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市场调查报告书
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1910558

保险科技：市场占有率分析、产业趋势与统计、成长预测（2026-2031）

Insurtech - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2026 - 2031)
出版日期: | 出版商: Mordor Intelligence | 英文 150 Pages | 商品交期: 2-3个工作天内

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简介目录

预计到 2025 年，保险科技市场规模将达到 1.19 兆美元，从 2026 年的 1.34 兆美元成长到 2031 年的 2.44 兆美元，在预测期（2026-2031 年）内，复合年增长率将达到 12.72%。

保险科技市场-IMG1

这种快速成长反映了保险公司在设计、销售和服务保单方式上的结构性转变，数位化优先体验已成为必要条件。云端原生转型、人工智慧驱动的承保业务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。在十多个司法管辖区，政府主导的沙盒专案正在加速解决方案的部署，而与行动和物联网平台的策略合作正在重新定义汽车和产物保险领域的风险评估。竞争优势不再仅仅取决于资产负债表的规模，而是取决于资料存取能力、平台敏捷性以及将保险无缝嵌入非保险购买流程的能力。

全球保险科技市场趋势与洞察

在承保和理赔流程中扩大人工智慧和机器学习的应用

人工智慧驱动的决策引擎已基本实现了保单签发和理赔分流的自动化，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，该公司已实现了大部分基础设施的自动化，并将承保时间缩短了一半。那些已掌握利用自身资料集进行监督学习的保险公司正在获得竞争优势，并迫使竞争对手加快资料工程计画。这项技术还催生了新的微型定期保险产品，例如基于使用量的出行保险，因为风险可以即时定价。随着监管机构对可解释模型的接受度越来越高，预计人工智慧在个人汽车保险、小规模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进一步降低了采用门槛。

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网站一样便捷，选择保额和期限应该像把商品加入购物车一样简单。安联与Cosmo Connected的合作项目，将意外险嵌入智慧头盔，每月只需支付固定费用，就展示了物联网资料如何实现无需纸本文件的自动保单启动。同样，参数型保险产品会在预设触发条件满足时自动赔付，避免了冗长的理赔流程，填补了旅行、农业和气候风险领域的保障空白。提供健康指导和网路安全监控等附加价值服务的平台，透过提案满足日常需求的客製化服务，提高了续保率。这种转变迫使保险公司重组传统的保单管理系统，转向动态调整的附加险和保额，而非固定的年度合约。

整合遗留核心系统的复杂性

使用了几十年的老旧大型主机往往缺乏现代化的应用程式介面（API），导致即时资料交换高成本且风险巨大。因此，保险公司面临两难：要么彻底改造系统，要么采取零散的升级和更新方式。转型失败会导致保单签发和理赔延迟，损害客户信心，并招致监管机构的审查。此外，出于合规目的，资料沿袭和审核追踪的保留也会带来隐性成本。因此，一些现有计划选择与新业务公司合作，而不是对其核心系统维修，从而延缓了其母公司内部的数位转型进程。

细分市场分析

产物保险是推动收入成长的主要因素，预计到2025年将占保险科技市场58.73%的份额，这反映了汽车和住宅保险的成熟需求。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保险预计将实现最快的保费成长，到2031年将以18.63%的复合年增长率增长。嵌入式物联网感测器和参数触发器使专业保险产品能够避免传统的理赔延误，并提供卓越的客户体验，从而提高利润率。像AXA XL这样的保险公司已经推出了由生成式人工智慧驱动的网路保险产品，以应对企业采用人工智慧带来的资料污染风险。随着小众风险的兴起，专业保险领域的创新者可以获得显着的市场份额成长，预计这些领域的保险科技市场规模在预测期内将大幅扩张。

与此同时，现有产物保险保单为变革管理带来了障碍。人寿和健康保险公司正在云端平台上试点敏捷承保业务，但与不受监管的专业产品相比，严格的死亡率和发病率监管限制了其速度。再保险公司正在加强与网路管理总代理（MGA）的合作，以收集独特的理赔资料集，从而提高投资组合建模的准确性。鑑于成长轨蹟的分化，投资人可能会将资金配置转向那些展现出稳健风险管理和可扩展分销能力的专业核保公司。

区域分析

2025年，北美在保险科技（InsurTech）市场维持了37.25%的份额，这得益于充裕的创业投资和成熟的创新中心。各州层级的监管竞争，例如肯塔基州保险创新沙盒（Kentucky Insurance Innovation Sandbox），正在加速试点计画的推进，这些计画通常在概念验证结果达到偿付能力标准后推广至全国。美国汽车保险公司仍然是远端资讯处理技术的早期采用者，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。併购活动活性化，现有企业纷纷收购技术能力。慕尼黑再保险公司以26亿美元收购Next Insurance，标誌着该公司在2025年大幅扩张了在美国初级保险领域的业务。儘管市场成熟度限制了表面上的成长，但北美保险公司正透过降低营运成本和交叉销售辅助服务（例如网路保险和隐私套餐）来增加收入。

亚太地区预计到2031年将以16.25%的年均成长率成长，这主要得益于智慧型手机的高普及率、政府主导的金融科技政策以及旧有系统限制的减少。中国和印度已放宽外资所有权限制，鼓励全球保险公司在配备区域资料中心的超大规模云端平台上部署人工智慧承保引擎。新加坡金融管理局正透过营运清晰的监管沙盒并颁发涵盖人寿、非人寿和健康保险的数位混合牌照，加速区域扩张。日本保险公司正利用人工智慧驱动的年金定价来应对长寿风险，而韩国平台则将基于使用量的出行保险整合到共乘超级应用程式中。较低的保险普及率为新客户获取留下了充足的空间，而作为电商购物附加险销售的嵌入式微额保险，儘管保费金额不高，却正在推动销售额的成长。

在符合GDPR的资料管治框架的支持下，欧洲维持了稳定的个位数成长，这提升了当地保险科技公司在隐私保护方面的信誉。即将出台的欧盟资料法将强制要求车辆资料存取标准化，进一步推动远端资讯处理产品的创新。英国将在脱欧后寻求监管柔软性，加速产品核可，同时维持与偿付能力II同等的跨国资本减免标准。德国的工业基础将推动对先进商业和网路风险解决方案的需求，而法国大规模的个人保险市场则支持行为模式定价的规模经济。在环境、社会和治理（ESG）资讯揭露法规日益严格的背景下，欧洲保险公司正在创新地为农业和可再生能源计划开发参数化气候风险保险，从而建立一个可推广至其他地区的框架。

拉丁美洲和中东/非洲地区尚不成熟，但前景广阔。巴西、肯亚和奈及利亚的行动支付环境正在突破传统代理商管道的限制，涵盖小额意外保险和住院现金津贴产品。政府对个人的支付平台提供即时保费收取管道，并降低了小额产品的风险。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小时内启动紧急资金，为更广泛的灾害保险市场概念验证。国际发展机构经常参与初始投资组合的共同承保，并鼓励私人保险公司在损失频率模型成熟后参与其中。

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承保业务和理赔处理的应用日益广泛
    • 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迁移日益增多
    • 监理沙盒加速产品推出
    • 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
    • 整合遗留核心系统的复杂性
    • 监管和合规性碎片化
    • MGA的再保险能力受限
    • 投资者正将关注点从「成长优先」转向「盈利优先」。
  • 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
  • 投资和资金筹措环境
  • 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（P&C）：汽车保险、住宅、商业责任险等。
    • 特殊险种（例如：网路保险、宠物保险、船舶保险、旅游保险）
  • 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/MGA
    • 嵌入式保险平台
    • 传统代理商和仲介（数位转型）
    • 银行保险（数位化）
    • 其他频道
  • 最终用户
    • 零售/个人
    • 适用于中小企业/公司
    • 大型公司/企业
    • 政府/公共部门
  • 按地区划分（价值，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
  • 策略趋势与发展
  • 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

简介目录
Product Code: 65999

The insurtech market was valued at USD 1.19 trillion in 2025 and estimated to grow from USD 1.34 trillion in 2026 to reach USD 2.44 trillion by 2031, at a CAGR of 12.72% during the forecast period (2026-2031).

Insurtech - Market - IMG1

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 58.73% insurtech market share in 2025, reflecting entrenched auto and homeowner demand foundations. Nonetheless, Specialty Lines, encompassing cyber, pet, marine, and travel, are forecast to expand at a 18.63% CAGR through 2031, 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 37.25% insurtech market share in 2025, 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 16.25% annually to 2031, 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