全球物聯網 (IoT) 保險市場

Internet of Things (IoT) Insurance

出版日期: 2024年10月30日 | 出版商:

Global Industry Analysts, Inc. | 英文 93 Pages | 商品交期: 最快1-2個工作天內

價格

※ 本網頁內容可能與最新版本有所差異。詳細情況請與我們聯繫。

簡介目錄

2030年，全球物聯網（IoT）保險市場預計將達到3,907億美元

預計 2023 年全球物聯網 (IoT) 保險市場規模將達到 448 億美元，預計在 2023 年至 2030 年分析期間將以 36.3% 的複合年成長率成長，並在 2030 年達到 3907 億美元。汽車和交通應用是本報告分析的細分市場之一，預計複合年成長率為 38.1%，到分析期結束時將達到 1,532 億美元。分析期間內，生命與健康應用領域的複合年成長率預計為 40.1%。

美國市場預計135億美元，中國預計複合年成長率34.5%

預計 2023 年美國物聯網 (IoT) 保險市場規模將達到 135 億美元。中國作為世界第二大經濟體，預計2030年市場規模將達635億美元，2023-2030年分析期間複合年成長率為34.5%。其他值得注意的區域市場包括日本和加拿大，在分析期間預計複合年成長率分別為 33.0% 和 30.9%。在歐洲，德國預計複合年成長率為 24.8%。

全球物聯網 (IoT) 保險市場 - 主要趨勢和促進因素總結

物聯網 (IoT) 如何改變保險業？

物聯網 (IoT) 透過實現更準確的風險評估、提高客戶參與和簡化索賠處理，正在改變保險業。連網型汽車、穿戴式健康監測器和智慧家庭系統等物聯網設備為保險公司提供有關投保人行為和環境的即時資料，從而實現更個人化和動態的風險定價。例如，汽車中的遠端資訊處理設備追蹤駕駛行為並幫助保險公司提供基於使用情況的保險（UBI）來獎勵安全駕駛。在健康保險中，穿戴式裝置可以監測身體活動和生命徵象，使保險公司能夠提供健康獎勵和預防性護理計劃。物聯網解決方案還用於自動化保險申請處理、檢測詐欺並透過即時資料收集和分析來改善客戶服務。

科技進步如何形塑保險業的物聯網？

物聯網感測器、人工智慧和資料分析方面的技術進步正在推動物聯網在保險業的採用。嵌入汽車、家庭和穿戴式裝置中的物聯網感測器變得更加準確和節能，能夠持續收集有關投保人行為和環境條件的資料。人工智慧驅動的分析平台與物聯網系統整合，可以分析大量資料，為保險公司提供預測性見解，幫助他們改善風險評估、防止詐欺並提供個人化保險。區塊鏈技術也正在成為一項關鍵創新，它可以實現保險公司和投保人之間安全、透明的資料共用，從而增強信任並降低詐欺風險。這些進步使得物聯網解決方案對於尋求改善保險服務和降低營運成本的保險公司來說更加容易和有效。

市場區隔如何定義保險業物聯網的成長？

應用包括汽車保險、醫療保險、產物保險以及人壽保險，其中汽車保險由於遠端資訊處理和基於使用的保險政策的盛行而引領市場。組件包括感測器和連網型設備等硬體、用於資料管理和分析的軟體平台以及系統整合和支援等服務。從地理上看，在遠端資訊處理和物聯網保險解決方案的早期採用的推動下，北美和歐洲佔據了市場主導地位。與此同時，亞太地區的保險公司正在擁抱數位轉型和連網型技術，預計將顯著成長。

推動物聯網保險市場成長的因素有哪些？

物聯網保險市場的成長受到多種因素的推動，包括對個人化保險單的需求不斷成長、連網型設備的進步以及對更準確的風險評估的需求。隨著消費者尋求更靈活和客製化的保險選擇，保險公司正在採用物聯網解決方案來提供符合個人行為和偏好的基於使用情況的保險。遠端資訊處理、穿戴式裝置和人工智慧主導的分析等技術創新也使保險公司能夠即時收集和分析詐欺行為的資料，以改善風險評估並防止詐欺。此外，對數位轉型的日益關注以及簡化申請處理和客戶服務的需求也推動了對物聯網保險解決方案的投資。

受訪企業範例（37家知名企業）

Accenture
Capgemini
Cognizant
Hippo Insurance
IBM Corporation
Lemonade Inc
LexisNexis
Oracle Corporation
SAP SE
Zonoff Inc

The global market for Internet of Things (IoT) Insurance estimated at US$44.8 Billion in the year 2023, is expected to reach US$390.7 Billion by 2030, growing at a CAGR of 36.3% over the analysis period 2023-2030. Automotive & Transportation Application, one of the segments analyzed in the report, is expected to record a 38.1% CAGR and reach US$153.2 Billion by the end of the analysis period. Growth in the Life & Health Application segment is estimated at 40.1% CAGR over the analysis period.

The U.S. Market is Estimated at US$13.5 Billion While China is Forecast to Grow at 34.5% CAGR

The Internet of Things (IoT) Insurance market in the U.S. is estimated at US$13.5 Billion in the year 2023. China, the world's second largest economy, is forecast to reach a projected market size of US$63.5 Billion by the year 2030 trailing a CAGR of 34.5% over the analysis period 2023-2030. Among the other noteworthy geographic markets are Japan and Canada, each forecast to grow at a CAGR of 33.0% and 30.9% respectively over the analysis period. Within Europe, Germany is forecast to grow at approximately 24.8% CAGR.

Global Internet of Things (IoT) Insurance Market - Key Trends and Drivers Summarized

How Is the Internet of Things (IoT) Reshaping the Insurance Industry?

The Internet of Things (IoT) is transforming the insurance industry by enabling more accurate risk assessments, improving customer engagement, and streamlining claims processing. IoT devices such as connected vehicles, wearable health monitors, and smart home systems provide insurers with real-time data on policyholders' behaviors and environments, allowing for more personalized and dynamic risk pricing. For example, telematics devices in vehicles track driving behavior, helping insurers offer usage-based insurance (UBI) policies that reward safe driving. In health insurance, wearables monitor physical activity and vital signs, enabling insurers to offer wellness incentives and preventative care plans. IoT solutions are also being used to automate claims processing, detect fraud, and improve customer service through real-time data collection and analysis.

How Are Technological Advancements Shaping IoT in Insurance?

Technological advancements in IoT sensors, AI, and data analytics are driving the adoption of IoT in the insurance sector. IoT sensors embedded in vehicles, homes, and wearable devices are becoming more accurate and energy-efficient, enabling continuous data collection on policyholder behavior and environmental conditions. AI-powered analytics platforms are being integrated with IoT systems to analyze vast amounts of data, providing insurers with predictive insights that help improve risk assessments, prevent fraud, and offer personalized policies. Blockchain technology is also emerging as a key innovation, offering secure, transparent data sharing between insurers and policyholders, enhancing trust and reducing fraud risks. These advancements are making IoT solutions more accessible and effective for insurers looking to improve their offerings and reduce operational costs.

How Do Market Segments Define the Growth of IoT in Insurance?

Applications include automotive insurance, health insurance, property insurance, and life insurance, with automotive insurance leading the market due to the widespread adoption of telematics and usage-based insurance policies. Components include hardware such as sensors and connected devices, software platforms for data management and analytics, and services such as system integration and support. Geographically, North America and Europe dominate the market, driven by early adoption of telematics and IoT-enabled insurance solutions, while Asia-Pacific is expected to see significant growth as insurers in the region embrace digital transformation and connected technologies.

What Factors Are Driving the Growth in the IoT Insurance Market?

The growth in the IoT insurance market is driven by several factors, including the increasing demand for personalized insurance policies, advancements in connected devices, and the need for more accurate risk assessment. As consumers seek more flexible and customized insurance options, insurers are adopting IoT solutions to offer usage-based policies that align with individual behaviors and preferences. Technological innovations in telematics, wearables, and AI-driven analytics are also fueling growth by enabling insurers to collect and analyze real-time data on policyholder behavior, improving risk assessments and preventing fraud. Additionally, the rising focus on digital transformation and the need to streamline claims processing and customer service are driving investments in IoT-enabled insurance solutions.

Select Competitors (Total 37 Featured) -

Accenture
Capgemini
Cognizant
Hippo Insurance
IBM Corporation
Lemonade Inc
LexisNexis
Oracle Corporation
SAP SE
Zonoff Inc

I. METHODOLOGY

II. EXECUTIVE SUMMARY

1. MARKET OVERVIEW
- Influencer Market Insights
- World Market Trajectories
- Global Economic Update
- Internet of Things (IoT) Insurance - Global Key Competitors Percentage Market Share in 2024 (E)
- Competitive Market Presence - Strong/Active/Niche/Trivial for Players Worldwide in 2024 (E)
2. FOCUS ON SELECT PLAYERS
3. MARKET TRENDS & DRIVERS
- Rising Demand for Usage-Based Insurance (UBI) Models Drives IoT Adoption in Insurance
- Technological Advancements in IoT-Enabled Telematics and Connected Vehicles Strengthen Market Growth
- Growing Use of IoT in Fraud Detection and Prevention Expands Addressable Market for Insurance
- Focus on Real-Time Data Collection and Risk Assessment Fuels IoT Adoption in Insurance
- Rising Demand for Health and Wellness Monitoring Through IoT Wearables Expands Insurance Market Opportunities
- Technological Innovations in Smart Home Devices for Insurance Risk Management Propel IoT Growth
- Expansion of IoT in Commercial Insurance for Property and Asset Tracking Drives Adoption
- Growing Focus on Personalized Insurance Solutions Through IoT Data and Analytics Fuels Market Growth
- Increasing Use of IoT for Predictive Analytics and Risk Mitigation in Insurance Expands Opportunities
- Focus on Enhancing Customer Experience and Loyalty Through IoT-Driven Insurance Models Drives Growth
- Rising Adoption of IoT in Vehicle Insurance for Real-Time Monitoring and Claims Processing Fuels Market Growth
- Technological Advancements in AI and Machine Learning for IoT-Powered Insurance Solutions Propel Innovation
4. GLOBAL MARKET PERSPECTIVE
- TABLE 1: World Internet of Things (IoT) Insurance Market Analysis of Annual Sales in US$ Million for Years 2014 through 2030
- TABLE 2: World Recent Past, Current & Future Analysis for Internet of Things (IoT) Insurance by Geographic Region - USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World Markets - Independent Analysis of Annual Revenues in US$ Million for Years 2023 through 2030 and % CAGR
- TABLE 3: World 7-Year Perspective for Internet of Things (IoT) Insurance by Geographic Region - Percentage Breakdown of Value Revenues for USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World Markets for Years 2024 & 2030
- TABLE 4: World Recent Past, Current & Future Analysis for Automotive & Transportation by Geographic Region - USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World Markets - Independent Analysis of Annual Revenues in US$ Million for Years 2023 through 2030 and % CAGR
- TABLE 5: World 7-Year Perspective for Automotive & Transportation by Geographic Region - Percentage Breakdown of Value Revenues for USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World for Years 2024 & 2030
- TABLE 6: World Recent Past, Current & Future Analysis for Life & Health by Geographic Region - USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World Markets - Independent Analysis of Annual Revenues in US$ Million for Years 2023 through 2030 and % CAGR
- TABLE 7: World 7-Year Perspective for Life & Health by Geographic Region - Percentage Breakdown of Value Revenues for USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World for Years 2024 & 2030
- TABLE 8: World Recent Past, Current & Future Analysis for Home & Commercial Buildings by Geographic Region - USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World Markets - Independent Analysis of Annual Revenues in US$ Million for Years 2023 through 2030 and % CAGR
- TABLE 9: World 7-Year Perspective for Home & Commercial Buildings by Geographic Region - Percentage Breakdown of Value Revenues for USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World for Years 2024 & 2030
- TABLE 10: World Recent Past, Current & Future Analysis for Business & Enterprise by Geographic Region - USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World Markets - Independent Analysis of Annual Revenues in US$ Million for Years 2023 through 2030 and % CAGR
- TABLE 11: World 7-Year Perspective for Business & Enterprise by Geographic Region - Percentage Breakdown of Value Revenues for USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World for Years 2024 & 2030
- TABLE 12: World Recent Past, Current & Future Analysis for Other Applications by Geographic Region - USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World Markets - Independent Analysis of Annual Revenues in US$ Million for Years 2023 through 2030 and % CAGR
- TABLE 13: World 7-Year Perspective for Other Applications by Geographic Region - Percentage Breakdown of Value Revenues for USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World for Years 2024 & 2030

III. MARKET ANALYSIS

UNITED STATES
- Internet of Things (IoT) Insurance Market Presence - Strong/Active/Niche/Trivial - Key Competitors in the United States for 2024 (E)
- TABLE 14: USA Recent Past, Current & Future Analysis for Internet of Things (IoT) Insurance by Application - Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications - Independent Analysis of Annual Revenues in US$ Million for the Years 2023 through 2030 and % CAGR
- TABLE 15: USA 7-Year Perspective for Internet of Things (IoT) Insurance by Application - Percentage Breakdown of Value Revenues for Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications for the Years 2024 & 2030
CANADA
- TABLE 16: Canada Recent Past, Current & Future Analysis for Internet of Things (IoT) Insurance by Application - Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications - Independent Analysis of Annual Revenues in US$ Million for the Years 2023 through 2030 and % CAGR
- TABLE 17: Canada 7-Year Perspective for Internet of Things (IoT) Insurance by Application - Percentage Breakdown of Value Revenues for Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications for the Years 2024 & 2030
JAPAN
- Internet of Things (IoT) Insurance Market Presence - Strong/Active/Niche/Trivial - Key Competitors in Japan for 2024 (E)
- TABLE 18: Japan Recent Past, Current & Future Analysis for Internet of Things (IoT) Insurance by Application - Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications - Independent Analysis of Annual Revenues in US$ Million for the Years 2023 through 2030 and % CAGR
- TABLE 19: Japan 7-Year Perspective for Internet of Things (IoT) Insurance by Application - Percentage Breakdown of Value Revenues for Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications for the Years 2024 & 2030
CHINA
- Internet of Things (IoT) Insurance Market Presence - Strong/Active/Niche/Trivial - Key Competitors in China for 2024 (E)
- TABLE 20: China Recent Past, Current & Future Analysis for Internet of Things (IoT) Insurance by Application - Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications - Independent Analysis of Annual Revenues in US$ Million for the Years 2023 through 2030 and % CAGR
- TABLE 21: China 7-Year Perspective for Internet of Things (IoT) Insurance by Application - Percentage Breakdown of Value Revenues for Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications for the Years 2024 & 2030
EUROPE
- Internet of Things (IoT) Insurance Market Presence - Strong/Active/Niche/Trivial - Key Competitors in Europe for 2024 (E)
- TABLE 22: Europe Recent Past, Current & Future Analysis for Internet of Things (IoT) Insurance by Geographic Region - France, Germany, Italy, UK and Rest of Europe Markets - Independent Analysis of Annual Revenues in US$ Million for Years 2023 through 2030 and % CAGR
- TABLE 23: Europe 7-Year Perspective for Internet of Things (IoT) Insurance by Geographic Region - Percentage Breakdown of Value Revenues for France, Germany, Italy, UK and Rest of Europe Markets for Years 2024 & 2030
- TABLE 24: Europe Recent Past, Current & Future Analysis for Internet of Things (IoT) Insurance by Application - Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications - Independent Analysis of Annual Revenues in US$ Million for the Years 2023 through 2030 and % CAGR
- TABLE 25: Europe 7-Year Perspective for Internet of Things (IoT) Insurance by Application - Percentage Breakdown of Value Revenues for Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications for the Years 2024 & 2030
FRANCE
- Internet of Things (IoT) Insurance Market Presence - Strong/Active/Niche/Trivial - Key Competitors in France for 2024 (E)
- TABLE 26: France Recent Past, Current & Future Analysis for Internet of Things (IoT) Insurance by Application - Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications - Independent Analysis of Annual Revenues in US$ Million for the Years 2023 through 2030 and % CAGR
- TABLE 27: France 7-Year Perspective for Internet of Things (IoT) Insurance by Application - Percentage Breakdown of Value Revenues for Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications for the Years 2024 & 2030
GERMANY
- Internet of Things (IoT) Insurance Market Presence - Strong/Active/Niche/Trivial - Key Competitors in Germany for 2024 (E)
- TABLE 28: Germany Recent Past, Current & Future Analysis for Internet of Things (IoT) Insurance by Application - Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications - Independent Analysis of Annual Revenues in US$ Million for the Years 2023 through 2030 and % CAGR
- TABLE 29: Germany 7-Year Perspective for Internet of Things (IoT) Insurance by Application - Percentage Breakdown of Value Revenues for Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications for the Years 2024 & 2030
ITALY
- TABLE 30: Italy Recent Past, Current & Future Analysis for Internet of Things (IoT) Insurance by Application - Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications - Independent Analysis of Annual Revenues in US$ Million for the Years 2023 through 2030 and % CAGR
- TABLE 31: Italy 7-Year Perspective for Internet of Things (IoT) Insurance by Application - Percentage Breakdown of Value Revenues for Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications for the Years 2024 & 2030
UNITED KINGDOM
- Internet of Things (IoT) Insurance Market Presence - Strong/Active/Niche/Trivial - Key Competitors in the United Kingdom for 2024 (E)
- TABLE 32: UK Recent Past, Current & Future Analysis for Internet of Things (IoT) Insurance by Application - Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications - Independent Analysis of Annual Revenues in US$ Million for the Years 2023 through 2030 and % CAGR
- TABLE 33: UK 7-Year Perspective for Internet of Things (IoT) Insurance by Application - Percentage Breakdown of Value Revenues for Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications for the Years 2024 & 2030
REST OF EUROPE
- TABLE 34: Rest of Europe Recent Past, Current & Future Analysis for Internet of Things (IoT) Insurance by Application - Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications - Independent Analysis of Annual Revenues in US$ Million for the Years 2023 through 2030 and % CAGR
- TABLE 35: Rest of Europe 7-Year Perspective for Internet of Things (IoT) Insurance by Application - Percentage Breakdown of Value Revenues for Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications for the Years 2024 & 2030
ASIA-PACIFIC
- Internet of Things (IoT) Insurance Market Presence - Strong/Active/Niche/Trivial - Key Competitors in Asia-Pacific for 2024 (E)
- TABLE 36: Asia-Pacific Recent Past, Current & Future Analysis for Internet of Things (IoT) Insurance by Application - Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications - Independent Analysis of Annual Revenues in US$ Million for the Years 2023 through 2030 and % CAGR
- TABLE 37: Asia-Pacific 7-Year Perspective for Internet of Things (IoT) Insurance by Application - Percentage Breakdown of Value Revenues for Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications for the Years 2024 & 2030
REST OF WORLD
- TABLE 38: Rest of World Recent Past, Current & Future Analysis for Internet of Things (IoT) Insurance by Application - Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications - Independent Analysis of Annual Revenues in US$ Million for the Years 2023 through 2030 and % CAGR
- TABLE 39: Rest of World 7-Year Perspective for Internet of Things (IoT) Insurance by Application - Percentage Breakdown of Value Revenues for Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications for the Years 2024 & 2030