保险科技市场规模、份额和成长分析（按组件、保险类型、技术、部署类型、公司规模、最终用户和地区划分）－2026-2033年产业预测

2024 年全球保险科技市场规模为 194.1 亿美元，预计将从 2025 年的 296.4 亿美元增长到 2033 年的 8760.6 亿美元，在预测期（2026-2033 年）内复合年增长率为 52.7%。

全球保险科技市场正经历强劲成长，这主要得益于医疗保健、製造业和清洁能源等多个行业需求的不断增长。医疗保健产业的扩张，尤其是医用气体领域的扩张，是推动这一趋势的主要因素。此外，新兴经济体工业化的加速发展也带动了金属加工和石化等产业对保险科技解决方案的需求。然而，挑战依然存在，包括高昂的气体生产和分销成本、复杂的监管规定以及与排放相关的安全隐患，这些都会增加遵循成本。天然气等原物料价格的波动也会影响盈利。儘管有这些限制因素，人们对创新和整合的信心日益增强，主要企业正积极寻求策略合作和技术创新，以确保市场永续性并挖掘未来的成长机会。

全球保险科技市场驱动因素

全球保险科技市场的发展动力源自于各行各业和各国对金融服务数位转型的高度重视，而这正是为了因应技术进步的必然结果。保险和金融业务日益采用尖端数位技术进行现代化改造和升级，预计将显着推动对保险科技解决方案的需求。随着各机构寻求提升效率和客户体验，在保险业整合创新数位工具对于保持竞争力、满足不断变化的消费者期望至关重要，最终也将推动保险科技产业的成长。

全球保险科技市场面临的限制因素

全球保险科技市场面临许多限制因素，其中保险科技解决方案和技术的复杂性和高成本尤为突出。对于预算和财务资源有限的保险机构而言，这个财务障碍构成了一大挑战。此外，为了有效利用这些保险科技解决方案，还需要额外的投资用于实施、持续维护以及必要的人员培训，这进一步增加了成本。因此，这些因素共同阻碍了市场的成长潜力，因为许多公司难以证明采用这些创新技术的成本是合理的。

全球保险科技市场趋势

全球保险科技产业的关键市场趋势是越来越多地采用数位技术来改善客户体验并提高营运效率。人工智慧 (AI)、机器学习和巨量资料分析的整合正在变革核保流程、理赔管理和风险评估，使保险公司能够提供个人化的产品和服务。此外，保险科技Start-Ups的崛起刺激了创新和竞争，催生了行动应用和线上平台等新型分销管道。这种向技术主导环境的转变鼓励传统保险公司与保险科技公司合作，最终提高效率并增强客户参与。

目录

介绍

• 调查目标
• 调查范围
• 定义

调查方法

• 资讯收集
• 二手资料和一手资料方法
• 市场规模预测
• 市场假设与限制

执行摘要

• 全球市场展望
• 供需趋势分析
• 细分市场机会分析

市场动态与展望

• 市场规模
• 市场动态
  • 驱动因素和机会
  • 限制与挑战
• 波特分析

关键市场考察

• 关键成功因素
• 竞争程度
• 关键投资机会
• 市场生态系统
• 市场吸引力指数（2025）
• PESTEL 分析
• 总体经济指标
• 价值链分析
• 定价分析

全球保险科技市场规模（按组成部分及复合年增长率划分）（2026-2033 年）

• 软体
  • 政策管理软体
  • 核保与风险评估软体
  • 理赔管理软体
  • 计费和支付解决方案
  • 分析和人工智慧工具
• 服务
  • 咨询顾问
  • 整合与实施
  • 支援与维护

全球保险科技市场规模（依保险类型划分）及复合年增长率（2026-2033 年）

• 车
• 商业
• 医疗保险
• 家
• 商业的
• 旅游保险
• 其他的

全球保险科技市场规模（依技术及复合年增长率划分）（2026-2033 年）

• 区块链
• 云端运算
• IoT
• 机器学习
• 智能投顾
• 其他的

全球保险科技市场规模（按实施类型和复合年增长率划分）（2026-2033 年）

• 基于云端的
• 本地部署

全球保险科技市场规模（依公司规模及复合年增长率划分）（2026-2033 年）

• 大公司
• 中小企业

全球保险科技市场规模（依最终用户划分）及复合年增长率（2026-2033 年）

• 车
• BFSI
• 政府
• 卫生保健
• 製造业
• 零售
• 运输
• 其他的

全球保险科技市场规模（按地区划分）及复合年增长率（2026-2033 年）

• 北美洲
  • 美国
  • 加拿大
• 欧洲
  • 德国
  • 西班牙
  • 法国
  • 英国
  • 义大利
  • 其他欧洲地区
• 亚太地区
  • 中国
  • 印度
  • 日本
  • 韩国
  • 亚太其他地区
• 拉丁美洲
  • 巴西
  • 其他拉丁美洲地区
• 中东和非洲
  • 海湾合作委员会国家
  • 南非
  • 其他中东和非洲地区

竞争资讯

• 前五大公司对比
• 主要企业的市场定位（2025 年）
• 主要市场参与者所采取的策略
• 近期市场趋势
• 公司市占率分析（2025 年）
• 主要企业公司简介
  • 公司详情
  • 产品系列分析
  • 依业务板块进行公司股票分析
  • 2023-2025年营收年比比较

主要企业简介

• Lemonade Inc.（United States）
• Root Insurance Co.（United States）
• Zego（United Kingdom）
• Trov（United States）
• WeFox（Germany）
• Getsafe（Germany）
• Hippo Insurance（United States）
• Bolttech（Singapore）
• Alan（France）
• Cover（United States）
• Cuvva（United Kingdom）
• Pie Insurance（United States）
• Bima（Sweden）
• Go Digit Insurance（India）
• OneDegree（Hong Kong）
• Kin Insurance（United States）
• Inshur（United Kingdom）

结论与建议

Global Insurtech Market size was valued at USD 19.41 Billion in 2024 and is poised to grow from USD 29.64 Billion in 2025 to USD 876.06 Billion by 2033, growing at a CAGR of 52.7% during the forecast period (2026-2033).

The global Insurtech market is experiencing robust growth fueled by increasing demands across various sectors, including healthcare, manufacturing, and clean energy. The healthcare industry's expansion, particularly in medical gases, significantly contributes to this trend. Additionally, industrialization in emerging economies bolsters demand for Insurtech solutions in sectors like metal fabrication and petrochemicals. However, the market faces challenges, including high production and distribution costs for gases, regulatory complexities, and safety concerns related to emissions, which escalate compliance expenses. Price volatility of raw materials, such as natural gas, further impacts profitability. Despite these constraints, innovation and consolidation drive optimism, as key players pursue strategic partnerships and technological advancements, paving the way for sustainability initiatives and future growth opportunities in the market.

Top-down and bottom-up approaches were used to estimate and validate the size of the Global Insurtech market and to estimate the size of various other dependent submarkets. The research methodology used to estimate the market size includes the following details: The key players in the market were identified through secondary research, and their market shares in the respective regions were determined through primary and secondary research. This entire procedure includes the study of the annual and financial reports of the top market players and extensive interviews for key insights from industry leaders such as CEOs, VPs, directors, and marketing executives. All percentage shares split, and breakdowns were determined using secondary sources and verified through Primary sources. All possible parameters that affect the markets covered in this research study have been accounted for, viewed in extensive detail, verified through primary research, and analyzed to get the final quantitative and qualitative data.

Global Insurtech Market Segments Analysis

Global Insurtech Market is segmented by Component, Insurance Type, Technology, Deployment Mode, Enterprise Size, End-User and region. Based on Component, the market is segmented into Software and Service. Based on Insurance Type, the market is segmented into Automotive, Business, Health, Home, Commercial, Travel and Others. Based on Technology, the market is segmented into Blockchain, Cloud Computing, IoT, Machine Learning,Robo Advisoryand Others. Based on Deployment Mode, the market is segmented into Cloud-based and On-premises. Based on Enterprise Size, the market is segmented into Large Enterprises and Small & Medium Enterprises (SMEs). Based on End-User, the market is segmented into Automotive, BFSI, Government, Healthcare, Manufacturing, Retail, Transportation and Others. Based on region, the market is segmented into North America, Europe, Asia Pacific, Latin America and Middle East & Africa.

Driver of the Global Insurtech Market

The global insurtech market is being propelled by a widespread emphasis across various industries and nations on the digital transformation of financial services to stay aligned with technological advancements. The increasing adoption of cutting-edge digital technologies aimed at modernizing and enhancing insurance and financial operations is anticipated to significantly boost the demand for insurtech solutions. As organizations strive to improve efficiency and customer experience, the integration of innovative digital tools in the insurance sector is becoming essential for staying competitive and meeting evolving consumer expectations, ultimately stimulating growth in the insurtech landscape.

Restraints in the Global Insurtech Market

The Global Insurtech market faces significant constraints due to the advanced and costly nature of insurtech solutions and technologies. This financial barrier presents a challenge for insurance organizations operating with restricted budgets or limited financial resources. Furthermore, the need for additional investments associated with the implementation, ongoing maintenance, and necessary training for personnel to effectively utilize these insurtech solutions exacerbates the expense. As a result, these factors collectively hinder the growth potential of the market, as many companies struggle to justify the costs involved in adopting these innovative technologies.

Market Trends of the Global Insurtech Market

A key market trend in the global insurtech industry is the increasing adoption of digital technologies to enhance customer experience and streamline operations. The integration of artificial intelligence, machine learning, and big data analytics is transforming underwriting processes, claims management, and risk assessment, enabling insurers to offer personalized products and services. Additionally, the rise of insurtech startups is fostering innovation and competition, leading to the emergence of new distribution channels such as mobile apps and online platforms. This shift towards a more tech-driven landscape is encouraging traditional insurers to collaborate with insurtech firms, ultimately driving efficiency and enhancing customer engagement.

Table of Contents

Introduction

• Objectives of the Study
• Scope of the Report
• Definitions

Research Methodology

• Information Procurement
• Secondary & Primary Data Methods
• Market Size Estimation
• Market Assumptions & Limitations

Executive Summary

• Global Market Outlook
• Supply & Demand Trend Analysis
• Segmental Opportunity Analysis

Market Dynamics & Outlook

• Market Overview
• Market Size
• Market Dynamics
  • Drivers & Opportunities
  • Restraints & Challenges
• Porters Analysis
  • Competitive rivalry
  • Threat of substitute
  • Bargaining power of buyers
  • Threat of new entrants
  • Bargaining power of suppliers

Key Market Insights

• Key Success Factors
• Degree of Competition
• Top Investment Pockets
• Market Ecosystem
• Market Attractiveness Index, 2025
• PESTEL Analysis
• Macro-Economic Indicators
• Value Chain Analysis
• Pricing Analysis

Global Insurtech Market Size by Component & CAGR (2026-2033)

• Market Overview
• Software
  • Policy Administration Software
  • Underwriting & Risk Rating Software
  • Claims Management Software
  • Billing & Payment Solutions
  • Analytics & AI Tools
• Service
  • Consulting & Advisory
  • Integration & Deployment
  • Support & Maintenance

Global Insurtech Market Size by Insurance Type & CAGR (2026-2033)

• Market Overview
• Automotive
• Business
• Health
• Home
• Commercial
• Travel
• Others

Global Insurtech Market Size by Technology & CAGR (2026-2033)

• Market Overview
• Blockchain
• Cloud Computing
• IoT
• Machine Learning
• Robo Advisory
• Others

Global Insurtech Market Size by Deployment Mode & CAGR (2026-2033)

• Market Overview
• Cloud-based
• On-premises

Global Insurtech Market Size by Enterprise Size & CAGR (2026-2033)

• Market Overview
• Large Enterprises
• Small & Medium Enterprises (SMEs)

Global Insurtech Market Size by End-User & CAGR (2026-2033)

• Market Overview
• Automotive
• BFSI
• Government
• Healthcare
• Manufacturing
• Retail
• Transportation
• Others

Global Insurtech Market Size & CAGR (2026-2033)

• North America (Component, Insurance Type, Technology, Deployment Mode, Enterprise Size, End-User)
  • US
  • Canada
• Europe (Component, Insurance Type, Technology, Deployment Mode, Enterprise Size, End-User)
  • Germany
  • Spain
  • France
  • UK
  • Italy
  • Rest of Europe
• Asia Pacific (Component, Insurance Type, Technology, Deployment Mode, Enterprise Size, End-User)
  • China
  • India
  • Japan
  • South Korea
  • Rest of Asia-Pacific
• Latin America (Component, Insurance Type, Technology, Deployment Mode, Enterprise Size, End-User)
  • Brazil
  • Rest of Latin America
• Middle East & Africa (Component, Insurance Type, Technology, Deployment Mode, Enterprise Size, End-User)
  • GCC Countries
  • South Africa
  • Rest of Middle East & Africa

Competitive Intelligence

• Top 5 Player Comparison
• Market Positioning of Key Players, 2025
• Strategies Adopted by Key Market Players
• Recent Developments in the Market
• Company Market Share Analysis, 2025
• Company Profiles of All Key Players
  • Company Details
  • Product Portfolio Analysis
  • Company's Segmental Share Analysis
  • Revenue Y-O-Y Comparison (2023-2025)

Key Company Profiles

• Lemonade Inc. (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Root Insurance Co. (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Zego (United Kingdom)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Trov (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• WeFox (Germany)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Getsafe (Germany)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Hippo Insurance (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Bolttech (Singapore)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Alan (France)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Cover (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Cuvva (United Kingdom)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Pie Insurance (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Bima (Sweden)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Go Digit Insurance (India)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• OneDegree (Hong Kong)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Kin Insurance (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Inshur (United Kingdom)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments

Conclusion & Recommendations