The global critical illness insurance market size is expected to reach USD 594.71 billion by 2030. The market is expected to expand at a CAGR of 7.0% from 2023 to 2030. Rising coverage by insurance providers for the critical illnesses is a key growth driver for this market. Along with cancer, stroke, and heart attack, major insurance companies are focusing on expanding coverage for a number of new diseases like multiple sclerosis, Alzheimer's disease, and Parkinson's disease. As the need for this coverage increases, employees are starting to see critical illness benefits offered as a choice in their employment benefit package as an incentive for registering for this consumer-driven health plan. Critical illness insurance is expected to rank among the top selling products in the upcoming years as health care expenses keep rising faster than the rate of inflation.
The market is witnessed a rapid expansion in recent years. The growing prevalence of chronic diseases, such as cancer, kidney failure, strokes, and heart attacks and rising out-of-pocket expenses for both uninsured and insured people drive the market growth. According to the Centers for Disease Control and Prevention (CDC), every 40 seconds, a heart attack occurs in the U.S. About 805,000 Americans experience a heart attack each year. 605,000 of these result in a first-time heart attack, and 200,000 are experienced by those who have already had one. The cost of treating such a disease is extremely high, thus having critical illness insurance can help reduce the financial burden of the expense of care.
Furthermore, key players in the market undertake various strategic initiatives such as expansion, new policies, partnerships, mergers and acquisitions to increase the product reach in the market. For instance, in November 2022, Nassau Financial Group entered into a definitive agreement with Delaware Life Insurance Company to acquire the Delaware Life Insurance Company of New York. This acquisition is expected to expand the company’s insurance business in the country. Moreover, in November 2022, PolicyMe introduced a new critical illness insurance product that delivers complete coverage in Canada. This innovative package, created in collaboration with and underwritten by Canadian Premier Life Insurance Company, covers around 44 disorders, which is 10-15 more than the standard Canadian insurer.
Critical Illness Insurance Market Report Highlights
- Based on disease, the market is segmented into five disease - cancer, Heart Attack, Stroke, Major Organ Transplant, and other diseases
- In 2022, cancer held the highest revenue share, with over 32.23% of the market. This is attributed due to the increasing prevalence of cancer. Several types of cancer that are typically treatable are included in critical illness insurance plans, as are cancers that are severe or deadly
- Heart attack is expected to show significant share in the market owing to increasing adoption of a sedentary lifestyle and growing prevalence of heart illnesses
- Family insurance is expected to show significant share in insurance type segment in the forecast period owing to the family insurance plans are less expensive than individual health insurance
- North America dominated the market and accounted for the largest revenue share of over 40.74% in 2022 due to an increase in the number of individuals with serious illnesses such kidney failure, cancer, heart attacks, and stroke
- Asia pacific is expected to grow with CAGR of 8.2% during the forecast year. This is attributed to the rising private provider penetration in this region and rising programmer launches by the state and central governments
Table of Contents
Chapter 1 Critical Illness Insurance Market: Methodology And Scope1.1 Market Segmentation
1.1.1 Segment Scope
1.1.2 Regional Scope
1.1.3 Estimates And Forecast Timeline
1.2 Research Methodology
1.3 Information Procurement
1.3.1 Purchased Database
1.3.2 Internal Database
1.3.3 Secondary Sources
1.3.4 Primary Research
1.3.5 Details Of Primary Research
1.4 Information Or Data Analysis
1.4.1 Data Analysis Models
1.5 Market Formulation & Validation
1.6 Model Details
1.6.1 Commodity Flow Analysis
1.6.1.1 Approach 1: Commodity Flow Approach
1.6.1.2 Approach 2: Country Wise Market Estimation Using Bottom Up Approach
1.6.1.3 Approach 2: Country Wise Market Estimation Using Top Down Approach
1.7 Global Market: CAGR Calculation
1.8 Regional Market: CAGR Calculation
1.9 List Of Secondary Sources
1.10 Objectives
1.10.1 Objective 1:
1.10.2 Objective 2:
1.11 List of Abbreviations
Chapter 2 Critical Illness Insurance Market: Executive Summary
2.1 Critical Illness Insurance: Market Outlook
2.2.1 Segment Outlook
2.2.2 Market Summary, 2022 (USD Million)
Chapter 3 Critical Illness Insurance Market: Industry Outlook
3.1 Market Lineage Outlook
3.1.1 Parent Market Lineage Outlook
3.1.2 Related/Ancillary Market Outlook
3.2 Penetration & Growth Prospect Mapping
3.3 Market Dynamics
3.3.1 Market Drivers
3.3.1.1 Increasing number of health issues due to unhealthy lifestyle causes serious illness such as cancer, heart attack, kidney failure and others.
3.3.1.2 Increase in the range of critical illnesses covered in critical illness insurance policies
3.3.1.3 Smooth process of reimburshment for the coverage
3.3.2 Market restraint Analysis
3.3.2.1 Premiums price increase with age
3.3.2.2 Doesn’t cover pre-existing conditions
3.3.2.3 Lack of awareness about critical illness insurance
3.4 SWOT Analysis, By Factor (Political & Legal, Economic and Technological)
3.5 Industry Analysis - Porter’s
3.6 Major Deals & Strategic Alliances
3.6.1 New Product Launch
3.6.2 Acquisition
3.6.3 Expansion
3.6.4 Partnerships
3.6.5 Marketing & Promotions
Chapter 4 Critical Illness Insurance Market: Competitive Landscape
4.1 Recent developments & impact analysis, by key market participants
4.1.1 Ansoff Matrix
4.2 Company Categorization
4.2.1 Innovators
4.2.1.1 Market Differentiators
4.3 Vendor Landscape
4.3.1 List Of Key Distributors And Channel Partners
4.3.2 Key Customers
4.4 Public Companies
4.4.1 Competitive Dashboard Analysis
4.5 Private Companies
4.5.1 List Of Key Emerging Companies
4.6 Regional Network Map
Chapter 5 Critical Illness Insurance Market: Premium Type Business Analysis
5.1 Critical Illness Insurance Market: Premium Type Movement Analysis
5.2 Monthly
5.2.1 Monthly critical illness insurance market estimates and forecast, 2018 - 2030 (USD Billion)
5.3 Quarterly
5.3.1 Qauterly critical illness insurance market estimates and forecast, 2018 - 2030 (USD Billion)
5.4 Half Yearly
5.4.1 Half yearly critical illness insurance market estimates and forecast, 2018 - 2030 (USD Billion)
5.5 Yearly
5.5.1 Yearly critical illness insurance market estimates and forecast, 2018 - 2030 (USD Billion)
Chapter 6 Critical Illness Insurance Market: Disease Business Analysis
6.1 Critical Illness Insurance Market: Disease Movement Analysis
6.2 Cancer
6.2.1 Cancer market estimates and forecast, 2018 - 2030 (USD Billion)
6.3 Heart Attack
6.3.1 Heart attack market estimates and forecast, 2018 - 2030 (USD Billion)
6.4 Stroke
6.4.1 Stroke market estimates and forecast, 2018 - 2030 (USD Billion)
6.5 Major Organ Transplant
6.5.1 Major organ transplant market estimates and forecast, 2018 - 2030 (USD Billion)
6.6 Other diseases
6.6.1 Other diseases market estimates and forecast, 2018 - 2030 (USD Billion)
Chapter 7 Critical Illness Insurance Market: Type Business Analysis
7.1 Critical Illness Insurance Market: Type Movement Analysis
7.2 Individual Insurance
7.2.1 Individual insurance market estimates and forecast, 2018 - 2030 (USD Billion)
7.3 Family Insurance
7.3.1 Family insurance market estimates and forecast, 2018 - 2030 (USD Billion)
Chapter 8 Critical Illness Insurance Market: Regional Business Analysis
8.1 Market Share Analysis by Country, 2021 & 2030
8.1.1 North America
8.1.1.1 North America Market Estimates And Forecast, 2018 - 2030 (USD Billion)
8.1.1.2 U.S.
8.1.1.2.1 U.S. Market Estimates And Forecast, 2018 - 2030 (USD Billion)
8.1.1.2.2 Key Country Dynamics
8.1.1.2.3 Target Disease Prevalence
8.1.1.2.4 Competitive Scenario
8.1.1.2.5 Regulatory Framework
8.1.1.2.6 Reimbursment Scenario
8.1.1.3 Canada
8.1.1.3.1 Canada Market Estimates And Forecast, 2018 - 2030 (USD Billion)
8.1.1.3.2 Key Country Dynamics
8.1.1.3.3 Target Disease Prevalence
8.1.1.3.4 Competitive Scenario
8.1.1.3.5 Regulatory Framework
8.1.1.3.6 Reimbursment Scenario
8.1.2 Europe
8.1.2.1 Europe Market Estimates And Forecast, 2018 - 2030 (USD Billion)
8.1.2.2 U.K.
8.1.2.2.1 U.K. Market Estimates And Forecast, 2018 - 2030 (USD Billion)
8.1.2.2.2 Key Country Dynamics
8.1.2.2.3 Target Disease Prevalence
8.1.2.2.4 Competitive Scenario
8.1.2.2.5 Regulatory Framework
8.1.2.2.6 Reimbursment Scenario
8.1.2.3 Germany
8.1.2.3.1 Germany Market Estimates And Forecast, 2018 - 2030 (USD Billion)
8.1.2.3.2 Key Country Dynamics
8.1.2.3.3 Target Disease Prevalence
8.1.2.3.4 Competitive Scenario
8.1.2.3.5 Regulatory Framework
8.1.2.3.6 Reimbursment Scenario
8.1.3 Asia-Pacific
8.1.3.1 Asia-Pacific Market Estimates And Forecast, 2018 - 2030 (USD Billion)
8.1.3.2 Japan
8.1.3.2.1 Japan Market Estimates And Forecast, 2018 - 2030 (USD Billion)
8.1.3.2.2 Key Country Dynamics
8.1.3.2.3 Target Disease Prevalence
8.1.3.2.4 Competitive Scenario
8.1.3.2.5 Regulatory Framework
8.1.3.2.6 Reimbursment Scenario
8.1.3.3 China
8.1.3.3.1 China Market Estimates And Forecast, 2018 - 2030 (USD Billion)
8.1.3.3.2 Key Country Dynamics
8.1.3.3.3 Target Disease Prevalence
8.1.3.3.4 Competitive Scenario
8.1.3.3.5 Regulatory Framework
8.1.3.3.6 Reimbursment Scenario
8.1.3.4 India
8.1.3.4.1 India Market Estimates And Forecast, 2018 - 2030 (USD Billion)
8.1.3.4.2 Key Country Dynamics
8.1.3.4.3 Target Disease Prevalence
8.1.3.4.4 Competitive Scenario
8.1.3.4.5 Regulatory Framework
8.1.3.4.6 Reimbursment Scenario
8.1.3.5 South Korea
8.1.3.5.1 South Korea Market Estimates And Forecast, 2018 - 2030 (USD Billion)
8.1.3.5.1 Key Country Dynamics
8.1.3.5.2 Target Disease Prevalence
8.1.3.5.3 Competitive Scenario
8.1.3.5.4 Regulatory Framework
8.1.3.5.5 Reimbursment Scenario
8.1.3.6 Australia
8.1.3.6.1 Australia Market Estimates And Forecast, 2018 - 2030 (USD Billion)
8.1.3.6.2 Key Country Dynamics
8.1.3.6.3 Target Disease Prevalence
8.1.3.6.4 Competitive Scenario
8.1.3.6.5 Regulatory Framework
8.1.3.6.6 Reimbursment Scenario
8.1.4 Latin America
8.1.4.1 Latin America Market Estimates And Forecast, 2018 - 2030 (USD Billion)
8.1.4.2 Brazil
8.1.4.2.1 Brazil Market Estimates And Forecast, 2018 - 2030 (USD Billion)
8.1.4.2.2 Key Country Dynamics
8.1.4.2.3 Target Disease Prevalence
8.1.4.2.4 Competitive Scenario
8.1.4.2.5 Regulatory Framework
8.1.4.2.6 Reimbursment Scenario
8.1.5 Middle East And Africa
8.1.5.1 MIDDLE EAST & Africa market estimates and forecast, 2018 - 2030 (USD Billion)
8.1.5.2 South Africa
8.1.5.2.1 South Africa market estimates and forecast, 2018 - 2030 (USD Billion)
8.1.5.2.2 Key Country Dynamics
8.1.5.2.3 Target Disease Prevalence
8.1.5.2.4 Competitive Scenario
8.1.5.2.5 Regulatory Framework
8.1.5.2.6 Reimbursment Scenario
Chapter 9 Critical Illness Insurance Market: Company Profiling
9.1 Company Profiles
9.1.1 Allianz
9.1.1.1 Company overview
9.1.1.2 Financial performance
9.1.1.3 Product benchmarking
9.1.1.4 Strategic initiatives
9.1.2 China Life Insurance Company
9.1.2.1 Company overview
9.1.2.2 Financial performance
9.1.2.3 Product benchmarking
9.1.2.4 Strategic initiatives
9.1.3 Aflac Incorporated
9.1.3.1 Company overview
9.1.3.2 Financial performance
9.1.3.3 Product benchmarking
9.1.3.4 Strategic initiatives
9.1.4 Aegon
9.1.4.1 Company overview
9.1.4.2 Financial performance
9.1.4.3 Product benchmarking
9.1.4.4 Strategic initiatives
9.1.5 Prudential
9.1.5.1 Company overview
9.1.5.2 Financial performance
9.1.5.3 Product benchmarking
9.1.5.4 Strategic initiatives
9.1.6 AIG
9.1.6.1 Company overview
9.1.6.2 Financial performance
9.1.6.3 Product benchmarking
9.1.6.4 Strategic initiatives
9.1.7 American Fidelity
9.1.7.1 Company overview
9.1.7.2 Financial performance
9.1.7.3 Product benchmarking
9.1.7.4 Strategic initiatives
9.1.8 Aviva
9.1.8.1 Company overview
9.1.8.2 Financial performance
9.1.8.3 Product benchmarking
9.1.8.4 Strategic initiatives
9.1.9 UnitedHealthcare
9.1.9.1 Company overview
9.1.9.2 Financial performance
9.1.9.3 Product benchmarking
9.1.9.4 Strategic initiatives
9.1.10 Desjardins Group
9.1.10.1 Company overview
9.1.10.2 Financial performance
9.1.10.3 Product benchmarking
9.1.10.4 Strategic initiatives
9.2 List of Other Key Players
List of Tables
Table 1 Information Procurement
TABLE 2 Primary Research Pattern
TABLE 3 Market Research Approaches
TABLE 4 Value Chain-Based Sizing & Forecasting
TABLE 5 Market Formulation & Validation
TABLE 6 Critical Illness Insurance Market , Market Segmentation
TABLE 7 Market Driver Relevance Analysis (Current & Future Impact)
TABLE 8 Market Restraint Relevance Analysis (Current & Future Impact)
TABLE 9 Market Challenge Relevance Analysis (Current & Future Impact)
TABLE 10 Penetration & Growth Prospect Mapping
TABLE 11 SWOT Analysis, By Factor (Political & Legal, Economic and Technological)
TABLE 12 Porter’s Five Forces Analysis
TABLE 13 Market Penetration Vs Growth Prospect Mapping, 2021
TABLE 14 Regional Marketplace: Key Takeaways
TABLE 15 Global Critical Illness Insurance Market for Monthly, 2018 - 2030 (USD Billion)
TABLE 16 Global Critical Illness Insurance Market for Quarterly, 2018 - 2030 (USD Billion)
TABLE 17 Global Critical Illness Insurance Market for Half Yearly, 2018 - 2030 (USD Billion)
TABLE 18 Global Critical Illness Insurance Market for Yearly, 2018 - 2030 (USD Billion)
TABLE 19 Global Critical Illness Insurance Market for Cancer, 2018 - 2030 (USD Billion)
TABLE 20 Global Critical Illness Insurance Market for Heart Attack, 2018 - 2030 (USD Billion)
TABLE 21 Global Critical Illness Insurance Market for Stroke, 2018 - 2030 (USD Billion)
TABLE 22 Global Critical Illness Insurance Market for Major Organ Transplant, 2018 - 2030 (USD Billion)
TABLE 23 Global Critical Illness Insurance Market for Other diseases, 2018 - 2030 (USD Billion)
TABLE 24 Global Critical Illness Insurance Market for Individual Insurance, 2018 - 2030 (USD Billion)
TABLE 25 Global Critical Illness Insurance Market for Family Insurance, 2018 - 2030 (USD Billion)
TABLE 26 Regional Outlook, 2021 & 2030
TABLE 27 North America Critical Illness Insurance Market, 2018 - 2030 (USD Billion)
TABLE 28 U.S. Critical Illness Insurance Market, 2018 - 2030 (USD Billion)
TABLE 29 Canada Critical Illness Insurance Market, 2018 - 2030 (USD Billion)
TABLE 30 Europe Critical Illness Insurance Market, 2018 - 2030 (USD Billion)
TABLE 31 Germany Critical Illness Insurance Market, 2018 - 2030 (USD Billion)
TABLE 32 U.K. Critical Illness Insurance Market, 2018 - 2030 (USD Billion)
TABLE 33 Asia Pacific Critical Illness Insurance Market, 2018 - 2030 (USD Billion)
TABLE 34 Japan Critical Illness Insurance Market, 2018 - 2030 (USD Billion)
TABLE 35 China Critical Illness Insurance Market, 2018 - 2030 (USD Billion)
TABLE 36 India Critical Illness Insurance Market, 2018 - 2030 (USD Billion)
TABLE 37 Australia Critical Illness Insurance Market, 2018 - 2030 (USD Billion)
TABLE 38 South Korea Critical Illness Insurance Market, 2018 - 2030 (USD Billion)
TABLE 39 Latin America Critical Illness Insurance Market, 2018 - 2030 (USD Billion)
TABLE 40 Brazil Critical Illness Insurance Market, 2018 - 2030 (USD Billion)
TABLE 41 Middle East and Africa Critical Illness Insurance Market, 2018 - 2030 (USD Billion)
TABLE 42 South Africa Critical Illness Insurance Market, 2018 - 2030 (USD Billion)
List of Figures
Fig. 1 List of Secondary Sources
FIG. 2 List of Abbreviations
FIG. 3 Global Critical Illness Insurance Market by Premium Type, 2018 - 2030 (USD Billion)
FIG. 4 Global Critical Illness Insurance Market by Disease, 2018 - 2030 (USD Billion)
FIG. 5 Global Critical Illness Insurance Market by Type, 2018 - 2030 (USD Billion)
FIG. 6 Global Critical Illness Insurance Market by Region, 2018 - 2030 (USD Billion)
FIG. 7 North America Critical Illness Insurance Market by Country, 2018 - 2030 (USD Billion)
FIG. 8 North America Critical Illness Insurance Market by Premium Type, 2018 - 2030 (USD Billion)
FIG. 9 North America Critical Illness Insurance Market by Disease, 2018 - 2030 (USD Billion)
FIG. 10 North America Critical Illness Insurance Market by Type, 2018 - 2030 (USD Billion)
FIG. 11 U.S. Critical Illness Insurance Market by Premium Type, 2018 - 2030 (USD Billion)
FIG. 12 U.S. Critical Illness Insurance Market by Disease, 2018 - 2030 (USD Billion)
FIG. 13 U.S. Critical Illness Insurance Market by Type, 2018 - 2030 (USD Billion)
FIG. 14 Canada Critical Illness Insurance Market by Premium Type, 2018 - 2030 (USD Billion)
FIG. 15 Canada Critical Illness Insurance Market by Disease, 2018 - 2030 (USD Billion)
FIG. 16 Canada Critical Illness Insurance Market by Type, 2018 - 2030 (USD Billion)
FIG. 17 Europe Critical Illness Insurance Market by Country, 2018 - 2030 (USD Billion)
FIG. 18 Europe Critical Illness Insurance Market by Premium Type, 2018 - 2030 (USD Billion)
FIG. 19 Europe Critical Illness Insurance Market by Disease, 2018 - 2030 (USD Billion)
FIG. 20 Europe Critical Illness Insurance Market by Type, 2018 - 2030 (USD Billion)
FIG. 21 Germany Critical Illness Insurance Market by Premium Type, 2018 - 2030 (USD Billion)
FIG. 22 Germany Critical Illness Insurance Market by Disease, 2018 - 2030 (USD Billion)
FIG. 23 Germany Critical Illness Insurance Market by Type, 2018 - 2030 (USD Billion)
FIG. 24 U.K. Critical Illness Insurance Market by Premium Type, 2018 - 2030 (USD Billion)
FIG. 25 U.K. Critical Illness Insurance Market by Disease, 2018 - 2030 (USD Billion)
FIG. 26 U.K. Critical Illness Insurance Market by Type, 2018 - 2030 (USD Billion)
FIG. 27 Asia Pacific Critical Illness Insurance Market by Country, 2018 - 2030 (USD Billion)
FIG. 28 Asia Pacific Critical Illness Insurance Market by Premium Type, 2018 - 2030 (USD Billion)
FIG. 29 Asia Pacific Critical Illness Insurance Market by Disease, 2018 - 2030 (USD Billion)
FIG. 30 Asia Pacific Critical Illness Insurance Market by Type, 2018 - 2030 (USD Billion)
FIG. 31 China Critical Illness Insurance Market by Premium Type, 2018 - 2030 (USD Billion)
FIG. 32 China Critical Illness Insurance Market by Disease, 2018 - 2030 (USD Billion)
FIG. 33 China Critical Illness Insurance Market by Type, 2018 - 2030 (USD Billion)
FIG. 34 Japan Critical Illness Insurance Market by Premium Type, 2018 - 2030 (USD Billion)
FIG. 35 Japan Critical Illness Insurance Market by Disease, 2018 - 2030 (USD Billion)
FIG. 36 Japan Critical Illness Insurance Market by Type, 2018 - 2030 (USD Billion)
FIG. 37 India Critical Illness Insurance Market by Premium Type, 2018 - 2030 (USD Billion)
FIG. 38 India Critical Illness Insurance Market by Disease, 2018 - 2030 (USD Billion)
FIG. 39 India Critical Illness Insurance Market by Type, 2018 - 2030 (USD Billion)
FIG. 40 South Korea Critical Illness Insurance Market by Premium Type, 2018 - 2030 (USD Billion)
FIG. 41 South Korea Critical Illness Insurance Market by Disease, 2018 - 2030 (USD Billion)
FIG. 42 South Korea Critical Illness Insurance Market by Type, 2018 - 2030 (USD Billion)
FIG. 43 Australia Critical Illness Insurance Market by Premium Type, 2018 - 2030 (USD Billion)
FIG. 44 Australia Critical Illness Insurance Market by Disease, 2018 - 2030 (USD Billion)
FIG. 45 Australia Critical Illness Insurance Market by Type, 2018 - 2030 (USD Billion)
FIG. 46 Latin America Critical Illness Insurance Market by Country, 2018 - 2030 (USD Billion)
FIG. 47 Latin America Critical Illness Insurance Market by Premium Type, 2018 - 2030 (USD Billion)
FIG. 48 Latin America Critical Illness Insurance Market by Disease, 2018 - 2030 (USD Billion)
FIG. 49 Latin America Critical Illness Insurance Market by Type, 2018 - 2030 (USD Billion)
FIG. 50 Brazil Critical Illness Insurance Market by Premium Type, 2018 - 2030 (USD Billion)
FIG. 51 Brazil Critical Illness Insurance Market by Disease, 2018 - 2030 (USD Billion)
FIG. 52 Brazil Critical Illness Insurance Market by Type, 2018 - 2030 (USD Billion)
FIG. 53 Middle East & Africa Critical Illness Insurance Market by Country, 2018 - 2030 (USD Billion)
FIG. 54 Middle East & Africa Critical Illness Insurance Market by Premium Type, 2018 - 2030 (USD Billion)
FIG. 55 Middle East & Africa Critical Illness Insurance Market by Disease, 2018 - 2030 (USD Billion)
FIG. 56 Middle East & Africa Critical Illness Insurance Market by Type, 2018 - 2030 (USD Billion)
FIG. 57 South Africa Critical Illness Insurance Market by Premium Type, 2018 - 2030 (USD Billion)
FIG. 58 South Africa Critical Illness Insurance Market by Disease, 2018 - 2030 (USD Billion)
Companies Mentioned
- Allianz
- China Life Insurance Company
- Aflac Incorporated
- Aegon
- Prudential
- AIG
- American Fidelity
- Aviva
- UnitedHealthcare
- Desjardins Group
Methodology
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Table Information
| Report Attribute | Details |
|---|---|
| No. of Pages | 149 |
| Published | March 2023 |
| Forecast Period | 2022 - 2030 |
| Estimated Market Value ( USD | $ 350.02 Billion |
| Forecasted Market Value ( USD | $ 594.71 Billion |
| Compound Annual Growth Rate | 7.0% |
| Regions Covered | Global |
| No. of Companies Mentioned | 10 |
