保险科技市场－全球产业规模、份额、趋势、机会及预测（按类型、保费范围、地区及竞争格局划分，2021-2031年）

全球保险科技市场预计将从 2025 年的 72.4 亿美元大幅成长至 2031 年的 395.2 亿美元，复合年增长率达 32.69%。

保险科技（InsurTech）是指运用技术创新，透过数位化分销、数据分析和自动化等手段优化传统保险业模式。这项市场成长的主要驱动力是现有保险公司迫切需要降低营运成本，以及消费者对无缝数位化体验日益增长的需求。此外，基于先进数据分析的精准风险评估的需求也促使保险公司采用这些技术解决方案，从而提高理赔处理效率和核保准确性。

然而，该行业面临一个重大障碍：资金筹措不稳定，这阻碍了市场快速扩张和产品开发。经济的不确定性和高利率创造了谨慎的投资环境，限制了成长型企业的资金筹措。这种收缩在近期的融资活动中显而易见。根据 Gallagher Lee 预测，2024 年全球保险科技资金筹措将达 42.5 亿美元，较前一年下降 5.6%。

市场驱动因素

人工智慧 (AI) 和自动化技术的快速普及正成为全球保险科技 (InsurTech) 市场的关键驱动力，从根本上改变了承保业务效率和理赔流程。保险公司正越来越多地利用机器学习演算法来自动化复杂的风险评估，降低营运成本，从而实现保单的即时签发和诈欺检测。产业研究也印证了这一营运模式的转变。美国全国保险监督官协会 (NAIC) 的一项 2025 年调查显示，88% 的汽车保险公司目前正在实施或计划实施人工智慧策略，以增强其竞争力。此外，更广泛的市场环境也为这些技术提供了强而有力的支援。根据 Gallagher Lee 于 2025 年 2 月发布的《2024 年第四季全球保险科技报告》，专注于人工智慧的保险科技公司在 2024 年第四季的投资额占所有投资额的 42.3%。

同时，非保险生态系统中嵌入式保险模式的兴起正在扩大市场覆盖率和可及性。这些模式利用应用程式介面 (API) 将保险直接整合到第三方平台（例如汽车製造商或电商网站）的购买流程中。透过在销售点提供相关保障，保险科技公司可以绕过传统的客户获取壁垒，并利用消费者品牌建立的信任。这种整合的商业性潜力巨大：Bolttech 于 2025 年 9 月发布的白皮书《通讯业者嵌入式保险》预测，全球嵌入式保险市场规模将从 2024 年的 1560 亿美元飙升至 2029 年的 7030 亿美元，凸显了 API 驱动的分销模式在行业未来扩张中的关键作用。

市场挑战

全球保险科技市场面临的一项关键挑战是资金筹措不稳定，这限制了企业的扩张和创新。高利率和经济不确定性限制了资本获取，迫使成长型企业优先考虑现金储备而非必要的研发投入。这种流动性不足直接阻碍了Start-Ups获取客户和完善其数位平台的能力，从而延缓了传统保险模式的转型。当企业无法获得可靠的资金支持时，它们就无法进行快速的产品改进以满足不断变化的消费者需求，最终导致整个市场竞争停滞不前。

投资活动的下滑导致交易量显着下降，这预示着创业投资正在撤离，而风险资本历来是该行业扩张的重要支撑。根据保险资讯研究所 (III) 预测，2024 年全球保险科技交易总数预计将年减 18.5%，降至 2019 年以来的最低水准。交易活动的急剧下降表明，能够获得生存所需资金支持的公司数量减少，这很可能导致市场整合，最终只有资本最雄厚的公司能够生存下来。这种环境不利于新进入者，并降低了行业可用的技术解决方案的多样性。

市场趋势

基于使用量的保险（UBI）和远端资讯处理驱动模式的兴起，正从根本上改变汽车保险的结构，将定价机制从静态的人口统计指标转向即时行为数据。这种变革使保险公司能够提供反映实际风险敞口的动态保费，并透过即时回馈机制鼓励安全驾驶习惯。此模式在改变投保人行为的有效性，在近期道路安全指标中日益凸显。根据剑桥行动远端资讯处理公司2025年4月发布的《2024年美国道路风险报告》，预计到2024年，分心驾驶事故将减少8.6%，这一显着改善直接归功于更多人参与了奖励风险规避行为的互联保险计划。

同时，随着气候相关风险的频率和严重程度不断加剧，参数型保险解决方案作为关键应对措施，其发展速度也正在加快。与传统产物保险需要冗长的损失评估不同，参数型保险架构能够根据预先设定的触发条件（例如风速或洪水水位）自动且几乎即时地进行赔付，从而在灾后立即註入流动性。事实证明，这种机制对于填补传统市场未能解决的保险缺口至关重要。根据瑞士再保险公司2025年5月发布的《Sigma报告》，2024年全球天灾保险赔偿金额将达1,370亿美元，这意味着高达1,810亿美元的巨大保障缺口。参数型保险技术公司正日益致力于弥合这一缺口，以增强气候适应能力。

目录

第一章概述

第二章调查方法

第三章执行摘要

第四章：客户评价

第五章 全球保险科技市场展望

• 市场规模及预测
  • 按金额
• 市占率及预测
  • 按类型（人寿保险、健康保险、旅游保险、住宅保险、财产保险、汽车保险、其他（窃盗保险、公司保险））
  • 以高阶价位（500 美元以下、501-2000 美元、2001-5000 美元、5000 美元以上）
  • 按地区
  • 按公司（2025 年）
• 市场地图

第六章：北美保险科技市场展望

• 市场规模及预测
• 市占率及预测
• 北美洲：国家分析
  • 我们
  • 加拿大
  • 墨西哥

第七章：欧洲保险科技市场展望

• 市场规模及预测
• 市占率及预测
• 欧洲：国家分析
  • 德国
  • 法国
  • 英国
  • 义大利
  • 西班牙

第八章：亚太地区保险科技市场展望

• 市场规模及预测
• 市占率及预测
• 亚太地区：国家分析
  • 中国
  • 印度
  • 日本
  • 韩国
  • 澳洲

第九章：中东与非洲保险科技市场展望

• 市场规模及预测
• 市占率及预测
• 中东和非洲：国家分析
  • 沙乌地阿拉伯
  • 阿拉伯聯合大公国
  • 南非

第十章：南美洲保险科技市场展望

• 市场规模及预测
• 市占率及预测
• 南美洲：国家分析
  • 巴西
  • 哥伦比亚
  • 阿根廷

第十一章 市场动态

• 司机
• 任务

第十二章 市场趋势与发展

• 併购
• 产品发布
• 最新进展

第十三章：全球保险科技市场：SWOT分析

第十四章：波特五力分析

• 产业竞争
• 新进入者的可能性
• 供应商电力
• 顾客权力
• 替代品的威胁

第十五章 竞争格局

• Oscar Insurance Corporation
• Root Inc.
• Doma Holdings, Inc.
• Clover Health Investments Corp
• Policybazaar Insurance Brokers Private Limited
• Trov Insurance Solutions, LLC
• ZhongAn Online P&C Insurance Co. Ltd.
• Acko General Insurance Limited
• Apollo Insurance Solutions Ltd
• Prudential Financial, Inc.

第十六章 策略建议

第十七章：关于研究公司及免责声明

The Global Insurtech Market is projected to expand significantly, growing from USD 7.24 Billion in 2025 to USD 39.52 Billion by 2031, representing a CAGR of 32.69%. Insurtech involves the application of technological innovations to optimize the traditional insurance industry model through digital distribution, data analysis, and automation. This market growth is primarily propelled by the urgent need for incumbent firms to lower operational costs and the increasing consumer demand for seamless digital experiences. Furthermore, the requirement for precise risk assessment utilizing advanced data analytics forces insurers to adopt these technical solutions, thereby enhancing claims processing and underwriting accuracy.

However, the sector faces a significant obstacle in the form of funding volatility, which hinders rapid market expansion and product development. Economic uncertainty and high interest rates have created a cautious investment climate that restricts capital access for companies in the growth stage. This contraction is evident in recent financial activity; according to Gallagher Re, global InsurTech funding amounted to 4.25 billion United States Dollars in 2024, marking a 5.6% decline compared to the capital raised during the previous year.

Market Driver

The rapid adoption of Artificial Intelligence (AI) and automation serves as a primary catalyst for the Global Insurtech Market, fundamentally transforming underwriting efficiency and claims processing. Insurers are increasingly utilizing machine learning algorithms to automate complex risk assessments and decrease operational overheads, facilitating real-time policy issuance and fraud detection. This operational shift is highlighted by recent industry surveys; according to a 2025 study by the National Association of Insurance Commissioners (NAIC), 88% of auto insurers reported current or planned usage of artificial intelligence strategies to improve their competitive positioning. Additionally, the broader market investment landscape has strongly favored these technologies, with Gallagher Re's February 2025 'Global InsurTech Report Q4 2024' noting that AI-focused insurtechs comprised 42.3% of all investment deals in the fourth quarter of 2024.

Simultaneously, the rise of embedded insurance models within non-insurance ecosystems is broadening the market's distribution reach and accessibility. This mechanism utilizes Application Programming Interfaces (APIs) to integrate coverage directly into the purchase journey on third-party platforms, such as automotive manufacturers and e-commerce sites. By presenting relevant protection products at the exact point of sale, insurtech firms can circumvent traditional customer acquisition barriers and leverage the trust established by consumer brands. The commercial potential of this integration is substantial; according to Bolttech's September 2025 'Embedded Insurance for Telcos' whitepaper, the global embedded insurance market is projected to surge from $156 billion in 2024 to $703 billion by 2029, underscoring the critical role of API-driven distribution in future industry expansion.

Market Challenge

The primary challenge impeding the Global Insurtech Market is funding volatility, which creates a restrictive environment for operational scaling and innovation. High interest rates and economic uncertainty limit capital availability, compelling growth-stage companies to prioritize cash preservation over essential research and development. This lack of liquidity directly hampers the ability of startups to acquire customers and refine digital platforms, stalling the disruption of traditional insurance models. When ventures cannot secure reliable backing, they are unable to execute the rapid product iterations necessary to meet evolving consumer demands, resulting in a stagnation of overall market competitiveness.

The contraction in investment activity has led to a measurable decline in transaction volume, indicating a retreat by venture capitalists who previously fueled the sector's expansion. According to the Insurance Information Institute, the total number of global insurtech deals in 2024 declined by 18.5% compared to the previous year, falling to levels not seen since 2019. This sharp reduction in deal activity suggests that fewer companies are receiving the financial support required to survive, likely resulting in market consolidation where only the most capitalized firms remain. Such an environment stifles the entry of new players and reduces the diversity of technological solutions available to the industry.

Market Trends

The expansion of Usage-Based Insurance (UBI) and telematics-driven models is fundamentally altering the auto insurance landscape by moving pricing mechanisms from static demographic proxies to real-time behavioral data. This evolution allows insurers to offer dynamic premiums that reflect actual risk exposure while simultaneously incentivizing safer driving habits through immediate feedback loops. The effectiveness of this model in modifying policyholder behavior is becoming increasingly evident in recent road safety metrics; according to Cambridge Mobile Telematics' April 2025 report, 'The State of U.S. Road Risk in 2024,' distracted driving incidents decreased by 8.6% in 2024, a significant improvement directly attributed to growing enrollment in connected insurance programs that reward risk-averse actions.

Concurrently, the growth of parametric insurance solutions is accelerating as a critical response to the intensifying frequency and severity of climate-related risks. Unlike traditional indemnity policies that require lengthy loss adjustments, parametric architectures utilize pre-defined triggers-such as wind speed or flood levels-to execute automatic, near-instantaneous payouts, thereby injecting liquidity immediately after a catastrophe. This mechanism is proving essential in bridging the coverage disparity left by conventional markets; according to Swiss Re's 'sigma' report from May 2025, global insured losses from natural catastrophes totaled 137 billion United States Dollars in 2024, leaving a substantial protection gap of 181 billion United States Dollars that parametric insurtechs are increasingly targeting to enhance climate resilience.

Key Market Players

• Oscar Insurance Corporation
• Root Inc.
• Doma Holdings, Inc.
• Clover Health Investments Corp
• Policybazaar Insurance Brokers Private Limited
• Trov Insurance Solutions, LLC
• ZhongAn Online P&C Insurance Co. Ltd.
• Acko General Insurance Limited
• Apollo Insurance Solutions Ltd
• Prudential Financial, Inc.

Report Scope

In this report, the Global Insurtech Market has been segmented into the following categories, in addition to the industry trends which have also been detailed below:

Insurtech Market, By Type

• Life Insurance
• Health Insurance
• Travel Insurance
• Home Insurance
• Property Insurance
• Auto Insurance
• Others (Theft Insurance, Corporate Insurance)

Insurtech Market, By Premium Range

• Up to USD500
• USD501-2000
• USD2001-5000
• Above USD5000

Insurtech Market, By Region

• North America
  • United States
  • Canada
  • Mexico
• Europe
  • France
  • United Kingdom
  • Italy
  • Germany
  • Spain
• Asia Pacific
  • China
  • India
  • Japan
  • Australia
  • South Korea
• South America
  • Brazil
  • Argentina
  • Colombia
• Middle East & Africa
  • South Africa
  • Saudi Arabia
  • UAE

Competitive Landscape

Company Profiles: Detailed analysis of the major companies present in the Global Insurtech Market.

Available Customizations:

Global Insurtech Market report with the given market data, TechSci Research offers customizations according to a company's specific needs. The following customization options are available for the report:

Company Information

• Detailed analysis and profiling of additional market players (up to five).

Table of Contents

1. Product Overview

• 1.1. Market Definition
• 1.2. Scope of the Market
  • 1.2.1. Markets Covered
  • 1.2.2. Years Considered for Study
  • 1.2.3. Key Market Segmentations

2. Research Methodology

• 2.1. Objective of the Study
• 2.2. Baseline Methodology
• 2.3. Key Industry Partners
• 2.4. Major Association and Secondary Sources
• 2.5. Forecasting Methodology
• 2.6. Data Triangulation & Validation
• 2.7. Assumptions and Limitations

3. Executive Summary

• 3.1. Overview of the Market
• 3.2. Overview of Key Market Segmentations
• 3.3. Overview of Key Market Players
• 3.4. Overview of Key Regions/Countries
• 3.5. Overview of Market Drivers, Challenges, Trends

4. Voice of Customer

5. Global Insurtech Market Outlook

• 5.1. Market Size & Forecast
  • 5.1.1. By Value
• 5.2. Market Share & Forecast
  • 5.2.1. By Type (Life Insurance, Health Insurance, Travel Insurance, Home Insurance, Property Insurance, Auto Insurance, Others (Theft Insurance, Corporate Insurance))
  • 5.2.2. By Premium Range (Up to USD500, USD501-2000, USD2001-5000, Above USD5000)
  • 5.2.3. By Region
  • 5.2.4. By Company (2025)
• 5.3. Market Map

6. North America Insurtech Market Outlook

• 6.1. Market Size & Forecast
  • 6.1.1. By Value
• 6.2. Market Share & Forecast
  • 6.2.1. By Type
  • 6.2.2. By Premium Range
  • 6.2.3. By Country
• 6.3. North America: Country Analysis
  • 6.3.1. United States Insurtech Market Outlook
    • 6.3.1.1. Market Size & Forecast
      • 6.3.1.1.1. By Value
    • 6.3.1.2. Market Share & Forecast
      • 6.3.1.2.1. By Type
      • 6.3.1.2.2. By Premium Range
  • 6.3.2. Canada Insurtech Market Outlook
    • 6.3.2.1. Market Size & Forecast
      • 6.3.2.1.1. By Value
    • 6.3.2.2. Market Share & Forecast
      • 6.3.2.2.1. By Type
      • 6.3.2.2.2. By Premium Range
  • 6.3.3. Mexico Insurtech Market Outlook
    • 6.3.3.1. Market Size & Forecast
      • 6.3.3.1.1. By Value
    • 6.3.3.2. Market Share & Forecast
      • 6.3.3.2.1. By Type
      • 6.3.3.2.2. By Premium Range

7. Europe Insurtech Market Outlook

• 7.1. Market Size & Forecast
  • 7.1.1. By Value
• 7.2. Market Share & Forecast
  • 7.2.1. By Type
  • 7.2.2. By Premium Range
  • 7.2.3. By Country
• 7.3. Europe: Country Analysis
  • 7.3.1. Germany Insurtech Market Outlook
    • 7.3.1.1. Market Size & Forecast
      • 7.3.1.1.1. By Value
    • 7.3.1.2. Market Share & Forecast
      • 7.3.1.2.1. By Type
      • 7.3.1.2.2. By Premium Range
  • 7.3.2. France Insurtech Market Outlook
    • 7.3.2.1. Market Size & Forecast
      • 7.3.2.1.1. By Value
    • 7.3.2.2. Market Share & Forecast
      • 7.3.2.2.1. By Type
      • 7.3.2.2.2. By Premium Range
  • 7.3.3. United Kingdom Insurtech Market Outlook
    • 7.3.3.1. Market Size & Forecast
      • 7.3.3.1.1. By Value
    • 7.3.3.2. Market Share & Forecast
      • 7.3.3.2.1. By Type
      • 7.3.3.2.2. By Premium Range
  • 7.3.4. Italy Insurtech Market Outlook
    • 7.3.4.1. Market Size & Forecast
      • 7.3.4.1.1. By Value
    • 7.3.4.2. Market Share & Forecast
      • 7.3.4.2.1. By Type
      • 7.3.4.2.2. By Premium Range
  • 7.3.5. Spain Insurtech Market Outlook
    • 7.3.5.1. Market Size & Forecast
      • 7.3.5.1.1. By Value
    • 7.3.5.2. Market Share & Forecast
      • 7.3.5.2.1. By Type
      • 7.3.5.2.2. By Premium Range

8. Asia Pacific Insurtech Market Outlook

• 8.1. Market Size & Forecast
  • 8.1.1. By Value
• 8.2. Market Share & Forecast
  • 8.2.1. By Type
  • 8.2.2. By Premium Range
  • 8.2.3. By Country
• 8.3. Asia Pacific: Country Analysis
  • 8.3.1. China Insurtech Market Outlook
    • 8.3.1.1. Market Size & Forecast
      • 8.3.1.1.1. By Value
    • 8.3.1.2. Market Share & Forecast
      • 8.3.1.2.1. By Type
      • 8.3.1.2.2. By Premium Range
  • 8.3.2. India Insurtech Market Outlook
    • 8.3.2.1. Market Size & Forecast
      • 8.3.2.1.1. By Value
    • 8.3.2.2. Market Share & Forecast
      • 8.3.2.2.1. By Type
      • 8.3.2.2.2. By Premium Range
  • 8.3.3. Japan Insurtech Market Outlook
    • 8.3.3.1. Market Size & Forecast
      • 8.3.3.1.1. By Value
    • 8.3.3.2. Market Share & Forecast
      • 8.3.3.2.1. By Type
      • 8.3.3.2.2. By Premium Range
  • 8.3.4. South Korea Insurtech Market Outlook
    • 8.3.4.1. Market Size & Forecast
      • 8.3.4.1.1. By Value
    • 8.3.4.2. Market Share & Forecast
      • 8.3.4.2.1. By Type
      • 8.3.4.2.2. By Premium Range
  • 8.3.5. Australia Insurtech Market Outlook
    • 8.3.5.1. Market Size & Forecast
      • 8.3.5.1.1. By Value
    • 8.3.5.2. Market Share & Forecast
      • 8.3.5.2.1. By Type
      • 8.3.5.2.2. By Premium Range

9. Middle East & Africa Insurtech Market Outlook

• 9.1. Market Size & Forecast
  • 9.1.1. By Value
• 9.2. Market Share & Forecast
  • 9.2.1. By Type
  • 9.2.2. By Premium Range
  • 9.2.3. By Country
• 9.3. Middle East & Africa: Country Analysis
  • 9.3.1. Saudi Arabia Insurtech Market Outlook
    • 9.3.1.1. Market Size & Forecast
      • 9.3.1.1.1. By Value
    • 9.3.1.2. Market Share & Forecast
      • 9.3.1.2.1. By Type
      • 9.3.1.2.2. By Premium Range
  • 9.3.2. UAE Insurtech Market Outlook
    • 9.3.2.1. Market Size & Forecast
      • 9.3.2.1.1. By Value
    • 9.3.2.2. Market Share & Forecast
      • 9.3.2.2.1. By Type
      • 9.3.2.2.2. By Premium Range
  • 9.3.3. South Africa Insurtech Market Outlook
    • 9.3.3.1. Market Size & Forecast
      • 9.3.3.1.1. By Value
    • 9.3.3.2. Market Share & Forecast
      • 9.3.3.2.1. By Type
      • 9.3.3.2.2. By Premium Range

10. South America Insurtech Market Outlook

• 10.1. Market Size & Forecast
  • 10.1.1. By Value
• 10.2. Market Share & Forecast
  • 10.2.1. By Type
  • 10.2.2. By Premium Range
  • 10.2.3. By Country
• 10.3. South America: Country Analysis
  • 10.3.1. Brazil Insurtech Market Outlook
    • 10.3.1.1. Market Size & Forecast
      • 10.3.1.1.1. By Value
    • 10.3.1.2. Market Share & Forecast
      • 10.3.1.2.1. By Type
      • 10.3.1.2.2. By Premium Range
  • 10.3.2. Colombia Insurtech Market Outlook
    • 10.3.2.1. Market Size & Forecast
      • 10.3.2.1.1. By Value
    • 10.3.2.2. Market Share & Forecast
      • 10.3.2.2.1. By Type
      • 10.3.2.2.2. By Premium Range
  • 10.3.3. Argentina Insurtech Market Outlook
    • 10.3.3.1. Market Size & Forecast
      • 10.3.3.1.1. By Value
    • 10.3.3.2. Market Share & Forecast
      • 10.3.3.2.1. By Type
      • 10.3.3.2.2. By Premium Range

11. Market Dynamics

• 11.1. Drivers
• 11.2. Challenges

12. Market Trends & Developments

• 12.1. Merger & Acquisition (If Any)
• 12.2. Product Launches (If Any)
• 12.3. Recent Developments

13. Global Insurtech Market: SWOT Analysis

14. Porter's Five Forces Analysis

• 14.1. Competition in the Industry
• 14.2. Potential of New Entrants
• 14.3. Power of Suppliers
• 14.4. Power of Customers
• 14.5. Threat of Substitute Products

15. Competitive Landscape

• 15.1. Oscar Insurance Corporation
  • 15.1.1. Business Overview
  • 15.1.2. Products & Services
  • 15.1.3. Recent Developments
  • 15.1.4. Key Personnel
  • 15.1.5. SWOT Analysis
• 15.2. Root Inc.
• 15.3. Doma Holdings, Inc.
• 15.4. Clover Health Investments Corp
• 15.5. Policybazaar Insurance Brokers Private Limited
• 15.6. Trov Insurance Solutions, LLC
• 15.7. ZhongAn Online P&C Insurance Co. Ltd.
• 15.8. Acko General Insurance Limited
• 15.9. Apollo Insurance Solutions Ltd
• 15.10. Prudential Financial, Inc.

16. Strategic Recommendations

17. About Us & Disclaimer