤ࡢ⮬↛⅏ᐖࣜࢫࢡ㸦ᆅ㟈ࠊྎ㢼࣭ὥỈ➼㸧ࠊ࠾ࡼࡧಖド࣭ಙ⏝ಖ㝤࡟ࡣࠊࣇ࢕ࣜࣆࣥᦆᐖಖ㝤࣭෌ಖ㝤༠఍㸦Philippine Insurers andReinsurance Association㸸௨ୗࠕPIRAࠖ㸧ࡀ⟬ᐃࡋࠊ┘╩ᙜᒁ࡛࠶ࡿಖ㝤ᗇ㸦InsuranceCommission㸧ࡀᢎㄆࡍࡿࢱࣜࣇᩱ⋡ࡀ㐺⏝ࡉࢀ࡚࠸ࡿࠋ㈈⏘ಖ㝤࡟㛵ࡋ࡚ࡣ 2000 ᖺ࡟ࢱࣜࣇᩱ⋡ࡀᗫṆࡉࢀࠊ⌧ᅾࡣྛ♫ࡀಶู࡟᭱ప࣭᭱㧗ಖ㝤ᩱ⋡ࢆྵࡴᩱ⋡ࢫࢣࢪ࣮ࣗࣝࢆಖ㝤ᗇ࡟ᥦฟࡋᢎㄆࢆᚓࡿࡇ࡜ࡀồࡵࡽࢀ࡚࠸ࡿࠋᩱ⋡ࢫࢣࢪ࣮ࣗࣝࡢᒆฟࢆ
⾜ࢃ࡞࠸ಖ㝤఍♫ࡣࠊ1997 ᖺไᐃࡢࢱࣜࣇᩱ⋡࡟ᚑ࠺ࡇ࡜࡟࡞ࡿࠋ2021 ᖺ 3 ᭶ 29 ᪥௜ࡢ࣐ࢽࣛࢱ࢖࣒ࢫࡢグ஦࡟ࡼࡿ࡜ࠊࣇ࢕ࣜࣆࣥࡢᦆᐖಖ㝤ᴗ⏺࡛ࡣࠊࢱࣜࣇᩱ⋡ࡀ㐺⏝ࡉࢀ࡚࠸ࡿಖ㝤✀┠࡟ࡘ࠸࡚ࠊ⌧⾜ࡢࢱࣜࣇᩱ⋡ࡢࡲࡲ࡜ࡍࡿ࠿ࠊ࠶ࡿ࠸ࡣ⮬⏤ᩱ⋡ࢆ᥇⏝ࡍࡿ࠿ࡢᢞ⚊ࡀᐇ᪋ࡉࢀࡿணᐃ࡛࠶ࡿ࡜ሗࡌࡽࢀ࡚࠸ࡿࠋ࣐ࢽࣛࢱ࢖࣒ࢫࡣྠ
グ஦࡟࠾࠸࡚ࠊࣇ࢕ࣜࣆࣥ࡟࠾ࡅࡿಖ㝤⮬⏤໬ࡢᐇ᪋ࡣࠊࢱࣜࣇᩱ⋡ไᗘࢆ᧔ᗫࡋಖ㝤ࡢ⮬⏤໬ࢆᐇ᪋ࡋࡓࡀࠊ࠾ࡑࡽࡃࡣࢱࣜࣇᩱ⋡ไᗘࢆ෌ᗘ᥇⏝ࡍࡿ࡜᥎ࡉࢀࡿ㏆㞄ྛᅜࡢ⤒㦂࠿ࡽᏛࢇ࡛࠿ࡽ࡛ࡶ㐜ࡃࡣ࡞࠸࡜ࡋ࡚࠸ࡿࠋ
AM Best, “Best’s Market Segment Report: Market Segment Outlook: Philippines Non-Life
Insurance”㸦2021.3㸧

51- 23 ― 23 ―

損保総研レポート第135号 2021.6

ࣇ࢕ࣜࣆࣥ࡟ࡣ 2020 ᖺ 2 ᭶᫬Ⅼ࡛ᦆᐖಖ㝤఍♫ࡣ 58 ♫Ꮡᅾࡋ࡚࠾ࡾࠊ2017 ᖺࡢ཰ධಖ㝤ᩱ࡛ࡣࠊୖ఩ 5 ♫ࡀ 45.58㸣ࠊୖ఩ 10 ♫࡛ 64.53㸣ࢆ༨ࡵ࡚࠸ࡿࠋ
ࣇ࢕ࣜࣆࣥࡢ඲⏕࿨࣭ᦆᐖಖ㝤఍♫ࡣࠊ13 ൨㺫㺽㺝㸦⣙ 30 ൨෇52㸧࡟ᘬࡁୖࡆࡽࢀࡓ

᭱ప㈨ᮏせ௳࡬ࡢ㑂Ᏺࢆ 2022 ᖺᮎࡲ࡛࡟᏶஢ࡉࡏࡿࡇ࡜ࡀồࡵࡽࢀ࡚࠸ࡿࡀ53ࠊAMBest ࡣ 2019 ᖺ 12 ᭶᫬Ⅼࡢྛᦆᐖಖ㝤఍♫ࡢ㈨ᮏࣞ࣋ࣝࠊ࠾ࡼࡧࡑࡢᚋࡢࣃࣥࢹ࣑ࢵ
ࢡࡢᙳ㡪ࢆ⪃៖ࡍࡿ࡜ࠊ⣙༙ᩘࡢᦆᐖಖ㝤఍♫ࡀ 13 ൨㺫㺽㺝ࡢ᭱ప㈨ᮏせ௳ࢆ‶ࡓࡍࡇ࡜ࡣ࡛ࡁ࡞࠸࡜ࡋ࡚࠾ࡾࠊࡑࡢࡓࡵࠊ௒ᚋ୰つᶍࢡࣛࢫࡢᦆᐖಖ㝤఍♫ࡢ⤫ྜ࣭ྜేࡀ
ቑຍࡍࡿ࡜ண ࡋ࡚࠸ࡿࠋ
ࣇ࢕ࣜࣆࣥࡢ୺ຊၟရࡣ⮬ື㌴ಖ㝤࠾ࡼࡧ㈈⏘ಖ㝤࡛࠶ࡾࠊ✀┠ู๭ྜࡢ࠾ࡼࡑ
66㸣ࢆ༨ࡵ࡚࠸ࡿࡀࠊࣇ࢕ࣜࣆࣥࡢ≉ᚩⓗ࡞✀┠࡜ࡋ࡚ࠊ4.3㸣ࡢࢩ࢙࢔ࢆᣢࡘ⛣Ẹປാ⪅㸦Overseas Filipinos Workers㸧ಖ㝤ࡀᣲࡆࡽࢀࡿࠋྠಖ㝤ࡣࠊᅜእ࡛ാࡃࣇ࢕ࣜ
ࣆࣥᅜẸࡢṚஸ࣭ᚋ㑇㞀ᐖࠊᩆ᥼⪅㈝⏝ࠊ⿢ุ㈝⏝࡞࡝ࢆ⿵ൾࡍࡿᙉไಖ㝤54࡛࠶ࡿࠋ✀┠ู๭ྜࡢࠕࡑࡢ௚ࠖ࡟ࡣࠊയᐖಖ㝤ࠊ㈺ൾ㈐௵ಖ㝤࡞࡝ࡀྵࡲࢀࡿࡀࠊ18.6㸣ࢆᵓᡂࡍࡿ࠺ࡕࡢ⣙ 7㸣ࡣ࣐࢖ࢡࣟಖ㝤ࡀ༨ࡵ࡚࠸ࡿࠋ
᭱኱ࡢࢩ࢙࢔ࢆ᭷ࡍࡿ㈍኎ࢳࣕࢿ࡛ࣝ࠶ࡿಖ㝤ࣈ࣮࣮ࣟ࢝ࡣࠊ௻ᴗྥࡅಖ㝤ࡢ⣙50㸣ࢆᢅࡗ࡚࠸ࡿ࡜ࡉࢀ࡚࠸ࡿࠋ
ࣇ࢕ࣜࣆ࡛ࣥࡣࠊ
2000 ᖺ࡟㟁Ꮚၟྲྀᘬἲࡀไᐃࡉࢀࠊ
㟁Ꮚ⨫ྡ࠾ࡼࡧ㟁Ꮚࢹ࣮ࢱ࡟ࡼࡿドᣐࡶࡍ࡛࡟ㄆࡵࡽࢀ࡚࠾ࡾࠊ2000 ᖺᙜ᫬ࡣ 2.6㸣ࡔࡗࡓ࢖ࣥࢱ࣮ࢿࢵࢺᬑཬ⋡ࡶ 2019 ᖺ࡟ࡣ⣙ 62㸣ࡲ࡛ୖ᪼ࡋࡓ࡜ࡉࢀ࡚࠸ࡿࡀࠊ࢖
ࣥࢱ࣮ࢿࢵࢺࡢ㈍኎ࢳࣕࢿࣝ࡜ࡋ࡚ࡢ๭ྜࡣࡲࡔప࠸ࠋࣇ࢕ࣜࣆࣥࡢ࡯࡜ࢇ࡝ࡢಖ㝤఍♫ࡀ࢙࢘ࣈࢧ࢖ࢺࢆ㛤タࡋ࡚࠸ࡿࡀࠊࡑࢀࡽࡣᖖ࡟᭱᪂ࡢ≧ែ࡟ಖࡓࢀ࡚࠸ࡿࢃࡅ
࡛ࡣ࡞ࡃࠊࡲࡓ㢳ᐈ࡜཮᪉ྥࡢࡸࡾྲྀࡾࢆࡍࡿࢶ࣮ࣝ࡜ࡋ࡚タィࡉࢀ࡚࠸࡞࠸ࡇ࡜ࡀ
ᬑཬࢆ㜼ࡴཎᅉࡔ࡜ࡉࢀ࡚࠸ࡿࠋ࡞࠾ࠊࣂࣥ࢝ࢩࣗ࢔ࣛࣥࢫࡣ 2002 ᖺ 1 ᭶࡟ᢎㄆࡉࢀ
࡚࠾ࡾࠊ⌧ᅾ࡛ࡣ㖟⾜࡟ࡼࡿಖ㝤఍♫ࡢᡤ᭷ࡲࡓࡣಖ㝤఍♫࡟ࡼࡿ㖟⾜ࡢᡤ᭷࡟㛵ࡍࡿつไࡣ࡞࠸ࠋ

2021 ᖺ 5 ᭶ᮎࡢⅭ࣮᭰ࣞࢺ࡛࠶ࡿ 1 㺫㺽㺝㸻2.31 ෇࡛᥮⟬ࡋ࡚࠸ࡿࠋ௨ୗྠᵝ࡜ࡍࡿࠋ2015 ᖺ࡟ಖ㝤ᗇ࡟ࡼࡾ 9 ൨㺫㺽㺝㸦⣙ 21 ൨෇㸧࠿ࡽᘬࡁୖࡆࡽࢀࡓࠋ2020 ᖺ 1 ᭶࡟ࡣ᭱ప㈨ᮏせ௳ࢆ⌧⾜ࡢࡲࡲ࡜ࡍࡿࡇ࡜ࢆከࡃࡢಖ㝤఍♫ࡀせㄳࡋࡓࡀࠊಖ㝤ᗇࡣྠᖺ 10 ᭶ࠊࡇࡢせㄳࢆ㏥ࡅࡓࠋ
54 ᅜእ࡛ᚓࡓ㈤㔠ࢆࣇ࢕ࣜࣆ࡛ࣥᬽࡽࡍᐙ᪘ࢆ㣴࠺ࡓࡵ࡟㏦㔠ࡋ࡚࠸ࡿ⛣Ẹປാ⪅ࡣࠊᅜࡢⓎᒎ࡟ᐤ୚ࡋ
࡚࠾ࡾ㐺ษ࡟ಖㆤࡉࢀࡿ࡭ࡁࡔ࡜ࡉࢀࠊ1995 ᖺ࡟ไᐃࡉࢀࡓ⛣Ẹປാ⪅࠾ࡼࡧᅾእࣇ࢕ࣜࣆࣥேἲ
㸦Migrant Workers and Overseas Filipinos Act of 1995㸧࡟ࡼࡾຍධࡀ⩏ົ௜ࡅࡽࢀࡓࠋྠಖ㝤࡟ࡣࠊࣇ࢕ࣜࣆࣥᅜẸࡢᅜእ࡛ࡢ௙஦ࢆ᩷᪕ࡍࡿ௦⌮ᗑࡀዎ⣙⪅࡜࡞ࡾࠊ⛣Ẹປാ⪅ࢆ⿕ಖ㝤⪅࡜ࡋ࡚ຍධࡍࡿࠋ
௦⌮ᗑࡣ⌧㔠࡛ಖ㝤఍♫࡟ಖ㝤ᩱࢆᨭᡶ࠺⩏ົࡀ࠶ࡾࠊࡲࡓ⛣Ẹປാ⪅ࡣࠊ⮬Ⓨⓗ࡟ᅜእ࡛ࡢ㞠⏝ࢆ⤊஢ࡋࣇ࢕ࣜࣆࣥ࡟ᖐᅜࡋࡓሙྜࠊᮍ⤒㐣ศࡢಖ㝤ᩱࢆ௦⌮ᗑ࡟ᨭᡶ࠺⩏ົࢆ㈇࠺ࠋ
52
53

損保総研レポート第135号 2021.6- 24 ― 24 ―ᅗ⾲ 11 ࣇ࢕ࣜࣆࣥࡢ཰ධಖ㝤ᩱࡢ✀┠ู๭ྜ࡜㈍኎ࢳࣕࢿูࣝ๭ྜ
✀┠ู๭ྜ㸦2020 ᖺ㸧
ࡑࡢ௚
18.6%

㈍኎ࢳࣕࢿูࣝ๭ྜ

⮬ື㌴
34.7%

⛣Ẹປാ⪅
4.3%
ಖド࣭ಙ⏝
4.5%
⯪⯧࣭㈌≀
6.9%

㈈⏘
31.0%

ࢳࣕࢿࣝ

2019 ᖺ

ࢲ࢖ࣞࢡࢺ

16.0㸣ಖ㝤ࣈ࣮࣮ࣟ࢝

46.0㸣

௦⌮ᗑ

29.0㸣

ࣂࣥ࢝
ࢩࣗ࢔ࣛࣥࢫ

8.0㸣

࢖ࣥࢱ࣮ࢿࢵࢺ

1.0㸣

ࡑࡢ௚

-

㸦ฟ඾㸸Insurance Commission ࢙࢘ࣈࢧ࢖ࢺࠊAXCO, “Non-Life Insurance Market Report:
Philippines”㸦2021.4㸧ࢆࡶ࡜࡟సᡂ㸧㸬᪂ᆺࢥࣟࢼ࢘࢖ࣝࢫឤᰁ⑕ᣑ኱ࡢᙳ㡪࡜ᦆᐖಖ㝤ᴗ⏺ࡢᑐᛂb㸬ࣇ࢕ࣜࣆࣥࡣ ASEAN ㅖᅜࡢ୰࡛ࠊ᪂ᆺࢥࣟࢼ࢘࢖ࣝࢫឤᰁ⑕࡟ࡼࡿᙳ㡪ࢆ᭱ࡶཷࡅࡓᅜ࡛࠶ࡿࠋ2021 ᖺ 5 ᭶ 21 ᪥⌧ᅾࠊࣇ࢕ࣜࣆࣥࡢ᪂ᆺࢥࣟࢼ࢘࢖ࣝࢫ࡬ࡢឤᰁ⪅ᩘࡣ⣼ィ࡛ 117 ୓ 1,403 ேࠊ4 ᭶ 20 ᪥ࡢ 95 ୓ 3,106 ே࠿ࡽ 21 ୓ 8,297 ேࡢቑຍ࡜࡞
ࡗ࡚࠸ࡿࠋ᪂つឤᰁ⪅ᩘࡶ 5,000 ேࢆ㉸࠼ࡿ᪥ࡀከࡃࠊ࣡ࢡࢳࣥ᥋✀ࡢ᪩ᮇ㛤ጞࡀᮃࡲࢀ࡚࠸ࡿ㸦2021 ᖺ 6 ᭶࠿ࡽ㛤ጞࡉࢀࡿணᐃ㸧ࠋ
2020 ᖺࡢᦆᐖಖ㝤ࡢ⥲཰ධಖ㝤ᩱࡣࠊྠឤᰁ⑕ᣑ኱ࡢᙳ㡪ࢆཷࡅࠊ๓ᖺ࠿ࡽ 9.37㸣
ῶᑡࡋ 838 ൨㺫㺽㺝㸦⣙ 1,936 ൨෇㸧࡜࡞ࡗࡓ55ࠋࣟࢵࢡࢲ࢘ࣥࡢᐇ᪋ᚋࡓࡔࡕ࡟ᅾᏯ໅
ົࡢࡓࡵࡢ࢖ࣥࣇࣛࡀᩚ࠼ࡽࢀࡎࠊᴗົ㐠Ⴀ࡟ⴭࡋࡃᨭ㞀ࢆࡁࡓࡋࡓᦆᐖಖ㝤఍♫࡟ࡼࡿᙜᒁ࡬ࡢ㈈ົሗ࿌ࡢ㐜ᘏࡶࠊ཰ධಖ㝤ᩱῶᑡࡢཎᅉ࡜ࡋ࡚ᣲࡆࡽࢀ࡚࠸ࡿࠋ
ࣃࣥࢹ࣑ࢵࢡⓎ⏕ᚋࡢᑐᛂ࡜ࡋ࡚ࡣࠊ㤳㒔࣐ࢽࣛ࡟ࣟࢵࢡࢲ࢘ࣥᥐ⨨ࡀᩜ࠿ࢀࡓ
2020 ᖺ 3 ᭶ 20 ᪥┤ᚋࡢ 26 ᪥ࠊಖ㝤ᗇࡣࡍ࡭࡚ࡢ⏕࿨࣭ᦆᐖಖ㝤఍♫࠾ࡼࡧඹ῭⤌ྜ࡟ᑐࡋࠊࣟࢵࢡࢲ࢘ࣥᮇ㛫୰࡟᭦ᨵࢆ㏄࠼ࡿዎ⣙ࡢಖ㝤ᮇ㛫ࢆྠ᮲௳࡛ᑡ࡞ࡃ࡜ࡶ 30᪥㛫㸦ࣟࢵࢡࢲ࢘ࣥࡀ 30 ᪥㛫ࡼࡾ㛗ࡅࢀࡤࣟࢵࢡࢲ࢘ࣥࡢᮇ㛫㸧ᘏ㛗ࡍࡿࡼ࠺㏻▱ࢆฟࡋࡓࠋࡉࡽ࡟ྠᖺ 4 ᭶ 7 ᪥࡟ࡣࠊᦆᐖಖ㝤఍♫ྥࡅ࡟ࣟࢵࢡࢲ࢘ࣥᮇ㛫୰ࡢເ㞟᪉ἲ࡟ࡘ࠸࡚ࡢ࢞࢖ࢻࣛ࢖ࣥࢆⓎฟࡋࡓࠋྠ࢞࢖ࢻࣛ࢖࡛ࣥࡣࠊᦆᐖಖ㝤఍♫ࡀ௦⾲ྲྀ⥾ᙺࡲࡓࡣṇᘧ࡞ᶒ㝈ࢆᣢࡘ௦⾲⪅ࡢࢧ࢖ࣥධࡾࣞࢱ࣮ 56ࢆಖ㝤ᗇ࡟ᒆࡅฟࡿࡇ࡜࡟ࡼ
ࡾࠊࣅࢹ࢜఍㆟ࢶ࣮ࣝ࡞࡝࡟ࡼࡿ㠀ᑐ㠃࡛ࡢಖ㝤㈍኎ࢆㄆࡵ࡚࠸ࡿࠋᦆᐖಖ㝤఍♫ಶู
55 ಖ㝤ᗇࡢ࢙࢘ࣈࢧ࢖ࢺ࡟ࡼࡿ㸦Insurance Commissions: Statistical Report, “Insurance Industry
Performance as of the Quarter Ending December 31”㸧ࠋ
56 ಖ㝤㈍኎࡟౑⏝ࡍࡿࢶ࣮ࣝࠊ௦⌮ᗑ࣭ಖ㝤ࣈ࣮࣮ࣟ࢝ྡ࡜ࡑࡢάືᆅᇦࠊ㈍኎ࡍࡿಖ㝤ၟရࡍ࡭࡚࡜㠀ᑐ㠃ࡢಖ㝤㈍኎ࢆ⾜࠺ᮇ㛫ࢆ᫂グࡍࡿᚲせࡀ࠶ࡿࠋ- 25 ― 25 ―

損保総研レポート第135号 2021.6

ࡢࣃࣥࢹ࣑ࢵࢡ࡟ᑐࡍࡿᑐᛂ࡜ࡋ࡚ࡣࠊSGI ᦆᐖಖ㝤ࡀᐇ᪋ࡋࡓ⮬♫ࡢ௦⌮ᗑ࠾ࡼࡧ௦⌮ᗑᚑᴗဨ࡟ᑐࡍࡿ⤒῭ᨭ᥼ࡀᣲࡆࡽࢀࡿࠋྠ♫ࡣࠊᖺ཰ࡀ 60 ୓㺫㺽㺝㸦⣙ 139 ୓෇㸧௨ୗ࡛ 2020 ᖺ 4 ᭶ 1 ᪥࠿ࡽ 30 ᪥ࡢ㛫࡟᪂ᆺࢥࣟࢼ࢘࢖ࣝࢫឤᰁ⑕࡟ࡼࡾᮏேࡀṚஸࡋࡓ௦⌮ᗑࡲࡓࡣ௦⌮ᗑᚑᴗဨ࡟ᑐࡋࠊ2 ୓ 5,000 㺫㺽㺝㸦⣙ 5 ୓ 7,000 ෇㸧ࡢ⌧㔠ࢆᨭ⤥ࡋࡓࠋಖ㝤ᗇࡣࠊࡇࡢᨭ᥼ࢆ⛠㈶ࡋᨭᣢࡍࡿ᪨ࡢ㏻▱ࢆࠊ඲ಖ㝤఍♫࡟ྥࡅ࡚Ⓨಙࡋ࡚࠸ࡿࠋ࡞࠾ࠊ2021 ᖺ 5 ᭶ 28 ᪥᫬Ⅼ࡛ࡢࣇ࢕ࣜࣆࣥࡢಖ㝤఍♫ࡀ 2020 ᖺ࡟ᨭᡶࡗࡓ᪂ᆺࢥ
ࣟࢼ࢘࢖ࣝࢫឤᰁ⑕࡟ಀࡿಖ㝤㔠ࡣࠊ⥲㢠 19 ൨ 7,500 ୓㺫㺽㺝㸦⣙ 45 ൨ 6,000 ୓෇㸧࡜࡞ࡾࠊࡑࡢෆヂࡣࠊ⏕࿨ಖ㝤఍♫ࡀ 14 ൨ 6,000 ୓㺫㺽㺝㸦⣙ 33 ൨ 7,000 ୓෇㸧ࠊඹ῭⤌
ྜࡀ 3 ൨ 5,500 ୓㺫㺽㺝㸦⣙ 8 ൨ 2,000 ୓෇㸧ࠊᦆᐖಖ㝤఍♫ࡀ 1 ൨ 6,200 ୓㺫㺽㺝㸦⣙ 3 ൨
7,000 ୓෇㸧࡛࠶ࡗࡓ࡜ሗࡌࡽࢀ࡚࠸ࡿ57ࠋc㸬㸬ࢹࢪࢱࣝ໬࡬ࡢᑐᛂ
᪂ᆺࢥࣟࢼ࢘࢖ࣝࢫឤᰁ⑕࡟ࡼࡿࣃࣥࢹ࣑ࢵࢡࡣࠊࣇ࢕ࣜࣆࣥ࡟࠾ࡅࡿಖ㝤࡟ࡼࡿಖㆤ᱁ᕪࢆᾋࡁ᙮ࡾ࡟ࡋࡓࡢ࡜ྠ᫬࡟ࠊࣇ࢕ࣜࣆࣥᅜẸࡀಖ㝤ࡢ㔜せᛶ࡟ࡘ࠸࡚ㄆ㆑
ࡍࡿࡁࡗ࠿ࡅࡶᥦ౪ࡋࡓࠋᐇ㝿࡟ࠊ࣐ࢽࣗࣛ࢖ࣇ⏕࿨ಖ㝤ࡀ 2020 ᖺ 5 ᭶࡟ᐇ᪋ࡋࡓࣇ
࢕ࣜࣆࣥᅜẸ 300 ேࢆᑐ㇟࡜ࡋࡓㄪᰝ࡛ࡣࠊ࠾ࡼࡑ 77㸣ࡀ௒ᚋ 18 ࢝᭶௨ෆ࡟ಖ㝤ࢆ
㏣ຍ࡛㉎ධࡋࡓ࠸࡜ᅇ⟅ࡋ࡚࠸ࡿࠋࡇࡢࠊಖ㝤࡟ᑐࡍࡿ㟂せࡢቑຍ࡜ࢹࢪࢱࣝ໬ࡢἼ࡟
஌ࡗࡓ࢖ࣥࢩࣗ࢔ࢸࢵࢡ௻ᴗ࡟ࡼࡾࠊᡭ㡭࡞౯᱁ࡢ࣐࢖ࢡࣟಖ㝤ࡀࡉࡽ࡟ὀ┠ࡉࢀ࡚
࠸ࡿ58ࠋ
2020 ᖺ 8 ᭶࡟ࡣࠊࢩ࣏࣮ࣥ࢞ࣝࢆᣐⅬ࡜ࡍࡿಖ㝤఍♫ࡢ Igroo59ࡀࠊࣇ࢕ࣜࣆࣥࡢࣘ
ࢽ࢜ࣥ㖟⾜࠾ࡼࡧ࢖ࣥࢻࢿࢩ࢔ࡢࢫࢱ࣮ࢺ࢔ࢵࣉ௻ᴗ࡛࠶ࡿ Akalaku ࡜ᥦᦠࡋࠊపᡤ
ᚓ⪅ྥࡅࡢ࣐࢖ࢡࣟയᐖಖ㝤ࡢ㈍኎ࢆ㛤ጞࡋࡓࠋ࣐࢖ࢡࣟಖ㝤ࡣ཰ධಖ㝤ᩱࡢ㠃࡛ࡣ኱ᖜ࡞ቑຍ࡟┤⤖ࡋ࡞࠸ࡀࠊࣇ࢕ࣜࣆ࡛ࣥࡣ 2020 ᖺ 12 ᭶ 31 ᪥᫬Ⅼ࡛ 5,000 ୓ேࡀ࣐࢖ࢡࣟಖ㝤࡟ຍධࡋ࡚࠾ࡾࠊࡇࡢᩘࡣ඲ேཱྀࡢ⣙༙ᩘ࡟ᙜࡓࡿ60ࠋࣇ࢕ࣜࣆ࡛࣐ࣥ࢖
ࢡࣟಖ㝤ࢆᥦ౪ࡋ࡚࠸ࡿಖ㝤఍♫➼ࡣྠ᫬Ⅼ࡛ 44 Ꮡᅾࡋࠊࡑࡢ࠺ࡕᦆᐖಖ㝤఍♫ࡣ 11♫ࠊ⏕࿨ಖ㝤఍♫ࡀ 10 ♫ࠊṧࡾࡀඹ῭⤌ྜ࡜࡞ࡗ࡚࠸ࡿࠋᕷሙࢩ࢙࢔ࡣඹ῭⤌ྜࡀ
57.5㸣ࢆ༨ࡵࠊḟ࠸࡛⏕࿨ಖ㝤఍♫ࡀ 29.2㸣ࠊṧࡾ 13.3㸣ࡀᦆᐖಖ㝤఍♫ࡢࢩ࢙࢔࡜
ࡉࢀ࡚࠸ࡿࠋᨻᗓࡢ┠ᶆࢆୖᅇࡿ࣐࢖ࢡࣟಖ㝤ࡢᬑཬ࡟ࡣࠊಖ㝤ᗇࡀ 2020 ᖺ 6 ᭶࡟᪋

Asia Insurance Review ࡟ࡼࡿࠋ᪂ᆺࢥࣟࢼ࢘࢖ࣝࢫឤᰁ⑕ࡀࣇ࢕ࣜࣆࣥࡢಖ㝤ᴗ⏺ࡢ㈈ົ≧ἣ࡟୚࠼ࡿᙳ㡪ࢆ☜ㄆࡍࡿࡓࡵ࡟ࠊಖ㝤ᗇࡀᐇ᪋ࡋࡓ 3 ᅇࡢㄪᰝ࡟ࡼࡾุ᫂ࡋࡓᩘ್࡛࠶ࡿࠋ
58 Oxford Business Group, “Will Covid-19 boost private insurance in the Philippines?”㸦2020.9㸧
59 AI ࡜ࣅࢵࢢࢹ࣮ࢱࢆ฼⏝ࡋࡓ࢖ࣥࢩࣗ࢔ࢸࢵࢡࣉࣛࢵࢺࣇ࢛࣮࣒࡟ࡼࡾࠊಶேྥࡅࡢ᪑⾜ಖ㝤ࠊയᐖಖ㝤ࠊ་⒪ಖ㝤࡞࡝ࢆᥦ౪ࡋ࡚࠸ࡿࠋ㢳ᐈࡣ Igroo ࡢ࢔ࣉࣜࢆࢫ࣐࣮ࢺࣇ࢛ࣥ࡟࢖ࣥࢫࢺ࣮ࣝࡋಖ㝤ࢆ㉎ධࡍࡿࠋࡲࡓࠊಖ㝤㔠ㄳồࡶྠ࢔ࣉࣜࢆ౑⏝ࡋ࡚⾜࠺ࠋ60 ᨻᗓࡣ 2020 ᖺ࡟ࠊ2022 ᖺࡲ࡛࡟⣙ 5,000 ୓ேࡢᅜẸࢆ࣐࢖ࢡࣟಖ㝤࡛࢝ࣂ࣮ࡍࡿ࡜࠸࠺┠ᶆࢆ❧࡚ࡓࡀࠊ2 ᖺ᪩ࡃ㐩ᡂࡉࢀࡓ࡜ࡋ࡚࠸ࡿ㸦Asia Insurance Review, “Philippines: Govt Likely to have met
microinsurance target 2years ahead of schedule”㸦2021.5㸧
㸧
57

損保総研レポート第135号 2021.6- 26 ― 26 ―⾜ࡋࡓࠊ࢖ࣥࢩࣗ࢔ࢸࢵࢡࢆᑐ㇟࡜ࡋࡓつไࢧࣥࢻ࣎ࢵࢡࢫไᗘ61ࡶ㈉⊩ࡋ࡚࠸ࡿ࡜ぢࡽࢀ࡚࠸ࡿࠋISJ ཧຍ⪅ࡢࢥ࣓ࣥࢺࢆ⤂௓ࡍࡿ࡜ࠊISJ ཧຍ⪅ࡀᡤᒓࡍࡿᦆᐖಖ㝤఍♫ࢆྵࡵࠊ࡯
࡜ࢇ࡝ࡍ࡭࡚ࡢ⏕࿨࣭ᦆᐖಖ㝤఍♫ࠊ࠾ࡼࡧඹ῭⤌ྜ࡟࠾࠸࡚ࠊ᪂ᆺࢥࣟࢼ࢘࢖ࣝࢫឤ
ᰁ⑕ᣑ኱ࢆᶵ࡟ᛴ㏿࡞ࢹࢪࢱࣝ໬ࡀ㐍ࢇ࡛࠸ࡿ࡜࠸࠺ࠋከࡃࡢᦆᐖಖ㝤఍♫ࡀ≉࡟ὀຊࡋ࡚࠸ࡿࢹࢪࢱࣝ໬ࡣࠊಖ㝤ຍධ࣭ಖ㝤㔠ㄳồࢆࢫ࣐࣮ࢺࣇ࢛ࣥୖ࡛⾜࠼ࡿ⊂⮬ࡢ࢔ࣉࣜࡸࠊ⮬♫ࡢ࢙࢘ࣈࢧ࢖ࢺࢆ௓ࡋࡓ࢜ࣥࣛ࢖ࣥ㈍኎࠾ࡼࡧ௦⌮ᗑࡀ࢜ࣥࣛ࢖࡛ࣥಖ
㝤ࢆ㈍኎ࡍࡿࡇ࡜ࡀ࡛ࡁࡿࣔࣂ࢖࣏࣮ࣝࢱࣝࡢ㛤Ⓨ࣭ᬑཬಁ㐍࡛࠶ࡾࠊࡇࢀࡽ࡟ࡼࡾ㈍኎ࢳࣕࢿࣝࡢከᵝ໬ࢆ┠ᣦࡋ࡚࠸ࡿ࡜࠸࠺ࠋࢹࢪࢱࣝ໬ࢆ㐍ࡵࡿ࠺࠼࡛ࡢㄢ㢟࡜ࡋ࡚ࡣࠊࡲࡔࡲࡔ᪂ᢏ⾡࡟័ࢀ࡚࠸࡞࠸ᾘ㈝⪅ࡸ㧗㱋ࡢ௦⌮ᗑࡀከ࠸࡜࠸ࡗࡓࡇ࡜࡟ຍ࠼ࠊ
ಖ㝤఍♫ࡀࢹࢪࢱࣝ໬࡟㈝ࡸࡍ㈨㔠㠃࡟࠾࠸࡚ࡢไ⣙ࡀ኱ࡁ࠸࡜ࡢࡇ࡜࡛࠶ࡿࠋ

㸲㸬࠾ࢃࡾ࡟
ࢪࣗࢿ࣮ࣈ༠఍ࡣ࣏࣮ࣞࢺ62ࡢ୰࡛ࠊࠕࢹࢪࢱࣝ໬ࠖ࡜ࡣࠊ㢳ᐈ࡜ࡢ㛵ࢃࡾ᪉ࠊࢹ࣮ࢱ
ࡢ฼⏝ࠊ࠾ࡼࡧࣅࢪࢿࢫࣉࣟࢭࢫࢆྥୖࡉࡏࡿࡓࡵࡢ᪂ᢏ⾡ࡢά⏝࡟ࡼࡿࢹࢪࢱࣝ࡜࢔
ࢼࣟࢢࡢ⼥ྜ࡜ᐃ⩏ࡋ࡚࠾ࡾࠊᦆᐖಖ㝤఍♫࡟࠾࠸࡚ࡣࠊᅗ⾲ 11 ࡟♧ࡍྛࣂ࣮ࣜࣗࢳ࢙
࣮ࣥ࡟࠾ࡅࡿࣉࣟࢭࢫࢆࡍ࡭࡚㟁Ꮚⓗ࡟᏶஢ࡍࡿࡇ࡜ࡀ㔜せ࡜ࡉࢀ࡚࠸ࡿ63ࠋᮏ✏࡛⤂௓ࡋ࡚ࡁࡓ࡜࠾ࡾࠊASEAN ୺せᅜࡢᦆᐖಖ㝤ᴗ⏺ࡣࠊ┘╩ᙜᒁࠊࡲࡓ⏕࿨ಖ㝤༠఍ࠊ෌ಖ㝤༠఍࡞࡝࡜༠ຊࡋྜ࠸ࠊ᪂ᆺࢥࣟࢼ࢘࢖ࣝࢫឤᰁ⑕ᣑ኱ࡢᙳ㡪࡟ᑐࡋ㎿㏿࡟ᑐᛂࡋࠊࡑࡢ୍⎔࡜ࡋ࡚ࢹࢪࢱࣝ໬ࡢὶࢀࡶຍ㏿ࡉࡏ࡚ࡁࡓࠋISJ ཧຍ⪅ࡢࢥ࣓ࣥࢺ࠿ࡽࡣࠊከࡃࡢಖ㝤఍♫ࡀࠊࢳࣕࢵࢺ࣎ࢵࢺࡸ AI ࢆ฼⏝ࡋࡓ⮬ື㈍኎ࡸ⮬ືಖ㝤㔠ㄳồฎ⌮ࢩࢫࢸ࣒࡜࠸ࡗࡓࠊᅗ⾲ 11 ࡟♧ࡍࠕᐇ⾜ྍ⬟࡞ࢹࢪࢱࣝ໬ࠖࢆࠊࡍ࡛࡟᭷⏝࡞ᢏ⾡࡜ࡋ࡚ά⏝ࡋ࡚࠸ࡿࡇ࡜ࡶࢃ࠿ࡗࡓࠋࡇࡢࢹࢪࢱࣝ໬ಁ㐍࡟ࡣࠊྠឤᰁ⑕ᑐ⟇࡜ࡋ࡚ࡢ୍᫬ⓗ࡞つไ⦆࿴ࡶ㏣࠸㢼࡟࡞ࡗ࡚࠸ࡿࡀࠊྛᦆᐖಖ㝤఍♫࠾ࡼࡧࡑࢀࡒࢀࡢᚑᴗ
ဨࡢࠊࢹࢪࢱ࢚ࣝࢥࢩࢫࢸ࣒࡟ᑐࡍࡿព㆑ࡢ㧗ࡉࡶ㈉⊩ࡋ࡚࠸ࡿ࡜⪃࠼ࡿࠋᅜẸ 1 ேࡀಖ㝤࡟㈝ࡸࡍ㔠㢠ࡸಖ㝤ᾐ㏱⋡࡜࠸ࡗࡓഃ㠃࠿ࡽぢࡿ࡜ࠊ๓グ 2.ࡢ࡜࠾ࡾࠊ
ASEAN ྛᅜࡢᩘ್ࡣୡ⏺ᖹᆒ࡜ẚ㍑ࡋ࡚☜࠿࡟ప࠸ࠋࡋ࠿ࡋࡑࢀࡣࠊᮍ㛤ᣅࡢᕧ኱࡞
ಖ㝤ᕷሙ࡟࡞ࡾ࠺ࡿ࡜࠸࠺ྍ⬟ᛶ࡛ࡶ࠶ࡾࠊࡑࡢྍ⬟ᛶࢆᚋᢲࡋࡍࡿ࡜⪃࠼ࡽࢀࡿࠊே
ཱྀቑຍࡸࢹࢪࢱࣝ࡟ᙉ࠸࡜ࡉࢀࡿⱝᖺᒙࡀከ࠸࡜࠸ࡗࡓせᅉࡶᏑᅾࡍࡿࠋ
ࢫ࢖ࢫ෌ಖ㝤ࡢ࣏࣮ࣞࢺ࡟ࡼࡿ࡜ࠊASEAN ࡢ⣙ 4 ൨ே࡜ࡉࢀࡿᡂேࡢ࠺ࡕࠊ㖟⾜ཱྀ
61⏕࿨࣭ᦆᐖಖ㝤఍♫ࠊඹ῭⤌ྜࠊ࠾ࡼࡧಖ㝤ᗇ࡟ࡼࡾㄆྍࡉࢀࡓ௰௓஦ᴗ⪅ࡸ࢔ࢢࣜࢤ࣮ࢱ࣮ࡶࠊࢧࣥ
ࢻ࣎ࢵࢡࢫࢆ฼⏝࡛ࡁࡿᑐ㇟࡜ࡉࢀ࡚࠸ࡿࠋ᪋⾜ᮇ㛫ࡣ᭱኱ 1 ᖺ㛫࡜ࡉࢀ࡚࠾ࡾࠊሙྜ࡟ࡼࡗ࡚ࡣ 6 ࢝᭶ᮍ‶ࡢᘏ㛗ࡶㄆࡵࡽࢀࡿࠋ⏦ㄳࡀㄆࡵࡽࢀࢧࣥࢻ࣎ࢵࢡࢫࢆᐇ㝿࡟฼⏝ࡋࡓሙྜࡣࠊẖ᭶ࡢ㐍ᤖ≧ἣ࠾ࡼࡧ᪋⾜᏶஢ࡢಖ㝤ᗇ࡬ࡢሗ࿌ࡀồࡵࡽࢀ࡚࠸ࡿࠋ
62 Geneva Association, “Regulatory Considerations for Digital Insurance Business Models”㸦2021.3㸧
63 ࢃࡀᅜ࡟ࡘ࠸࡚ࡣࠊ᭩㠃࡟ࡼࡿᩥ᭩㓄ᕸ㸦ドๆ࡞࡝㸧ࡸ⨫ྡ࡟㛵ࡍࡿつไࠊࡲࡓຍධࡢ㝿࡟஦๓೺ᗣデ᩿ࢆᚲせ࡜ࡍࡿつไ࡞࡝ࡀࠊࢹࢪࢱࣝ໬ࢆ㜼ࡴせᅉ࡜ࡋ࡚⤂௓ࡉࢀ࡚࠸ࡿࠋ

- 27 ― 27 ―

損保総研レポート第135号 2021.6

ᗙ࡜࡜ࡶ࡟ࢡࣞࢪࢵࢺ࣮࢝ࢻࢆᡤ᭷ࡋಖ㝤ࡢ㉎ධࡸᢞ㈨࡞࡝ࡶ⾜࠼ࡿேཱྀࡣ 26㸣ࡢࡳ࡛࠶ࡾࠊ25㸣ࡣ㖟⾜ཱྀᗙࢆᡤ᭷ࡋ࡚ࡣ࠸ࡿࡀࢡࣞࢪࢵࢺ࣮࢝ࢻࡣᡤ᭷ࡋ࡚࠾ࡽࡎࠊṧࡾ
ࡢ 49㸣ࡣ㖟⾜ཱྀᗙࡍࡽᡤ᭷ࡋ࡚࠸࡞࠸࡜ࡉࢀ࡚࠸ࡿࠋྠ࣏࣮ࣞࢺࡣࠊࢹࢪࢱࣝ໬࡜ࡣࠊ
ࢫ࣐࣮ࢺࣇ࢛ࣥࢆ฼⏝ࡋࡓỴ῭ࢩࢫࢸ࣒ࢆ౑⏝ࡍࡿࡇ࡜࡟ࡼࡾࠊࡇࡢ 49㸣ࡢேࠎࡀಖ㝤
ࡸᢞ㈨࡟㖟⾜ཱྀᗙࢆᣢࡓࡎࡋ࡚࢔ࢡࢭࢫ࡛ࡁࡿࡇ࡜ࢆព࿡ࡍࡿ࡜ࡋ࡚࠸ࡿࠋࡲࡓࠊ࢖ࣥ
ࢩࣗ࢔ࢸࢵࢡࢆά⏝ࡋࡓ࣐࢖ࢡࣟಖ㝤ࡢࡉࡽ࡞ࡿᬑཬࡶࠊಖ㝤࡟ࡼࡿಖㆤ᱁ᕪࡢၥ㢟ࡢᨵၿ࡟ࠊከᑡ࡞ࡾ࡜ࡶ㈉⊩ࡍࡿࡇ࡜ࡀ⪃࠼ࡽࢀࡿࠋྠ࣏࣮ࣞࢺ࡛ࡣࡲࡓࠊࢹࢪࢱࣝ໬ࡣ㔜せ࡛ࡣ࠶ࡿࡀࠊಖ㝤ၟရࢆࢹࢪࢱࣝࢶ࣮ࣝࡢࡳ࡛ᥦ౪ࡍࡿࡇ࡜࡟ࡣࡲࡔࡲࡔ㝈⏺ࡀ࠶ࡿ࡜ࡋ࡚࠸ࡿࠋ௦⌮ᗑࡸࣈ࣮࣮ࣟ࢝࡜࠸ࡗࡓ࢜ࣇࣛ࢖ࣥࢳࣕࢿࣝࢆ㏻ࡌ࡚ࡢ㉎ධࢆዲࡴ㢳ᐈᒙࡶከ࠸ࡇ࡜࠿ࡽࠊᦆᐖಖ㝤఍♫࡟ࡣ࠶ࡽࡺࡿ㢳ᐈᒙ࡟ᑐᛂ࡛ࡁࡿ࣒࢜ࢽࢳࣕࢿࣝ
࡟ࡼࡿ࢔ࣉ࣮ࣟࢳࡀồࡵࡽࢀ࡚࠸ࡿ࡜ࡉࢀ࡚࠸ࡿࠋࢃࡀᅜࡢᦆᐖಖ㝤఍♫࡟ࡶྠ➼ࡢࡇ࡜ࡀゝ࠼ࡼ࠺ࠋ
࡞࠾ࠊᮏ✏࡛⤂௓ࡋ࡚࠸ࡿ ISJ ཧຍ⪅ࡣࡳ࡞ᛌࡃᮏ✏ᇳ➹࡬ࡢ༠ຊࢆᢎㅙࡋࠊࡑࢀࡒ
ࢀࡀ⪃࠼ࡿࠊ࠶ࡿ࠸ࡣ⤒㦂ࡋࡓࣃࣥࢹ࣑ࢵࢡⓎ⏕ᚋ࠿ࡽࡢࢹࢪࢱࣝ໬࡟ࡘ࠸࡚ࠊࡍࡄ࡟
ࢥ࣓ࣥࢺࢆᐤࡏ࡚ࡃࢀࡓࠋࡇࡢሙࢆ೉ࡾ࡚ឤㅰࡢẼᣢࡕࢆఏ࠼ࡓ࠸ࠋࡲࡓࠊࡇࢀࡽࡢ༠
ຊࡣࠊ᪥ᮏᦆᐖಖ㝤༠఍ࡢ᪉ࠎ࠾ࡼࡧᙜ◊✲ᡤࡢ ISJ ࡟ᦠࢃࡿ࣓ࣥࣂ࣮ࡀࠊ࢔ࢪ࢔ㅖᅜ
࡜ࡢⰋዲ࡞㛵ಀ⥔ᣢࡢࡓࡵ࡟ࡇࢀࡲ࡛ᑾຊࡋ࡚ࡁࡓ㈷≀࡛ࡶ࠶ࡿ࡜⪃࠼࡚࠸ࡿࠋ
ᅗ⾲ 12 ᦆᐖಖ㝤఍♫ࡢྛࣂ࣮ࣜࣗࢳ࢙࣮ࣥ࡟࠾ࡅࡿࣉࣟࢭࢫ࡜ᐇ⾜ྍ⬟࡞ࢹࢪࢱࣝ໬
ࣂ࣮ࣜࣗࢳ࢙࣮ࣥ

࣐࣮ࢣࢸ࢕ࣥࢢ

ၟရ㛤Ⓨࣉࣟࢭࢫ‫ۑ‬ၟရ㛤Ⓨࡢࡓࡵࡢᕷሙ
࠾ࡼࡧᾘ㈝⪅ㄪᰝ‫ۑ‬㈍኎ᑐ㇟ࢢ࣮ࣝࣉࡢㄪᰝ
‫ۑ‬౯᱁タᐃ‫ۑ‬ᗈ࿌࣭㈍኎ᡓ␎ࡢ⟇ᐃ‫ۑ‬ᩱ⋡タᐃ㸦࢔ࢡࢳࣗ࢔࣮ࣜ㸧㈍኎

‫ۑ‬㢳ᐈ⋓ᚓ‫ۑ‬ၟရ㈍኎

ᘬཷ‫⏦ۑ‬㎸᭩ࡢྲྀࡾᢅ࠸
‫ࢡࢫࣜۑ‬ホ౯‫ۑ‬ዎ⣙ෆᐜࡢヲ⣽࡞ホ౯ࢧ࣮ࣅࢫ࣭⟶⌮‫ۑ‬㢳ᐈࡢࢽ࣮ࢬ࡬ࡢᑐᛂ
‫ۑ‬ዎ⣙⟶⌮ಖ㝤㔠ㄳồ‫ۑ‬ಖ㝤㔠ㄳồฎ⌮‫ۑ‬ಖ㝤㔠ブḭᑐᛂᐇ⾜ྍ⬟࡞ࢹࢪࢱࣝ໬
‫ࡾࡼۑ‬⣽ศ໬ࡉࢀࡓ㢳ᐈࢭࢢ࣓ࣥࢸ࣮ࢩࣙࣥࡢࡓ
ࡵࡢࣅࢵࢡࢹ࣮ࢱࡢά⏝‫ࡾࡼۑ‬Ὑ⦎ࡉࢀࡓࢡࣟࢫࢭࣝᶵ⬟‫ۑ‬ヲ⣽࡞ࣜࢫࢡ࣮࣋ࢫࡢ౯᱁タᐃ‫ࢫࣅ࣮ࢧࣥࣙࢩࣥ࣋ࣜࣉࢫࣟۑ‬‫ࠊࢺࢵ࣎ࢺࢵࣕࢳۑ‬AI ࢆ฼⏝ࡋࡓ⮬ື㈍኎
‫ۑ‬Zoom ࡞࡝ࡢࣅࢹ࢜఍㆟ࢶ࣮ࣝࢆ฼⏝ࡋࡓ㠀ᑐ㠃
࡛ࡢ㈍኎
‫ۑ‬᝟ሗࡀ඘ᐇࡋࡓ᪂ࡓ࡞㈍኎ࢳࣕࢿࣝ
‫ۑ‬㟁ᏊドๆࡢⓎ⾜‫ۑ‬AI ࡸ⏬ീฎ⌮ࢆ౑⏝ࡋࡓࡼࡾ㧗ᗘ࡞ࣜࢫࢡホ౯‫ࢡࢫࣜۑ‬ホ౯ࡢࡓࡵࡢࡼࡾከࡃࡢヲ⣽࡞ࢹ࣮ࢱ‫ۑ‬㢳ᐈࡢࣜࢫࢡ࡟ಀࡿࢹ࣮ࢱࢆ⏕ᡂࡍࡿࢸ࣐ࣞࢸ
࢕ࢡࢫࡢ㛤Ⓨ࣭฼⏝ಁ㐍‫ື⮬ۑ‬ᘬཷ࣭㟁Ꮚ⨫ྡ࣭⣙Ḱ࡟ࡼࡿࢹࢪࢱࣝዎ⣙‫ࢡࢫࣜۑ‬๐ῶ࠾ࡼࡧࣟࢫࣉࣜ࣋ࣥࢩࣙࣥࢧ࣮ࣅࢫ
‫ື⮬ۑ‬ᛂ⟅࡟ࡼࡿ㢳ᐈ࠿ࡽࡢၥྜࡏ࡟ᑐࡍࡿᑐᛂ
‫࢜ࢹࣅࡸࢺࢵࣕࢳࣈ࢖ࣛۑ‬఍㆟ࢶ࣮ࣝࢆ฼⏝ࡋࡓ㠀ᑐ㠃࡛ࡢࢧ࣮ࣅࢫࡢᥦ౪
‫ۑ‬AI ࢆ฼⏝ࡋࡓ⮬ືಖ㝤㔠ㄳồฎ⌮ࢩࢫࢸ࣒‫ࢆࢱ࣮ࢹࢢࢵࣅۑ‬฼⏝ࡋࡓブḭ๐ῶᶵ⬟ࡢᨵၿ

㸦ฟ඾㸸Geneva Association, “Regulatory Considerations for Digital Insurance Business Models”
㸦2021.3㸧ࢆࡶ࡜࡟సᡂ㸧

損保総研レポート第135号 2021.6- 28 ― 28 ―㸺ཧ⪃㈨ᩱ㸼࣭࢔ࢪ࢔኱ὒᕞᒁᆅᇦᨻ⟇ཧ஦ᐁᐊࠕ┠࡛ぢࡿ ASEAN 㸫ASEAN ⤒῭⤫ィᇶ♏㈨ᩱ㸫ࠖ㸦2020.8㸧࣭ᦆᐖಖ㝤஦ᴗ⥲ྜ◊✲ᡤࠕ࢔ࢪ࢔ㅖᅜ࡟࠾ࡅࡿᦆᐖಖ㝤ᕷሙ࣭ㅖไᗘࡢᴫせ࡟ࡘ࠸࡚ࠖ
㸦2013.9㸧࣭ᦆᐖಖ㝤஦ᴗ⥲ྜ◊✲ᡤࠕ࢔ࢪ࢔ㅖᅜ࡟࠾ࡅࡿᦆᐖಖ㝤ᕷሙ࣭ㅖไᗘࡢᴫせ࡟ࡘ࠸࡚㸦ࡑࡢ㸰㸧ࠖ
㸦2015.3㸧
࣭Adib Povera, “Perlindungan Tenang to offer affordable insurance, takaful schemes”㸦New Straits
Times, 2017.11㸧
࣭AM Best, “Best’s Market Segment Report: Malaysia Non-Life Insurers Maintain Underwriting
Discipline Amid Market Challenges”㸦2021.3㸧
࣭AM Best, “Best’s Market Segment Report: Market Segment Outlook: Indonesia Non-Life Insurance”
㸦2020.10㸧
࣭AM Best, “Best’s Market Segment Report: Market Segment Outlook: Philippines Non-Life
Insurance”㸦2021.3㸧
࣭AM Best, “Best’s Market Segment Report: Thailand Non-Life Insurers Show Resilience Yet
Challenge Remain”㸦2021.5㸧
࣭Anna Malindog-Uy, “’Build Build Build’ Program Amid a Pandemic”㸦The ASEAN Post, 2020.9㸧
࣭Anoop Khanna, “Thailand: Microinsurance plan for holiday season”㸦Asia Insurance Review,2020.12㸧࣭Asia Insurance Review, “Indonesia: AAUI says general insurers need to review business portfolios”
㸦2020.11㸧
࣭Asia Insurance Review, “Indonesia: General insurance agents lobby to represent more than 1
insurer”㸦2020.12㸧
࣭Asia Insurance Review, “Indonesia: General insurance business could plunge 30% this year in‘worst case’ scenario”㸦2020.7㸧
࣭Asia Insurance Review, “Indonesia: Govt to launch credit insurance plan for MSMEs”㸦2020.7㸧
࣭Asia Insurance Review, “Malaysia: Takaful operators less affected by Covid-19 than conventional
insurers”㸦2021.3㸧
࣭Asia Insurance Review, “Philippines: Insurers pay US$81m in Covid-19 related claims in 2020”
㸦2021.5㸧
࣭Asia Insurance Review, “Philippines: Govt Likely to have met microinsurance target 2 years aheadof schedule”㸦2021.5㸧
࣭Asia Insurance Review, “Singapore: MAS commits over US$30m to spur tech solutions for risk
management & RegTech”㸦2021.5㸧
࣭Asia Insurance Review, “Thailand: Covid-19 insurance claims estimated at US$16m as of end-April”
㸦2021.5㸧
࣭Asia Insurance Review, “Thailand: Insurance regulator to launch comparison website in July”- 29 ― 29 ―

損保総研レポート第135号 2021.6

㸦2020.7㸧
࣭Asia Insurance Review, “Thailand: Next 5-year insurance development plan to start in 2021”
㸦2020.4㸧
࣭AXCO, “Non-Life Insurance Market Report: Indonesia”㸦2021.4㸧
࣭AXCO, “Non-Life Insurance Market Report: Malaysia”㸦2021.4㸧
࣭AXCO, “Non-Life Insurance Market Report: Philippines”㸦2021.4㸧
࣭AXCO, “Non-Life Insurance Market Report: Singapore”㸦2021.4㸧
࣭AXCO, “Non-Life Insurance Market Report: Thailand”㸦2021.4㸧
࣭Baker McKenzie, “Insurance Outlook 2019-2020”㸦2020.12㸧
࣭Bangkok Post, “Covid claims projected to pass B500m”㸦2021.5㸧
࣭Clarence Wong, “Large and getting larger: Emerging Asia’s protection gaps”㸦Peak Re, 2021.3㸧
࣭David Dawborn, Vik Tang, Teguh Arwido, Michelle Virgiany & Roni Marpaung, “Covid-19:
Governance: Summary of Financial Regulators’ Response and Measures (Indonesia)”㸦2020.5㸧
࣭Ernst & Young, “2020 Japan Insurance Outlook: Trends and imperatives shaping the life and nonlife market”㸦2020.1㸧
࣭Fintech News Philippines, “Insurtech Platform Igloo Land Partnership With Union Bank andAkulaku for Micor-Insurance”㸦2020.8㸧
࣭FitchRatings, “Indonesia Takaful Dashboard 2021”㸦2021.3㸧
࣭FitchRatings, “Malaysia Takaful Dashboard 2021”㸦2021.3㸧
࣭Gabriel Olano, “MSIG to launch pay-as you-drive insurance model in Thailand”㸦Insurance
Business, 2021.2㸧
࣭Gabriel Olano, “Singapore insurers expand coverage for Covid-19 patients”㸦Insurance Business,
2020.5㸧
࣭General Insurance Association, “Annual Report 2019”㸦2020.3㸧
࣭General Insurance Association, “Annual Report 2020”㸦2021.3㸧
࣭Geneva Association, “Regulatory Considerations for Digital Insurance Business Models”㸦2021.3㸧
࣭Geneva Association, “Understanding and Addressing Global Insurance Protection Gaps”㸦2018.4㸧
࣭Insurance Commission, Department of Labor and Employment, Philippine Overseas Employment
Administration, & National Labor Relations Commission, “Insurance Guidelines on Rule XVI of the
Omnibus Rules and Regulations Implementing Republic Act 8042 (The Migrant Workers andOverseas Filipinos Act of 1995), as Amended by Republic Act 10022 Relative to Compulsory
Insurance Coverage for Agency-Hired Overseas Filipino Workers”㸦2010.9㸧
࣭International Finance Corporation, “IFC and PasarPolis Partner Amid Pandemic to Boost
Microinsurance Safety Nets for Indonesia’s Most Vulnerable”㸦2021.4㸧
࣭Malaysian Re, “ASEAN Insurance Pulse 2020”㸦2020.12㸧
࣭Malaysian Re, “Malaysian Insurance Highlights 2020”㸦2021.2㸧

損保総研レポート第135号 2021.6- 30 ― 30 ―࣭Michael Rellosa, “Insurance at a crossroads”㸦The Manila Times, 2021.3㸧
࣭Milliman, “Indonesia: Companies to reassess the impact of spinning-off Syariah windows following
recent regulatory updates”㸦2020.6㸧
࣭Milliman, “Thailand in focus: What’s new in Non-Lifeact”㸦2020.7㸧
࣭Oxford Business Group, “How is Indonesia increasing insurance coverage?”㸦2020.11㸧
࣭Oxford Business Group, “The Report: Indonesia 2020: How is Indonesia increasing insurance
coverage?”㸦2020.6㸧
࣭Oxford Business Group, “Will Covid-19 boost private insurance in the Philippines?”㸦2020.9㸧
࣭Ranamita Chakraborty, “Thailand: Non-life expected to contract by 5.6% this year amid Covid-19
fallout”㸦Asia Insurance Review, 2020.7㸧
࣭Reuters, “Indonesia eases credit guarantee rules in bid to spur loan growth”㸦2021.5㸧
࣭Swiss Re, “sigma No4/2020 World insurance: riding out the 2020 pandemic storm”㸦2020.7㸧
࣭Swiss Re Institute, “Going Digital: Insights to optimize consumer appetite for online insurance inIndonesia and Malaysia”㸦2020.11㸧
࣭The Edge Malaysia Weekly, “Growing pressure on insurers to cover Covid-19 treatment at private
hospital”㸦2021.1㸧
࣭The Low Down, “Challenges for insurtech in Indonesia”㸦2020.4㸧
࣭World Bank Group, “Doing Business 2020”㸦2019.10㸧㸺ཧ⪃࢙࢘ࣈࢧ࢖ࢺ㸼࣭࢖ࣥࢻࢿࢩ࢔ᦆᐖಖ㝤༠఍㸦General Insurance Association of Indonesia㸧 https://www.aaui.or.id/࣭ࢩ࣏࣮ࣥ࢞ࣝᦆᐖಖ㝤༠఍㸦General Insurance Association of Singapore㸧 https://www.gia.org.sg/࣭ࢱ࢖ಖ㝤ጤဨ఍㸦Office of Insurance Commission㸧 https://www.tgia.org/index-EN/࣭ࣇ࢕ࣜࣆࣥಖ㝤ᗇ㸦Insurance Commission㸧 https://www.insurance.gov.ph/࣭࣐࣮ࣞࢩ࢔ᦆᐖಖ㝤༠఍㸦Persatuan Insurans Am Malaysia㸧 https://www.insurance.gov.ph/
࣭ASEAN Briefing https://www.aseanbriefing.com/
࣭Center of Insurtech, Thailand https://www.cit.oic.or.th/࣭Chambers and Partners https://www.practiceguide.chambers.com/
࣭Herbert Smith Freehills https://www.herbertsmithfreehills.com/
࣭International Finance Corporation https://www.ifc.org/wps/
࣭International Monetary Fund https://www.imf.en/Publications/WEO/weo-database/࣭Malaysia Magazine https://www.malaysia-magazine.com/
࣭PasarPolice https://www.pasarpolis.io/en/࣭Pru Life UK https://www.prulifeuk.com.ph/en/࣭Singapore Statutes Online https://www.sso.agc.gov.sg/Act/PDPA2012/
࣭The Low Down https://www.thelowdown.momentum.asia/- 31 ― 31 ―

損保総研レポート第135号 2021.6

࣭United Nations https://www.population.un.org/wpp/

損保総研レポート第135号 2021.6- 32 ― 32 ―