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市場調查報告書

商品編碼

1708132

保險科技市場機會、成長動力、產業趨勢分析及 2025 - 2034 年預測

Insurtech Market Opportunity, Growth Drivers, Industry Trend Analysis, and Forecast 2025 - 2034

出版日期: 2025年03月04日 | 出版商:

Global Market Insights Inc. | 英文 170 Pages | 商品交期: 2-3個工作天內

價格

簡介目錄

2024 年全球保險科技市場價值為 53 億美元，預計 2025 年至 2034 年期間的複合年成長率為 36%。這一令人印象深刻的擴張是由人工智慧 (AI) 和機器學習 (ML) 等尖端技術的快速應用所推動的，這些技術正在重新定義保險格局。隨著數位轉型的加速，保險科技公司正在利用人工智慧驅動的自動化來提高效率、簡化索賠處理並改善客戶互動。這些進步顯著降低了營運成本並改善了詐欺檢測，使保險服務更快、更安全、更加以客戶為中心。行動應用程式、聊天機器人和高級分析平台的日益普及進一步促進了該行業的發展，為保單持有人提供了無縫的數位體驗。

監管支持和不斷變化的消費者偏好也影響保險科技市場的發展軌跡。世界各國政府和金融監理機構都認可數位保險解決方案，放寬合規要求，並鼓勵傳統保險公司和新創企業之間的競爭。消費者越來越被技術驅動的保險模式所吸引，這些模式提供即時索賠追蹤、個人化保單建議和快速爭議解決。基於使用情況的保險（UBI）、參數保險和嵌入式保險解決方案的需求正在激增，推動了該領域的創新。此外，保險科技公司和老牌保險提供者之間的合作正在促進混合解決方案的發展，確保數位便利性和傳統風險評估之間的平衡。

市場範圍
起始年份	2024
預測年份	2025-2034
起始值	53億美元
預測值	1329億美元
複合年成長率	36%

市場根據部署模式進行分類，其中內部部署和基於雲端的解決方案佔據主導地位。內部部署部分佔了 60% 的市場佔有率，預計到 2034 年將創造 700 億美元的市場價值。這種主導地位很大程度上歸功於內部部署基礎設施提供的增強的安全性，這對於處理敏感客戶和業務資料的行業來說仍然至關重要。金融機構、醫療保健提供者和保險公司優先考慮內部部署解決方案，以確保符合 GDPR、HIPAA 和 PCI-DSS 等監管框架。這些法規要求採取嚴格的資料保護措施，使得內部部署對於優先考慮資料控制和網路安全的企業來說成為一個有吸引力的選擇。

保險科技市場也按分銷管道細分，包括經紀人和代理商、直接面對消費者 (D2C) 和其他方式。 2024 年，經紀人和代理商部門佔了 62.7% 的市場佔有率，凸顯了人力專業知識在保險交易中仍然具有重要意義。經紀人和代理人在協助客戶處理複雜的保單結構、提供客製化建議以及幫助客戶進行風險評估方面發揮著至關重要的作用。他們協商客製化保險解決方案的能力使他們比純數位模式具有競爭優勢，特別是在高價值保險類別中。儘管自動化保險平台興起，但許多消費者仍喜歡個人化諮詢，以確保全面的保障和財務安全。

2024 年，北美保險科技市場產值將達到 12 億美元，美國將成為該領域的主導力量。該國成熟的保險業加上先進的技術基礎設施，使其處於全球保險科技創新的前沿。美國的監管環境培育了一個競爭性的生態系統，鼓勵採用數位保險並激勵新創公司開發創新解決方案。美國高度重視人工智慧驅動的核保、基於區塊鏈的智慧合約以及物聯網驅動的風險評估，持續塑造保險科技的未來。這些因素，加上創投和金融機構不斷增加的投資，鞏固了北美在數位保險革命中的領導地位。

產業生態系統分析
- 供應商格局
  - 技術提供者
  - 保險提供者
  - 經銷商
  - 最終用途
- 利潤率分析
技術與創新格局
專利分析
用例
監管格局
衝擊力
- 成長動力
  - 利用人工智慧、區塊鏈、物聯網和雲端運算進行數位轉型
  - 對個人化和靈活的保險解決方案的需求不斷成長
  - 增加投資和合作關係，推動創新
  - 支持數位創新的監管舉措
- 產業陷阱與挑戰
  - 資料安全和隱私問題
  - 與遺留系統整合並滿足複雜的監管要求
成長潛力分析
波特的分析
PESTEL分析

第4章：競爭格局

介紹
公司市佔率分析
競爭定位矩陣
戰略展望矩陣

第5章：市場估計與預測：按類型，2021 - 2034 年

主要趨勢
健康保險
人壽保險
財產和意外保險
汽車保險
專業保險
再保險

第6章：市場估計與預測：依技術分類，2021 - 2034 年

主要趨勢
人工智慧 (AI) 與機器學習 (ML)
巨量資料與分析
區塊鏈
物聯網 (IoT)
遠端資訊處理
雲端運算

第7章：市場估計與預測：依部署模式，2021 - 2034 年

主要趨勢
本地
基於雲端

第8章：市場估計與預測：按配銷通路，2021 - 2034 年

主要趨勢
直接面對消費者（D2C）
經紀人和代理人
其他

第9章：市場估計與預測：按地區，2021 - 2034 年

主要趨勢
北美洲
- 美國
- 加拿大
歐洲
- 英國
- 德國
- 法國
- 義大利
- 西班牙
- 俄羅斯
- 北歐人
亞太地區
- 中國
- 印度
- 日本
- 澳洲
- 韓國
- 東南亞
拉丁美洲
- 巴西
- 墨西哥
- 阿根廷
MEA
- 阿拉伯聯合大公國
- 南非
- 沙烏地阿拉伯

第10章：公司簡介

Alan
BIMA
Bolttech
Bright Health Group
Clover Health
Coalition
Cover Genius
Duck Creek Technologies
GoHealth
Hippo Insurance
Lemonade
Metromile
Next Insurance
Oscar Health
PolicyBazaar
Root Insurance
Shift Technology
Trov
Wefox
ZhongAn Insurance

簡介目錄

Product Code: 13267

The Global Insurtech Market was valued at USD 5.3 billion in 2024 and is projected to grow at a CAGR of 36% between 2025 and 2034. This impressive expansion is fueled by the rapid adoption of cutting-edge technologies like artificial intelligence (AI) and machine learning (ML), which are redefining the insurance landscape. As digital transformation accelerates, Insurtech firms are leveraging AI-driven automation to enhance efficiency, streamline claim processing, and improve customer interactions. These advancements significantly reduce operational costs and improve fraud detection, making insurance services faster, more secure, and more customer-centric. The growing penetration of mobile applications, chatbots, and advanced analytics platforms further contributes to the sector's development, offering policyholders seamless digital experiences.

Regulatory support and evolving consumer preferences also shape the Insurtech market's trajectory. Governments and financial regulators worldwide endorse digital insurance solutions, easing compliance requirements, and encouraging competition among traditional insurers and startups. Consumers are increasingly drawn to tech-driven insurance models that provide real-time claim tracking, personalized policy recommendations, and swift dispute resolutions. The demand for usage-based insurance (UBI), parametric insurance, and embedded insurance solutions is surging, driving innovation in the sector. Additionally, partnerships between Insurtech firms and established insurance providers are fostering the development of hybrid solutions, ensuring a balance between digital convenience and traditional risk assessment.

Market Scope
Start Year	2024
Forecast Year	2025-2034
Start Value	$5.3 Billion
Forecast Value	$132.9 Billion
CAGR	36%

The market is categorized based on deployment models, with on-premises and cloud-based solutions leading the segment. The on-premises segment held a 60% market share and is forecasted to generate USD 70 billion by 2034. This dominance is largely due to the enhanced security offered by on-premises infrastructure, which remains critical for industries handling sensitive customer and business data. Financial institutions, healthcare providers, and insurance companies prioritize on-premises solutions to ensure compliance with regulatory frameworks like GDPR, HIPAA, and PCI-DSS. These regulations necessitate stringent data protection measures, making on-premises deployment an attractive choice for enterprises prioritizing data control and cybersecurity.

The Insurtech market is also segmented by distribution channels, which include brokers & agents, Direct-to-Consumer (D2C), and other methods. The brokers & agents segment held a 62.7% market share in 2024, underscoring the continued relevance of human expertise in insurance transactions. Brokers and agents play a vital role in assisting clients with complex policy structures, providing tailored advice, and helping customers navigate risk assessments. Their ability to negotiate customized coverage solutions offers a competitive edge over digital-only models, particularly in high-value insurance categories. Despite the rise of automated insurance platforms, many consumers still prefer personalized consultation to ensure comprehensive coverage and financial security.

North America Insurtech market generated USD 1.2 billion in 2024, with the United States emerging as a dominant force in the sector. The country's well-established insurance industry, coupled with its advanced technological infrastructure, positions it at the forefront of global Insurtech innovation. The U.S. regulatory environment fosters a competitive ecosystem that encourages digital insurance adoption and incentivizes startups to develop innovative solutions. With a strong emphasis on AI-driven underwriting, blockchain-based smart contracts, and IoT-powered risk assessments, the U.S. continues to shape the future of Insurtech. These factors, combined with increasing investments from venture capitalists and financial institutions, solidify North America's leadership in the digital insurance revolution.

Chapter 1 Methodology & Scope

1.1 Research design
- 1.1.1 Research approach
- 1.1.2 Data collection methods
1.2 Base estimates & calculations
- 1.2.1 Base year calculation
- 1.2.2 Key trends for market estimation
1.3 Forecast model
1.4 Primary research and validation
- 1.4.1 Primary sources
- 1.4.2 Data mining sources
1.5 Market scope & definition

Chapter 2 Executive Summary

2.1 Industry 360⁰ synopsis, 2021 - 2034

Chapter 3 Industry Insights

3.1 Industry ecosystem analysis
- 3.1.1 Supplier landscape
  - 3.1.1.1 Technology providers
  - 3.1.1.2 Insurance providers
  - 3.1.1.3 Distributors
  - 3.1.1.4 End use
- 3.1.2 Profit margin analysis
3.2 Technology & innovation landscape
3.3 Patent analysis
3.4 Use cases
3.5 Regulatory landscape
3.6 Impact forces
- 3.6.1 Growth drivers
  - 3.6.1.1 Digital transformation using AI, blockchain, IoT, and cloud computing
  - 3.6.1.2 Growing demand for personalized and flexible insurance solutions
  - 3.6.1.3 Increased investments and partnerships fuelling innovation
  - 3.6.1.4 Regulatory initiatives supporting digital innovation
- 3.6.2 Industry pitfalls & challenges
  - 3.6.2.1 Data security and privacy concerns
  - 3.6.2.2 Integration with legacy systems and navigating complex regulatory requirements
3.7 Growth potential analysis
3.8 Porter's analysis
3.9 PESTEL analysis

Chapter 4 Competitive Landscape, 2024

4.1 Introduction
4.2 Company market share analysis
4.3 Competitive positioning matrix
4.4 Strategic outlook matrix

Chapter 5 Market Estimates & Forecast, By Type, 2021 - 2034 ($Bn)

5.1 Key trends
5.2 Health insurance
5.3 Life insurance
5.4 Property & casualty (P&C) insurance
5.5 Auto insurance
5.6 Specialty insurance
5.7 Reinsurance

Chapter 6 Market Estimates & Forecast, By Technology, 2021 - 2034 ($Bn)

6.1 Key trends
6.2 Artificial intelligence (AI) & machine learning (ML)
6.3 Big data & analytics
6.4 Blockchain
6.5 Internet of things (IoT)
6.6 Telematics
6.7 Cloud computing

Chapter 7 Market Estimates & Forecast, By Deployment Mode, 2021 - 2034 ($Bn)

7.1 Key trends
7.2 On-Premises
7.3 Cloud-Based

Chapter 8 Market Estimates & Forecast, By Distribution Channel, 2021 - 2034 ($Bn)

8.1 Key trends
8.2 Direct-to-Consumer (D2C)
8.3 Brokers & agents
8.4 Others

Chapter 9 Market Estimates & Forecast, By Region, 2021 - 2034 ($Bn)

9.1 Key trends
9.2 North America
- 9.2.1 U.S.
- 9.2.2 Canada
9.3 Europe
- 9.3.1 UK
- 9.3.2 Germany
- 9.3.3 France
- 9.3.4 Italy
- 9.3.5 Spain
- 9.3.6 Russia
- 9.3.7 Nordics
9.4 Asia Pacific
- 9.4.1 China
- 9.4.2 India
- 9.4.3 Japan
- 9.4.4 Australia
- 9.4.5 South Korea
- 9.4.6 Southeast Asia
9.5 Latin America
- 9.5.1 Brazil
- 9.5.2 Mexico
- 9.5.3 Argentina
9.6 MEA
- 9.6.1 UAE
- 9.6.2 South Africa
- 9.6.3 Saudi Arabia