查看購物車
  • Simplified Chinese
  • English
  • Japanese
  • Korean
封面
市場調查報告書
商品編碼
1851764

保險科技：市場佔有率分析、產業趨勢、統計數據和成長預測（2025-2030 年）

Insurtech - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2025 - 2030)
出版日期: | 出版商: Mordor Intelligence | 英文 150 Pages | 商品交期: 2-3個工作天內

價格

※ 本網頁內容可能與最新版本有所差異。詳細情況請與我們聯繫。

簡介目錄

2025 年保險科技市場價值為 1.19 兆美元，預計到 2030 年將成長至 2.19 兆美元，複合年成長率為 13.00%。

保險科技市場-IMG1

這種快速成長反映了保險公司在保單設計、銷售和服務方式上的結構性轉變，數位化優先體驗已成為主流。雲端原生轉型、人工智慧驅動的承保和嵌入式保險已從試點階段發展成為企業標準，使保險公司能夠降低營運成本、加快產品上市速度並拓展新的客戶群。與行動和物聯網平台的策略夥伴關係也在重新定義汽車和產物保險的風險評估。如今，競爭優勢不僅取決於資產負債表的規模，還取決於資料取得、平台敏捷性以及將保險無縫融入非保險消費行為的能力。

全球保險科技市場趨勢與洞察

人工智慧和機器學習在核保和理賠領域的應用日益廣泛

人工智慧驅動的決策引擎如今已實現保單簽發和理賠流程的大部分自動化，從而縮短了平均處理時間並提高了預測準確性。瑞士再保險公司報告稱，透過將其理賠分析遷移到微軟Azure，該公司實現了顯著的基礎設施自動化，並將核保時間縮短了一半。掌握了利用自身資料集進行監督學習的保險公司將獲得核保優勢，並協助競爭對手加快資料工程藍圖的推進。由於風險可以即時定價，這項技術也釋放了新型微型保險產品的潛力，例如基於使用量的出行保險。隨著監管機構對可解釋模型的日益熟悉，預計人工智慧在個人汽車保險、小型商業保險和網路保險領域的應用將最為迅速。在雲端市場上提供預訓練模式的供應商生態系統將進一步降低採用門檻。

對個人化、按需保險產品的需求日益成長

消費者越來越希望保險流程能像電商結帳一樣便捷，讓他們可以像添加商品到購物車一樣輕鬆地選擇保額和期限。安聯與 Cosmo Connected 的合作，將意外險嵌入智慧頭盔中，並以固定的月費形式提供保障，這表明物聯網資料如何無需紙本文件即可自動啟動保單。參數化產品也在旅遊、農業、氣候變遷風險等領域填補類似的空白。提供健康指導和網路安全監控等附加價值服務的平台，由於其提案更貼近日常需求，續保率也隨之提高。這種轉變正迫使保險公司重新建構傳統的保單管理平台，以便動態調整附加條款和保額，並擺脫固定的年度合約模式。

遺留核心系統整合的複雜性

使用了數十年的老舊大型主機通常缺乏現代化的應用程式介面（API），導致即時資料交換成本高且風險巨大。這使得保險公司必須在徹底更換系統和分階段升級改造之間做出權衡。轉型失敗可能導致保單簽發和理賠停滯、客戶信心受損以及監管機構的審查。此外，由於需要遵守資料沿襲和審核追蹤等合規要求，整合計劃也會產生隱性成本。因此，一些現有保險公司選擇與待開發區營業單位合作，而不是對其核心系統維修，從而延緩了自身組織的數位轉型進程。

細分市場分析

產物保險將佔據保險科技收入的大部分，到2024年市佔率將達到59.12%。然而，包括網路保險、寵物保險、船舶保險和旅遊保險在內的專業險種預計將實現最快的保費成長，到2030年複合年成長率將達到19.34%。嵌入式物聯網感測器和參數觸發器使專業險種能夠避免傳統的理賠延遲，從而創造更優質的客戶體驗，進而獲得更高的利潤率。像AXA XL這樣的保險公司已經推出了基於生成式人工智慧的網路保險，以應對企業採用人工智慧帶來的資料密集風險。小眾風險的激增將使專門食品險種創新者能夠佔據主導地位，這意味著這些險種的保險科技市場規模將在預測期內顯著擴大。

同時，現有產物保險正利用遠端資訊處理技術來提高定價的準確性，但其龐大的歷史業務組合為變革管理帶來了挑戰。人壽和健康保險公司正嘗試利用雲端平台加快核保速度，但日益嚴格的死亡率和發病率監管法規使其發展速度慢於不受監管的專業險種。再保險公司正透過與網路管理代理商 (MGA) 合作收集獨特的理賠資料集，加速提升投資組合建模的準確性。鑑於各家公司的發展軌跡各不相同，投資者可能會將資金配置轉向那些展現出強大風險控制能力和可擴展分銷結構的專業保險公司。

區域分析

北美將在2024年維持37.79%的保險科技市場佔有率，這得益於充足的創業投資和成熟的創新中心。各州層級的監管競爭，例如肯塔基州的保險創新沙盒計劃，加速了試點計畫的推進，這些計畫一旦概念驗證結果達到償付能力標準，通常會在全國推廣。美國汽車保險公司繼續率先採用遠端資訊處理技術，而加拿大保險公司則正在採用雲端原生保單管理系統來克服地理服務分散的問題。慕尼黑再保險公司以26億美元收購Next Insurance標誌著其正式進軍美國主險業務。儘管市場成熟度將限制其快速成長，但北美保險公司將透過降低營運成本和交叉銷售網路安全和身分保護等輔助服務來確保利潤。

預計到2030年，亞太地區的保險市場將以每年16.78%的速度成長。該地區受益於智慧型手機的高普及率、政府支持的金融科技政策以及對舊有系統的抵觸情緒較低。中國和印度已放寬外資持股限制，鼓勵全球保險公司在區域資料中心的超大規模雲端平台部署人工智慧承保引擎。新加坡金融管理局正在經營一個完善的監管沙盒，並頒發涵蓋人壽保險、產物保險和健康保險的數位混合牌照，從而加速區域規模化發展。日本保險公司正在利用人工智慧驅動的年金定價來應對長壽風險，而韓國平台正在將基於使用量的出行保險整合到叫車超級應用中。較低的保險普及率為首次投保者留下了充足的市場空間，而與電商購物捆綁銷售的嵌入式微額保險，即使保費較低，也正在推動保單量的成長。

在符合GDPR的資料管治架構的推動下，歐洲經濟持續維持個位數穩定成長。即將訂定的歐盟資料法強制要求車輛資料存取標準化，這將進一步刺激遠端資訊處理產品的創新。英國在脫歐後致力於提升監管彈性，加速產品核准速度，同時維持與償付能力II同等的跨國資本減免監管。德國的工業基礎推動了對先進商業和網路風險解決方案的需求，而法國龐大的個人保險市場則為行為模式的定價模式提供了規模經濟支持。在環境、社會和治理（ESG）資訊揭露監管日益嚴格的背景下，歐洲保險公司正在創新農業和可再生能源計劃的參數化氣候風險保險，建構可推廣至其他地區的框架。

拉丁美洲和中東/非洲地區仍在發展中，但前景廣闊。巴西、肯亞和奈及利亞的行動支付生態系統正在繞過傳統的代理商網路，將小額意外和住院現金產品打包銷售。政府對個人的付款管道正在提供即時保費收取管道，並降低小額產品的風險。加勒比海和東非的主權風險池正在採用參數化的颶風和乾旱解決方案，可在24小時內提取緊急資金，檢驗該方案在更廣泛的災害市場中的可行性。國際發展機構通常會共同承保初始投資組合，並鼓勵私人保險公司在損失頻率模型成熟後加入。

其他福利：

  • Excel格式的市場預測（ME）表
  • 3個月的分析師支持

目錄

第1章 引言

  • 研究假設和市場定義
  • 調查範圍

第2章調查方法

第3章執行摘要

第4章 市場情勢

  • 市場概覽
  • 市場促進因素
    • 人工智慧和機器學習在核保和理賠領域的應用日益廣泛
    • 對個人化、按需保險產品的需求日益成長
    • 向雲端原生核心系統的轉變正在推進。
    • 監理沙盒加速產品上市
    • 與行動和物聯網平台的數據鏈接
    • 嵌入式分散式模型的快速成長
  • 市場限制
    • 遺留核心系統整合的複雜性
    • 法規和合規性分散
    • MGA再保險能力限制
    • 投資人將關注點從「不惜一切代價追求成長」轉向「盈利」。
  • 價值/供應鏈分析
  • 監管環境
  • 技術展望
  • 波特五力模型
    • 買方的議價能力
    • 供應商的議價能力
    • 新進入者的威脅
    • 替代品的威脅
    • 競爭對手之間的競爭
  • 投資和資金籌措狀況
  • Start-Ups生態系分析

第5章 市場規模與成長預測

  • 按產品線（保險類型）
    • 人壽保險
    • 健康保險
    • 產物保險：汽車保險、房屋保險、商業責任險、責任保險等。
    • 專業險種（網路安全、寵物、船舶、旅遊等）
  • 透過分銷管道
    • 直接面對消費者 (D2C) 數字
    • 聚合平台/市場
    • 數位仲介/管理總代理
    • 嵌入式保險平台
    • 傳統代理人/仲介（數位轉型）
    • 銀行保險（數位化）
    • 其他頻道
  • 最終用戶
    • 零售/個人
    • 小型企業/商業
    • 大型公司/企業
    • 政府/公共部門
  • 按地區分類（金額，十億美元）
    • 北美洲
      • 加拿大
      • 美國
      • 墨西哥
    • 南美洲
      • 巴西
      • 秘魯
      • 智利
      • 阿根廷
      • 其他南美洲
    • 歐洲
      • 英國
      • 德國
      • 法國
      • 西班牙
      • 義大利
      • 比荷盧經濟聯盟（比利時、荷蘭、盧森堡）
      • 北歐國家（丹麥、芬蘭、冰島、挪威、瑞典）
      • 其他歐洲地區
    • 亞太地區
      • 印度
      • 中國
      • 日本
      • 澳洲
      • 韓國
      • 東南亞（新加坡、馬來西亞、泰國、印尼、越南、菲律賓）
      • 亞太其他地區
    • 中東和非洲
      • 阿拉伯聯合大公國
      • 沙烏地阿拉伯
      • 南非
      • 奈及利亞
      • 其他中東和非洲地區

第6章 競爭情勢

  • 市場集中度
  • 策略舉措與發展
  • 市佔率分析
  • 公司簡介
    • Lemonade
    • Hippo Insurance
    • Root Insurance
    • Oscar Health
    • Bright Health
    • Clover Health
    • Next Insurance
    • ZhongAn
    • Wefox
    • Alan
    • Devoted Health
    • Coalition
    • Slice Labs
    • Metromile
    • PolicyBazaar
    • Digit Insurance
    • ManyPets
    • Pie Insurance
    • Doma
    • Kin Insurance

第7章 市場機會與未來展望

簡介目錄
Product Code: 65999

The insurtech market is currently valued at USD 1.19 trillion in 2025 and is forecast to expand to USD 2.19 trillion by 2030, registering a 13.00% CAGR.

Insurtech - Market - IMG1

The sharp growth reflects a structural change in how insurers design, distribute, and service policies as digital-first experiences become table stakes. Cloud-native migrations, AI-enabled underwriting, and embedded insurance have shifted from pilot initiatives to enterprise standards, allowing carriers to cut operating costs, improve speed-to-market, and reach new customer segments. Government sandboxes in more than a dozen jurisdictions have accelerated solution rollouts, while strategic partnerships with mobility and IoT platforms are redefining risk assessment in auto and property lines. Competitive differentiation now rests on data access, platform agility, and the ability to embed coverage seamlessly into non-insurance purchase journeys, rather than on balance-sheet scale alone.

Global Insurtech Market Trends and Insights

Rising adoption of AI & ML for underwriting and claims

AI-driven decision engines now automate large portions of policy issuance and claims triage, shrinking average handling times and improving predictive accuracy. Swiss Re reported that shifting its claims analytics to Microsoft Azure enabled the majority of infrastructure automation, cutting assessment time in half. Insurers that master supervised learning on proprietary datasets gain defensible underwriting moats, pushing competitors to accelerate data-engineering roadmaps. The technology also unlocks new micro-duration products, such as usage-based mobility cover, because risk can be priced in real time. As regulators grow comfortable with explainable models, AI penetration is expected to rise fastest in personal auto, small commercial, and cyber lines. Vendor ecosystems offering pre-trained models on cloud marketplaces further lower adoption barriers.

Growing demand for personalized, on-demand insurance products

Consumers increasingly expect insurance to mimic e-commerce checkout flows, selecting coverage amounts and durations as easily as adding items to a cart. Allianz's partnership with Cosmo Connected embeds accident coverage in connected helmets for a fixed monthly fee, illustrating how IoT data can trigger automatic policy activation without paperwork . Parametric products are likewise filling gaps in travel, agriculture, and climate risk because they pay when predefined triggers hit, sidestepping lengthy claims adjustment. Marketplaces that bundle ancillary value-added services, such as health coaching or cyber monitoring, see higher renewal rates because propositions resonate with everyday needs. This shift forces carriers to re-platform legacy policy administration so riders and limits can adjust dynamically, moving away from static annual contracts.

Legacy core-system integration complexity

Decades-old mainframes often lack modern APIs, making real-time data exchange expensive and risky. Carriers, therefore, face a trade-off between wholesale replacement and piecemeal wrap-and-renew approaches. Failed conversions can stall policy issuance or claims payouts, eroding customer trust and drawing regulator scrutiny. Integration projects also carry hidden costs when data lineage and audit trails need preservation for compliance. As a result, some incumbents partner with greenfield entities instead of renovating core estates, slowing digital change within the mothership.

Other drivers and restraints analyzed in the detailed report include:

  1. Increasing migration to cloud-native core systems
  2. Regulatory sandboxes accelerating product launches
  3. Regulatory and compliance fragmentation

For complete list of drivers and restraints, kindly check the Table Of Contents.

Segment Analysis

Property & Casualty dominated revenue with a 59.12% insurtech market share in 2024, reflecting entrenched auto and homeowner demand foundations. Nonetheless, Specialty Lines, encompassing cyber, pet, marine, and travel, are forecast to expand at a 19.34% CAGR through 2030, delivering the fastest incremental premium. Embedded IoT sensors and parametric triggers allow Specialty products to circumvent traditional loss-adjustment delays, creating superior customer experiences that command higher margins. Carriers such as AXA XL have already debuted generative-AI cyber covers to address data-poisoning exposures arising from enterprise AI rollouts. As niche risks proliferate, Specialty innovators can capture outsized wallet-share increases, suggesting the insurtech market size for these lines will compound materially over the forecast window.

Property & Casualty incumbents, meanwhile, leverage telematics to reclaim pricing precision, yet their extensive legacy books create change-management headwinds. Life and Health insurers pilot accelerated underwriting on cloud platforms, but stricter mortality and morbidity regulations temper speed relative to non-regulated specialty covers. Reinsurers increasingly partner with cyber MGAs to collect proprietary claims datasets, improving portfolio modelling accuracy. Given the divergent growth curves, investors may shift capital allocations toward Specialty underwriters that demonstrate robust risk controls and scalable distribution frameworks.

The Insurtech Market Report is Segmented by Product Line (Insurance Type) (Life Insurance, Health Insurance, and More), Distribution Channel (Direct-To-Consumer (D2C) Digital, Aggregators/Marketplaces, and More), End User (Retail/Individual, SME/Commercial, and More), and Geography (North America, South America, and More). The Market Forecasts are Provided in Terms of Value (USD).

Geography Analysis

North America retained 37.79% insurtech market share in 2024, benefiting from deep venture capital pools and established innovation hubs. State-level regulatory competition, exemplified by the Kentucky Insurance Innovation Sandbox, accelerates pilots that often expand nationwide after proof-of-concept results meet solvency criteria. US auto insurers remain early adopters of telematics, while Canadian carriers deploy cloud-native policy administration to overcome geographic service dispersion. M&A activity intensifies as incumbents buy capabilities; Munich Re's USD 2.6 billion purchase of Next Insurance marked a notable 2025 expansion into US primary lines. Although market maturity constrains headline growth, North American carriers drive profit through operating expense reductions and cross-selling of ancillary cyber and identity-protection bundles.

Asia-Pacific, forecast to grow 16.78% annually to 2030, benefits from high smartphone penetration, government-backed fintech policies, and limited legacy system drag. China and India liberalised foreign ownership caps, encouraging global insurers to localise AI underwriting engines on hyperscale clouds with regional data centres. Singapore's Monetary Authority operates a well-defined sandbox and grants digital composite licences that cover life, general, and health, accelerating regional scaling. Japanese carriers tackle longevity risk with AI-enabled annuity pricing, and South Korean platforms integrate usage-based mobility cover into ride-hailing super-apps. Lower insurance penetration leaves ample headroom for first-time buyers, so embedded micro-policies sold alongside e-commerce purchases drive volume even at modest ticket sizes.

Europe sustains steady single-digit growth anchored by GDPR-aligned data-governance frameworks, which give local insurtechs credibility on privacy. The forthcoming EU Data Act will mandate standardised vehicle data access, further catalysing telematics product innovation. The UK pursues post-Brexit regulatory agility, enabling faster product approvals while remaining Solvency II-equivalent for cross-border capital relief. Germany's industrial base spurs demand for advanced commercial and cyber risk solutions, whereas France's sizeable personal-lines market supports scale economics for behavioural-based pricing. As ESG disclosure rules tighten, European carriers innovate parametric climate-risk covers for agriculture and renewable-energy projects, creating exportable frameworks for other regions.

South America along with the Middle East & Africa remain nascent but promising. Mobile-money ecosystems in Brazil, Kenya, and Nigeria increasingly bundle micro-accident and hospital-cash products, leapfrogging traditional agency networks. Government-to-person payment platforms provide instant premium-collection rails, de-risking small-ticket offerings. Sovereign risk pools in the Caribbean and East Africa adopt parametric hurricane and drought solutions that trigger emergency funds within 24 hours, validating proof of concept for broader disaster markets. International development agencies often co-underwrite early portfolios, encouraging private carriers to enter once loss-frequency models mature.

  1. Lemonade
  2. Hippo Insurance
  3. Root Insurance
  4. Oscar Health
  5. Bright Health
  6. Clover Health
  7. Next Insurance
  8. ZhongAn
  9. Wefox
  10. Alan
  11. Devoted Health
  12. Coalition
  13. Slice Labs
  14. Metromile
  15. PolicyBazaar
  16. Digit Insurance
  17. ManyPets
  18. Pie Insurance
  19. Doma
  20. Kin Insurance

Additional Benefits:

  • The market estimate (ME) sheet in Excel format
  • 3 months of analyst support

TABLE OF CONTENTS

1 Introduction

  • 1.1 Study Assumptions & Market Definition
  • 1.2 Scope of the Study

2 Research Methodology

3 Executive Summary

4 Market Landscape

  • 4.1 Market Overview
  • 4.2 Market Drivers
    • 4.2.1 Rising adoption of AI & ML for underwriting & claims
    • 4.2.2 Growing demand for personalized, on-demand insurance products
    • 4.2.3 Increasing migration to cloud-native core systems
    • 4.2.4 Regulatory sandboxes accelerating product launches
    • 4.2.5 Data partnerships with mobility & IoT platforms
    • 4.2.6 Rapid growth of embedded distribution models
  • 4.3 Market Restraints
    • 4.3.1 Legacy core-system integration complexity
    • 4.3.2 Regulatory & compliance fragmentation
    • 4.3.3 Re-insurance capacity constraints for MGAs
    • 4.3.4 Investor pivot from "growth at all costs" to profitability
  • 4.4 Value / Supply-Chain Analysis
  • 4.5 Regulatory Landscape
  • 4.6 Technological Outlook
  • 4.7 Porter's Five Forces
    • 4.7.1 Bargaining Power of Buyers
    • 4.7.2 Bargaining Power of Suppliers
    • 4.7.3 Threat of New Entrants
    • 4.7.4 Threat of Substitutes
    • 4.7.5 Competitive Rivalry
  • 4.8 Investment & Funding Landscape
  • 4.9 Start-up Ecosystem Analysis

5 Market Size & Growth Forecasts

  • 5.1 By Product Line (Insurance Type)
    • 5.1.1 Life Insurance
    • 5.1.2 Health Insurance
    • 5.1.3 Property & Casualty (P&C): Motor, Home, Commercial, Liability, etc.
    • 5.1.4 Specialty Lines (e.g., cyber, pet, marine, travel)
  • 5.2 By Distribution Channel
    • 5.2.1 Direct-to-Consumer (D2C) Digital
    • 5.2.2 Aggregators/Marketplaces
    • 5.2.3 Digital Brokers/MGAs
    • 5.2.4 Embedded Insurance Platforms
    • 5.2.5 Traditional Agents/Brokers (digitally enabled)
    • 5.2.6 Bancassurance (digitally enabled)
    • 5.2.7 Other Channels
  • 5.3 By End User
    • 5.3.1 Retail/Individual
    • 5.3.2 SME/Commercial
    • 5.3.3 Large Enterprise/Corporate
    • 5.3.4 Government/Public Sector
  • 5.4 By Geography (Value, USD Bn)
    • 5.4.1 North America
      • 5.4.1.1 Canada
      • 5.4.1.2 United States
      • 5.4.1.3 Mexico
    • 5.4.2 South America
      • 5.4.2.1 Brazil
      • 5.4.2.2 Peru
      • 5.4.2.3 Chile
      • 5.4.2.4 Argentina
      • 5.4.2.5 Rest of South America
    • 5.4.3 Europe
      • 5.4.3.1 United Kingdom
      • 5.4.3.2 Germany
      • 5.4.3.3 France
      • 5.4.3.4 Spain
      • 5.4.3.5 Italy
      • 5.4.3.6 BENELUX (Belgium, Netherlands, Luxembourg)
      • 5.4.3.7 NORDICS (Denmark, Finland, Iceland, Norway, Sweden)
      • 5.4.3.8 Rest of Europe
    • 5.4.4 Asia-Pacific
      • 5.4.4.1 India
      • 5.4.4.2 China
      • 5.4.4.3 Japan
      • 5.4.4.4 Australia
      • 5.4.4.5 South Korea
      • 5.4.4.6 South East Asia (Singapore, Malaysia, Thailand, Indonesia, Vietnam, and Philippines)
      • 5.4.4.7 Rest of Asia-Pacific
    • 5.4.5 Middle East & Africa
      • 5.4.5.1 United Arab Emirates
      • 5.4.5.2 Saudi Arabia
      • 5.4.5.3 South Africa
      • 5.4.5.4 Nigeria
      • 5.4.5.5 Rest of Middle East & Africa

6 Competitive Landscape

  • 6.1 Market Concentration
  • 6.2 Strategic Moves & Developments
  • 6.3 Market Share Analysis
  • 6.4 Company Profiles (includes Global level Overview, Market level overview, Core Segments, Financials as available, Strategic Information, Market Rank/Share for key companies, Products & Services, and Recent Developments)
    • 6.4.1 Lemonade
    • 6.4.2 Hippo Insurance
    • 6.4.3 Root Insurance
    • 6.4.4 Oscar Health
    • 6.4.5 Bright Health
    • 6.4.6 Clover Health
    • 6.4.7 Next Insurance
    • 6.4.8 ZhongAn
    • 6.4.9 Wefox
    • 6.4.10 Alan
    • 6.4.11 Devoted Health
    • 6.4.12 Coalition
    • 6.4.13 Slice Labs
    • 6.4.14 Metromile
    • 6.4.15 PolicyBazaar
    • 6.4.16 Digit Insurance
    • 6.4.17 ManyPets
    • 6.4.18 Pie Insurance
    • 6.4.19 Doma
    • 6.4.20 Kin Insurance

7 Market Opportunities & Future Outlook

  • 7.1 White-space & Unmet-Need Assessment