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市場調查報告書
商品編碼
1687779

保險科技：市場佔有率分析、產業趨勢與統計、成長預測（2025-2030 年）

Insurtech - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2025 - 2030)
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

2025 年保險科技市場規模預計為 112.5 億美元，預計到 2030 年將達到 423.1 億美元，預測期內（2025-2030 年）的複合年成長率為 30.34%。

保險科技市場-IMG1

在預測期內，由於索賠流程的簡化、客戶溝通的增強和自動化整合能力，InsurTech 市場預計將實現成長。保險科技在過去十年中不斷湧現，但近年來其擴張速度顯著加快。

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無摩擦、易於使用的保險體驗的偏好改變。保險科技公司利用科技實現承保、索賠管理和客戶服務等流程的自動化，幫助保險公司提高業務效率並降低成本。

預計未來幾年健康保險業將實現最大成長，部分原因是與保險業的其他部分相比，保險科技的採用率明顯更高。近年來，受保險業對人工智慧、機器學習和區塊鏈技術等技術創新的日益偏好，交易量穩步成長。此外，許多客戶更喜歡在線購買保險，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、順暢的流程等。這就是為什麼銀行和保險公司都在投資最新的最尖端科技來改善客戶體驗。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

汽車業引領保險科技市場

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。遠端資訊處理變得越來越普遍的原因有很多：駕駛員厭倦了支付高昂的汽車保險費。然而，最重要的因素是人們希望在確定保險費時採用傳統模式的替代方案。此外，如果一個系統只因一次交通違規（如超速或輕微碰撞）就對司機施以嚴厲處罰，而對優秀司機卻不給予任何實質性獎勵，這讓他們精疲力竭。

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來偵測模式和異常，並使用複雜的人工智慧和機器學習演算法簡化索賠流程，從而幫助保險公司打擊詐欺行為。它服務於保險業的各個領域，在汽車保險方面，它可以實現更快、更準確的索賠評估，而其詐欺檢測功能可確保公平付款，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。智慧型手機的興起、網路普及率的提高以及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。亞太地區保險科技投資在中國、印度和東南亞表現強勁。

有幾個因素推動了亞太地區保險科技投資的激增。其中一個最重要的因素是快速的都市化，這增加了該地區許多人的可支配收入。由於數位化應用的不斷增加、消費行為的變化以及有利於創新的法規環境的變化，亞太地區保險科技市場預計將實現成長。

保險科技業概況

保險科技市場高度分散。有許多利基市場參與者同時滿足人壽和產物保險需求。主要企業包括 Banc Insurance Agency Inc. (Insuritas)、Policy Bazaar、眾安線上財產保險、Clover Health Insurance 和 Acko General Insurance Limited。

其他福利：

  • 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
  • 市場覆蓋

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
    • 健康和人壽保險公司對區塊鏈技術日益廣泛的使用也有望推動成長。
  • 市場限制
    • 監管和經濟不確定性是阻礙市場成長的主要挑戰
    • 網路安全風險
  • 市場機會
    • 新興企業崛起推動市場成長
    • 投資者與保險科技公司合作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
    • 買家的議價能力
    • 新進入者的威脅
    • 替代品的威脅
    • 競爭對手之間的競爭
  • 深入了解流行和新興的 InsurTech 應用使用案例
  • 對 InsurTech 成長週期融資的見解
  • 洞察影響市場的法規結構
  • 洞察影響市場的技術進步
  • COVID-19 市場影響

第5章 市場區隔

  • 按保險線
    • 健康保險
    • 人壽保險
    • 車
    • 家庭財產保險
    • 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
    • 中東和非洲
      • 阿拉伯聯合大公國
      • 沙烏地阿拉伯
      • 南非
      • 其他中東和非洲地區

第6章 競爭格局

  • 市場集中度概覽
  • 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 市場機會與未來趨勢

第8章 免責聲明及發布者

簡介目錄
Product Code: 65999

The Insurtech Market size is estimated at USD 11.25 billion in 2025, and is expected to reach USD 42.31 billion by 2030, at a CAGR of 30.34% during the forecast period (2025-2030).

Insurtech - Market - IMG1

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