保險科技市場規模、佔有率和成長分析（按組件、保險類型、技術、部署類型、公司規模、最終用戶和地區分類）－2026-2033年產業預測

2024 年全球保險科技市場規模為 194.1 億美元，預計將從 2025 年的 296.4 億美元成長到 2033 年的 8760.6 億美元，在預測期（2026-2033 年）內複合年成長率為 52.7%。

全球保險科技市場正經歷強勁成長，這主要得益於醫療保健、製造業和清潔能源等多個行業需求的不斷成長。醫療保健產業的擴張，尤其是醫用氣體領域的擴張，是推動這一趨勢的主要因素。此外，新興經濟體工業化的加速發展也帶動了金屬加工和石化等產業對保險科技解決方案的需求。然而，挑戰依然存在，包括高昂的氣體生產和分銷成本、複雜的監管規定以及與排放相關的安全隱患，這些都會增加遵循成本。天然氣等原物料價格的波動也會影響盈利。儘管有這些限制因素，人們對創新和整合的信心日益增強，主要企業正積極尋求策略合作和技術創新，以確保市場永續性並挖掘未來的成長機會。

全球保險科技市場促進因素

全球保險科技市場的發展動力源自於各行各業和各國對金融服務數位轉型的高度重視，而這正是為了因應技術進步的必然結果。保險和金融業務日益採用尖端數位技術進行現代化改造和升級，預計將顯著推動對保險科技解決方案的需求。隨著各機構尋求提升效率和客戶體驗，在保險業整合創新數位工具對於保持競爭力、滿足不斷變化的消費者期望至關重要，最終也將推動保險科技產業的成長。

全球保險科技市場面臨的限制因素

全球保險科技市場面臨許多限制因素，其中保險科技解決方案和技術的複雜性和高成本尤為突出。對於預算和財務資源有限的保險機構而言，這個財務障礙構成了一大挑戰。此外，為了有效利用這些保險科技解決方案，還需要額外的投資用於實施、持續維護以及必要的人員培訓，這進一步增加了成本。因此，這些因素共同阻礙了市場的成長潛力，因為許多公司難以證明採用這些創新技術的成本是合理的。

全球保險科技市場趨勢

全球保險科技產業的關鍵市場趨勢是擴大採用數位技術來改善客戶體驗並提高營運效率。人工智慧 (AI)、機器學習和巨量資料分析的整合正在變革核保流程、理賠管理和風險評估，使保險公司能夠提供個人化的產品和服務。此外，保險科技Start-Ups的崛起刺激了創新和競爭，催生了行動應用和線上平台等新型分銷管道。這種向技術主導環境的轉變鼓勵傳統保險公司與保險科技公司合作，最終提高效率並增強客戶參與。

目錄

介紹

• 調查目標
• 調查範圍
• 定義

調查方法

• 資訊收集
• 二手資料和一手資料方法
• 市場規模預測
• 市場假設與限制

執行摘要

• 全球市場展望
• 供需趨勢分析
• 細分市場機會分析

市場動態與展望

• 市場規模
• 市場動態
  • 促進因素和機遇
  • 限制與挑戰
• 波特分析

關鍵市場考察

• 關鍵成功因素
• 競爭程度
• 關鍵投資機會
• 市場生態系統
• 市場吸引力指數（2025）
• PESTEL 分析
• 總體經濟指標
• 價值鏈分析
• 定價分析

全球保險科技市場規模（按組成部分及複合年成長率分類）（2026-2033 年）

• 軟體
  • 政策管理軟體
  • 核保與風險評估軟體
  • 理賠管理軟體
  • 計費和支付解決方案
  • 分析和人工智慧工具
• 服務
  • 諮詢顧問
  • 整合與實施
  • 支援與維護

全球保險科技市場規模（依保險類型分類）及複合年成長率（2026-2033 年）

• 車
• 商業
• 醫療保險
• 家
• 商業的
• 旅遊保險
• 其他

全球保險科技市場規模（依技術及複合年成長率分類）（2026-2033 年）

• 區塊鏈
• 雲端運算
• IoT
• 機器學習
• 智慧投顧
• 其他

全球保險科技市場規模（按實施類型和複合年成長率分類）（2026-2033 年）

• 基於雲端的
• 本地部署

全球保險科技市場規模（依公司規模及複合年成長率分類）（2026-2033 年）

• 主要企業
• 中小企業

全球保險科技市場規模（依最終用戶分類）及複合年成長率（2026-2033 年）

• 車
• BFSI
• 政府
• 衛生保健
• 製造業
• 零售
• 運輸
• 其他

全球保險科技市場規模（按地區分類）及複合年成長率（2026-2033 年）

• 北美洲
  • 美國
  • 加拿大
• 歐洲
  • 德國
  • 西班牙
  • 法國
  • 英國
  • 義大利
  • 其他歐洲地區
• 亞太地區
  • 中國
  • 印度
  • 日本
  • 韓國
  • 亞太其他地區
• 拉丁美洲
  • 巴西
  • 其他拉丁美洲地區
• 中東和非洲
  • 海灣合作理事會國家
  • 南非
  • 其他中東和非洲地區

競爭資訊

• 前五大公司對比
• 主要企業的市場定位（2025 年）
• 主要市場參與者所採取的策略
• 近期市場趨勢
• 公司市佔率分析（2025 年）
• 主要企業公司簡介
  • 公司詳情
  • 產品系列分析
  • 依業務板塊進行公司股票分析
  • 2023-2025年營收年比比較

主要企業簡介

• Lemonade Inc.（United States）
• Root Insurance Co.（United States）
• Zego（United Kingdom）
• Trov（United States）
• WeFox（Germany）
• Getsafe（Germany）
• Hippo Insurance（United States）
• Bolttech（Singapore）
• Alan（France）
• Cover（United States）
• Cuvva（United Kingdom）
• Pie Insurance（United States）
• Bima（Sweden）
• Go Digit Insurance（India）
• OneDegree（Hong Kong）
• Kin Insurance（United States）
• Inshur（United Kingdom）

結論與建議

Global Insurtech Market size was valued at USD 19.41 Billion in 2024 and is poised to grow from USD 29.64 Billion in 2025 to USD 876.06 Billion by 2033, growing at a CAGR of 52.7% during the forecast period (2026-2033).

The global Insurtech market is experiencing robust growth fueled by increasing demands across various sectors, including healthcare, manufacturing, and clean energy. The healthcare industry's expansion, particularly in medical gases, significantly contributes to this trend. Additionally, industrialization in emerging economies bolsters demand for Insurtech solutions in sectors like metal fabrication and petrochemicals. However, the market faces challenges, including high production and distribution costs for gases, regulatory complexities, and safety concerns related to emissions, which escalate compliance expenses. Price volatility of raw materials, such as natural gas, further impacts profitability. Despite these constraints, innovation and consolidation drive optimism, as key players pursue strategic partnerships and technological advancements, paving the way for sustainability initiatives and future growth opportunities in the market.

Top-down and bottom-up approaches were used to estimate and validate the size of the Global Insurtech market and to estimate the size of various other dependent submarkets. The research methodology used to estimate the market size includes the following details: The key players in the market were identified through secondary research, and their market shares in the respective regions were determined through primary and secondary research. This entire procedure includes the study of the annual and financial reports of the top market players and extensive interviews for key insights from industry leaders such as CEOs, VPs, directors, and marketing executives. All percentage shares split, and breakdowns were determined using secondary sources and verified through Primary sources. All possible parameters that affect the markets covered in this research study have been accounted for, viewed in extensive detail, verified through primary research, and analyzed to get the final quantitative and qualitative data.

Global Insurtech Market Segments Analysis

Global Insurtech Market is segmented by Component, Insurance Type, Technology, Deployment Mode, Enterprise Size, End-User and region. Based on Component, the market is segmented into Software and Service. Based on Insurance Type, the market is segmented into Automotive, Business, Health, Home, Commercial, Travel and Others. Based on Technology, the market is segmented into Blockchain, Cloud Computing, IoT, Machine Learning,Robo Advisoryand Others. Based on Deployment Mode, the market is segmented into Cloud-based and On-premises. Based on Enterprise Size, the market is segmented into Large Enterprises and Small & Medium Enterprises (SMEs). Based on End-User, the market is segmented into Automotive, BFSI, Government, Healthcare, Manufacturing, Retail, Transportation and Others. Based on region, the market is segmented into North America, Europe, Asia Pacific, Latin America and Middle East & Africa.

Driver of the Global Insurtech Market

The global insurtech market is being propelled by a widespread emphasis across various industries and nations on the digital transformation of financial services to stay aligned with technological advancements. The increasing adoption of cutting-edge digital technologies aimed at modernizing and enhancing insurance and financial operations is anticipated to significantly boost the demand for insurtech solutions. As organizations strive to improve efficiency and customer experience, the integration of innovative digital tools in the insurance sector is becoming essential for staying competitive and meeting evolving consumer expectations, ultimately stimulating growth in the insurtech landscape.

Restraints in the Global Insurtech Market

The Global Insurtech market faces significant constraints due to the advanced and costly nature of insurtech solutions and technologies. This financial barrier presents a challenge for insurance organizations operating with restricted budgets or limited financial resources. Furthermore, the need for additional investments associated with the implementation, ongoing maintenance, and necessary training for personnel to effectively utilize these insurtech solutions exacerbates the expense. As a result, these factors collectively hinder the growth potential of the market, as many companies struggle to justify the costs involved in adopting these innovative technologies.

Market Trends of the Global Insurtech Market

A key market trend in the global insurtech industry is the increasing adoption of digital technologies to enhance customer experience and streamline operations. The integration of artificial intelligence, machine learning, and big data analytics is transforming underwriting processes, claims management, and risk assessment, enabling insurers to offer personalized products and services. Additionally, the rise of insurtech startups is fostering innovation and competition, leading to the emergence of new distribution channels such as mobile apps and online platforms. This shift towards a more tech-driven landscape is encouraging traditional insurers to collaborate with insurtech firms, ultimately driving efficiency and enhancing customer engagement.

Table of Contents

Introduction

• Objectives of the Study
• Scope of the Report
• Definitions

Research Methodology

• Information Procurement
• Secondary & Primary Data Methods
• Market Size Estimation
• Market Assumptions & Limitations

Executive Summary

• Global Market Outlook
• Supply & Demand Trend Analysis
• Segmental Opportunity Analysis

Market Dynamics & Outlook

• Market Overview
• Market Size
• Market Dynamics
  • Drivers & Opportunities
  • Restraints & Challenges
• Porters Analysis
  • Competitive rivalry
  • Threat of substitute
  • Bargaining power of buyers
  • Threat of new entrants
  • Bargaining power of suppliers

Key Market Insights

• Key Success Factors
• Degree of Competition
• Top Investment Pockets
• Market Ecosystem
• Market Attractiveness Index, 2025
• PESTEL Analysis
• Macro-Economic Indicators
• Value Chain Analysis
• Pricing Analysis

Global Insurtech Market Size by Component & CAGR (2026-2033)

• Market Overview
• Software
  • Policy Administration Software
  • Underwriting & Risk Rating Software
  • Claims Management Software
  • Billing & Payment Solutions
  • Analytics & AI Tools
• Service
  • Consulting & Advisory
  • Integration & Deployment
  • Support & Maintenance

Global Insurtech Market Size by Insurance Type & CAGR (2026-2033)

• Market Overview
• Automotive
• Business
• Health
• Home
• Commercial
• Travel
• Others

Global Insurtech Market Size by Technology & CAGR (2026-2033)

• Market Overview
• Blockchain
• Cloud Computing
• IoT
• Machine Learning
• Robo Advisory
• Others

Global Insurtech Market Size by Deployment Mode & CAGR (2026-2033)

• Market Overview
• Cloud-based
• On-premises

Global Insurtech Market Size by Enterprise Size & CAGR (2026-2033)

• Market Overview
• Large Enterprises
• Small & Medium Enterprises (SMEs)

Global Insurtech Market Size by End-User & CAGR (2026-2033)

• Market Overview
• Automotive
• BFSI
• Government
• Healthcare
• Manufacturing
• Retail
• Transportation
• Others

Global Insurtech Market Size & CAGR (2026-2033)

• North America (Component, Insurance Type, Technology, Deployment Mode, Enterprise Size, End-User)
  • US
  • Canada
• Europe (Component, Insurance Type, Technology, Deployment Mode, Enterprise Size, End-User)
  • Germany
  • Spain
  • France
  • UK
  • Italy
  • Rest of Europe
• Asia Pacific (Component, Insurance Type, Technology, Deployment Mode, Enterprise Size, End-User)
  • China
  • India
  • Japan
  • South Korea
  • Rest of Asia-Pacific
• Latin America (Component, Insurance Type, Technology, Deployment Mode, Enterprise Size, End-User)
  • Brazil
  • Rest of Latin America
• Middle East & Africa (Component, Insurance Type, Technology, Deployment Mode, Enterprise Size, End-User)
  • GCC Countries
  • South Africa
  • Rest of Middle East & Africa

Competitive Intelligence

• Top 5 Player Comparison
• Market Positioning of Key Players, 2025
• Strategies Adopted by Key Market Players
• Recent Developments in the Market
• Company Market Share Analysis, 2025
• Company Profiles of All Key Players
  • Company Details
  • Product Portfolio Analysis
  • Company's Segmental Share Analysis
  • Revenue Y-O-Y Comparison (2023-2025)

Key Company Profiles

• Lemonade Inc. (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Root Insurance Co. (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Zego (United Kingdom)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Trov (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• WeFox (Germany)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Getsafe (Germany)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Hippo Insurance (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Bolttech (Singapore)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Alan (France)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Cover (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Cuvva (United Kingdom)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Pie Insurance (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Bima (Sweden)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Go Digit Insurance (India)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• OneDegree (Hong Kong)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Kin Insurance (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Inshur (United Kingdom)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments

Conclusion & Recommendations