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市場調查報告書
商品編碼
1856953
全球自動核保系統市場:預測至 2032 年-按功能、部署方式、技術、應用、最終用戶和地區進行分析Automated Underwriting Systems Market Forecasts to 2032 - Global Analysis By Functionality, Deployment Mode, Technology, Application, End User and By Geography |
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根據 Stratistics MRC 的數據,全球自動承保系統市場預計到 2025 年將達到 65 億美元,到 2032 年將達到 168 億美元,預測期內複合年成長率為 14.5%。
自動承保系統 (AUS) 是由軟體主導的平台,主要應用於保險和房屋抵押貸款領域,供金融機構高效、準確地評估申請。這些系統使用預先定義的演算法和規則分析申請人數據,例如信用記錄、收入、房產詳情和風險因素,從而做出合格、定價和核准決定。透過自動化傳統的人工核保流程,AUS 可以減少人為錯誤、加快決策速度、確保一致性並提高營運效率。此外,它還能提高風險評估的準確性、支持監管合規,並使金融機構能夠以最少的人工投入處理大量申請。
提高風險評估和一致性
在高容量工作流程中,即時決策正在取代人工審核。保險公司正在將自動承保系統 (AUS) 與詐欺偵測、信用評分和保單管理平台整合。標準化邏輯提高了透明度,並減少了不同地區承保的差異。基於規則的文件使監管審核的管理變得更加容易。這些能力正在推動承保業務的數位轉型。
舊有系統和技術基礎設施
許多保險公司仍在使用過時的核心系統,這些系統與現代工具缺乏互通性。遷移到雲端原生環境需要大量的規劃和預算投入。與外部資料來源的相容性問題會延緩實施進度。內部對變革的抵觸情緒也會阻礙整個核保團隊的現代化進程。這些限制因素持續阻礙平台部署和效能最佳化。
監管和合規要求
保險公司面臨著滿足不斷變化的公平性、透明度和數據管治標準的壓力。 AUS平台內建文件和邏輯可追溯性,以支援監管報告。承保規則的即時更新有助於與保單變更保持一致。與合規儀表板的整合增強了分散式團隊的監督能力。這些功能正在推動受監管市場和商業保險公司採用該平台。
初始投資成本及維護成本高
許可證費用、整合費用和員工培訓是進入門檻。持續更新和供應商支援對於維持系統效能和資料準確性至關重要。如果沒有明顯的效率提升,中小企業可能難以證明投資報酬率的合理性。預算限制和相互衝突的IT優先事項會延緩採購決策。這些壓力持續限制著該技術在業界的廣泛應用。
疫情加速了保險公司對自動化核保的興趣,因為他們面臨遠端營運數位化需求的激增。在保險公司業務停擺期間,非接觸式保單簽發和快速理賠分流變得至關重要。 AUS的平台使保險公司能夠在不增加員工的情況下處理激增的申請量。遠端審核和數位化文件支援了分散團隊的合規性。疫情後的策略已將自動化作為營運韌性的核心支柱。這種轉變正在加速對核保現代化的長期投資。
預計在預測期內,自動核保系統(AUS)業務板塊將成為最大的板塊。
由於自動核保系統 (AUS) 在風險評估和保單簽發數位化方面發揮核心作用,預計在預測期內,AUS 細分市場將佔據最大的市場佔有率。 AUS 在人壽、健康和產物保險領域的應用日益廣泛。供應商提供可配置的引擎,支援基於規則和人工智慧驅動的決策。與客戶關係管理 (CRM) 和保單管理系統的核准提高了工作流程的連續性。對即時核准和更快週轉時間的需求正在推動平台升級。這些功能正在增強 AUS 在承保業務的領先地位。
預計在預測期內,總代理(MGA)業務板塊的複合年成長率將最高。
預計在預測期內,管理總代理 (MGA) 業務板塊將實現最高成長率,因為中介機構紛紛採用自動核保系統 (AUS) 來擴展承保能力並提升服務水準。大量保險申請和委託模式需要自動化來確保速度和準確性。雲端原生平台能夠實現快速部署,並可根據細分市場進行客製化。與仲介入口網站和再保險公司系統的整合可以改善資料流並加快決策速度。數位化優先的核保模式正在推動對敏捷性和成本效益的需求。
由於北美擁有成熟的保險生態系統和在數位轉型方面的強勁投資,預計在預測期內,北美將佔據最大的市場佔有率。美國保險公司正在個人和商業險種中採用自動承保系統(AUS),以提高速度和合規性。監管政策的明確性和數據的可用性為高階風險建模和決策自動化提供了支援。主要軟體供應商和保險科技新興企業的存在正在推動承保平台的創新。雲端技術的應用和API整合使得跨舊有系統的無縫部署成為可能。
預計亞太地區在預測期內將實現最高的複合年成長率,這主要得益於保險公司在新興市場推進基礎設施現代化並拓展數位化服務。印度、中國和澳洲等國家正在投資雲端基礎的承保平台,以提高服務可近性和效率。當地保險公司正在採用自動承保系統(AUS),以打造行動優先的客戶體驗並降低營運成本。政府支持的數位化保險計劃正在推動公共和私營部門採用該平台。該地區的代理商和仲介正在利用自動化技術拓展服務不足市場的承保業務。
According to Stratistics MRC, the Global Automated Underwriting Systems Market is accounted for $6.5 billion in 2025 and is expected to reach $16.8 billion by 2032 growing at a CAGR of 14.5% during the forecast period. Automated Underwriting Systems (AUS) are software-driven platforms used by financial institutions, primarily in insurance and mortgage sectors, to evaluate applications efficiently and accurately. These systems analyze applicant data, including credit history, income, property details, and risk factors, using predefined algorithms and rules to determine eligibility, pricing, and approval decisions. By automating the traditionally manual underwriting process, AUS reduces human error, accelerates decision-making, ensures consistency, and improves operational efficiency. They also enhance risk assessment accuracy, support regulatory compliance, and allow institutions to handle high volumes of applications with minimal manual intervention.
Improved risk assessment and consistency
Real-time decisioning is replacing manual reviews in high-volume workflows. Insurers are integrating AUS with fraud detection, credit scoring, and policy administration platforms. Standardized logic is improving transparency and reducing underwriting variability across regions. Regulatory audits are becoming easier to manage with rule-based documentation. These capabilities are propelling digital transformation across underwriting operations.
Legacy systems & technical infrastructure
Many insurers operate on outdated core systems that lack interoperability with modern tools. Migration to cloud-native environments requires significant planning and budget allocation. Compatibility issues with external data sources can delay implementation timelines. Internal resistance to change slows modernization across underwriting teams. These constraints continue to hamper platform deployment and performance optimization.
Regulatory & compliance demands
Insurers are under pressure to meet evolving standards for fairness, transparency, and data governance. AUS platforms offer built-in documentation and logic traceability that support regulatory reporting. Real-time updates to underwriting rules help maintain alignment with policy changes. Integration with compliance dashboards is improving oversight across distributed teams. These features are fostering adoption across regulated markets and enterprise insurers.
High initial investment costs & maintenance
Licensing fees, integration costs, and staff training create financial barriers to entry. Ongoing updates and vendor support are essential to maintain system performance and data accuracy. Smaller firms may struggle to justify ROI without clear efficiency gains. Budget constraints and competing IT priorities delay procurement decisions. These pressures continue to constrain widespread implementation across the sector.
The pandemic accelerated interest in automated underwriting as insurers faced remote operations and rising digital demand. Contactless policy issuance and faster claims triage became essential during lockdowns. AUS platforms enabled insurers to manage increased application volumes without expanding staff. Remote audits and digital documentation supported compliance across distributed teams. Post-pandemic strategies now include automation as a core pillar of operational resilience. These shifts are accelerating long-term investment in underwriting modernization.
The automated underwriting systems (AUS) segment is expected to be the largest during the forecast period
The automated underwriting systems (AUS) segment is expected to account for the largest market share during the forecast period due to their central role in digitizing risk evaluation and policy issuance. Adoption is rising across life, health, and property insurance lines. Vendors are offering configurable engines that support both rules-based and AI-driven decisioning. Integration with CRM and policy administration systems is improving workflow continuity. Demand for real-time approvals and reduced turnaround time is driving platform upgrades. These capabilities are boosting AUS dominance across underwriting operations.
The managing general agents (MGAs) segment is expected to have the highest CAGR during the forecast period
Over the forecast period, the managing general agents (MGAs) segment is predicted to witness the highest growth rate as intermediaries adopt AUS to scale underwriting capacity and improve service delivery. High-volume submissions and delegated authority models require automation to maintain speed and accuracy. Cloud-native platforms are enabling rapid deployment and customization for niche markets. Integration with broker portals and reinsurer systems is improving data flow and decision speed. Demand for agility and cost efficiency is rising across digital-first underwriting models.
During the forecast period, the North America region is expected to hold the largest market share due to its mature insurance ecosystem and strong investment in digital transformation. U.S. insurers are deploying AUS across personal and commercial lines to improve speed and compliance. Regulatory clarity and data availability are supporting advanced risk modeling and decision automation. Presence of leading software vendors and insurtech startups is driving innovation across underwriting platforms. Cloud adoption and API integration are enabling seamless deployment across legacy systems.
Over the forecast period, the Asia Pacific region is anticipated to exhibit the highest CAGR as insurers modernize infrastructure and expand digital offerings across emerging markets. Countries like India, China, and Australia are investing in cloud-based underwriting platforms to improve access and efficiency. Local insurers are adopting AUS to serve mobile-first customers and reduce operational costs. Government-backed digital insurance initiatives are supporting platform adoption across public and private sectors. Regional MGAs and brokers are using automation to scale underwriting across underserved markets.
Key players in the market
Some of the key players in Automated Underwriting Systems Market include Oracle Corporation, Salesforce, Inc., IBM Corporation, Microsoft Corporation, FICO (Fair Isaac Corporation), Pegasystems Inc., Duck Creek Technologies LLC, Guidewire Software, Inc., Socotra, Inc., Zywave, Inc., BriteCore LLC, Appian Corporation, FlowForma Ltd., Nected Technologies Pvt. Ltd. and AI Curator Inc.
In July 2024, Salesforce introduced enhancements to its Financial Services Cloud for Insurance, including automated prefill tools, virtual surveys, and predictive analytics for underwriting. These tools leveraged machine learning to streamline data intake and improve risk scoring, enabling insurers to accelerate policy issuance and reduce operational costs.
In June 2024, Oracle launched the Oracle Health Insurance Data Exchange Cloud Service, which simplified and automated insurer data onboarding and transformations; the cloud service was intended to reduce manual data work and speed automated underwriting and eligibility flows for health and benefits insurers.
Note: Tables for North America, Europe, APAC, South America, and Middle East & Africa Regions are also represented in the same manner as above.