Critical Illness Insurance Marketby Application (Stroke, Cancer and Heart Attack), by Type (Medical Insurance, Disease Insurance and Income Protection Insurance), and Region, Global Industry Analysis, Market Size, Share, Growth, Trends, and Forecast 2021 to 2028

  • Publish Date: Jan, 2022
  • Report ID: 419810
  • Category: Healthcare
  • Pages: 225
$4700

The critical illness insurance market is expected to grow USD 68448.20 million in 2020 to USD 201788.07 million by 2028, at a CAGR of 14.47 % during the forecast period 2021-2028.

Critical illness insurance is also described as critical insurance cover or dread disease policy. A critical illness policy includes major critical illnesses such as cancer, renal failure, heart attack, etc. The advantage of critical disease insurance is it provides an economic cushion through paying a one-time Sum Insured comprising 18 types of critical illnesses, procedures & medical events listed below. Both health insurers and life insurers can issue critical illness insurance plans. Life insurers issue a long-term policy while annual plans are given in the case of health insurers. The price of critical illness insurance is decreased, as are the opportunities for fraud or dubious claims. The critical illness plans have low premium rates.

The factors driving the market are the growing expenditure on medical amenities, increased prevalence of critical diseases, increased out-of-pocket spending among the uninsured and insured population, rise in GDP, and rising healthcare expenditure. The factors restraining the market growth are the rising price of premiums, higher Body Mass Index (BMI), and the lack of information related to insurance policy related to critical illness. The opportunities for market growth are the increasing demand for critical illness insurance and growing concern correlated to health and mental fitness. The challenge of the market growth is the rise in premiums of insurance.

This study delivers a comprehensive analysis ofapplication,type, and region.The applicationsegment includesstroke, cancer, and heart attack.The cancer segment held the largest market share in 2020 due to delayed diagnosis and the lack of optimal treatment needed to fight the disease.The type segment includesmedical insurance, disease insurance, and income protection insurance.The medical insurance segment held the largest market share in 2020 due to accident and emergency-related hospitalization.

The market has been divided into North America, Europe, Asia-Pacific, Middle East & Africa, and South America. North America holds the largest market share, owing to the sudden surge in cancer diagnosis and the rising death rate. Further, the increasing incidences of chronic illnesses involving cancer and growing medical costs in the region also propel this market growth. Europe is expected to witness significant growth due to rising awareness regarding insurance policies and their benefits. Also, the rising prevalence of critical illnesses like stroke, cancer, and heart attack is also contributing the regional growth. The Asia Pacific is expected to witness significant growth due to increasing demand for health insurance policies in densely populated countries like China and India.Further, the Middle East & Africa is expected to register the lowest growth due to population growth, increasing life expectancy, and enlarging the middle class in the region’s market growth.

Some of the notable players in the market are China Life Insurance Company, Aegon, AXA, Prudential, Sun Life Financial, Liberty Mutual, Star Union Dai-ichi Life Insurance, MetLife Services and Solutions, LLC, Aflac Incorporated,Huaxia Life Insurance Co.,Sun Life Financial, and United Healthcare Services Inc., and among others.

  • Global Critical Illness Insurance Market Analysis and Forecast, Application
    • Stroke
    • Cancer
    • Heart Attack
  • Global Critical Illness Insurance Market Analysis and Forecast, Type
    • Medical Insurance
    • Disease Insurance
    • Income Protection Insurance
  • Global Critical Illness Insurance Market Analysis and Forecast, Region
    • North America
      • U.S.
      • Canada
      • Mexico
    • Europe
      • Germany
      • France
      • Sweden
      • Netherland
      • U.K.
      • Italy
      • Spain
      • Turkey
      • Switzerland
      • Belgium
      • Rest Of Europe
    • Asia-Pacific
      • Japan
      • China
      • India
      • South Korea
      • Australia
      • Singapore
      • Malaysia
      • Thailand
      • Indonesia
      • Philippines
      • Rest Of APAC
    • South America
      • Brazil
      • Argentina
      • Peru
      • Colombia
      • Rest Of South America
    • Middle East And Africa
      •  UAE
      •  Saudi Arabia
      •  Egypt
      •  Nigeria
      •  South Africa
      • Rest Of MEA

Report Description:

  • The base year for the study has been considered 2020, historic year 2019, the forecast period considered is from 2021 to 2028.
  • The study delivers a comprehensive analysis of global market for all segments and region.
  • The report offers in-depth analysis of driving factors, opportunities and restraints for gaining the key insight of the market. The report emphasizes on all the key trends that play a vital role in the enlargement of the market from 2021 to 2028.
  • Porter’s Five Forces model is used in order to recognize the competitive scenario in the market. This report incorporates the industry analysis which is focused on providing an extensive view of the market.
  • The study also includes attractiveness analysis of all segments and regions which are benchmarked based on their market size, growth rate and attractiveness in terms of present and future opportunist for understanding the future growth of the market.
  • The report provides company profile of the key players operating in the market and a comparative analysis based on their business overviews, application offering, segment market share, regional presence, business strategies, innovations, mergers & acquisitions, recent developments, joint venture, collaborations, partnerships, SWOT analysis, and key financial information.
  • The market estimates have been evaluated by considering the effect of different political, economic, social, technological and legal factors which are based on our extensive secondary research, primary research, and in-house databases.

1. Introduction
    1.1. Objectives of the Study
    1.2. Market Definition
    1.3. Research Scope
    1.4. Currency
    1.5. Key Target Audience
2. Research Methodology and Assumptions
3. Executive Summary
4. Premium Insights
    4.1. Porter’s Five Forces Analysis
    4.2. Value Chain Analysis
    4.3. Top Investment Pockets
          4.3.1. Market Attractiveness Analysis By Application
          4.3.2. Market Attractiveness Analysis By Product Type
          4.3.3. Market Attractiveness Analysis By Type
          4.3.4. Market Attractiveness Analysis By Region
    4.4. Industry Trends
5. Market Dynamics
    5.1. Market Evaluation
    5.2. Drivers
          5.2.1. Growing expenditure on medical amenities
          5.2.2. Increased out-of-pocket spending among the uninsured and insured population
    5.3. Restraints
          5.3.1. Rising price of premiums
          5.3.2. Higher Body Mass Index (BMI)
    5.4. Opportunities
          5.4.1. Rising demand for critical illness insurance
6. Global Critical Illness Insurance Market Analysis and Forecast, By Application
    6.1. Segment Overview
    6.2. Stroke
    6.3. Cancer
    6.4. Heart Attack
7. Global Critical Illness Insurance Market Analysis and Forecast, By Product Type
    7.1. Segment Overview
    7.2. Medical Insurance
    7.3. Disease Insurance
    7.4. Income Protection Insurance
8. Global Critical Illness Insurance Market Analysis and Forecast, By Type
    8.1. Segment Overview
    8.2. Family Insurance
    8.3. Individual Insurance
9. Global Critical Illness Insurance Market Analysis and Forecast, By Regional Analysis
    9.1. Segment Overview
    9.2. North America
          9.2.1. U.S.
          9.2.2. Canada
          9.2.3. Mexico
    9.3. Europe
          9.3.1. Germany
          9.3.2. France
          9.3.3. U.K.
          9.3.4. Italy
          9.3.5. Spain
    9.4. Asia-Pacific
          9.4.1. Japan
          9.4.2. China
          9.4.3. India
    9.5. South America
          9.5.1. Brazil
    9.6. Middle East and Africa
          9.6.1. UAE
          9.6.2. South Africa
10. Global Critical Illness Insurance Market-Competitive Landscape
    10.1. Overview
    10.2. Market Share of Key Players in Global Critical Illness Insurance Market
          10.2.1. Global Company Market Share
          10.2.2. North America Company Market Share
          10.2.3. Europe Company Market Share
          10.2.4. APAC Company Market Share
    10.3. Competitive Situations and Trends
          10.3.1. Product Launches and Developments
          10.3.2. Partnerships, Collaborations, and Agreements
          10.3.3. Mergers & Acquisitions
          10.3.4. Expansions
11. Company Profiles
    11.1. China Life Insurance Company
          11.1.1. Business Overview
          11.1.2. Company Snapshot
          11.1.3. Company Market Share Analysis
          11.1.4. Company ProductPortfolio
          11.1.5. Recent Developments
          11.1.6. SWOT Analysis
    11.2. Aegon
          11.2.1. Business Overview
          11.2.2. Company Snapshot
          11.2.3. Company Market Share Analysis
          11.2.4. Company ProductPortfolio
          11.2.5. Recent Developments
          11.2.6. SWOT Analysis
    11.3. AXA
          11.3.1. Business Overview
          11.3.2. Company Snapshot
          11.3.3. Company Market Share Analysis
          11.3.4. Company ProductPortfolio
          11.3.5. Recent Developments
          11.3.6. SWOT Analysis
    11.4. Prudential
          11.4.1. Business Overview
          11.4.2. Company Snapshot
          11.4.3. Company Market Share Analysis
          11.4.4. Company ProductPortfolio
          11.4.5. Recent Developments
          11.4.6. SWOT Analysis
    11.5. Sun Life Financial
          11.5.1. Business Overview
          11.5.2. Company Snapshot
          11.5.3. Company Market Share Analysis
          11.5.4. Company ProductPortfolio
          11.5.5. Recent Developments
          11.5.6. SWOT Analysis
    11.6. Liberty Mutual
          11.6.1. Business Overview
          11.6.2. Company Snapshot
          11.6.3. Company Market Share Analysis
          11.6.4. Company ProductPortfolio
          11.6.5. Recent Developments
          11.6.6. SWOT Analysis
    11.7. Star Union Dai-ichi Life Insurance
          11.7.1. Business Overview
          11.7.2. Company Snapshot
          11.7.3. Company Market Share Analysis
          11.7.4. Company ProductPortfolio
          11.7.5. Recent Developments
          11.7.6. SWOT Analysis
    11.8. MetLife Services and Solutions, LLC
          11.8.1. Business Overview
          11.8.2. Company Snapshot
          11.8.3. Company Market Share Analysis
          11.8.4. Company ProductPortfolio
          11.8.5. Recent Developments
          11.8.6. SWOT Analysis
    11.9. Aflac Incorporated
          11.9.1. Business Overview
          11.9.2. Company Snapshot
          11.9.3. Company Market Share Analysis
          11.9.4. Company ProductPortfolio
          11.9.5. Recent Developments
          11.9.6. SWOT Analysis
    11.10. Huaxia Life Insurance Co.
          11.10.1. Business Overview
          11.10.2. Company Snapshot
          11.10.3. Company Market Share Analysis
          11.10.4. Company Product Portfolio
          11.10.5. Recent Developments
          11.10.6. SWOT Analysis
    11.11. Sun Life Financial
          11.11.1. Business Overview
          11.11.2. Company Snapshot
          11.11.3. Company Market Share Analysis
          11.11.4. Company Product Portfolio
          11.11.5. Recent Developments
          11.11.6. SWOT Analysis
    11.12. United Healthcare Services Inc
          11.12.1. Business Overview
          11.12.2. Company Snapshot
          11.12.3. Company Market Share Analysis
          11.12.4. Company Product Portfolio
          11.12.5. Recent Developments
          11.12.6. SWOT Analysis

List of Table

1. Global Critical Illness Insurance Market, By Application, 2021-2028 (USD Million)

2. Global Stroke, Critical Illness Insurance Market, By Region, 2021-2028 (USD Million) 

3. Global Cancer, Critical Illness Insurance Market, By Region, 2021-2028 (USD Million)

4. Global Heart Attack, Critical Illness Insurance Market, By Region, 2021-2028 (USD Million)

5. Global Critical Illness Insurance Market, By Product Type, 2021-2028 (USD Million)

6. Global Medical Insurance, Critical Illness Insurance Market, By Region, 2021-2028 (USD Million)

7. Global Disease Insurance, Critical Illness Insurance Market, By Region, 2021-2028 (USD Million)

8. Global Income Protection Insurance, Critical Illness Insurance Market, By Region, 2021-2028 (USD Million)

9. Global Critical Illness Insurance Market, By Type, 2021-2028 (USD Million)

10. GlobalFamily Insurance, Critical Illness Insurance Market, By Region, 2021-2028 (USD Million)

11. Global Individual Insurance, Critical Illness Insurance Market, By Region, 2021-2028 (USD Million)

12. North America Critical Illness Insurance Market, By Application, 2021-2028 (USD Million)

13. North America Critical Illness Insurance Market, By Product Type, 2021-2028 (USD Million)

14. North America Critical Illness Insurance Market, By Type, 2021-2028 (USD Million)

15. U.S. Critical Illness Insurance Market, By Application, 2021-2028 (USD Million)

16. U.S. Critical Illness Insurance Market, By Product Type, 2021-2028 (USD Million)

17. U.S. Critical Illness Insurance Market, By Type, 2021-2028 (USD Million)

18. Canada Critical Illness Insurance Market, By Application, 2021-2028 (USD Million)

19. Canada Critical Illness Insurance Market, By Product Type, 2021-2028 (USD Million)

20. Canada Critical Illness Insurance Market, By Type, 2021-2028 (USD Million)

21. Mexico Critical Illness Insurance Market, By Application, 2021-2028 (USD Million)

22. Mexico Critical Illness Insurance Market, By Product Type, 2021-2028 (USD Million)

23. Mexico Critical Illness Insurance Market, By Type, 2021-2028 (USD Million)

24. Europe Critical Illness Insurance Market, By Application, 2021-2028 (USD Million)

25. Europe Critical Illness Insurance Market, By Product Type, 2021-2028 (USD Million)

26. Europe Critical Illness Insurance Market, By Type, 2021-2028 (USD Million)

27. Germany Critical Illness Insurance Market, By Application, 2021-2028 (USD Million)

28. Germany Critical Illness Insurance Market, By Product Type, 2021-2028 (USD Million)

29. Germany Critical Illness Insurance Market, By Type, 2021-2028 (USD Million)

30. France Critical Illness Insurance Market, By Application, 2021-2028 (USD Million)

31. France Critical Illness Insurance Market, By Product Type, 2021-2028 (USD Million)

32. France Critical Illness Insurance Market, By Type, 2021-2028 (USD Million)

33. U.K. Critical Illness Insurance Market, By Application, 2021-2028 (USD Million)

34. U.K. Critical Illness Insurance Market, By Product Type, 2021-2028 (USD Million)

35. U.K. Critical Illness Insurance Market, By Type, 2021-2028 (USD Million)

36. Italy Critical Illness Insurance Market, By Application, 2021-2028 (USD Million)

37. Italy Critical Illness Insurance Market, By Product Type, 2021-2028 (USD Million)

38. Italy Critical Illness Insurance Market, By Type, 2021-2028 (USD Million)

39. Spain Critical Illness Insurance Market, By Application, 2021-2028 (USD Million)

40. Spain Critical Illness Insurance Market, By Product Type, 2021-2028 (USD Million)

41. Spain Critical Illness Insurance Market, By Type, 2021-2028 (USD Million)

42. Asia Pacific Critical Illness Insurance Market, By Application, 2021-2028 (USD Million)

43. Asia Pacific Critical Illness Insurance Market, By Product Type, 2021-2028 (USD Million)

44. Asia Pacific Critical Illness Insurance Market, By Type, 2021-2028 (USD Million)

45. Japan Critical Illness Insurance Market, By Application, 2021-2028 (USD Million)

46. Japan Critical Illness Insurance Market, By Product Type, 2021-2028 (USD Million)

47. Japan Critical Illness Insurance Market, By Type, 2021-2028 (USD Million)

48. China Critical Illness Insurance Market, By Application, 2021-2028 (USD Million)

49. China Critical Illness Insurance Market, By Product Type, 2021-2028 (USD Million)

50. China Critical Illness Insurance Market, By Type, 2021-2028 (USD Million)

51. India Critical Illness Insurance Market, By Application, 2021-2028 (USD Million)

52. India Critical Illness Insurance Market, By Product Type, 2021-2028 (USD Million)

53. India Critical Illness Insurance Market, By Type, 2021-2028 (USD Million)

54. South America Critical Illness Insurance Market, By Application, 2021-2028 (USD Million)

55. South America Critical Illness Insurance Market, By Product Type, 2021-2028 (USD Million)

56. South America Critical Illness Insurance Market, By Type, 2021-2028 (USD Million)

57. Brazil Critical Illness Insurance Market, By Application, 2021-2028 (USD Million)

58. Brazil Critical Illness Insurance Market, By Product Type, 2021-2028 (USD Million)

59. Brazil Critical Illness Insurance Market, By Type, 2021-2028 (USD Million)

60. Middle East and Africa Critical Illness Insurance Market, By Application, 2021-2028 (USD Million)

61. Middle East and Africa Critical Illness Insurance Market, By Product Type, 2021-2028 (USD Million)

62. Middle East and Africa Critical Illness Insurance Market, By Type, 2021-2028 (USD Million)

63. UAE Critical Illness Insurance Market, By Application, 2021-2028 (USD Million)

64. UAE Critical Illness Insurance Market, By Product Type, 2021-2028 (USD Million)

65. UAE Critical Illness Insurance Market, By Type, 2021-2028 (USD Million)

66. South Africa Critical Illness Insurance Market, By Application, 2021-2028 (USD Million)

67. South Africa Critical Illness Insurance Market, By Product Type, 2021-2028 (USD Million)

68. South Africa Critical Illness Insurance Market, By Type, 2021-2028 (USD Million)

List of Figures 

1. Global Critical Illness Insurance Market Segmentation

2. Global Critical Illness Insurance Market: Research Methodology

3. Market Size Estimation Methodology: Bottom-Up Approach

4. Market Size Estimation Methodology: Top-Down Approach

5. Data Triangulation

6. Porter’s Five Forces Analysis 

7. Value Chain Analysis 

8. Global Critical Illness Insurance Market Attractiveness Analysis By Application

9. Global Critical Illness Insurance Market Attractiveness Analysis By Product Type

10. Global Critical Illness Insurance Market Attractiveness Analysis By Type

11. Global Critical Illness Insurance Market Attractiveness Analysis By Region

12. Global Critical Illness Insurance Market: Dynamics

13. Global Critical Illness Insurance Market Share By Application(2021&2028)

14. Global Critical Illness Insurance Market Share By Product Type (2021&2028)

15. Global Critical Illness Insurance Market Share By Type (2021 & 2028)

16. Global Critical Illness Insurance Market Share By Regions (2021&2028)

17. Global Critical Illness Insurance Market Share By Company (2020)

Research Methodology

Market research is a method of gathering, assessing and deducing data & information about a particular market. Market research is very crucial in these days. The techniques analyze about how a product/service can be offered to the market to its end-customers, observe the impact of that product/service based on the past customer experiences, and cater their needs and demands. Owing to the successful business ventures, accurate, relevant and thorough information is the base for all the organizations because market research report/study offers specific market related data & information about the industry growth prospects, perspective of the existing customers, and the overall market scenario prevailed in past, ongoing present and developing future. It allows the stakeholders and investors to determine the probability of a business before committing substantial resources to the venture. Market research helps in solving the marketing issues challenges that a business will most likely face.

Market research is valuable because of the following reasons:

  • Market research helps businesses strengthen a company’s position
  • Market research helps in minimizing the investment risks associated with the businesses in any industry vertical
  • Market research helps in identifying the potential threats and opportunities associated with the business industry
  • Market research aids in spotting the emerging trends and facilitates strategic planning in order to stay ahead in the competition

Our research report features both the aspects; qualitative and quantitative. Qualitative part provides insights about the market driving forces, potential opportunities, customer’s demands and requirement which in turn help the companies to come up with new strategies in order to survive in the long run competition. The quantitative segment offers the most credible information related to the industry. Based on the data gathering, we use to derive the market size and estimate their future growth prospects on the basis of global, region and country.

Our market research process involves with the four specific stages.

  • Data Collection
  • Data Synthesis
  • Market Deduction & Formulation
  • Data Screening & Validation

Data Collection: This stage of the market research process involves with the gathering and collecting of the market/industry related data from the sources. There are basically two types of research methods:

  • Primary Research: By conducting primary research, it involves with the two types of data gathering; exploratory and specific. Exploratory data is open-ended and helps us to define a particular problem involving surveys, and pilot study to the specific consumer group, knowing their needs and wants catering to the industry related product/service offering. Explanatory data gathering follows with the bit of unstructured way. Our analyst group leads the study by focusing on the key crowd, in this manner picking up bits of knowledge from them. In light of the points of view of the clients, this data is used to plan advertise techniques. In addition, showcase overviews causes us to comprehend the current scenario of the business. Specific data gathering on the hand, involves with the more structured and formal way. The primary research usually includes in telephonic conversations, E-mail collaborations and up close and personal meetings/interviews with the raw material suppliers, industrial wholesalers, and independent consultants/specialists. The interviews that we conduct offers important information on showcase size and industry development patterns. Our company likewise conducts interviews with the different business specialists so as to increase generally bits of knowledge of the business/showcase.
  • Secondary Research: The secondary research incorporates with the data gathering from the non-profit associations and organizations, for example, World bank, WHO, investor relations and their presentations, statistical databases, yearly(annual reports) reports, national government records, factual databases, websites, articles, white papers, press releases, blogs and others. From the annual report, we deduce an organization's income/revenue generation to comprehend the key product segment related to the market. We examine the organization sites and implement product mapping strategy which is significant for determining the segment revenue. In the product mapping technique, we choose and categorize the products offered by the companies catering to the industry specific market, derive the segment revenue for each of the organizations to get the market estimation. We also gather data & Information based on the supply and demand side of the value chain involved with the domain specific market. The supply side denotes the distributors, wholesalers, suppliers and the demand side denotes the end-consumers/customers of the value chain. The supply side of the market is analyzed by examining the product growth across industry in each of the region followed by its pricing analysis. The demand side is analyzed by the evaluating the penetration level and adoption rates of the product by referring to the historical/past data, examine the present usage and forecasting the future trends. 
  • Purchased Database: Our purchased data provides insights about the key market players/companies along with their financial analysis. Additionally, our data base also includes market related information. 
    • We also have the agreements with various reputed data providers, consultants and third party vendors who provide information which are not limited to:
      • Export & Import Data
      • Business Information related to trade and its statistics
      • Penetration level of a particular product/service based on geography mainly focusing on the unmet prerequisites of the customers.
  • In-house Library: Apart from these third-party sources, we have our in-house library of quantitative and qualitative data & information. Our in-house database includes market data for various industry and domains. These data are updated on regular basis as per the changing market scenario. Our library includes, internal audit reports, historic databases, archives and journal publications. Sometimes there are instances where there is no metadata or raw data available for any domain specific market. For those particular cases, we utilize our expertise to forecast and estimate the market size in order to generate comprehensive data sets. Our analyst team adopts a robust research technique in order to deduce the market size and its estimates:
  • Examining demographic along with psychographic segmentation for market evaluation
  • Analyzing the macro and micro-economic indicators for each demography
  • Evaluating the current industry trends popular in the market.

Data Synthesis: This stage includes the evaluation and assessment of all the data acquired from the primary and secondary research. It likewise includes in evaluating the information for any disparity watched while information gathering identified with the market. The data & information is gathered with consideration to the heterogeneity of sources. Scientific and statistical methods are implemented for synthesizing dissimilar information sets and provide the relevant data which is fundamental for formulating strategies. Our organization has broad involvement with information amalgamation where the information goes through different stages:

  • Information Screening: Information screening is the way toward examining information/data gathered from the sources for errors/mistakes and amending it before data integration process. The screening includes in looking at raw information, identifying and distinguishing mistakes and managing missing information. The reason for the information screening is to ensure information is effectively entered or not. Our organization utilizes objective and precise information screening grades through repetitive quality checks.
  • Data Integration: The data integration method involves with the incorporation of numerous information streams. The data streams is important so as to deliver investigate examines that give overall market scenario to the investors. These information streams originate from different research contemplates and our in house database. After the screening of the information, our analysts conduct efficient integration of the data streams, optimizing connections between integrated surveys and syndicated data sources. There are two research approaches that we follow so as to coordinate our information; top down methodology and bottom up methodology. 
    • Top-down analysis generally refers to using broad factors as a basis for decision making. The top-down approach helps in identifying the overall market scenario along with the external and internal factors effecting the market growth.
    • The bottom-up approach takes a completely different approach. Generally, the bottom-up approach focuses its analysis on micro attributes and specific characteristics of the domain specific market.

Market Formulation & Deduction: The last stage includes assigning the data & information in a suitable way in order to derive market size. Analyst reviews and domain based opinions based on holistic approach of market estimation combined with industry investigation additionally features a crucial role in this stage.

This stage includes with the finalization of the market size and numbers that we have gathered from primary and secondary research. With the data & information addition, we ensure that there is no gap in the market information. Market trend analysis is finished by our analysts by utilizing data extrapolation procedures, which give the most ideal figures to the market.

Data Validation: Validation is the most crucial step in the process. Validation & re-validation through scientifically designed technique and process that helps us finalize data-points to be used for final calculations. This stage also involves with the data triangulation process. Data triangulation generally implicates the cross validation and matching the data which has been collected from primary and secondary research methods.

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