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市場調查報告書

Insurtech:細分分析,市場發展,未來預測(2021-2025)

Insurtech: Segment Analysis, Market Evolution & Forecasts 2021-2025

出版商 Juniper Research Ltd 商品編碼 995063
出版日期 內容資訊 英文
商品交期: 最快1-2個工作天內
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Insurtech:細分分析,市場發展,未來預測(2021-2025) Insurtech: Segment Analysis, Market Evolution & Forecasts 2021-2025
出版日期: 2021年02月28日內容資訊: 英文
簡介

本報告分析了全球保險技術市場的最新趨勢和未來前景,包括保險行業的基本結構,保險技術市場變化的方向,機遇和挑戰以及主要公司的概況,我們將為您提供信息,例如戰略發展狀況,市場規模(保險費)趨勢展望(到2025年)以及按地區(總共8個地區)和細分市場的詳細趨勢。

目錄

第1章分析概述和戰略建議

第2章InsurTech市場形勢展望

  • 簡介
  • 保險科技成功的原因
    • 客戶體驗(CX)模型
    • 如何通過InsurTech改善CX
    • InsurTech是否正在上升?
      • 案例研究:檸檬水
  • 保險技術表格
    • 聊天機器人
    • 人工智能(AI)
    • InsurTech平台
  • 保險科技的次要影響
    • 數據價值
    • 遠程信息處理
      • 案例研究:活力
    • 減少間接費用
    • 法規
  • 現場分析
    • 新的冠狀病毒感染(COVID-19)
    • 汽車保險
      • 從擁有到使用
      • 從農村到城市的遷移
      • 先進的車輛技術
    • 醫療保險
      • 當前未投保的客戶
      • 數字處理
      • 其他重要因素
    • 旅遊保險
      • 客戶服務
      • 保險產品選擇
    • 家庭保險
      • 保險費增加
      • 擴大客戶群
      • 智能家居設備
    • 人壽保險
      • 區域差異
      • 經濟波動

第3章保險公司成熟度指數

  • 現有保險公司的就緒指數
    • 成熟度指標的評估標準和約束
    • 成熟度指數得分:全球保險公司概述
    • 位置指數:摘要

第4章InsurTech的競爭狀況和排行榜

  • 供應商分析和排行榜
    • 簡介
    • 利益相關者評估標準
  • InsurTech公司:概述
    • Guidewire
    • Octo Telematics
    • Duck Creek Technologies
    • FINEOS
    • Webfleet Solutions
    • wefox Group
    • The Floow
    • FRISS
    • Zendrive
    • Snapsheet
    • Tractable
    • Shift Technology
    • Roost
    • Quantemplate
    • Hi Marley
    • omni:us
    • Clara Analytics
    • Digital Fineprint
    • Blink Innovation
    • Slice Labs
    • SPIXII

第5章InsurTech市場預測

  • 簡介
  • 分析方法和前提條件
  • 全球保險市場預測
    • 全球市場:保險費的趨勢
    • 數字渠道保費收入
    • InsurTech保費收入
    • InsurTech高級收入:人工智能(AI)系統生成
    • 人工智能(AI)減少了投保時的總成本
  • 消費者遠程信息處理預測
    • 基於遠程信息處理的保費
    • 車險保費:由AI承保系統承保
  • 家庭保險預測
    • 家庭保險費:由InsurTech承保
    • 家庭保險費:通過AI承保系統承保
  • 人壽保險預測
    • 人壽保險費:由InsurTech承保
    • 人壽保險費:通過AI承保系統承保
  • 醫療保險預測
    • 醫療保險費:由InsurTech承保
    • 醫療保險費:AI承保系統承保

要分析的國家

  • 澳大利亞
  • 巴西
  • 加拿大
  • 中國
  • 丹麥
  • 法國
  • 德國
  • 印度
  • 日本
  • 墨西哥
  • 荷蘭
  • 挪威
  • 葡萄牙
  • 沙特阿拉伯
  • 韓國
  • 西班牙
  • 瑞典
  • 英國
  • 美國

引用公司

  • 案例研究目標案例:Lemonade、Vitality
  • uniper Research Insurtech Readiness Index目標公司: Aetna、Allianz SE、Anthem、Assicurazioni Generali SpA、AXA SA、Berkshire Hathaway、Centene Corporation、China Life Insurance、Dai-ichi Life Holdings、Humana、Kaiser Permanente、Life Insurance Corporation of India、Munich Re、Nippon Life Insurance Company、People's Insurance Company of China、Ping An Insurance、Prudential、State Farm Group、Tokio Marine Holdings、UnitedHealth Group
  • Juniper Research Leaderboardソ對像企業: Blink Innovation、Clara Analytics、Digital Fineprint、Duck Creek Technologies、FINEOS、FRISS、Guidewire、Hi Marley、Octo Telematics、omni:us、Quantemplate、Roost、Shift Technology、Slice Labs、Snapsheet、SPIXII、The Floow、Tractable、Webfleet Solutions、wefox、Zendrive.
  • 本文中提到的公司: Accel、Accenture、Acko、ActiveHealth Management、Admiral Seguros Banks、Ageas、AIG、Alaska National Insurance、Ambetter、AME Cloud Ventures、American Well、AmTrust、Amwell、Anthemis Group、Aon、Apache Kafka、Apax Partners、Apixio、Appalachian Underwriters、Apple、Armed Forces Insurance、Assurance IQ、Aviva Ventures、AXIS Capital、Babylon Health、Baidu、Bain Capital Venture、Bajaj Allianz Life Insurance、BC Platforms、Bessemer Venture Partners、BiBERK、BMW、Bridgestone Europe、Bullingdon Capital、BUPA、Can Serter、Centauri Insurance、Change Healthcare、CNA Financial Corporation、Cognizant、Columbia Lake Partners、Comet Labs、Confluent Cloud 、Covea、Coverfox、Coverys、CPPGroup、Credit Agricole Pacifica、Curo Health Services、DataCede、DCM Ventures、DEVK、DXC Technology、Elephant Insurance、Elexa、EOS Venture Partners、ETInsure、European Innovation Council、Eviid、Evry、Expression Insurance、F&G、Farmers Protective Mutual Insurance Company、Fitbit、Focum、Force Over Mass Capital、F-Prime Capital、General Catalyst、General Insurance Association of Singapore、Generali Osiguranje Srbija、Georgian、Ginger、Global Investors Americas 、Greenspring Associates、Grupo Sura、Guidewire、HardGamma、HDI、Heal、HiRoad、Hiscox、Horizons Ventures、HSB Ventures、IA Capital Group、IBM Watson Health、Ignition Partners、Inpathy、Inshur、Insight Catastrophe Group、Insight Partners、InsureFirst、Iris Capital、JetBlue Technology Ventures、Kenko Nenrei (Health Age)、Keylane、Kindred Healthcare、Liberty Mutual、Lightbank、Limelight、MACIF、Magellan Health、Magnolia Health、Mansutti SpA、MassChallenge、Medloop、Mercedes-Benz、MetLife、Michael Schmitt、Mini、MMC Ventures、MS&AD Insurance Group、Mubadala Capital、Nationale-Nederlanden、Nationwide、Nauto、Nebraska Total Care、Neos Smart Home Insurance、NLI Strategic Venture Investment Fund、OMERS Ventures、ONE、Outline Systems、PANTHERx、Paytm、Pentech Ventures、PICC (People's Insurance Group of China)、Plug and Play、Praedicat、PURE、QBE、QInsure、Qualitas、Quantemplate、Relayr、Renova Holdings、Rhion Digital、RiskStream Collaborative、Route 66 Ventures、Royal Philips、RPM Ventures、RxAdvance、Salesforce Ventures、Sapiens、SAS、Selective、Signal Iduna、Simplesurance、SOMPO、Spirica、Startupbootcamp、StoneCo、Sure Ventures、Swiss Re、Talis Capital、Target Global、Techstars、The Co-operators、Ticker、Tictrac、Tieto、Tola Capital、Trasamerica Ventures、Trexis Insurance、TRISTAR、Trov、True Ventures、Unbound、Underscore VC、Underscore VC、UnipolSai、UNIQA Ventures GmbH、United Fire Group、United Imaging Healthcare、UniteUs、USAA、Utica National Insurance Group、Valuta Capital Partners、Ventures、Ventures Europe、Veronorte、Via Verde、Viola Fintech、Willis Tower Watson、Woop、Workit Health、Wysa、XL Innovate、Zetta Venture Partners、Zurich
目錄

Juniper Research's new “Insurtech” research report is a critical assessment of the imminent increased influence that technology will play in the insurance industry. After outlining which technologies are the most widely used and developed, the report analyses in depth the transformative effect these products are having on traditional insurance business practices. The market is examined from both a holistic and segment-by-segment approach, with individual analysis corresponding exclusively to the following segments:

  • Motor Insurance
  • Home Insurance
  • Life Insurance
  • Health Insurance

The report also analyses vendors operating within the market, with separate analysis differentiating established traditional insurance providers and digitally native insurtech providers. Traditional providers are assessed on their overall readiness to manage the transition to an insurtech-driven insurance landscape, with accompanying analysis. Digitally native providers are assessed on the quality of their offerings and disruptive potential. The report is also accompanied by extensive market forecasts that outline the opportunity for insurtech adoption.

This research suite comprises:

  • Strategy & Forecasts (PDF)
  • 5-Year Deep Dive Data & Forecasting (PDF/IFxl)
  • 12 months' access to harvest online data platform

KEY FEATURES

  • Extensive Vendor Analysis: 20 established insurers and 21 digitally native insurtech providers are considered in the two-part vendor analysis within the report; using a Juniper Research Leaderboard and Vendor Positioning Index respectively.
  • Insurtech Market Trends & Dynamics: The report assesses in depth the potential for insurtech, which trends have been driving its adoption, and what the impact of the pandemic has been on this dynamic sector.
  • Extensive Forecasting: Detailed forecast modelling predicting market growth up to 2025. Forecasts analyse the market both by insurance type and by sector, as well as comprehensive holistic market forecasts. The forecasts include the following 19 countries, as well as 8 key regions:
    • Australia
    • Brazil
    • Canada
    • China
    • Denmark
    • France
    • Germany
    • India
    • Japan
    • Mexico
    • Netherlands
    • Norway
    • Portugal
    • Saudi Arabia
    • South Korea
    • Spain
    • Sweden
    • UK
    • US

KEY QUESTIONS

  • 1. What specific impacts is insurtech expected to have on the insurance market, and in what way will the market landscape evolve in the coming years?
  • 2. What forms of insurtech are set to populate the market in the coming years, and what service do they offer that customers are currently lacking?
  • 3. How can established traditional insurance providers ready themselves for a giant shift in the market terrain, and which vendors are currently best placed to deal with the shift?
  • 4. What other features and factors are helping to fuel the transition towards insurtech, such as the increasing importance of emerging markets and social trends?
  • 5. How strong will insurtech become by 2025, in terms of revenue and market share?

COMPANIES REFERENCED

  • Case Studied: Lemonade, Vitality.
  • Included in Juniper Research Insurtech Readiness Index: Aetna, Allianz SE, Anthem, Assicurazioni Generali SpA, AXA SA, Berkshire Hathaway, Centene Corporation, China Life Insurance, Dai-ichi Life Holdings, Humana, Kaiser Permanente, Life Insurance Corporation of India, Munich Re, Nippon Life Insurance Company, People's Insurance Company of China, Ping An Insurance, Prudential, State Farm Group, Tokio Marine Holdings, UnitedHealth Group.
  • Included in Juniper Research Leaderboard: Blink Innovation, Clara Analytics, Digital Fineprint, Duck Creek Technologies, FINEOS, FRISS, Guidewire, Hi Marley, Octo Telematics, omni:us, Quantemplate, Roost, Shift Technology, Slice Labs, Snapsheet, SPIXII, The Floow, Tractable, Webfleet Solutions, wefox, Zendrive.
  • Mentioned: Accel, Accenture, Acko, ActiveHealth Management, Admiral Seguros Banks, Ageas, AIG, Alaska National Insurance, Ambetter, AME Cloud Ventures, American Well, AmTrust, Amwell, Anthemis Group, Aon, Apache Kafka, Apax Partners, Apixio, Appalachian Underwriters, Apple, Armed Forces Insurance, Assurance IQ, Aviva Ventures, AXIS Capital, Babylon Health, Baidu, Bain Capital Venture, Bajaj Allianz Life Insurance, BC Platforms, Bessemer Venture Partners, BiBERK, BMW, Bridgestone Europe, Bullingdon Capital, BUPA, Can Serter, Centauri Insurance, Change Healthcare, CNA Financial Corporation, Cognizant, Columbia Lake Partners, Comet Labs, Confluent Cloud , Covéa, Coverfox, Coverys, CPPGroup, Credit Agricole Pacifica, Curo Health Services, DataCede, DCM Ventures, DEVK, DXC Technology, Elephant Insurance, Elexa, EOS Venture Partners, ETInsure, European Innovation Council, Eviid, Evry, Expression Insurance, F&G, Farmers Protective Mutual Insurance Company, Fitbit, Focum, Force Over Mass Capital, F-Prime Capital, General Catalyst, General Insurance Association of Singapore, Generali Osiguranje Srbija, Georgian, Ginger, Global Investors Americas , Greenspring Associates, Grupo Sura, Guidewire, HardGamma, HDI, Heal, HiRoad, Hiscox, Horizons Ventures, HSB Ventures, IA Capital Group, IBM Watson Health, Ignition Partners, Inpathy, Inshur, Insight Catastrophe Group, Insight Partners, InsureFirst, Iris Capital, JetBlue Technology Ventures, Kenko Nenrei (Health Age), Keylane, Kindred Healthcare, Liberty Mutual, Lightbank, Limelight, MACIF, Magellan Health, Magnolia Health, Mansutti SpA, MassChallenge, Medloop, Mercedes-Benz, MetLife, Michael Schmitt, Mini, MMC Ventures, MS&AD Insurance Group, Mubadala Capital, Nationale-Nederlanden, Nationwide, Nauto, Nebraska Total Care, Neos Smart Home Insurance, NLI Strategic Venture Investment Fund, OMERS Ventures, ONE, Outline Systems, PANTHERx, Paytm, Pentech Ventures, PICC (People's Insurance Group of China), Plug and Play, Praedicat, PURE, QBE, QInsure, Qualitas, Quantemplate, Relayr, Renova Holdings, Rhion Digital, RiskStream Collaborative, Route 66 Ventures, Royal Philips, RPM Ventures, RxAdvance, Salesforce Ventures, Sapiens, SAS, Selective, Signal Iduna, Simplesurance, SOMPO, Spirica, Startupbootcamp, StoneCo, Sure Ventures, Swiss Re, Talis Capital, Target Global, Techstars, The Co-operators, Ticker, Tictrac, Tieto, Tola Capital, Trasamerica Ventures, Trexis Insurance, TRISTAR, Trov, True Ventures, Unbound, Underscore VC, Underscore VC, UnipolSai, UNIQA Ventures GmbH, United Fire Group, United Imaging Healthcare, UniteUs, USAA, Utica National Insurance Group, Valuta Capital Partners, Ventures, Ventures Europe, Veronorte, Via Verde, Viola Fintech, Willis Tower Watson, Woop, Workit Health, Wysa, XL Innovate, Zetta Venture Partners, Zurich.

DATA & INTERACTIVE FORECAST

Juniper Research's “Insurtech” forecast suite includes:

  • Forecast splits for 8 key regions, as well as 19 country-level data, splits for:
    • Australia
    • Brazil
    • Canada
    • China
    • Denmark
    • France
    • Germany
    • India
    • Japan
    • Mexico
    • Netherlands
    • Norway
    • Portugal
    • Saudi Arabia
    • South Korea
    • Spain
    • Sweden
    • UK
    • US
  • Forecasts, including splits across four insurance segments and related to the market as a whole. Forecasts relate to:
    • Insurtech Assisted Underwriting Revenue
    • AI Assisted Underwriting Revenue
    • Digital Platform Revenue
    • AI-driven Gross Premiums Savings
    • Telematics-based Premiums Revenue
  • Interactive Scenario Tool allowing users to manipulate Juniper Research's data for 10 different metrics.
  • Access to the full set of forecast data of 135 tables and more than 27,500 datapoints.

Juniper Research's highly granular IFxls (interactive Excels) enable clients to manipulate our forecast data and charts to test their own assumptions, by using the Interactive Scenario Tool, and compare select markets side by side in customised charts and tables. IFxls greatly increase the clients' ability to both understand a particular market and to integrate their own views into the model.

Table of Contents

1. Key Takeaways & Strategic Recommendations

  • 1.1 Key Takeaways
  • 1.2 Strategic Recommendations

2. Insurtech Market Landscape

  • 2.1 Introduction
  • 2.2 Why Is Insurtech Doing so Well?
    • 2.2.1 The Customer Experience Model
    • 2.2.2 How Does Insurtech Improve the Customer Experience?
    • 2.2.3 Is Insurtech a Phase?
      • i. Case Study: Lemonade
  • 2.3 The Forms of Insurtech
    • 2.3.1 Chatbots
    • 2.3.2 Artificial Intelligence
    • 2.3.3 Insurtech Platforms
  • 2.4 Secondary Impacts of Insurtech
    • 2.4.1 The Value of Data
    • 2.4.2 Telematics
      • i. Case Study: Vitality
    • 2.4.3 Reduced Overheads
    • 2.4.4 Regulation
  • 2.5 Sector Analysis
    • 2.5.1 COVID-19
    • 2.5.2 Motor Insurance
      • i. Ownership over Usage
      • ii. Rural to Urban Migration
      • iii. Advanced Vehicle Technology
        • Figure 2.1: Total Vehicles with Autonomous Vehicle Capabilities (m), 2020-2025, Split by 8 Key Regions
    • 2.5.3 Health Insurance
      • i. Recently Uninsured Customers
      • ii. Digital Therapeutics
      • iii. Other Key Factors
    • 2.5.4 Travel Insurance
      • i. Customer Care
      • ii. Breadth of Policy
    • 2.5.5 Home Insurance
      • i. Rising Premiums
      • ii. An Expanding Customer Base
      • iii. Smart Home Devices
    • 2.5.6 Life Insurance
      • i. Geographic Variation
      • ii. Economic Variation

3. Insurer Readiness Index

  • 3.1 Incumbent Insurer Readiness Index
    • 3.1.1 Criteria for Readiness Index & Limitations
      • Table 3.1: Insurtech Readiness Score Criteria Definitions
      • Table 3.2: Insurtech Readiness Index Scores
      • Table 3.3: Insurtech Readiness Index - Phased Evolution Model
    • 3.1.2 Readiness Score Index: Global Insurer Summary
      • Figure 3.4: Juniper Research Insurer Insurtech Readiness Index 2021
    • 3.1.3 Positioning Index Commentary
      • i. Evolve Phase
      • ii. Mature Phase
      • iii. Focus Phase
      • iv. Establish Phase
      • v. Inception Phase

4. Insurtech Competitive Landscape & Leaderboard

  • 4.1 Vendor Analysis & Leaderboard
    • 4.1.1 Introduction
    • 4.1.2 Stakeholder Assessment Criteria
      • Table 4.1: Insurtech Player Capability Criteria
      • Figure 4.2: Insurtech Vendor Leaderboard
      • Figure 4.3: Insurtech Leaderboard Scoring
  • 4.2 Insurtech Player Commentary
    • i. Guidewire
      • Table 4.2: Guidewire's Financial Performance ($m), 2017-2020
    • ii. Octo Telematics
    • iii. Duck Creek Technologies
    • iv. FINEOS
    • v. Webfleet Solutions
    • vi. wefox Group
      • Table 4.3: WeFox Funding Rounds
    • vii. The Floow
      • Table 4.4: The Floow Funding Rounds
    • viii. FRISS
      • Table 4.5: FRISS Funding Rounds
    • ix. Zendrive
      • Table 4.6: Zendrive Funding Rounds
    • x. Snapsheet
      • Table 4.7: Snapsheet Funding Rounds
    • xi. Tractable
      • Table 4.8: Tractable Funding Rounds
    • xii. Shift Technology
      • Table 4.9: Shift Technology Funding Rounds
    • xiii. Roost
      • Table 4.10: Roost Funding Rounds
    • xiv. Quantemplate
      • Table 4.11: Quantemplate Funding Rounds
    • xv. Hi Marley
      • Table 4.12: Hi Marley Funding Rounds
    • xvi. omni:us
      • Table 4.13: omni:us Funding Rounds
    • xvii. Clara Analytics
      • Table 4.14: Clara Analytics Funding Rounds
    • xviii. Digital Fineprint
      • Table 4.15: Digital Fineprint Funding Rounds
    • xix. Blink Innovation
    • xx. Slice Labs
      • Table 4.16: Slice Labs Funding Rounds
    • xxi. SPIXII

5. Insurtech Market Forecasts

  • 5.1 Introduction
  • 5.2 Methodology & Assumptions
    • Figure 5.1: Insurance Market and Insurtech Forecast Methodology
    • Figure 5.2: Consumer Telematics Forecast Methodology
  • 5.3 Global Insurance Market Forecasts
    • 5.3.1 Global Market for Insurance Premiums
      • Figure & Table 5.4: Total Value of Home Insurance Premiums Underwritten by Insurtech ($m), Split by 8 Key Regions, 2020-2025
    • 5.3.2 Digital Channels Premium Revenue
      • Figure & Table 5.5: Total Value of Digital Channel Premiums ($m), Split by 8 Key Regions, 2020-2025
    • 5.3.3 Insurtech Premiums
      • Figure & Table 5.6: Total Value of Insurtech Platform Premiums ($m), Split by Key Regions, 2020-2025
    • 5.3.4 Insurtech Premiums Generated by AI Systems
      • Figure & Table 5.7: Total Value of AI-Generated Premiums ($m), Split by 8 Key Regions 2020-2025
    • 5.3.5 AI Gross Cost Savings in Claims
      • Figure & Table 5.8: Total Value of AI Gross Savings in Claims ($m), Split by Insurance Type, 2020-2025
  • 5.4 Consumer Telematics Forecasts
    • 5.4.1 Telematics-based Premiums
      • Figure & Table 5.9: Total Annual Cost of Telematics-Based Insurance per annum ($m), Split by 8 Key Regions, 2020-2025
    • 5.4.2 Motor Insurance Premiums Underwritten by AI Underwriting Systems
      • Figure & Table 5.10: Total Value of AI-Underwritten Motor Insurance Premiums ($m), Split by 8 Key Regions, 2021-2025
  • 5.5 Home Insurance Forecasts
    • 5.5.1 Home Insurance Premiums Underwritten by Insurtech
      • Figure & Table 5.5.1: Total Value of Home Insurance Premiums Underwritten by Insurtech ($m), Split by 8 Key Regions, 2020-2025
    • 5.5.2 Home Insurance Premiums Underwritten by AI Underwriting Systems
      • Figure & Table 5.11: Total Value of Home Insurance Premiums Underwritten by AI Systems ($m), Split by 8 Key Regions, 2020-2025
  • 5.6 Life Insurance Forecasts
    • 5.6.1 Life Insurance Premiums Underwritten by Insurtech
      • Figure & Table 5.12: Total Value of Home Insurance Premiums Underwritten by Insurtech ($m), Split by 8 Key Regions, 2020-2025
    • 5.6.2 Life Insurance Premiums Underwritten by AI Underwriting Systems
      • Figure & Table 5.13: Total Value of Life Insurance Premiums Underwritten by AI Systems ($m), Split by 8 Key Regions, 2020-2025
  • 5.7 Health Insurance Forecasts
    • 5.7.1 Health Insurance Premiums Underwritten by Insurtech
      • Figure & Table 5.14: Total Value of Health Insurance Premiums Underwritten by Insurtech ($m), Split by 8 Key Regions, 2020-2025
    • 5.7.2 Health Insurance Premiums Underwritten by AI Underwriting Systems
      • Figure & Table 5.15: Total Value of Health Insurance Premiums Underwritten by AI Systems ($m), Split by 8 Key Regions, 2020-2025