全球物联网 (IoT) 保险市场

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个工作天内

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简介目录

2030年，全球物联网（IoT）保险市场预计将达到3,907亿美元

预计 2023 年全球物联网 (IoT) 保险市场规模将达到 448 亿美元，预计在 2023 年至 2030 年分析期间将以 36.3% 的复合年增长率增长，并在 2030 年达到 3907 亿美元。汽车和交通应用是本报告分析的细分市场之一，预计复合年增长率为 38.1%，到分析期结束时将达到 1,532 亿美元。分析期间内，生命与健康应用领域的复合年增长率预计为 40.1%。

美国市场预计135亿美元，中国预计复合年增长率34.5%

预计 2023 年美国物联网 (IoT) 保险市场规模将达到 135 亿美元。中国作为世界第二大经济体，预计2030年市场规模将达635亿美元，2023-2030年分析期间复合年增长率为34.5%。其他值得注意的区域市场包括日本和加拿大，在分析期间预计复合年增长率分别为 33.0% 和 30.9%。在欧洲，德国预计复合年增长率为 24.8%。

全球物联网 (IoT) 保险市场 - 主要趋势和驱动因素总结

物联网 (IoT) 如何改变保险业？

物联网 (IoT) 透过实现更准确的风险评估、提高客户参与和简化索赔处理，正在改变保险业。连网型汽车、穿戴式健康监测器和智慧家庭系统等物联网设备为保险公司提供有关投保人行为和环境的即时资料，从而实现更个人化和动态的风险定价。例如，汽车中的远端资讯处理设备追踪驾驶行为并帮助保险公司提供基于使用情况的保险（UBI）来奖励安全驾驶。在健康保险中，穿戴式装置可以监测身体活动和生命体征，使保险公司能够提供健康奖励和预防性护理计划。物联网解决方案还用于自动化保险申请处理、检测诈欺并透过即时资料收集和分析来改善客户服务。

科技进步如何形塑保险业的物联网？

物联网感测器、人工智慧和资料分析方面的技术进步正在推动物联网在保险业的采用。嵌入汽车、家庭和穿戴式装置中的物联网感测器变得更加准确和节能，能够持续收集有关投保人行为和环境条件的资料。人工智慧驱动的分析平台与物联网系统集成，可以分析大量资料，为保险公司提供预测性见解，帮助他们改善风险评估、防止诈欺并提供个人化保险。区块链技术也正在成为一项关键创新，它可以实现保险公司和投保人之间安全、透明的资料共用，从而增强信任并降低诈欺风险。这些进步使得物联网解决方案对于寻求改善保险服务和降低营运成本的保险公司来说更加容易和有效。

市场区隔如何定义保险业物联网的成长？

应用包括汽车保险、医疗保险、产物保险以及人寿保险，其中汽车保险由于远端资讯处理和基于使用的保险政策的盛行而引领市场。组件包括感测器和连网型设备等硬体、用于资料管理和分析的软体平台以及系统整合和支援等服务。从地理上看，在远端资讯处理和物联网保险解决方案的早期采用的推动下，北美和欧洲占据了市场主导地位。与此同时，亚太地区的保险公司正在拥抱数位转型和连网型技术，预计将显着成长。

推动物联网保险市场成长的因素有哪些？

物联网保险市场的成长受到多种因素的推动，包括对个人化保险单的需求不断增长、连网型设备的进步以及对更准确的风险评估的需求。随着消费者寻求更灵活和客製化的保险选择，保险公司正在采用物联网解决方案来提供符合个人行为和偏好的基于使用情况的保险。远端资讯处理、穿戴式装置和人工智慧主导的分析等技术创新也使保险公司能够即时收集和分析诈欺行为的资料，以改善风险评估并防止诈欺。此外，对数位转型的日益关注以及简化申请处理和客户服务的需求也推动了对物联网保险解决方案的投资。

受访企业范例（37家知名企业）

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