![]() |
市場調查報告書
商品編碼
1818090
全球保險科技市場:預測(至 2032 年)-按產品、保險類型、通路、技術、最終用戶和地區進行分析Insurtech Market Forecasts to 2032 - Global Analysis By Offering, Insurance Type, Distribution Channels, Technology, End User and By Geography |
根據 Stratistics MRC 的數據,預計 2025 年全球保險科技市場規模將達到 351.2 億美元,到 2032 年將達到 2,960.5 億美元,預測期內的複合年成長率為 35.6%。
保險科技 (InsurTech) 是指以技術主導的創新,透過增強數位化流程、承保、理賠管理和客戶參與來改變保險業。透過利用數據分析、人工智慧、物聯網和區塊鏈,保險科技能夠提升風險評估、定價準確性和投保人體驗。它們支援按需投保、基於使用情況的投保和數位優先平台,從而簡化營運並降低成本。新興企業和傳統保險公司都在投資這些技術,以應對不斷變化的客戶期望和監管壓力。
對數位優先保險產品的需求
隨著消費者對便利性和速度的期望不斷變化,他們越來越傾向於無縫銜接、按需客製化的數位保險解決方案。智慧型手機普及率的快速成長和網路存取的不斷增加,促進了數位保險平台的普及。此外,數位優先產品能夠實現即時核保、自動化理賠處理和個人化風險評估,進而提高保險公司的營運效率。使用行動應用程式和線上平台購買和管理保單正在徹底改變客戶參與。
資料隱私問題
收集和處理大量個人及敏感客戶資訊帶來了監管和道德挑戰,嚴重阻礙了保險科技市場的成長。此外,嚴格的資料保護法,例如歐洲的《一般資料保護規範》(GDPR)和美國的《消費者隱私法》(CCPA),給保險公司帶來了合規負擔,並增加了營運成本。資料儲存、傳輸和處理過程中未經授權存取的風險也加劇了人們的擔憂。
與物聯網設備整合
車聯網和智慧家庭感測器等連網設備可為準確的風險評估和動態定價模型提供即時數據。此外,保險公司可以提供反映個人行為和生活方式的基於使用情況的保險(UBI),從而提高客戶滿意度和客戶維繫。此外,物聯網驅動的自動化技術可實現事故自動偵測和遠端監控,從而減少理賠處理的時間和成本。物聯網設備在家庭、汽車和穿戴式裝置中的日益普及正在加速這一機遇,使保險公司能夠將其風險管理模式從被動轉向主動,從而提升整體市場潛力。
資料外洩風險
網路犯罪分子會攻擊敏感的客戶訊息,例如醫療記錄、財務數據和個人識別訊息,從而削弱客戶信任並損害公司聲譽。此外,不完善的網路安全措施和舊有系統也可能導致平台漏洞,從而暴露於資料外洩的風險。資料外洩的財務影響可能非常嚴重,包括監管罰款、法律責任和補救成本。此外,備受矚目的資料外洩事件會引發公眾關注,阻礙客戶和公司採用數位保險解決方案。
由於封鎖和保持社交距離措施限制了實體互動,新冠疫情加速了整個保險業的數位轉型。保險科技解決方案透過提供遠端保單簽發、數位化理賠管理和虛擬客戶支持,實現了不間斷的服務交付,從而獲得了廣泛的關注。此外,疫情提高了消費者的風險意識,促使消費者尋求能夠解決健康和生活問題的客製化保險產品。此外,營運中斷加速了保險公司的數位轉型,整合了人工智慧和自動化技術。然而,供應鏈中斷和經濟放緩暫時影響了保險銷售和投資流。整體而言,新冠疫情起到了催化劑的作用,強化了向數位化優先保險解決方案的轉變,並加速了市場成長。
解決方案部分預計將成為預測期內最大的部分
由於對支援數位化核保、自動化理賠處理和客戶參與平台的先進軟體解決方案的需求不斷成長,預計解決方案細分市場將在預測期內佔據最大市場佔有率。這些解決方案提供端到端的數位化保險生命週期管理,幫助保險公司提高營運效率並降低成本。此外,向雲端基礎和SaaS模式的轉變使得解決方案更易於快速擴充性和部署,從而促進了各種規模的保險公司的採用。此外,對個人化客戶體驗的日益重視,也推動了對能夠分析大量資料集以進行預測分析和風險建模的整合平台的需求。
預計物聯網 (IoT) 和遠端資訊處理領域在預測期內將以最高的複合年成長率成長。
物聯網 (IoT) 和車聯網領域預計將在預測期內實現最高成長率,因為保險公司將利用即時數據進行行為模式的定價和主動風險管理。車載資訊系統、智慧穿戴裝置和家庭自動化感測器等連網型設備使保險公司能夠評估投保人的行為、監控資產狀況並實現理賠流程的自動化。此外,消費者對個人化保險計劃的偏好日益成長,也推動了對物聯網整合解決方案的需求。此外,監管部門對全民基本收入 (UBI) 計劃的支援以及車聯網的廣泛應用也正在提振成長前景。
在預測期內,北美預計將佔據最大的市場佔有率,這得益於其早期採用的數位保險平台和先進的技術基礎設施。該地區擁有健全的法規結構,在促進創新的同時,確保消費者權益,從而促進了保險科技的發展。此外,主要產業參與者和創投的湧入正在加速該地區的研發和產品開發。此外,高智慧型手機普及率和先進的雲端處理服務支援保險科技解決方案的無縫部署。美國和加拿大的保險公司對數位轉型表現出濃厚興趣,推動了市場成長。
預計亞太地區將在預測期內實現最高的複合年成長率,這得益於數位化的快速普及、中等收入人口的成長以及人們對保險解決方案的認知度的不斷提升。此外,印度、中國和東南亞國家等新興經濟體的智慧型手機和網路普及率正在加速提升,促進了數位保險產品的普及。此外,該地區各國政府都在鼓勵數位金融服務和智慧城市計劃,為保險科技的發展創造了有利的法規環境。
According to Stratistics MRC, the Global Insurtech Market is accounted for $35.12 billion in 2025 and is expected to reach $296.05 billion by 2032 growing at a CAGR of 35.6% during the forecast period. Insurtech refers to technology-driven innovations transforming the insurance industry by enhancing digital processes, underwriting, claims management, and customer engagement. Leveraging data analytics, AI, IoT, and blockchain, insurtech improves risk assessment, pricing accuracy, and policyholder experiences. It enables on-demand insurance, usage-based policies, and digital-first platforms that streamline operations and reduce costs. Startups and traditional insurers invest in these technologies to respond to changing customer expectations and regulatory pressures.
Demand for digital-first insurance products
Consumers increasingly prefer seamless, on-demand, and customized digital insurance solutions, driven by shifting expectations toward convenience and speed. The surge in smartphone penetration and internet accessibility facilitates easy adoption of digital insurance platforms. Moreover, digital-first products enable real-time underwriting, automated claims processing, and personalized risk assessment, thereby improving operational efficiency for insurers. The rising use of mobile apps and online platforms for policy purchase and management is revolutionizing customer engagement.
Data privacy concerns
Data privacy concerns significantly restrain the Insurtech Market's growth, as the collection and processing of vast amounts of personal and sensitive customer information raise regulatory and ethical challenges. Additionally, stringent data protection laws such as GDPR in Europe and CCPA in the U.S. impose compliance burdens on insurers, increasing operational costs. The risk of unauthorized data access during data storage, transmission, or processing further exacerbates apprehensions.
Integration with IoT devices
Connected devices, such as telematics in vehicles and smart home sensors, provide real-time data for precise risk assessment and dynamic pricing models. Moreover, insurers can offer usage-based insurance (UBI) policies that reflect individual behaviors and lifestyles, increasing customer satisfaction and retention. Additionally, IoT-driven automation reduces the time and cost of claims processing by enabling automatic incident detection and remote monitoring. The increasing penetration of IoT devices in homes, vehicles, and wearable tech is accelerating this opportunity, enabling insurers to shift from reactive to proactive risk management models, thereby enhancing overall market potential.
Data breach risks
Cybercriminals targeting sensitive customer information such as medical records, financial data, and personal identifiers can compromise customer trust and damage company reputations. Additionally, insufficient cybersecurity measures or legacy systems create vulnerabilities that expose platforms to breaches. The financial impact of data breaches, including regulatory fines, legal liabilities, and remediation costs, can be substantial. Moreover, high-profile breaches attract public scrutiny and reduce the willingness of customers and enterprises to adopt digital insurance solutions.
The COVID-19 pandemic accelerated digital adoption across the insurance industry, as lockdowns and social distancing restricted physical interactions. Insurtech solutions gained prominence by providing remote policy issuance, digital claims management, and virtual customer support, thereby ensuring uninterrupted service delivery. Additionally, the pandemic heightened risk awareness, prompting consumers to seek tailored insurance products that address health and life uncertainties. Moreover, operational disruptions pushed insurers to expedite digital transformation initiatives, integrating AI and automation. However, supply chain disruptions and economic slowdowns temporarily impacted policy sales and investment flows. Overall, COVID-19 acted as a catalyst, reinforcing the shift toward digital-first insurance solutions and accelerating market growth.
The solutions segment is expected to be the largest during the forecast period
The solutions segment is expected to account for the largest market share during the forecast period due to the growing demand for advanced software solutions that enable digital underwriting, automated claims processing, and customer engagement platforms. These solutions offer end-to-end digital insurance lifecycle management, helping insurers enhance operational efficiency while reducing costs. Additionally, the shift toward cloud-based and SaaS models facilitates scalability and faster deployment of solutions, driving adoption across insurers of all sizes. Moreover, the increasing emphasis on personalized customer experiences propels the demand for integrated platforms that analyze vast datasets to offer predictive analytics and risk modelling.
The internet of things (IoT) and Telematics segment is expected to have the highest CAGR during the forecast period
Over the forecast period, the internet of things (IoT) and Telematics segment is predicted to witness the highest growth rate as insurers leverage real-time data for behavior-based pricing and proactive risk management. Connected devices such as vehicle telematics, smart wearables, and home automation sensors enable insurers to assess policyholder behavior, monitor asset conditions, and process claims automatically. Additionally, the growing consumer preference for personalized insurance plans fosters the demand for IoT-integrated solutions. Moreover, regulatory support for UBI programs and increasing vehicle connectivity adoption amplify growth prospects.
During the forecast period, the North America region is expected to hold the largest market share, driven by early adoption of digital insurance platforms and advanced technological infrastructure. The region hosts a robust regulatory framework that promotes innovation while ensuring consumer protection, fostering Insurtech development. Moreover, the presence of key industry players and venture capital investments accelerates research and product development in the region. Additionally, high smartphone penetration and advanced cloud computing services support seamless deployment of Insurtech solutions. The strong focus on digital transformation among U.S. and Canadian insurers enhances market growth, making North America the dominant regional market globally
Over the forecast period, the Asia Pacific region is anticipated to exhibit the highest CAGR due to rapidly growing digital penetration, rising middle-class population, and increasing awareness of insurance solutions. Additionally, emerging economies such as India, China, and Southeast Asian countries are experiencing accelerated smartphone and internet adoption, facilitating easy access to digital insurance products. Moreover, governments across the region are encouraging digital financial services and smart city initiatives, creating a favorable regulatory environment for Insurtech growth.
Key players in the market
Some of the key players in Insurtech Market include Lemonade, Oscar Health, ZhongAn, Shift Technology, Hippo, Next Insurance, Coalition, Wefox, Acko, Policybazaar, Akur8, Bolttech, Kin Insurance, Pie Insurance, and Duck Creek Technologies.
In September 2025, Alipay added several new payment methods, including Turkish cards, Indian cards, Net Banking, and UPI, to its Payment Methods document, expanding its global payment capabilities.
In July 2025, Adyen announced that Hoshino Resorts, a 111-year-old Japanese hospitality brand, began pilot implementation of Adyen's payment platform in its hotel management system for its "KAI" brand. The plan is to expand the implementation to all of its facilities in Japan and overseas.
In July 2025, Checkout.com announced a partnership with TeamSystem, Italy's leading digital business management software provider, to power next-generation payments solutions, supporting TeamSystem's mission to bring digital innovation into every business.
In May 2025, Apple introduced Tap to Pay on iPhone in eight more European countries, including Belgium, Croatia, Cyprus, Denmark, Greece, Iceland, Luxembourg, and Malta, allowing millions of merchants to accept in-person contactless payments using iPhones.
Note: Tables for North America, Europe, APAC, South America, and Middle East & Africa Regions are also represented in the same manner as above.