新加坡保險科技：市場佔有率分析、產業趨勢與統計及成長預測（2026-2031）

根據 Mordor Intelligence 的數據，新加坡保險科技市場（按投資額計算）在 2025 年的價值為 1.5399 億美元，預計到 2031 年將達到 2.523 億美元，而 2026 年為 1.672 億美元，預測期（2026-2031 年）的複合年成長率為 8.5.58%。

本報告按保險類型（人壽保險、產物保險）、分銷管道（直接面對消費者銷售、中介機構、嵌入式管道）和地區（新加坡）進行細分。市場預測以美元計價。

新加坡保險科技市場趨勢與洞察

數位化進程的推進和智慧型手機的普及

新加坡的電信基礎設施為數位保險銷售奠定了堅實的基礎。到2025年1月，行動連線將達到162.6%，無線寬頻用戶將達到182.2%。金融和保險業將為更廣泛的數位經濟做出貢獻，預計到2024年將達到996.5億美元（約1,281億新元），佔GDP的18.6%，這表明客戶體驗正穩步轉向數位化介面。以當前平均外匯計算，這相當於948億美元。到2025年，覆蓋全國的獨立5G網路將實現遠端資訊處理、基於電腦視覺的理賠評估以及處理時間更短的安全行動應用程式。這些基礎設施優勢將透過大規模推動即時數據收集、決策和服務流程，增強新加坡的保險科技市場。

監理支援和MAS舉措

有針對性的公共資金和監管設計正在促進在可控風險下進行實地測試。新加坡金融管理局（MAS）的金融科技監管沙盒、快速沙盒和加強沙盒為此提供了支持，這些沙盒擴大了受控試點項目和非典型模型（例如嵌入式保險和參數型保險）的准入範圍。金融業技術創新3.0計畫已撥款1.168億美元（1.5億新元）用於全產業能力建設，並將在2024年追加7,790萬美元（1億新元）用於量子技術和人工智慧需求，進一步推動整個系統朝向安全且可解釋的自動化方向發展。 2025年11月發布的《人工智慧風險管理指南》徵求意見稿表明，管理方式將從基於原則的方法轉向生命週期管理，並呼籲建立清晰的人工智慧清單、風險評估和監督機制。提交意見的截止日期為2026年1月31日。這種監管方式的演變透過為演算法使用設定可預測的指導方針和推廣安全的部署管道，提高了新加坡保險科技市場的透明度。

與網路安全和資料隱私相關的風險

威脅活動依然嚴峻，2024年勒索軟體事件和網路釣魚攻擊預計將增加，而2025年供應鏈漏洞將反覆暴露，影響保險公司和銀行。 2025年5月，Income Insurance揭露了一起涉及第三方供應商的資料外洩事件，該事件影響了至少146名保單持有人的個人信息，凸顯了加強供應商風險管理和事件回應程序的重要性。 2025年4月，兩家銀行報告了因服務供應商導致的客戶資料外洩事件，顯示當保險公司核心系統以外的控制措施失效時，相互依賴關係會如何放大不利影響。資料密集型服務對合規性和資本規劃的需求日益成長，《個人資料保護法》（PDPA）規定，在指定情況下，資料外洩事件必須在72小時內通知，罰款最高可達年收入的10%或78萬美元（100萬新元），以較高者為準。鑑於這些監管和營運方面的現實情況，新加坡的保險科技市場必須優先考慮以身分為中心的安全性和資料最小化，以在規模和韌性之間取得平衡。

細分市場分析

預計到2025年，財產及產物保險將佔市場規模的63.50%，並在2031年之前以10.65%的複合年成長率成長。這反映了網路保險、旅遊保險和設備保護產品（與行動商務和旅遊環境相關）的加速普及。全球保險公司正透過合作夥伴生態系統不斷擴展嵌入式服務的交付，近期平台趨勢凸顯了自動理賠觸發和應用內證據收集功能，這些功能可縮短理賠週期。零售、旅遊和設備通路的靈活分銷能力，使得產物保險產品線在新加坡能夠更頻繁地觸達客戶。隨著多產品平台日趨成熟，新加坡的保險科技市場正不斷提升其基於客戶行為訊號進行保險產品捆綁和交叉銷售的能力。隨著資料存取和授權架構的完善以及情境化分銷的演進，產物保險可望在短期內受益。

到2025年，人壽保險仍將佔據剩餘價值的大部分，並將繼續面臨漫長的發展週期帶來的挑戰，但主要成熟公司在核保、理賠處理和保單管理的數位化方面正取得進展。在醫療理賠分診中使用先進的分析技術，展現出在不影響監管的前提下釋放資源、提高速度的潛力。隨著新加坡人口老化，健康保險和保障型保險的重要性日益凸顯，將人工管道與數位化諮詢結合，可以改善財務規劃的效果。在新加坡的保險科技市場，隨著人壽保險產品透過附加險和健康相關福利而多元化，透明度和行動優先體驗成為維持客戶參與的優先事項。預計人壽保險領域的短期重點仍將放在營運自動化、簡化分銷管道以及在監管準則範圍內負責任地整合數據。

其他好處

• 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 市場狀況

• 市場概覽
• 市場促進因素
  • 數位化進程的推進和智慧型手機的普及
  • 監理支援和MAS舉措
  • 對個人化保險解決方案的需求
  • 促進人工智慧、機器學習和進階分析技術的應用。
  • 支持金融科技的法規環境
  • 增加對保險科技企業的投資
• 市場限制因素
  • 與網路安全和資料隱私相關的風險
  • 監理合規的複雜性
  • 傳統保險公司對數位化模式的抵制
  • 某些細分市場的消費者意識較低
• 影響市場的宏觀經濟與產業指標
• 技術分析
• 產業價值鏈分析
• 波特五力分析

第5章 市場規模與成長預測

• 保險類型
  • 人壽保險
  • 產物保險
• 透過分銷管道
  • 直接向消費者銷售
  • 經紀
  • 嵌入式

第6章 競爭情勢

• 市場集中度
• 策略趨勢
• 市佔率分析
• 公司簡介
  • AIA Group
  • Nippon Life Group
  • Life Insurance Corporation of India（LIC）
  • China Life Insurance Group
  • Ping An Insurance Group
  • Prudential plc
  • Manulife Financial Group
  • Dai-ichi Life Group
  • Meiji Yasuda Life Group
  • Tokio Marine Group
  • MS&AD Insurance Group
  • Samsung Life Insurance Group
  • HDFC Life Group
  • Sun Life Financial Group
  • HSBC Life Group
  • Aviva Group
  • TAL Group
  • AMP Group
  • Muang Thai Life Assurance Group
  • Hong Leong Financial Group

第7章 市場機會與未來展望

According to Mordor Intelligence, the Singapore insurtech market size in terms of investment value was valued at USD 153.99 million in 2025 and is estimated to grow from USD 167.20 million in 2026 to reach USD 252.30 million by 2031, at a CAGR of 8.58% during the forecast period (2026-2031).

This report is Segmented by Insurance Type (Life Insurance, Non-Life Insurance), Distribution Channel (Direct To Consumer, Intermediate, Embedded), and Geography (Singapore). The Market Forecasts are Provided in Terms of Value (USD).

Singapore Insurtech Market Trends and Insights

Digital Adoption & Smartphone Penetration

Singapore's connectivity provides a strong foundation for digital insurance distribution, with mobile connections reaching 162.6% of the population and wireless broadband subscriptions at 182.2% as of January 2025. The finance and insurance sector contributes to a broader digital economy that reached USD 99.65 billion (SGD 128.1 billion) in 2024, equal to 18.6% of GDP, signaling a steady shift of customer journeys to digital interfaces, equivalent to USD 94.8 billion at recent average exchange rates. Full, standalone 5G coverage, achieved nationwide by 2025, enables telematics, computer vision-based claims assessments, and secure mobile submissions that reduce cycle times. These infrastructure advantages reinforce the Singapore InsurTech market by advancing real-time data capture, decisioning, and service workflows at scale.

Regulatory Support & MAS Initiatives

Targeted public funding and regulatory design have promoted live testing at manageable risk, backed by the MAS FinTech Regulatory Sandbox, Sandbox Express, and Sandbox Plus, which together broadened access to controlled pilots and non-routine models such as embedded or parametric insurance. The Financial Sector Technology and Innovation 3.0 scheme allocates USD 116.8 million (SGD 150 million) to sector-wide capacity building, while the 2024 top-up of USD 77.9 million (SGD 100 million) targets quantum and AI needs, further nudging the stack toward secure, explainable automation. The November 2025 consultation on Guidelines on AI Risk Management signals a shift from principles to lifecycle controls, requiring clear AI inventories, risk assessments, and oversight, with the consultation running to January 31, 2026. This evolving supervision increases clarity for the Singapore insurtech market by setting predictable guardrails for algorithmic use while encouraging safe deployment paths.

Cybersecurity & Data Privacy Risks

Threat activity remains elevated, with ransomware incidents and phishing attempts rising in 2024 and repeated supply chain exposures during 2025 that affected both insurers and banks. Income Insurance disclosed a May 2025 breach involving a third-party vendor, affecting at least 146 policyholders' personal data, reinforcing the need for stronger vendor risk management and incident response playbooks. In April 2025, two banks reported customer data compromises linked to a service provider, highlighting that interdependencies can magnify adverse outcomes when controls fail outside the core insurer perimeter. PDPA rules require breach notification within 72 hours in defined circumstances and impose significant penalties, including up to 10% of annual turnover or USD 0.78 million (SGD 1 million), whichever is higher, intensifying compliance and capital planning needs for data-intensive services. The Singapore insurtech market must prioritize identity-centric security and data minimization to balance scale with resilience in light of these regulatory and operational realities.

Other drivers and restraints analyzed in the detailed report include:

1. Demand for Personalized Insurance Solutions
2. AI, ML & Advanced Analytics Enablement
3. Legacy Insurer Resistance to Digital Models

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

Segment Analysis

Non-Life Insurance accounts for 63.50% of value in 2025 and is projected to grow at a 10.65% CAGR through 2031, reflecting faster uptake of cyber, travel, and device-protection products that fit mobile commerce and mobility contexts. Global carriers continue to expand embedded offerings through partner ecosystems, and recent platform activity showcases automatic claims triggers and in-app evidence collection that shorten cycle times. Distribution elasticity in retail, travel, and device channels gives non-life product suites more frequent customer touchpoints in Singapore. As multi-product platforms mature, the Singapore insurtech market increases its capacity to bundle and cross-sell coverage based on customer behaviour signals. Near-term momentum should benefit Non-Life as contextual distribution evolves along with improved data access and consent frameworks.

Life Insurance holds the remaining value in 2025 and continues to face longer development cycles, although digitization of underwriting, claims, and policy servicing is advancing across leading incumbents. The use of advanced analytics in medical claims triage shows potential to free capacity and improve speed without compromising oversight. Singapore's aging profile raises the relevance of health and protection coverage, and digital advice alongside human channels can improve financial planning outcomes. The Singapore insurtech market prioritizes transparent, mobile-first experiences to sustain engagement as Life products diversify through riders and wellness-linked benefits. Near-term focus in Life will remain on automating operations, streamlining distribution, and integrating data responsibly within the regulatory guidelines.

Complete Report Scope:

• By Insurance Type
  • Life Insurance
  • Non-Life Insurance
• By Distribution Channel
  • Direct to Consumer
  • Intermediate
  • Embedded

List of Companies Covered in this Report:

1. AIA Group
2. Nippon Life Group
3. Life Insurance Corporation of India (LIC)
4. China Life Insurance Group
5. Ping An Insurance Group
6. Prudential plc
7. Manulife Financial Group
8. Dai-ichi Life Group
9. Meiji Yasuda Life Group
10. Tokio Marine Group
11. MS&AD Insurance Group
12. Samsung Life Insurance Group
13. HDFC Life Group
14. Sun Life Financial Group
15. HSBC Life Group
16. Aviva Group
17. TAL Group
18. AMP Group
19. Muang Thai Life Assurance Group
20. Hong Leong Financial Group

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 Digital Adoption & Smartphone Penetration
  • 4.2.2 Regulatory Support & MAS Initiatives
  • 4.2.3 Demand for Personalized Insurance Solutions
  • 4.2.4 AI, ML & Advanced Analytics Enablement
  • 4.2.5 Supportive Fintech Regulatory Ecosystem
  • 4.2.6 Rising Insurtech & Venture Investments
• 4.3 Market Restraints
  • 4.3.1 Cybersecurity & Data Privacy Risks
  • 4.3.2 Regulatory Compliance Complexity
  • 4.3.3 Legacy Insurer Resistance to Digital Models
  • 4.3.4 Limited Consumer Awareness in Select Segments
• 4.4 Macroeconomic & Industry Indicators Impacting the Market
• 4.5 Technology Analysis
• 4.6 Industry Value Chain Analysis
• 4.7 Porter's Five Forces Analysis
  • 4.7.1 Threat of New Entrants
  • 4.7.2 Bargaining Power of Suppliers
  • 4.7.3 Bargaining Power of Buyers
  • 4.7.4 Threat of Substitutes
  • 4.7.5 Competitive Rivalry

5 Market Size & Growth Forecasts (Value)

• 5.1 By Insurance Type
  • 5.1.1 Life Insurance
  • 5.1.2 Non-Life Insurance
• 5.2 By Distribution Channel
  • 5.2.1 Direct to Consumer
  • 5.2.2 Intermediate
  • 5.2.3 Embedded

6 Competitive Landscape

• 6.1 Market Concentration
• 6.2 Strategic Moves
• 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 AIA Group
  • 6.4.2 Nippon Life Group
  • 6.4.3 Life Insurance Corporation of India (LIC)
  • 6.4.4 China Life Insurance Group
  • 6.4.5 Ping An Insurance Group
  • 6.4.6 Prudential plc
  • 6.4.7 Manulife Financial Group
  • 6.4.8 Dai-ichi Life Group
  • 6.4.9 Meiji Yasuda Life Group
  • 6.4.10 Tokio Marine Group
  • 6.4.11 MS&AD Insurance Group
  • 6.4.12 Samsung Life Insurance Group
  • 6.4.13 HDFC Life Group
  • 6.4.14 Sun Life Financial Group
  • 6.4.15 HSBC Life Group
  • 6.4.16 Aviva Group
  • 6.4.17 TAL Group
  • 6.4.18 AMP Group
  • 6.4.19 Muang Thai Life Assurance Group
  • 6.4.20 Hong Leong Financial Group

7 Market Opportunities & Future Outlook