6-digit U.S. detail
524114
直接の健康および医療保険会社
Description
この米国の産業は、主に個々の健康および医療保険契約（つまり、リスクを負い、保険料を徴収する）を最初に下取りする事業を主な対象としています。グループの入院保険プランや、健康および医療保険を提供し、医療サービスを提供する機能を持たないHMO（医療機関運営組織）もこの産業に含まれます。
Hierarchy
| Code | Title | Description |
|---|---|---|
| 52 | Finance and Insurance 2-digit sector | The Sector as a Whole The Finance and Insurance sector comprises establishments primarily engaged in financial transactions (transactions involving the creation, liquidation, or change in ownership of financial assets) and/or in facilitating financial transactions. Three principal types of activities are identified: 1. Raising funds by taking deposits and/or issuing securities and, in the process, incurring liabilities. Establishments engaged in this activity use raised funds to acquire financial assets by making loans and/or purchasing securities. Putting themselves at risk, they channel funds from lenders to borrowers and transform or repackage the funds with respect to maturity, scale, and risk. This activity is known as financial intermediation. 2. Pooling of risk by underwriting insurance and annuities. Establishments engaged in this activity collect fees, insurance premiums, or annuity considerations; build up reserves; invest those reserves; and make contractual payments. Fees are based on the expected incidence of the insured risk and the expected return on investment. 3. Providing specialized services facilitating or supporting financial intermediation, insurance, and employee benefit programs. In addition, monetary authorities charged with monetary control are included in this sector. The subsectors, industry groups, and industries within the Finance and Insurance sector are defined on the basis of their unique production processes. As with all industries, the production processes are distinguished by their use of specialized human resources and specialized physical capital. In addition, the way in which these establishments acquire and allocate financial capital, their source of funds, and the use of those funds provides a third basis for distinguishing characteristics of the production process. For instance, the production process in raising funds through deposit-taking is different from the process of raising funds in bond or money markets. The process of making loans to individuals also requires different production processes than does the creation of investment pools or the underwriting of securities. Most of the Finance and Insurance subsectors contain one or more industry groups of (1) intermediaries with similar patterns of raising and using funds and (2) establishments engaged in activities that facilitate, or are otherwise related to, that type of financial or insurance intermediation. Industries within this sector are defined in terms of activities for which a production process can be specified, and many of these activities are not exclusive to a particular type of financial institution. To deal with the varied activities taking place within existing financial institutions, the approach is to split these institutions into components performing specialized services. This requires defining the units engaged in providing those services and developing procedures that allow for their delineation. These units are the equivalents for finance and insurance of the establishments defined for other industries. The output of many financial services, as well as the inputs and the processes by which they are combined, cannot be observed at a single location and can only be defined at a higher level of the organizational structure of the enterprise. Additionally, a number of independent activities that represent separate and distinct production processes may take place at a single location belonging to a multilocation financial firm. Activities are more likely to be homogeneous with respect to production characteristics than are locations, at least in financial services. The classification defines activities broadly enough that it can be used both by those classifying by location and by those employing a more top-down approach to the delineation of the establishment. Establishments engaged in activities that facilitate, or are otherwise related to, the various types of intermediation are included in multiple subsectors, rather than in a separate subsector dedicated to services alone, because these services are performed by intermediaries, as well as by specialist establishments, and the extent to which the activity of the intermediaries can be separately identified is not clear. Financial industries are extensive users of electronic means for facilitating the verification of financial balances, authorizing transactions, transferring funds to and from transactors' accounts, notifying banks (or credit card issuers) of the individual transactions, and providing daily summaries. Since these transaction processing activities are integral to the production of finance and insurance services, establishments that principally provide a financial transaction processing service are classified in this sector, rather than in the data processing industry in the Information sector. Legal entities that hold portfolios of assets on behalf of others are significant and data on them are required for a variety of purposes. Thus, for NAICS, these funds, trusts, and other financial vehicles are the fifth subsector of the Finance and Insurance sector. These entities earn interest, dividends, and other property income, but have little or no employment and no revenue from the sale of services. Separate establishments and employees devoted to the management of funds are classified in Industry Group 5239, Other Financial Investment Activities. |
| 524 | Insurance Carriers and Related Activities 3-digit subsector | Industries in the Insurance Carriers and Related Activities subsector group establishments that are primarily engaged in one of the following: (1) underwriting (assuming the risk, assigning premiums, and so forth) annuities and insurance policies or (2) facilitating such underwriting by selling insurance policies and by providing other insurance and employee benefit related services. |
| 5241 | Insurance Carriers 4-digit industry group | This industry group comprises establishments primarily engaged in underwriting (assuming the risk, assigning premiums, and so forth) annuities and insurance policies and investing premiums to build up a portfolio of financial assets to be used against future claims. Direct insurance carriers are establishments that are primarily engaged in initially underwriting and assuming the risk of annuities and insurance policies. Reinsurance carriers are establishments that are primarily engaged in assuming all or part of the risk associated with an existing insurance policy (or set of policies) originally underwritten by another insurance carrier. Industries are defined in terms of the type of risk being insured against, such as death, loss of employment because of age or disability, and/or property damage. Contributions and premiums are set on the basis of actuarial calculations of probable payouts based on risk factors from experience tables and expected investment returns on reserves. |
| 52411 | Direct Life, Health, and Medical Insurance Carriers 5-digit NAICS industry | This industry comprises establishments primarily engaged in initially underwriting (i.e., assuming the risk and assigning premiums) annuities and life insurance policies, disability income insurance policies, accidental death and dismemberment insurance policies, and health and medical insurance policies. |
| 524114 | 直接の健康および医療保険会社 6-digit U.S. detail | この米国の産業は、主に個々の健康および医療保険契約（つまり、リスクを負い、保険料を徴収する）を最初に下取りする事業を主な対象としています。グループの入院保険プランや、健康および医療保険を提供し、医療サービスを提供する機能を持たないHMO（医療機関運営組織）もこの産業に含まれます。 |
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Classification References
- 01HMO 施設が医療サービスと医療および医療保険の underwriters を提供する場合、U.S. Industry 621491、HMO 医療センターに分類されます。
- 02主に医療保険ポリシーの再保険に携わる事業所は、Industry 524130、再保険会社に分類されます。
- 03スポンサーの従業員またはメンバーのみを対象とした、医療および福利厚生に関連する従業員福利をのみ提供する法人（すなわち、基金、プラン、および/またはプログラム）は、Industry 525120、医療および福利厚生基金に分類されます。
Index Items
歯科保険会社、直接
グループホスピタルプランが医療サービスを提供しない
医療保険会社、直接
病院および医療サービスプラン、直接、医療サービスを提供しない
病院保険会社、直接、医療サービスを提供しない
保険会社、医療、直接
医療および医療保険の underwriters、直接
医療保険会社、直接
医療サービスプランが医療サービスを提供しない
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External Resources
Census.gov NAICS Detail
Official US Census Bureau definition and scope for NAICS 524114.
National Association of Insurance Commissioners
The primary US trade association representing insurance regulators, including those overseeing health insurance carriers.
National Association of Health Insurers
The leading non-partisan trade association focused on promoting the interests of health and dental insurance companies.
Healthcare.gov
The official US government platform for accessing and purchasing health insurance plans through the Affordable Care Act exchange.
