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市場調查報告書
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1938879

保險科技市場－全球產業規模、佔有率、趨勢、機會及預測（按類型、保費範圍、地區及競爭格局分類，2021-2031年）

Insurtech Market - Global Industry Size, Share, Trends, Opportunity, and Forecast, Segmented By Type, By Premium Range, By Region & Competition, 2021-2031F
出版日期: | 出版商: TechSci Research | 英文 180 Pages | 商品交期: 2-3個工作天內

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簡介目錄

全球保險科技市場預計將從 2025 年的 72.4 億美元大幅成長至 2031 年的 395.2 億美元，複合年成長率達 32.69%。

保險科技（InsurTech）是指運用技術創新，透過數位化分銷、數據分析和自動化等手段最佳化傳統保險業模式。這項市場成長的主要驅動力是現有保險公司迫切需要降低營運成本，以及消費者對無縫數位化體驗日益成長的需求。此外，基於先進數據分析的精準風險評估的需求也促使保險公司採用這些技術解決方案，從而提高理賠處理效率和核保準確性。

市場概覽
預測期 2027-2031
市場規模：2025年 72.4億美元
市場規模：2031年 395.2億美元
複合年成長率：2026-2031年 32.69%
成長最快的細分市場 住宅保險
最大的市場 北美洲

然而，該行業面臨一個重大障礙：資金籌措不穩定，這阻礙了市場快速擴張和產品開發。經濟的不確定性和高利率創造了謹慎的投資環境，限制了成長型企業的資金籌措。這種收縮在近期的融資活動中顯而易見。根據 Gallagher Lee 預測，2024 年全球保險科技資金籌措將達 42.5 億美元，較前一年下降 5.6%。

市場促進因素

人工智慧 (AI) 和自動化技術的快速普及正成為全球保險科技 (InsurTech) 市場的關鍵驅動力，從根本上改變了承保業務效率和理賠流程。保險公司正擴大利用機器學習演算法來自動化複雜的風險評估，降低營運成本，從而實現保單的即時簽發和詐欺檢測。產業研究也印證了這一營運模式的轉變。美國全國保險監督官協會 (NAIC) 的一項 2025 年調查顯示，88% 的汽車保險公司目前正在實施或計劃實施人工智慧策略，以增強其競爭力。此外，更廣泛的市場環境也為這些技術提供了強而有力的支援。根據 Gallagher Lee 於 2025 年 2 月發布的《2024 年第四季全球保險科技報告》，專注於人工智慧的保險科技公司在 2024 年第四季的投資額佔所有投資額的 42.3%。

同時，非保險生態系統中嵌入式保險模式的興起正在擴大市場覆蓋率和可及性。這些模式利用應用程式介面 (API) 將保險直接整合到第三方平台（例如汽車製造商或電商網站）的購買流程中。透過在銷售點提供相關保障，保險科技公司可以繞過傳統的客戶獲取壁壘，並利用消費者品牌建立的信任。這種整合的商業性潛力巨大：Bolttech 於 2025 年 9 月發布的白皮書《通訊業者嵌入式保險》預測，全球嵌入式保險市場規模將從 2024 年的 1560 億美元飆升至 2029 年的 7030 億美元，凸顯了 API 驅動的分銷模式在行業未來擴張中的關鍵作用。

市場挑戰

全球保險科技市場面臨的一項關鍵挑戰是資金籌措不穩定，這限制了企業的擴張和創新。高利率和經濟不確定性限制了資本獲取，迫使成長型企業優先考慮現金儲備而非必要的研發投入。這種流動性不足直接阻礙了Start-Ups獲取客戶和完善其數位平台的能力，從而延緩了傳統保險模式的轉型。當企業無法獲得可靠的資金支持時，它們就無法進行快速的產品改進以滿足不斷變化的消費者需求，最終導致整個市場競爭停滯不前。

投資活動的下滑導致交易量顯著下降，這預示著創業投資正在撤離，而風險資本歷來是該行業擴張的重要支撐。根據保險資訊研究所 (III) 預測，2024 年全球保險科技交易總數預計將年減 18.5%，降至 2019 年以來的最低水準。交易活動的急劇下降表明，能夠獲得生存所需資金支持的公司數量減少，這很可能導致市場整合，最終只有資本最雄厚的公司能夠生存下來。這種環境不利於新進入者，並降低了行業可用的技術解決方案的多樣性。

市場趨勢

基於使用量的保險（UBI）和遠端資訊處理驅動模式的興起，正從根本上改變汽車保險的結構，將定價機制從靜態的人口統計指標轉向即時行為數據。這種變革使保險公司能夠提供反映實際風險敞口的動態保費，並透過即時回饋機制鼓勵安全駕駛習慣。此模式在改變投保人行為的有效性，在近期道路安全指標中日益凸顯。根據劍橋行動遠端資訊處理公司2025年4月發布的《2024年美國道路風險報告》，預計到2024年，分心駕駛事故將減少8.6%，這一顯著改善直接歸功於更多人參與了獎勵風險規避行為的互聯保險計劃。

同時，隨著氣候相關風險的頻率和嚴重程度不斷加劇，參數型保險解決方案作為關鍵應對措施，其發展速度也正在加快。與傳統產物保險需要冗長的損失評估不同，參數型保險架構能夠根據預先設定的觸發條件（例如風速或洪水水位）自動且幾乎即時地進行賠付，從而在災後立即註入流動性。事實證明，這種機制對於填補傳統市場未能解決的保險缺口至關重要。根據瑞士再保險公司2025年5月發布的《Sigma報告》，2024年全球天災保險賠償金額將達1,370億美元，這意味著高達1,810億美元的巨大保障缺口。參數型保險科技公司正日益致力於彌合這一缺口，以增強氣候適應能力。

目錄

第1章概述

第2章調查方法

第3章執行摘要

第4章：客戶評價

第5章 全球保險科技市場展望

  • 市場規模及預測
    • 按金額
  • 市佔率及預測
    • 按類型（人壽保險、健康保險、旅遊保險、住宅保險、財產保險、汽車保險、其他（竊盜保險、公司保險））
    • 以高階價位（500 美元以下、501-2000 美元、2001-5000 美元、5000 美元以上）
    • 按地區
    • 按公司（2025 年）
  • 市場地圖

第6章：北美保險科技市場展望

  • 市場規模及預測
  • 市佔率及預測
  • 北美洲：國家分析
    • 美國
    • 加拿大
    • 墨西哥

第7章：歐洲保險科技市場展望

  • 市場規模及預測
  • 市佔率及預測
  • 歐洲：國家分析
    • 德國
    • 法國
    • 英國
    • 義大利
    • 西班牙

第8章：亞太地區保險科技市場展望

  • 市場規模及預測
  • 市佔率及預測
  • 亞太地區：國家分析
    • 中國
    • 印度
    • 日本
    • 韓國
    • 澳洲

第9章：中東與非洲保險科技市場展望

  • 市場規模及預測
  • 市佔率及預測
  • 中東和非洲：國家分析
    • 沙烏地阿拉伯
    • 阿拉伯聯合大公國
    • 南非

第10章：南美洲保險科技市場展望

  • 市場規模及預測
  • 市佔率及預測
  • 南美洲：國家分析
    • 巴西
    • 哥倫比亞
    • 阿根廷

第11章 市場動態

  • 促進要素
  • 任務

第12章 市場趨勢與發展

  • 併購
  • 產品發布
  • 最新進展

第13章：全球保險科技市場：SWOT分析

第14章：波特五力分析

  • 產業競爭
  • 新進入者的可能性
  • 供應商電力
  • 顧客權力
  • 替代品的威脅

第15章 競爭格局

  • Oscar Insurance Corporation
  • Root Inc.
  • Doma Holdings, Inc.
  • Clover Health Investments Corp
  • Policybazaar Insurance Brokers Private Limited
  • Trov Insurance Solutions, LLC
  • ZhongAn Online P&C Insurance Co. Ltd.
  • Acko General Insurance Limited
  • Apollo Insurance Solutions Ltd
  • Prudential Financial, Inc.

第16章 策略建議

第17章：關於研究公司及免責聲明

簡介目錄
Product Code: 4304

The Global Insurtech Market is projected to expand significantly, growing from USD 7.24 Billion in 2025 to USD 39.52 Billion by 2031, representing a CAGR of 32.69%. Insurtech involves the application of technological innovations to optimize the traditional insurance industry model through digital distribution, data analysis, and automation. This market growth is primarily propelled by the urgent need for incumbent firms to lower operational costs and the increasing consumer demand for seamless digital experiences. Furthermore, the requirement for precise risk assessment utilizing advanced data analytics forces insurers to adopt these technical solutions, thereby enhancing claims processing and underwriting accuracy.

Market Overview
Forecast Period2027-2031
Market Size 2025USD 7.24 Billion
Market Size 2031USD 39.52 Billion
CAGR 2026-203132.69%
Fastest Growing SegmentHome Insurance
Largest MarketNorth America

However, the sector faces a significant obstacle in the form of funding volatility, which hinders rapid market expansion and product development. Economic uncertainty and high interest rates have created a cautious investment climate that restricts capital access for companies in the growth stage. This contraction is evident in recent financial activity; according to Gallagher Re, global InsurTech funding amounted to 4.25 billion United States Dollars in 2024, marking a 5.6% decline compared to the capital raised during the previous year.

Market Driver

The rapid adoption of Artificial Intelligence (AI) and automation serves as a primary catalyst for the Global Insurtech Market, fundamentally transforming underwriting efficiency and claims processing. Insurers are increasingly utilizing machine learning algorithms to automate complex risk assessments and decrease operational overheads, facilitating real-time policy issuance and fraud detection. This operational shift is highlighted by recent industry surveys; according to a 2025 study by the National Association of Insurance Commissioners (NAIC), 88% of auto insurers reported current or planned usage of artificial intelligence strategies to improve their competitive positioning. Additionally, the broader market investment landscape has strongly favored these technologies, with Gallagher Re's February 2025 'Global InsurTech Report Q4 2024' noting that AI-focused insurtechs comprised 42.3% of all investment deals in the fourth quarter of 2024.

Simultaneously, the rise of embedded insurance models within non-insurance ecosystems is broadening the market's distribution reach and accessibility. This mechanism utilizes Application Programming Interfaces (APIs) to integrate coverage directly into the purchase journey on third-party platforms, such as automotive manufacturers and e-commerce sites. By presenting relevant protection products at the exact point of sale, insurtech firms can circumvent traditional customer acquisition barriers and leverage the trust established by consumer brands. The commercial potential of this integration is substantial; according to Bolttech's September 2025 'Embedded Insurance for Telcos' whitepaper, the global embedded insurance market is projected to surge from $156 billion in 2024 to $703 billion by 2029, underscoring the critical role of API-driven distribution in future industry expansion.

Market Challenge

The primary challenge impeding the Global Insurtech Market is funding volatility, which creates a restrictive environment for operational scaling and innovation. High interest rates and economic uncertainty limit capital availability, compelling growth-stage companies to prioritize cash preservation over essential research and development. This lack of liquidity directly hampers the ability of startups to acquire customers and refine digital platforms, stalling the disruption of traditional insurance models. When ventures cannot secure reliable backing, they are unable to execute the rapid product iterations necessary to meet evolving consumer demands, resulting in a stagnation of overall market competitiveness.

The contraction in investment activity has led to a measurable decline in transaction volume, indicating a retreat by venture capitalists who previously fueled the sector's expansion. According to the Insurance Information Institute, the total number of global insurtech deals in 2024 declined by 18.5% compared to the previous year, falling to levels not seen since 2019. This sharp reduction in deal activity suggests that fewer companies are receiving the financial support required to survive, likely resulting in market consolidation where only the most capitalized firms remain. Such an environment stifles the entry of new players and reduces the diversity of technological solutions available to the industry.

Market Trends

The expansion of Usage-Based Insurance (UBI) and telematics-driven models is fundamentally altering the auto insurance landscape by moving pricing mechanisms from static demographic proxies to real-time behavioral data. This evolution allows insurers to offer dynamic premiums that reflect actual risk exposure while simultaneously incentivizing safer driving habits through immediate feedback loops. The effectiveness of this model in modifying policyholder behavior is becoming increasingly evident in recent road safety metrics; according to Cambridge Mobile Telematics' April 2025 report, 'The State of U.S. Road Risk in 2024,' distracted driving incidents decreased by 8.6% in 2024, a significant improvement directly attributed to growing enrollment in connected insurance programs that reward risk-averse actions.

Concurrently, the growth of parametric insurance solutions is accelerating as a critical response to the intensifying frequency and severity of climate-related risks. Unlike traditional indemnity policies that require lengthy loss adjustments, parametric architectures utilize pre-defined triggers-such as wind speed or flood levels-to execute automatic, near-instantaneous payouts, thereby injecting liquidity immediately after a catastrophe. This mechanism is proving essential in bridging the coverage disparity left by conventional markets; according to Swiss Re's 'sigma' report from May 2025, global insured losses from natural catastrophes totaled 137 billion United States Dollars in 2024, leaving a substantial protection gap of 181 billion United States Dollars that parametric insurtechs are increasingly targeting to enhance climate resilience.

Key Market Players

  • Oscar Insurance Corporation
  • Root Inc.
  • Doma Holdings, Inc.
  • Clover Health Investments Corp
  • Policybazaar Insurance Brokers Private Limited
  • Trov Insurance Solutions, LLC
  • ZhongAn Online P&C Insurance Co. Ltd.
  • Acko General Insurance Limited
  • Apollo Insurance Solutions Ltd
  • Prudential Financial, Inc.

Report Scope

In this report, the Global Insurtech Market has been segmented into the following categories, in addition to the industry trends which have also been detailed below:

Insurtech Market, By Type

  • Life Insurance
  • Health Insurance
  • Travel Insurance
  • Home Insurance
  • Property Insurance
  • Auto Insurance
  • Others (Theft Insurance, Corporate Insurance)

Insurtech Market, By Premium Range

  • Up to USD500
  • USD501-2000
  • USD2001-5000
  • Above USD5000

Insurtech Market, By Region

  • North America
    • United States
    • Canada
    • Mexico
  • Europe
    • France
    • United Kingdom
    • Italy
    • Germany
    • Spain
  • Asia Pacific
    • China
    • India
    • Japan
    • Australia
    • South Korea
  • South America
    • Brazil
    • Argentina
    • Colombia
  • Middle East & Africa
    • South Africa
    • Saudi Arabia
    • UAE

Competitive Landscape

Company Profiles: Detailed analysis of the major companies present in the Global Insurtech Market.

Available Customizations:

Global Insurtech Market report with the given market data, TechSci Research offers customizations according to a company's specific needs. The following customization options are available for the report:

Company Information

  • Detailed analysis and profiling of additional market players (up to five).

Table of Contents

1. Product Overview

  • 1.1. Market Definition
  • 1.2. Scope of the Market
    • 1.2.1. Markets Covered
    • 1.2.2. Years Considered for Study
    • 1.2.3. Key Market Segmentations

2. Research Methodology

  • 2.1. Objective of the Study
  • 2.2. Baseline Methodology
  • 2.3. Key Industry Partners
  • 2.4. Major Association and Secondary Sources
  • 2.5. Forecasting Methodology
  • 2.6. Data Triangulation & Validation
  • 2.7. Assumptions and Limitations

3. Executive Summary

  • 3.1. Overview of the Market
  • 3.2. Overview of Key Market Segmentations
  • 3.3. Overview of Key Market Players
  • 3.4. Overview of Key Regions/Countries
  • 3.5. Overview of Market Drivers, Challenges, Trends

4. Voice of Customer

5. Global Insurtech Market Outlook

  • 5.1. Market Size & Forecast
    • 5.1.1. By Value
  • 5.2. Market Share & Forecast
    • 5.2.1. By Type (Life Insurance, Health Insurance, Travel Insurance, Home Insurance, Property Insurance, Auto Insurance, Others (Theft Insurance, Corporate Insurance))
    • 5.2.2. By Premium Range (Up to USD500, USD501-2000, USD2001-5000, Above USD5000)
    • 5.2.3. By Region
    • 5.2.4. By Company (2025)
  • 5.3. Market Map

6. North America Insurtech Market Outlook

  • 6.1. Market Size & Forecast
    • 6.1.1. By Value
  • 6.2. Market Share & Forecast
    • 6.2.1. By Type
    • 6.2.2. By Premium Range
    • 6.2.3. By Country
  • 6.3. North America: Country Analysis
    • 6.3.1. United States Insurtech Market Outlook
      • 6.3.1.1. Market Size & Forecast
        • 6.3.1.1.1. By Value
      • 6.3.1.2. Market Share & Forecast
        • 6.3.1.2.1. By Type
        • 6.3.1.2.2. By Premium Range
    • 6.3.2. Canada Insurtech Market Outlook
      • 6.3.2.1. Market Size & Forecast
        • 6.3.2.1.1. By Value
      • 6.3.2.2. Market Share & Forecast
        • 6.3.2.2.1. By Type
        • 6.3.2.2.2. By Premium Range
    • 6.3.3. Mexico Insurtech Market Outlook
      • 6.3.3.1. Market Size & Forecast
        • 6.3.3.1.1. By Value
      • 6.3.3.2. Market Share & Forecast
        • 6.3.3.2.1. By Type
        • 6.3.3.2.2. By Premium Range

7. Europe Insurtech Market Outlook

  • 7.1. Market Size & Forecast
    • 7.1.1. By Value
  • 7.2. Market Share & Forecast
    • 7.2.1. By Type
    • 7.2.2. By Premium Range
    • 7.2.3. By Country
  • 7.3. Europe: Country Analysis
    • 7.3.1. Germany Insurtech Market Outlook
      • 7.3.1.1. Market Size & Forecast
        • 7.3.1.1.1. By Value
      • 7.3.1.2. Market Share & Forecast
        • 7.3.1.2.1. By Type
        • 7.3.1.2.2. By Premium Range
    • 7.3.2. France Insurtech Market Outlook
      • 7.3.2.1. Market Size & Forecast
        • 7.3.2.1.1. By Value
      • 7.3.2.2. Market Share & Forecast
        • 7.3.2.2.1. By Type
        • 7.3.2.2.2. By Premium Range
    • 7.3.3. United Kingdom Insurtech Market Outlook
      • 7.3.3.1. Market Size & Forecast
        • 7.3.3.1.1. By Value
      • 7.3.3.2. Market Share & Forecast
        • 7.3.3.2.1. By Type
        • 7.3.3.2.2. By Premium Range
    • 7.3.4. Italy Insurtech Market Outlook
      • 7.3.4.1. Market Size & Forecast
        • 7.3.4.1.1. By Value
      • 7.3.4.2. Market Share & Forecast
        • 7.3.4.2.1. By Type
        • 7.3.4.2.2. By Premium Range
    • 7.3.5. Spain Insurtech Market Outlook
      • 7.3.5.1. Market Size & Forecast
        • 7.3.5.1.1. By Value
      • 7.3.5.2. Market Share & Forecast
        • 7.3.5.2.1. By Type
        • 7.3.5.2.2. By Premium Range

8. Asia Pacific Insurtech Market Outlook

  • 8.1. Market Size & Forecast
    • 8.1.1. By Value
  • 8.2. Market Share & Forecast
    • 8.2.1. By Type
    • 8.2.2. By Premium Range
    • 8.2.3. By Country
  • 8.3. Asia Pacific: Country Analysis
    • 8.3.1. China Insurtech Market Outlook
      • 8.3.1.1. Market Size & Forecast
        • 8.3.1.1.1. By Value
      • 8.3.1.2. Market Share & Forecast
        • 8.3.1.2.1. By Type
        • 8.3.1.2.2. By Premium Range
    • 8.3.2. India Insurtech Market Outlook
      • 8.3.2.1. Market Size & Forecast
        • 8.3.2.1.1. By Value
      • 8.3.2.2. Market Share & Forecast
        • 8.3.2.2.1. By Type
        • 8.3.2.2.2. By Premium Range
    • 8.3.3. Japan Insurtech Market Outlook
      • 8.3.3.1. Market Size & Forecast
        • 8.3.3.1.1. By Value
      • 8.3.3.2. Market Share & Forecast
        • 8.3.3.2.1. By Type
        • 8.3.3.2.2. By Premium Range
    • 8.3.4. South Korea Insurtech Market Outlook
      • 8.3.4.1. Market Size & Forecast
        • 8.3.4.1.1. By Value
      • 8.3.4.2. Market Share & Forecast
        • 8.3.4.2.1. By Type
        • 8.3.4.2.2. By Premium Range
    • 8.3.5. Australia Insurtech Market Outlook
      • 8.3.5.1. Market Size & Forecast
        • 8.3.5.1.1. By Value
      • 8.3.5.2. Market Share & Forecast
        • 8.3.5.2.1. By Type
        • 8.3.5.2.2. By Premium Range

9. Middle East & Africa Insurtech Market Outlook

  • 9.1. Market Size & Forecast
    • 9.1.1. By Value
  • 9.2. Market Share & Forecast
    • 9.2.1. By Type
    • 9.2.2. By Premium Range
    • 9.2.3. By Country
  • 9.3. Middle East & Africa: Country Analysis
    • 9.3.1. Saudi Arabia Insurtech Market Outlook
      • 9.3.1.1. Market Size & Forecast
        • 9.3.1.1.1. By Value
      • 9.3.1.2. Market Share & Forecast
        • 9.3.1.2.1. By Type
        • 9.3.1.2.2. By Premium Range
    • 9.3.2. UAE Insurtech Market Outlook
      • 9.3.2.1. Market Size & Forecast
        • 9.3.2.1.1. By Value
      • 9.3.2.2. Market Share & Forecast
        • 9.3.2.2.1. By Type
        • 9.3.2.2.2. By Premium Range
    • 9.3.3. South Africa Insurtech Market Outlook
      • 9.3.3.1. Market Size & Forecast
        • 9.3.3.1.1. By Value
      • 9.3.3.2. Market Share & Forecast
        • 9.3.3.2.1. By Type
        • 9.3.3.2.2. By Premium Range

10. South America Insurtech Market Outlook

  • 10.1. Market Size & Forecast
    • 10.1.1. By Value
  • 10.2. Market Share & Forecast
    • 10.2.1. By Type
    • 10.2.2. By Premium Range
    • 10.2.3. By Country
  • 10.3. South America: Country Analysis
    • 10.3.1. Brazil Insurtech Market Outlook
      • 10.3.1.1. Market Size & Forecast
        • 10.3.1.1.1. By Value
      • 10.3.1.2. Market Share & Forecast
        • 10.3.1.2.1. By Type
        • 10.3.1.2.2. By Premium Range
    • 10.3.2. Colombia Insurtech Market Outlook
      • 10.3.2.1. Market Size & Forecast
        • 10.3.2.1.1. By Value
      • 10.3.2.2. Market Share & Forecast
        • 10.3.2.2.1. By Type
        • 10.3.2.2.2. By Premium Range
    • 10.3.3. Argentina Insurtech Market Outlook
      • 10.3.3.1. Market Size & Forecast
        • 10.3.3.1.1. By Value
      • 10.3.3.2. Market Share & Forecast
        • 10.3.3.2.1. By Type
        • 10.3.3.2.2. By Premium Range

11. Market Dynamics

  • 11.1. Drivers
  • 11.2. Challenges

12. Market Trends & Developments

  • 12.1. Merger & Acquisition (If Any)
  • 12.2. Product Launches (If Any)
  • 12.3. Recent Developments

13. Global Insurtech Market: SWOT Analysis

14. Porter's Five Forces Analysis

  • 14.1. Competition in the Industry
  • 14.2. Potential of New Entrants
  • 14.3. Power of Suppliers
  • 14.4. Power of Customers
  • 14.5. Threat of Substitute Products

15. Competitive Landscape

  • 15.1. Oscar Insurance Corporation
    • 15.1.1. Business Overview
    • 15.1.2. Products & Services
    • 15.1.3. Recent Developments
    • 15.1.4. Key Personnel
    • 15.1.5. SWOT Analysis
  • 15.2. Root Inc.
  • 15.3. Doma Holdings, Inc.
  • 15.4. Clover Health Investments Corp
  • 15.5. Policybazaar Insurance Brokers Private Limited
  • 15.6. Trov Insurance Solutions, LLC
  • 15.7. ZhongAn Online P&C Insurance Co. Ltd.
  • 15.8. Acko General Insurance Limited
  • 15.9. Apollo Insurance Solutions Ltd
  • 15.10. Prudential Financial, Inc.

16. Strategic Recommendations

17. About Us & Disclaimer