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市场调查报告书
商品编码
1856953
全球自动核保系统市场:预测至 2032 年-按功能、部署方式、技术、应用、最终用户和地区进行分析Automated Underwriting Systems Market Forecasts to 2032 - Global Analysis By Functionality, Deployment Mode, Technology, Application, End User and By Geography |
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根据 Stratistics MRC 的数据,全球自动承保系统市场预计到 2025 年将达到 65 亿美元,到 2032 年将达到 168 亿美元,预测期内复合年增长率为 14.5%。
自动承保系统 (AUS) 是由软体主导的平台,主要应用于保险和房屋抵押贷款领域,供金融机构高效、准确地评估申请。这些系统使用预先定义的演算法和规则分析申请人数据,例如信用记录、收入、房产详情和风险因素,从而做出合格、定价和核准决定。透过自动化传统的人工核保流程,AUS 可以减少人为错误、加快决策速度、确保一致性并提高营运效率。此外,它还能提高风险评估的准确性、支持监管合规,并使金融机构能够以最少的人工投入处理大量申请。
提高风险评估和一致性
在高容量工作流程中,即时决策正在取代人工审核。保险公司正在将自动承保系统 (AUS) 与诈欺侦测、信用评分和保单管理平台整合。标准化逻辑提高了透明度,并减少了不同地区承保的差异。基于规则的文件使监管审核的管理变得更加容易。这些能力正在推动承保业务的数位转型。
旧有系统和技术基础设施
许多保险公司仍在使用过时的核心系统,这些系统与现代工具缺乏互通性。迁移到云端原生环境需要大量的规划和预算投入。与外部资料来源的相容性问题会延缓实施进度。内部对变革的抵触情绪也会阻碍整个核保团队的现代化进程。这些限制因素持续阻碍平台部署和效能最佳化。
监管和合规要求
保险公司面临着满足不断变化的公平性、透明度和数据管治标准的压力。 AUS平台内建文件和逻辑可追溯性,以支援监管报告。承保规则的即时更新有助于与保单变更保持一致。与合规仪表板的整合增强了分散式团队的监督能力。这些功能正在推动受监管市场和商业保险公司采用该平台。
初始投资成本及维护成本高
许可证费用、整合费用和员工培训是进入门槛。持续更新和供应商支援对于维持系统效能和资料准确性至关重要。如果没有明显的效率提升,中小企业可能难以证明投资报酬率的合理性。预算限制和相互衝突的IT优先事项会延缓采购决策。这些压力持续限制着该技术在业界的广泛应用。
疫情加速了保险公司对自动化核保的兴趣,因为他们面临远端营运数位化需求的激增。在保险公司业务停摆期间,非接触式保单签发和快速理赔分流变得至关重要。 AUS的平台使保险公司能够在不增加员工的情况下处理激增的申请量。远端审核和数位化文件支援了分散团队的合规性。疫情后的策略已将自动化作为营运韧性的核心支柱。这种转变正在加速对核保现代化的长期投资。
预计在预测期内,自动核保系统(AUS)业务板块将成为最大的板块。
由于自动核保系统 (AUS) 在风险评估和保单签发数位化方面发挥核心作用,预计在预测期内,AUS 细分市场将占据最大的市场份额。 AUS 在人寿、健康和产物保险领域的应用日益广泛。供应商提供可配置的引擎,支援基于规则和人工智慧驱动的决策。与客户关係管理 (CRM) 和保单管理系统的核准提高了工作流程的连续性。对即时审批和更快週转时间的需求正在推动平台升级。这些功能正在增强 AUS 在承保业务的领先地位。
预计在预测期内,总代理(MGA)业务板块的复合年增长率将最高。
预计在预测期内,管理总代理 (MGA) 业务板块将实现最高成长率,因为中介机构纷纷采用自动核保系统 (AUS) 来扩展承保能力并提升服务水准。大量保险申请和委託模式需要自动化来确保速度和准确性。云端原生平台能够实现快速部署,并可根据细分市场进行客製化。与仲介入口网站和再保险公司係统的整合可以改善资料流并加快决策速度。数位化优先的核保模式正在推动对敏捷性和成本效益的需求。
由于北美拥有成熟的保险生态系统和在数位转型方面的强劲投资,预计在预测期内,北美将占据最大的市场份额。美国保险公司正在个人和商业险种中采用自动承保系统(AUS),以提高速度和合规性。监管政策的明确性和数据的可用性为高阶风险建模和决策自动化提供了支援。主要软体供应商和保险科技新兴企业的存在正在推动承保平台的创新。云端技术的应用和API整合使得跨旧有系统的无缝部署成为可能。
预计亚太地区在预测期内将实现最高的复合年增长率,这主要得益于保险公司在新兴市场推进基础设施现代化并拓展数位化服务。印度、中国和澳洲等国家正在投资云端基础的承保平台,以提高服务可近性和效率。当地保险公司正在采用自动承保系统(AUS),以打造行动优先的客户体验并降低营运成本。政府支持的数位化保险计划正在推动公共和私营部门采用该平台。该地区的代理商和仲介正在利用自动化技术拓展服务不足市场的承保业务。
According to Stratistics MRC, the Global Automated Underwriting Systems Market is accounted for $6.5 billion in 2025 and is expected to reach $16.8 billion by 2032 growing at a CAGR of 14.5% during the forecast period. Automated Underwriting Systems (AUS) are software-driven platforms used by financial institutions, primarily in insurance and mortgage sectors, to evaluate applications efficiently and accurately. These systems analyze applicant data, including credit history, income, property details, and risk factors, using predefined algorithms and rules to determine eligibility, pricing, and approval decisions. By automating the traditionally manual underwriting process, AUS reduces human error, accelerates decision-making, ensures consistency, and improves operational efficiency. They also enhance risk assessment accuracy, support regulatory compliance, and allow institutions to handle high volumes of applications with minimal manual intervention.
Improved risk assessment and consistency
Real-time decisioning is replacing manual reviews in high-volume workflows. Insurers are integrating AUS with fraud detection, credit scoring, and policy administration platforms. Standardized logic is improving transparency and reducing underwriting variability across regions. Regulatory audits are becoming easier to manage with rule-based documentation. These capabilities are propelling digital transformation across underwriting operations.
Legacy systems & technical infrastructure
Many insurers operate on outdated core systems that lack interoperability with modern tools. Migration to cloud-native environments requires significant planning and budget allocation. Compatibility issues with external data sources can delay implementation timelines. Internal resistance to change slows modernization across underwriting teams. These constraints continue to hamper platform deployment and performance optimization.
Regulatory & compliance demands
Insurers are under pressure to meet evolving standards for fairness, transparency, and data governance. AUS platforms offer built-in documentation and logic traceability that support regulatory reporting. Real-time updates to underwriting rules help maintain alignment with policy changes. Integration with compliance dashboards is improving oversight across distributed teams. These features are fostering adoption across regulated markets and enterprise insurers.
High initial investment costs & maintenance
Licensing fees, integration costs, and staff training create financial barriers to entry. Ongoing updates and vendor support are essential to maintain system performance and data accuracy. Smaller firms may struggle to justify ROI without clear efficiency gains. Budget constraints and competing IT priorities delay procurement decisions. These pressures continue to constrain widespread implementation across the sector.
The pandemic accelerated interest in automated underwriting as insurers faced remote operations and rising digital demand. Contactless policy issuance and faster claims triage became essential during lockdowns. AUS platforms enabled insurers to manage increased application volumes without expanding staff. Remote audits and digital documentation supported compliance across distributed teams. Post-pandemic strategies now include automation as a core pillar of operational resilience. These shifts are accelerating long-term investment in underwriting modernization.
The automated underwriting systems (AUS) segment is expected to be the largest during the forecast period
The automated underwriting systems (AUS) segment is expected to account for the largest market share during the forecast period due to their central role in digitizing risk evaluation and policy issuance. Adoption is rising across life, health, and property insurance lines. Vendors are offering configurable engines that support both rules-based and AI-driven decisioning. Integration with CRM and policy administration systems is improving workflow continuity. Demand for real-time approvals and reduced turnaround time is driving platform upgrades. These capabilities are boosting AUS dominance across underwriting operations.
The managing general agents (MGAs) segment is expected to have the highest CAGR during the forecast period
Over the forecast period, the managing general agents (MGAs) segment is predicted to witness the highest growth rate as intermediaries adopt AUS to scale underwriting capacity and improve service delivery. High-volume submissions and delegated authority models require automation to maintain speed and accuracy. Cloud-native platforms are enabling rapid deployment and customization for niche markets. Integration with broker portals and reinsurer systems is improving data flow and decision speed. Demand for agility and cost efficiency is rising across digital-first underwriting models.
During the forecast period, the North America region is expected to hold the largest market share due to its mature insurance ecosystem and strong investment in digital transformation. U.S. insurers are deploying AUS across personal and commercial lines to improve speed and compliance. Regulatory clarity and data availability are supporting advanced risk modeling and decision automation. Presence of leading software vendors and insurtech startups is driving innovation across underwriting platforms. Cloud adoption and API integration are enabling seamless deployment across legacy systems.
Over the forecast period, the Asia Pacific region is anticipated to exhibit the highest CAGR as insurers modernize infrastructure and expand digital offerings across emerging markets. Countries like India, China, and Australia are investing in cloud-based underwriting platforms to improve access and efficiency. Local insurers are adopting AUS to serve mobile-first customers and reduce operational costs. Government-backed digital insurance initiatives are supporting platform adoption across public and private sectors. Regional MGAs and brokers are using automation to scale underwriting across underserved markets.
Key players in the market
Some of the key players in Automated Underwriting Systems Market include Oracle Corporation, Salesforce, Inc., IBM Corporation, Microsoft Corporation, FICO (Fair Isaac Corporation), Pegasystems Inc., Duck Creek Technologies LLC, Guidewire Software, Inc., Socotra, Inc., Zywave, Inc., BriteCore LLC, Appian Corporation, FlowForma Ltd., Nected Technologies Pvt. Ltd. and AI Curator Inc.
In July 2024, Salesforce introduced enhancements to its Financial Services Cloud for Insurance, including automated prefill tools, virtual surveys, and predictive analytics for underwriting. These tools leveraged machine learning to streamline data intake and improve risk scoring, enabling insurers to accelerate policy issuance and reduce operational costs.
In June 2024, Oracle launched the Oracle Health Insurance Data Exchange Cloud Service, which simplified and automated insurer data onboarding and transformations; the cloud service was intended to reduce manual data work and speed automated underwriting and eligibility flows for health and benefits insurers.
Note: Tables for North America, Europe, APAC, South America, and Middle East & Africa Regions are also represented in the same manner as above.