保险科技：市场占有率分析、产业趋势、统计数据和成长预测（2025-2030 年）

2025 年保险科技市场价值为 1.19 兆美元，预计到 2030 年将成长至 2.19 兆美元，复合年增长率为 13.00%。

这种快速成长反映了保险公司在保单设计、销售和服务方式上的结构性转变，数位化优先体验已成为主流。云端原生转型、人工智慧驱动的承保和嵌入式保险已从试点阶段发展成为企业标准，使保险公司能够降低营运成本、加快产品上市速度并拓展新的客户群。与行动和物联网平台的策略伙伴关係也在重新定义汽车和产物保险的风险评估。如今，竞争优势不仅取决于资产负债表的规模，还取决于资料取得、平台敏捷性以及将保险无缝融入非保险消费行为的能力。

全球保险科技市场趋势与洞察

人工智慧和机器学习在核保和理赔领域的应用日益广泛

人工智慧驱动的决策引擎如今已实现保单签发和理赔流程的大部分自动化，从而缩短了平均处理时间并提高了预测准确性。瑞士再保险公司报告称，透过将其理赔分析迁移到微软Azure，该公司实现了显着的基础设施自动化，并将核保时间缩短了一半。掌握了利用自身资料集进行监督学习的保险公司将获得核保优势，并协助竞争对手加快资料工程蓝图的推进。由于风险可以即时定价，这项技术也释放了新型微型保险产品的潜力，例如基于使用量的出行保险。随着监管机构对可解释模型的日益熟悉，预计人工智慧在个人汽车保险、小型商业保险和网路保险领域的应用将最为迅速。在云端市场上提供预训练模式的供应商生态系统将进一步降低采用门槛。

对个人化、按需保险产品的需求日益增长

消费者越来越希望保险流程能像电商结帐一样便捷，让他们可以像添加商品到购物车一样轻鬆地选择保额和期限。安联与 Cosmo Connected 的合作，将意外险嵌入智慧头盔中，并以固定的月费形式提供保障，这表明物联网资料如何无需纸本文件即可自动启动保单。参数化产品也在旅游、农业、气候变迁风险等领域填补类似的空白。提供健康指导和网路安全监控等附加价值服务的平台，由于其提案更贴近日常需求，续保率也随之提高。这种转变正迫使保险公司重新建构传统的保单管理平台，以便动态调整附加条款和保额，并摆脱固定的年度合约模式。

遗留核心系统整合的复杂性

使用了数十年的老旧大型主机通常缺乏现代化的应用程式介面（API），导致即时资料交换成本高且风险巨大。这使得保险公司必须在彻底更换系统和分阶段升级改造之间做出权衡。转型失败可能导致保单签发和理赔停滞、客户信心受损以及监管机构的审查。此外，由于需要遵守资料沿袭和审核追踪等合规要求，整合计划也会产生隐性成本。因此，一些现有保险公司选择与待开发区营业单位合作，而不是对其核心系统维修，从而延缓了自身组织的数位转型进程。

细分市场分析

产物保险将占据保险科技收入的大部分，到2024年市占率将达到59.12%。然而，包括网路保险、宠物保险、船舶保险和旅游保险在内的专业险种预计将实现最快的保费成长，到2030年复合年增长率将达到19.34%。嵌入式物联网感测器和参数触发器使专业险种能够避免传统的理赔延迟，从而创造更优质的客户体验，进而获得更高的利润率。像AXA XL这样的保险公司已经推出了基于生成式人工智慧的网路保险，以应对企业采用人工智慧带来的资料密集风险。小众风险的激增将使专门食品险种创新者能够占据主导地位，这意味着这些险种的保险科技市场规模将在预测期内显着扩大。

同时，现有产物保险正利用远端资讯处理技术来提高定价的准确性，但其庞大的历史业务组合为变革管理带来了挑战。人寿和健康保险公司正尝试利用云端平台加快核保速度，但日益严格的死亡率和发病率监管法规使其发展速度慢于不受监管的专业险种。再保险公司正透过与网路管理代理商 (MGA) 合作收集独特的理赔资料集，加速提升投资组合建模的准确性。鑑于各家公司的发展轨迹各不相同，投资者可能会将资金配置转向那些展现出强大风险控制能力和可扩展分销结构的专业保险公司。

区域分析

北美将在2024年维持37.79%的保险科技市场份额，这得益于充足的创业投资和成熟的创新中心。各州层级的监管竞争，例如肯塔基州的保险创新沙盒计划，加速了试点计画的推进，这些计画一旦概念验证结果达到偿付能力标准，通常会在全国推广。美国汽车保险公司继续率先采用远端资讯处理技术，而加拿大保险公司则正在采用云端原生保单管理系统来克服地理服务分散的问题。慕尼黑再保险公司以26亿美元收购Next Insurance标誌着其正式进军美国主险业务。儘管市场成熟度将限制其快速成长，但北美保险公司将透过降低营运成本和交叉销售网路安全和身分保护等辅助服务来确保利润。

预计到2030年，亚太地区的保险市场将以每年16.78%的速度成长。该地区受益于智慧型手机的高普及率、政府支持的金融科技政策以及对旧有系统的抵触情绪较低。中国和印度已放宽外资持股限制，鼓励全球保险公司在区域资料中心的超大规模云端平台部署人工智慧承保引擎。新加坡金融管理局正在经营一个完善的监管沙盒，并颁发涵盖人寿保险、产物保险和健康保险的数位混合牌照，从而加速区域规模化发展。日本保险公司正在利用人工智慧驱动的年金定价来应对长寿风险，而韩国平台正在将基于使用量的出行保险整合到叫车超级应用中。较低的保险普及率为首次投保者留下了充足的市场空间，而与电商购物捆绑销售的嵌入式微额保险，即使保费较低，也正在推动保单量的增长。

在符合GDPR的资料管治架构的推动下，欧洲经济持续维持个位数稳定成长。即将出台的欧盟资料法强制要求车辆资料存取标准化，这将进一步刺激远端资讯处理产品的创新。英国在脱欧后致力于提升监管弹性，加速产品审批速度，同时维持与偿付能力II同等的跨国资本减免监管。德国的工业基础推动了对先进商业和网路风险解决方案的需求，而法国庞大的个人保险市场则为行为模式的定价模式提供了规模经济支持。在环境、社会和治理（ESG）资讯揭露监管日益严格的背景下，欧洲保险公司正在创新农业和可再生能源计划的参数化气候风险保险，建构可推广至其他地区的框架。

拉丁美洲和中东/非洲地区仍在发展中，但前景广阔。巴西、肯亚和奈及利亚的行动支付生态系统正在绕过传统的代理商网络，将小额意外和住院现金产品打包销售。政府对个人的付款管道正在提供即时保费收取管道，并降低小额产品的风险。加勒比海和东非的主权风险池正在采用参数化的飓风和干旱解决方案，可在24小时内提取紧急资金，检验该方案在更广泛的灾害市场中的可行性。国际发展机构通常会共同承保初始投资组合，并鼓励私人保险公司在损失频率模型成熟后加入。

其他福利：

• Excel格式的市场预测（ME）表
• 3个月的分析师支持

目录

第一章 引言

• 研究假设和市场定义
• 调查范围

第二章调查方法

第三章执行摘要

第四章 市场情势

• 市场概览
• 市场驱动因素
  • 人工智慧和机器学习在核保和理赔领域的应用日益广泛
  • 对个人化、按需保险产品的需求日益增长
  • 向云端原生核心系统的转变正在推进。
  • 监理沙盒加速产品上市
  • 与行动和物联网平台的数据链接
  • 嵌入式分散式模型的快速成长
• 市场限制
  • 遗留核心系统整合的复杂性
  • 法规和合规性分散
  • MGA再保险能力限制
  • 投资人将关注点从「不惜一切代价追求成长」转向「盈利」。
• 价值/供应链分析
• 监管环境
• 技术展望
• 波特五力模型
  • 买方的议价能力
  • 供应商的议价能力
  • 新进入者的威胁
  • 替代品的威胁
  • 竞争对手之间的竞争
• 投资和资金筹措状况
• Start-Ups生态系分析

第五章 市场规模与成长预测

• 按产品线（保险类型）
  • 人寿保险
  • 健康保险
  • 产物保险：汽车保险、房屋保险、商业责任险、责任保险等。
  • 专业险种（网路安全、宠物、船舶、旅游等）
• 透过分销管道
  • 直接面向消费者 (D2C) 数字
  • 聚合平台/市场
  • 数位仲介/管理总代理
  • 嵌入式保险平台
  • 传统代理人/仲介（数位转型）
  • 银行保险（数位化）
  • 其他频道
• 最终用户
  • 零售/个人
  • 小型企业/商业
  • 大型公司/企业
  • 政府/公共部门
• 按地区划分（金额，十亿美元）
  • 北美洲
    • 加拿大
    • 美国
    • 墨西哥
  • 南美洲
    • 巴西
    • 秘鲁
    • 智利
    • 阿根廷
    • 其他南美洲
  • 欧洲
    • 英国
    • 德国
    • 法国
    • 西班牙
    • 义大利
    • 比荷卢经济联盟（比利时、荷兰、卢森堡）
    • 北欧国家（丹麦、芬兰、冰岛、挪威、瑞典）
    • 其他欧洲地区
  • 亚太地区
    • 印度
    • 中国
    • 日本
    • 澳洲
    • 韩国
    • 东南亚（新加坡、马来西亚、泰国、印尼、越南、菲律宾）
    • 亚太其他地区
  • 中东和非洲
    • 阿拉伯聯合大公国
    • 沙乌地阿拉伯
    • 南非
    • 奈及利亚
    • 其他中东和非洲地区

第六章 竞争情势

• 市场集中度
• 策略倡议与发展
• 市占率分析
• 公司简介
  • Lemonade
  • Hippo Insurance
  • Root Insurance
  • Oscar Health
  • Bright Health
  • Clover Health
  • Next Insurance
  • ZhongAn
  • Wefox
  • Alan
  • Devoted Health
  • Coalition
  • Slice Labs
  • Metromile
  • PolicyBazaar
  • Digit Insurance
  • ManyPets
  • Pie Insurance
  • Doma
  • Kin Insurance

第七章 市场机会与未来展望

The insurtech market is currently valued at USD 1.19 trillion in 2025 and is forecast to expand to USD 2.19 trillion by 2030, registering a 13.00% CAGR.

The sharp growth reflects a structural change in how insurers design, distribute, and service policies as digital-first experiences become table stakes. Cloud-native migrations, AI-enabled underwriting, and embedded insurance have shifted from pilot initiatives to enterprise standards, allowing carriers to cut operating costs, improve speed-to-market, and reach new customer segments. Government sandboxes in more than a dozen jurisdictions have accelerated solution rollouts, while strategic partnerships with mobility and IoT platforms are redefining risk assessment in auto and property lines. Competitive differentiation now rests on data access, platform agility, and the ability to embed coverage seamlessly into non-insurance purchase journeys, rather than on balance-sheet scale alone.

Global Insurtech Market Trends and Insights

Rising adoption of AI & ML for underwriting and claims

AI-driven decision engines now automate large portions of policy issuance and claims triage, shrinking average handling times and improving predictive accuracy. Swiss Re reported that shifting its claims analytics to Microsoft Azure enabled the majority of infrastructure automation, cutting assessment time in half. Insurers that master supervised learning on proprietary datasets gain defensible underwriting moats, pushing competitors to accelerate data-engineering roadmaps. The technology also unlocks new micro-duration products, such as usage-based mobility cover, because risk can be priced in real time. As regulators grow comfortable with explainable models, AI penetration is expected to rise fastest in personal auto, small commercial, and cyber lines. Vendor ecosystems offering pre-trained models on cloud marketplaces further lower adoption barriers.

Growing demand for personalized, on-demand insurance products

Consumers increasingly expect insurance to mimic e-commerce checkout flows, selecting coverage amounts and durations as easily as adding items to a cart. Allianz's partnership with Cosmo Connected embeds accident coverage in connected helmets for a fixed monthly fee, illustrating how IoT data can trigger automatic policy activation without paperwork . Parametric products are likewise filling gaps in travel, agriculture, and climate risk because they pay when predefined triggers hit, sidestepping lengthy claims adjustment. Marketplaces that bundle ancillary value-added services, such as health coaching or cyber monitoring, see higher renewal rates because propositions resonate with everyday needs. This shift forces carriers to re-platform legacy policy administration so riders and limits can adjust dynamically, moving away from static annual contracts.

Legacy core-system integration complexity

Decades-old mainframes often lack modern APIs, making real-time data exchange expensive and risky. Carriers, therefore, face a trade-off between wholesale replacement and piecemeal wrap-and-renew approaches. Failed conversions can stall policy issuance or claims payouts, eroding customer trust and drawing regulator scrutiny. Integration projects also carry hidden costs when data lineage and audit trails need preservation for compliance. As a result, some incumbents partner with greenfield entities instead of renovating core estates, slowing digital change within the mothership.

Other drivers and restraints analyzed in the detailed report include:

1. Increasing migration to cloud-native core systems
2. Regulatory sandboxes accelerating product launches
3. Regulatory and compliance fragmentation

For complete list of drivers and restraints, kindly check the Table Of Contents.

Segment Analysis

Property & Casualty dominated revenue with a 59.12% insurtech market share in 2024, reflecting entrenched auto and homeowner demand foundations. Nonetheless, Specialty Lines, encompassing cyber, pet, marine, and travel, are forecast to expand at a 19.34% CAGR through 2030, delivering the fastest incremental premium. Embedded IoT sensors and parametric triggers allow Specialty products to circumvent traditional loss-adjustment delays, creating superior customer experiences that command higher margins. Carriers such as AXA XL have already debuted generative-AI cyber covers to address data-poisoning exposures arising from enterprise AI rollouts. As niche risks proliferate, Specialty innovators can capture outsized wallet-share increases, suggesting the insurtech market size for these lines will compound materially over the forecast window.

Property & Casualty incumbents, meanwhile, leverage telematics to reclaim pricing precision, yet their extensive legacy books create change-management headwinds. Life and Health insurers pilot accelerated underwriting on cloud platforms, but stricter mortality and morbidity regulations temper speed relative to non-regulated specialty covers. Reinsurers increasingly partner with cyber MGAs to collect proprietary claims datasets, improving portfolio modelling accuracy. Given the divergent growth curves, investors may shift capital allocations toward Specialty underwriters that demonstrate robust risk controls and scalable distribution frameworks.

The Insurtech Market Report is Segmented by Product Line (Insurance Type) (Life Insurance, Health Insurance, and More), Distribution Channel (Direct-To-Consumer (D2C) Digital, Aggregators/Marketplaces, and More), End User (Retail/Individual, SME/Commercial, and More), and Geography (North America, South America, and More). The Market Forecasts are Provided in Terms of Value (USD).

Geography Analysis

North America retained 37.79% insurtech market share in 2024, benefiting from deep venture capital pools and established innovation hubs. State-level regulatory competition, exemplified by the Kentucky Insurance Innovation Sandbox, accelerates pilots that often expand nationwide after proof-of-concept results meet solvency criteria. US auto insurers remain early adopters of telematics, while Canadian carriers deploy cloud-native policy administration to overcome geographic service dispersion. M&A activity intensifies as incumbents buy capabilities; Munich Re's USD 2.6 billion purchase of Next Insurance marked a notable 2025 expansion into US primary lines. Although market maturity constrains headline growth, North American carriers drive profit through operating expense reductions and cross-selling of ancillary cyber and identity-protection bundles.

Asia-Pacific, forecast to grow 16.78% annually to 2030, benefits from high smartphone penetration, government-backed fintech policies, and limited legacy system drag. China and India liberalised foreign ownership caps, encouraging global insurers to localise AI underwriting engines on hyperscale clouds with regional data centres. Singapore's Monetary Authority operates a well-defined sandbox and grants digital composite licences that cover life, general, and health, accelerating regional scaling. Japanese carriers tackle longevity risk with AI-enabled annuity pricing, and South Korean platforms integrate usage-based mobility cover into ride-hailing super-apps. Lower insurance penetration leaves ample headroom for first-time buyers, so embedded micro-policies sold alongside e-commerce purchases drive volume even at modest ticket sizes.

Europe sustains steady single-digit growth anchored by GDPR-aligned data-governance frameworks, which give local insurtechs credibility on privacy. The forthcoming EU Data Act will mandate standardised vehicle data access, further catalysing telematics product innovation. The UK pursues post-Brexit regulatory agility, enabling faster product approvals while remaining Solvency II-equivalent for cross-border capital relief. Germany's industrial base spurs demand for advanced commercial and cyber risk solutions, whereas France's sizeable personal-lines market supports scale economics for behavioural-based pricing. As ESG disclosure rules tighten, European carriers innovate parametric climate-risk covers for agriculture and renewable-energy projects, creating exportable frameworks for other regions.

South America along with the Middle East & Africa remain nascent but promising. Mobile-money ecosystems in Brazil, Kenya, and Nigeria increasingly bundle micro-accident and hospital-cash products, leapfrogging traditional agency networks. Government-to-person payment platforms provide instant premium-collection rails, de-risking small-ticket offerings. Sovereign risk pools in the Caribbean and East Africa adopt parametric hurricane and drought solutions that trigger emergency funds within 24 hours, validating proof of concept for broader disaster markets. International development agencies often co-underwrite early portfolios, encouraging private carriers to enter once loss-frequency models mature.

1. Lemonade
2. Hippo Insurance
3. Root Insurance
4. Oscar Health
5. Bright Health
6. Clover Health
7. Next Insurance
8. ZhongAn
9. Wefox
10. Alan
11. Devoted Health
12. Coalition
13. Slice Labs
14. Metromile
15. PolicyBazaar
16. Digit Insurance
17. ManyPets
18. Pie Insurance
19. Doma
20. Kin Insurance

Additional Benefits:

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

TABLE OF CONTENTS

1 Introduction

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

2 Research Methodology

3 Executive Summary

4 Market Landscape

• 4.1 Market Overview
• 4.2 Market Drivers
  • 4.2.1 Rising adoption of AI & ML for underwriting & claims
  • 4.2.2 Growing demand for personalized, on-demand insurance products
  • 4.2.3 Increasing migration to cloud-native core systems
  • 4.2.4 Regulatory sandboxes accelerating product launches
  • 4.2.5 Data partnerships with mobility & IoT platforms
  • 4.2.6 Rapid growth of embedded distribution models
• 4.3 Market Restraints
  • 4.3.1 Legacy core-system integration complexity
  • 4.3.2 Regulatory & compliance fragmentation
  • 4.3.3 Re-insurance capacity constraints for MGAs
  • 4.3.4 Investor pivot from "growth at all costs" to profitability
• 4.4 Value / Supply-Chain Analysis
• 4.5 Regulatory Landscape
• 4.6 Technological Outlook
• 4.7 Porter's Five Forces
  • 4.7.1 Bargaining Power of Buyers
  • 4.7.2 Bargaining Power of Suppliers
  • 4.7.3 Threat of New Entrants
  • 4.7.4 Threat of Substitutes
  • 4.7.5 Competitive Rivalry
• 4.8 Investment & Funding Landscape
• 4.9 Start-up Ecosystem Analysis

5 Market Size & Growth Forecasts

• 5.1 By Product Line (Insurance Type)
  • 5.1.1 Life Insurance
  • 5.1.2 Health Insurance
  • 5.1.3 Property & Casualty (P&C): Motor, Home, Commercial, Liability, etc.
  • 5.1.4 Specialty Lines (e.g., cyber, pet, marine, travel)
• 5.2 By Distribution Channel
  • 5.2.1 Direct-to-Consumer (D2C) Digital
  • 5.2.2 Aggregators/Marketplaces
  • 5.2.3 Digital Brokers/MGAs
  • 5.2.4 Embedded Insurance Platforms
  • 5.2.5 Traditional Agents/Brokers (digitally enabled)
  • 5.2.6 Bancassurance (digitally enabled)
  • 5.2.7 Other Channels
• 5.3 By End User
  • 5.3.1 Retail/Individual
  • 5.3.2 SME/Commercial
  • 5.3.3 Large Enterprise/Corporate
  • 5.3.4 Government/Public Sector
• 5.4 By Geography (Value, USD Bn)
  • 5.4.1 North America
    • 5.4.1.1 Canada
    • 5.4.1.2 United States
    • 5.4.1.3 Mexico
  • 5.4.2 South America
    • 5.4.2.1 Brazil
    • 5.4.2.2 Peru
    • 5.4.2.3 Chile
    • 5.4.2.4 Argentina
    • 5.4.2.5 Rest of South America
  • 5.4.3 Europe
    • 5.4.3.1 United Kingdom
    • 5.4.3.2 Germany
    • 5.4.3.3 France
    • 5.4.3.4 Spain
    • 5.4.3.5 Italy
    • 5.4.3.6 BENELUX (Belgium, Netherlands, Luxembourg)
    • 5.4.3.7 NORDICS (Denmark, Finland, Iceland, Norway, Sweden)
    • 5.4.3.8 Rest of Europe
  • 5.4.4 Asia-Pacific
    • 5.4.4.1 India
    • 5.4.4.2 China
    • 5.4.4.3 Japan
    • 5.4.4.4 Australia
    • 5.4.4.5 South Korea
    • 5.4.4.6 South East Asia (Singapore, Malaysia, Thailand, Indonesia, Vietnam, and Philippines)
    • 5.4.4.7 Rest of Asia-Pacific
  • 5.4.5 Middle East & Africa
    • 5.4.5.1 United Arab Emirates
    • 5.4.5.2 Saudi Arabia
    • 5.4.5.3 South Africa
    • 5.4.5.4 Nigeria
    • 5.4.5.5 Rest of Middle East & Africa

6 Competitive Landscape

• 6.1 Market Concentration
• 6.2 Strategic Moves & Developments
• 6.3 Market Share Analysis
• 6.4 Company Profiles (includes Global level Overview, Market level overview, Core Segments, Financials as available, Strategic Information, Market Rank/Share for key companies, Products & Services, and Recent Developments)
  • 6.4.1 Lemonade
  • 6.4.2 Hippo Insurance
  • 6.4.3 Root Insurance
  • 6.4.4 Oscar Health
  • 6.4.5 Bright Health
  • 6.4.6 Clover Health
  • 6.4.7 Next Insurance
  • 6.4.8 ZhongAn
  • 6.4.9 Wefox
  • 6.4.10 Alan
  • 6.4.11 Devoted Health
  • 6.4.12 Coalition
  • 6.4.13 Slice Labs
  • 6.4.14 Metromile
  • 6.4.15 PolicyBazaar
  • 6.4.16 Digit Insurance
  • 6.4.17 ManyPets
  • 6.4.18 Pie Insurance
  • 6.4.19 Doma
  • 6.4.20 Kin Insurance

7 Market Opportunities & Future Outlook

• 7.1 White-space & Unmet-Need Assessment