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市場調查報告書
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1536953

保險科技：市場佔有率分析、產業趨勢/統計、成長預測（2024-2029）

Insurtech - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2024 - 2029)
出版日期: | 出版商: Mordor Intelligence | 英文 150 Pages | 商品交期: 2-3個工作天內

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簡介目錄

保險科技市場規模預計到 2024 年為 86.3 億美元，預計到 2029 年將達到 324.7 億美元，在預測期內（2024-2029 年）複合年成長率為 30.34%。

保險科技市場

在預測期內，由於簡化的保險申請程序、加強與客戶的溝通、整合自動化的能力等，保險科技市場預計將會成長。保險科技在過去十年中興起，但近年來其擴張速度卻顯著飆升。

這種成長的推動因素包括對數位解決方案的需求不斷成長、資料分析和人工智慧的使用增加，以及消費者對流暢且易於使用的保險體驗的偏好不斷變化。保險科技公司利用科技實現承保、申請管理和客戶服務等流程的自動化，以提高保險公司的業務效率並降低成本。

預計健康保險業將在未來幾年內實現最大成長，部分原因是與保險業其他產業相比，保險科技的採用率更高。近年來，在保險業對人工智慧、機器學習和區塊鏈技術等技術創新日益偏好的推動下，交易量穩定成長。許多客戶也喜歡在線購買保單，原因包括更好的技術支援、更快的服務、更好的資訊和建議、獨特的服務以及流暢的流程。這就是為什麼銀行和保險公司投資最新最尖端科技以改善客戶體驗的原因。預計這將為保險科技提供者創造更多機會，並推動未來幾年的市場成長。

保險科技市場趨勢

汽車業推動保險科技市場

由於數位化，尤其是遠端資訊處理技術，汽車保險業正在經歷徹底的變革時期。遠端資訊處理變得流行的原因有很多：駕駛員厭倦了支付更多的汽車保險費用。但最重要的是，人們在確定保費時正在尋找傳統模式的替代方案。更重要的是，即使是一次交通違規（例如超速或輕微碰撞）也會對司機進行懲罰，同時不會為優秀司機提供切實的獎勵，這會讓他們精疲力盡。

保險科技公司在汽車保險業中發揮關鍵作用，專門從事詐欺偵測和自動索賠處理。我們透過分析大量資料以偵測模式和異常情況，並利用複雜的人工智慧和機器學習演算法簡化申請流程，幫助保險公司消除詐欺。服務於保險業的許多領域，在汽車保險中，詐欺偵測功能可以實現更快、更準確的索賠評估，同時確保公平付款，以最大限度地減少財務損失。

亞太地區是成長最快的保險科技市場

亞太地區的保險科技業受到中國、印度、香港、新加坡和印尼等新興經濟體和金融中心的推動。該地區的保險服務供應商專注於提供具有成本效益的保費計劃。近年來，隨著顛覆性技術改變保險業，亞太地區的保險科技投資不斷增加。智慧型手機的普及、網路普及率的提高和客戶偏好的變化推動了快速數位化和創新經營模式的採用。亞太地區的保險科技投資在中國、印度和東南亞仍然強勁。

由於多種因素，亞太地區的保險科技投資正在激增。最重要的因素之一是快速都市化，這增加了該地區許多人的可支配收入。由於數位化採用的增加、消費行為的變化以及促進創新的法規環境的變化，亞太地區保險科技市場預計將成長。

保險科技業概況

保險科技市場高度分散。有許多利基公司同時滿足人壽保險、財產保險和產物保險的需求。主要企業有 Banc Insurance Agency Inc. (Insuritas)、Policy Bazaar、眾安線上財產保險、Clover Health Insurance 和 Acko General Insurance Limited。

其他好處：

  • Excel 格式的市場預測 (ME) 表
  • 3 個月的分析師支持

目錄

第1章 簡介

  • 研究假設和市場定義
  • 市場範圍

第2章調查方法

第3章執行摘要

第4章市場洞察與動態

  • 市場概況
  • 市場促進因素
    • 增加對數位技術的投資，以降低營運成本、提高效率和客戶體驗
    • 醫療和人壽保險公司更多地使用基於區塊鏈的技術也有望推動成長。
  • 市場限制因素
    • 監管和經濟不確定性構成阻礙市場成長的重大挑戰
    • 網路安全風險
  • 市場機會
    • 新興企業數量的增加推動市場成長
    • 投資者與保險科技公司之間的合作是塑造市場成長的新趨勢
  • 產業吸引力波特五力分析
    • 供應商的議價能力
    • 買方議價能力
    • 新進入者的威脅
    • 替代品的威脅
    • 競爭公司之間敵對關係的強度
  • 深入了解著名和新興保險科技應用的使用案例
  • 對保險科技成長週期融資的見解
  • 洞察塑造市場的法規結構
  • 對塑造市場的技術進步的見解
  • COVID-19 對市場的影響

第5章市場區隔

  • 透過保險專線
    • 健康保險
    • 人壽保險
    • 汽車保險
    • 居家財物保險
    • 旅遊保險
    • 其他保險
  • 按地區
    • 北美洲
      • 美國
      • 加拿大
      • 北美其他地區
    • 歐洲
      • 德國
      • 法國
      • 西班牙
      • 英國
      • 其他歐洲國家
    • 南美洲
      • 巴西
      • 阿根廷
      • 南美洲其他地區
    • 亞太地區
      • 印度
      • 中國
      • 澳洲
      • 新加坡
      • 香港
      • 日本
      • 其他亞太地區
    • 中東/非洲
      • 阿拉伯聯合大公國
      • 沙烏地阿拉伯
      • 南非
      • 其他中東和非洲

第6章 競爭狀況

  • 市場集中度概況
  • 公司簡介
    • Banc Insurance Agency Inc（Insuritas）
    • Policy Bazaar
    • ZhongAn Online Property & Casualty Insurance Co. Ltd.
    • Clover Health Insurance
    • Acko General Insurance Limited
    • Moonshot-Internet
    • Sureify
    • Lemonade
    • Oscar Health
    • Anorak
    • BDEO
    • Earnix
    • Planck
    • ThingCo
    • Tractable
    • Bima
    • Metromile
    • Collective Health*

第7章 市場機會及未來趨勢

第 8 章 免責聲明與出版商訊息

簡介目錄
Product Code: 65999

The Insurtech Market size is estimated at USD 8.63 billion in 2024, and is expected to reach USD 32.47 billion by 2029, growing at a CAGR of 30.34% during the forecast period (2024-2029).

Insurtech - Market

During the forecast period, the insurtech market is anticipated to experience growth attributed to streamlining the claims procedure, enhancing client communication, and the capacity to integrate automation. Insurtech emerged in the past decade, but its expansion has surged notably in recent years.

Several reasons for this growth include a growing need for digital solutions, increased data analytics and AI use, and a shift in consumer preferences towards smooth, easy-to-use insurance experiences. Insurtech companies are using technology to automate processes like underwriting, claims administration, and customer service to improve operational efficiency and reduce costs for insurers.

The health insurance sector is poised to witness the most substantial growth in the coming years, primarily due to the significantly higher adoption of Insurtech compared to other segments of the insurance industry. In recent years, there has been a steady rise in transaction volumes, fueled by a growing preference for technological innovations such as artificial intelligence, machine learning, and blockchain technology within the insurance sector. Also, many customers prefer to purchase insurance policies online due to better technology support, faster service, better information and advice, unique service, and a smooth process. Therefore, banks and insurance companies invest in the most up-to-date and cutting-edge technologies to improve the customer experience. This will create more opportunities for insurance technology providers and drive the market growth over the next few years.

Insurtech Market Trends

Automotive Segment is Driving the Insurtech Market

The automotive insurance industry is undergoing a complete revolution thanks to digitization, particularly telematics technology. There are many reasons why telematics is becoming more common, and drivers are tired of paying too much for their car insurance. Still, the most important factor is that they want alternatives to traditional models in determining premiums. Moreover, the system of no visible rewards to good drivers while harsh penalties are imposed on those who engage in a single traffic violation, like speeding tickets or small fender benders, is exhausting them.

Insurtech companies play an important role in the automotive insurance industry, specializing in fraud detection and automated claims processing. It analyses vast volumes of data to detect patterns and anomalies and helps insurance companies fight fraud by streamlining their claims processes through its sophisticated AI and ML algorithm. Serving multiple sectors in the insurance industry, auto insurance enables faster and more accurate claims assessments while ensuring fair settlements to minimize financial losses through its fraud detection capabilities.

Asia Pacific Has the Fastest Growing Insurtech Market

The insurtech industry in the Asia-Pacific is growing due to several emerging economies and financial centers such as China, India, Hong Kong, Singapore, and Indonesia. Insurance service providers in this region are focused on providing cost-effective insurance premium plans. In recent years, Insurtech investments in the APAC region have increased as disruptive technologies transform the insurance industry. The rapid digitization and adoption of innovative business models are driven by smartphone penetration, increasing internet penetration, and changing customer preferences. Insurtech investment in APAC has been solid in China, India, and Southeast Asia.

The APAC region has seen a surge in insurtech investments due to several factors. One of the most important is the rapid urbanization, which has increased disposable income for many people in the region. The APAC Insurtech market is expected to grow, driven by increased digital adoption, changing consumer behavior, and a changing regulatory environment conducive to innovation.

Insurtech Industry Overview

The market for insurtech is highly fragmented. There are a large number of niche players that serve the needs of both life and non-life insurance. Banc Insurance Agency Inc. (Insuritas), Policy Bazaar, ZhongAn Online Property & Casualty Insurance Co. Ltd, Clover Health Insurance, and Acko General Insurance Limited are major players.

Additional Benefits:

  • The market estimate (ME) sheet in Excel format
  • 3 months of analyst support

TABLE OF CONTENTS

1 INTRODUCTION

  • 1.1 Study Assumptions and Market Definition
  • 1.2 Scope of the Market

2 RESEARCH METHODOLOGY

3 EXECUTIVE SUMMARY

4 MARKET INSIGHTS AND DYNAMICS

  • 4.1 Market Overview
  • 4.2 Market Drivers
    • 4.2.1 Rise in Investments in Digital Technologies to Reduce Operational Costs and Improve Efficiency & Customer Experience
    • 4.2.2 Growth in the Use of Blockchain-Based Technology Among Health and Life Insurance Companies is Also Expected to Drive the Growth
  • 4.3 Market Restraints
    • 4.3.1 Regulatory and Economic Uncertainty is a Significant Challenge Hindering Market Growth
    • 4.3.2 Cybersecurity Risks
  • 4.4 Market Opportunities
    • 4.4.1 Rising Number of Startups is Driving the Growth of the Market
    • 4.4.2 Investors Collaborating with InsurTech Firms is an Emerging Trend Shaping the Market Growth
  • 4.5 Industry Attractiveness: Porter's Five Forces Analysis
    • 4.5.1 Bargaining Power of Suppliers
    • 4.5.2 Bargaining Power of Buyers
    • 4.5.3 Threat of New Entrants
    • 4.5.4 Threat of Substitutes
    • 4.5.5 Intensity of Competitive Rivalry
  • 4.6 Insights on Used Cases of Prominent and Emerging Insurtech Applications
  • 4.7 Insights on Financial Infusions into the Insurtech Growth Cycle
  • 4.8 Insights on Regulatory Framework Shaping the Market
  • 4.9 Insights on Technological Advancements Shaping the Market
  • 4.10 Impact of COVID-19 on the Market

5 MARKET SEGMENTATION

  • 5.1 By Insurance Line
    • 5.1.1 Health
    • 5.1.2 Life
    • 5.1.3 Automotive
    • 5.1.4 Home And Property
    • 5.1.5 Travel Insurance
    • 5.1.6 Other Insurance Lines
  • 5.2 By Geography
    • 5.2.1 North America
      • 5.2.1.1 United States
      • 5.2.1.2 Canada
      • 5.2.1.3 Rest of North America
    • 5.2.2 Europe
      • 5.2.2.1 Germany
      • 5.2.2.2 France
      • 5.2.2.3 Spain
      • 5.2.2.4 United Kingdom
      • 5.2.2.5 Rest of Europe
    • 5.2.3 South America
      • 5.2.3.1 Brazil
      • 5.2.3.2 Argentina
      • 5.2.3.3 Rest of South America
    • 5.2.4 Asia-Pacific
      • 5.2.4.1 India
      • 5.2.4.2 China
      • 5.2.4.3 Australia
      • 5.2.4.4 Singapore
      • 5.2.4.5 Hong Kong
      • 5.2.4.6 Japan
      • 5.2.4.7 Rest of Asia-Pacific
    • 5.2.5 Middle East & Africa
      • 5.2.5.1 United Arab Emirates
      • 5.2.5.2 Saudi Arabia
      • 5.2.5.3 South Africa
      • 5.2.5.4 Rest of Middle East & Africa

6 COMPETITIVE LANDSCAPE

  • 6.1 Market Concentration Overview
  • 6.2 Company Profiles
    • 6.2.1 Banc Insurance Agency Inc (Insuritas)
    • 6.2.2 Policy Bazaar
    • 6.2.3 ZhongAn Online Property & Casualty Insurance Co. Ltd.
    • 6.2.4 Clover Health Insurance
    • 6.2.5 Acko General Insurance Limited
    • 6.2.6 Moonshot-Internet
    • 6.2.7 Sureify
    • 6.2.8 Lemonade
    • 6.2.9 Oscar Health
    • 6.2.10 Anorak
    • 6.2.11 BDEO
    • 6.2.12 Earnix
    • 6.2.13 Planck
    • 6.2.14 ThingCo
    • 6.2.15 Tractable
    • 6.2.16 Bima
    • 6.2.17 Metromile
    • 6.2.18 Collective Health*

7 MARKET OPPORTUNTIES AND FUTURE TRENDS

8 DISCLAIMER AND ABOUT US