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Insurtech (インシュアテック) :コスト削減、保険会社の準備、市場予測

Insurtech: Cost Savings, Insurer Readiness & Market Forecasts 2018-2023

発行 Juniper Research 商品コード 562758
出版日 ページ情報 英文
納期: 即日から翌営業日
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Insurtech (インシュアテック) :コスト削減、保険会社の準備、市場予測 Insurtech: Cost Savings, Insurer Readiness & Market Forecasts 2018-2023
出版日: 2018年08月21日 ページ情報: 英文
概要

当レポートでは、新興のInsurtech (インシュアテック) 市場について調査分析し、市場予測と動向分析に焦点を当てて、体系的な情報を提供しています。

第1章 要点と戦略的提言

第2章 InsurTech市場情勢

  • イントロダクション
  • 市場概要
  • InsurTech技術
    • AI
    • IoT
    • スマートフォンアプリ
    • クラウドプラットフォーム
    • ブロックチェーン
    • ビッグデータ
  • 保険セグメントとInsurTech
    • 自動車保険/テレマティクス
    • 住宅/損害保険
    • 生命保険
    • 医療保険
    • 貿易信用保険
    • 旅行保険
    • 保険仲介業
  • InsurTechビジネスモデル分析
    • ダイレクト保険
    • P2P (ピアツーピア) 保険
    • 保険サポートサービス
  • InsurTech主要促進要因・抑制要因
    • 主要動向
    • 主要抑制要因

第3章 保険会社による準備指数

  • 現在の保険会社による準備指数

第4章 InsurTech競合情勢とリーダーボード

  • ベンダー分析とリーダーボード
  • InsurTech企業のコメント

第5章 InsurTech市場予測

  • イントロダクション
  • 調査手法と前提条件
  • 世界の保険市場の予測
  • 消費者向けテレマティクスの予測
  • 住宅保険の予測
  • 生命保険の予測
  • 医療保険の予測
目次

Overview

Our new ‘Insurtech ’ research is an essential assessment of the emerging insurtech market; offering stakeholders a crucial set of comprehensive market projections and trend analysis.

The research provides a detailed assessment of how new technologies are being used in the insurance space, including the development of blockchain-based solutions and AI for claims management. It also analyses the extent to which the top insurers in the world have begun to adapt their business models by leveraging insurtech. The research gives particular focus to the technology providers who are creating tools for digital transformation in the insurance space and the business models they use.

The research covers:

  • Car Insurance/Telematics
  • Home Insurance
  • Life Insurance
  • Health Insurance
  • Trade Credit Insurance
  • Travel Insurance
  • Insurance Broking

The research includes:

  • Market Trends & Opportunities (PDF)
  • 5 Year Market Sizing & Forecast Spreadsheet (PDF & Excel)

Key Features

  • Market Dynamics: Provides an extensive evaluation of the insurtech ecosystem, covering the following elements:
    • Analysis of each segment of insurance; how it is being, and will be, disrupted by the introduction of insurtech.
    • Evaluation of insurtech prospects across key global regions examining economics, current insurance market, regulatory landscape and key factors likely to drive future growth.
    • Discussion of each technology that will be used in insurtech and what its prospects are for future traction.
    • Identification of key trends and constraints for insurtech growth.
  • Insurer Readiness Index: Index positioning for each of the top 20 insurers in the world on their digital transformation efforts, fuelled by insurtech approaches. This is a crucial resource for established insurers and new insurtech vendors.
  • Benchmark Industry Forecasts: Forecasts across insurance segments for the number of insurtech-based premiums, policies underwritten with AI and claims assessment using AI systems. This covers the following segments:
    • Car Insurance/Telematics
    • Home Insurance
    • Life Insurance
    • Health Insurance
  • Juniper Leaderboard: 15 leading insurtech vendors compared, scored and positioned on the Juniper Leaderboard, including:
    • Octo Telematics
    • Roost
    • The Floow
    • Snapsheet
    • Guidewire
    • FINEOS
    • FRISS
    • TomTom Telematics
    • Digital Fineprint
    • Quantemplate
    • Clara Analytics
    • Planck Re
    • Slice Labs
    • Tractable
    • Zendrive

Key Questions

  • 1. What will the insurtech market be worth over the next 5 years?
  • 2. How and to what extent will insurtech players disrupt the insurance market?
  • 3. Which segments of the insurance market are most ripe for disruption?
  • 4. What challenges do insurers face in adapting to new technologies and how are they dealing with these?
  • 5. Which regional issues will affect adoption of insurtech worldwide?

Companies Referenced

  • Case Studied: CRiskCo, IOLO, Oscar Health, The Institutes RiskBlock Alliance, Vitality.
  • Included in Juniper Leaderboard: Clara Analytics, Digital Fineprint, FINEOS, FRISS, Guidewire, Octo Telematics, Planck Re, Quantemplate, Roost, Slice Labs, Snapsheet, The Floow, TomTom Telematics, Tractable, Zendrive.
  • Included in Insurer Readiness Index: AIA Group, Allianz, Allstate, Assicurazioni Generali, Aviva, AXA Group, China Life, China Pacific, Chubb, Dai-Ichi Life Insurance Company, Legal & General, Manulife, MetLife, Munich Re, Ping An Insurance Group, Prudential, Swiss Re, Tokio Marine Holdings, UnitedHealth Group, Zurich Insurance Group.
  • Mentioned: AbleTo, Accenture, Ageas, Alaska National Insurance Company, American Well, AON, Apple, Atradius, BIMA, Biofourmis, Biovotion, BMW, Breast Cancer Research Foundation, Bunker, Cineworld, CIRC (China Insurance Regulatory Commission), CMS (Centre for Medicare & Medicaid Services), CNP Assurances, Coface, Cognizant, CoverWallet, DiDi Chuxing, Digital Insurance Group, Direct Line Insurance, Euler Hermes, Evans Cycles, Evry, Expression Insurance, Farmers Alliance, Focum, Ford, Friendsurance, FSA (Financial Services Agency of the Japanese Government), Fukoku Mutual Life Insurance, Hiscox, IBM, IHC Risk Solutions, John Hancock, Keylane, Lemonade, Liberty Mutual, Metromile, Mitchell, MyDrive Solutions, NAIC (National Association of Insurance Commissioners), Neos, Next Insurance, North Face, Ocado, OECD, Plug and Play Insurtech, QBE, Renova Group, Robin Hood Foundation, Selective, Signal Iduna, Simplesurance, Slice Labs, Sompo Japan Nipponkoa Insurance, Teach for America, The Co-operators, Tieto, Trov, USAA, Virgin, Vouch Insurance, Vu, VW, Willis Towers Watson, Woop, XL Catlin

Data & Interactive Forecast

Juniper's ‘Insurtech ’ forecast suite includes:

  • Country level data splits for:
    • Canada
    • UK
    • US
    • France
    • Germany
    • Brazil
    • Mexico
    • Plus 8 key global regions
  • Data splits by insurance segment:
    • Global Insurance Market
    • Car Insurance
    • Home Insurance
    • Life Insurance
    • Health Insurance
  • Interactive Scenario tool allowing the user the ability to manipulate Juniper's data for 12 different metrics.
  • Access to the full set of forecast data of 129 tables and over 15,480 datapoints.

Juniper Research's highly granular interactive Excels enable clients to manipulate Juniper's forecast data and charts to test their own assumptions and compare markets side by side in customised charts and tables. IFxls greatly increase 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
    • Figure 1.1: Insurtech Market Summary, 2023
  • 1.2. Strategic Recommendations

2. Insurtech Market Landscape

  • 2.1. Introduction
  • 2.2. Market Overview
    • 2.2.1. The Global Insurance Market
      • Figure 2.1: Insurance Spending as a Proportion of GDP (%) Selected Countries, 2011-2016
      • Table 2.2: Forbes 2000 Top 10 Diversified Insurers
      • Figure 2.3: Ping An Revenues ($m) 2013-2017
    • 2.2.2. Key Regional Insurance Markets
      • i. North America
        • Figure 2.4: Combined Ratio at 4 Leading US Insurers, (%), All Lines, 2013-2016
        • Case Study: Oscar Health
      • ii. West Europe
        • Figure 2.5: Real GDP Growth Rate (%), EU & Selected Countries, 2010-2017
        • Figure 2.6: Allianz Gross Premiums Written ($m), 2013-2017
      • iii. Far East & China
        • Figure 2.7: Real GDP Growth (%), Far East & China, Selected Countries, 2010-2017
  • 2.3. Insurtech Technologies
    • Figure 2.8: Insurtech Technological Landscape
    • 2.3.1. AI (Artificial Intelligence)
      • Figure 2.9: AI in Insurance Applications
      • i. Chatbots
    • 2.3.2. IoT
    • 2.3.3. Smartphone Apps
    • 2.3.4. Cloud Platforms
    • 2.3.5. Blockchain
      • Case Study: The Institutes RiskBlock Alliance
    • 2.3.6. Big Data
  • 2.4. Insurance Segments & Insurtech
    • 2.4.1. Car Insurance/Telematics
      • i. Underwriting
        • Figure 2.10: Stages of a Post-incident Claim Enabled by Telematics
      • iv. Barriers to Implementation
      • v. Future Outlook
    • 2.4.2. Home/Property Insurance
      • i. Challenges to Adoption
      • ii. Future Outlook
    • 2.4.3. Life Insurance
      • i. Future Outlook
        • Case Study: Vitality Life Insurance Rewards
    • 2.4.4. Health Insurance
      • i. Future Outlook
    • 2.4.5. Trade Credit Insurance
      • i. Future Outlook
        • Case Study: CRiskCo
    • 2.4.6. Travel Insurance
      • i. Future Outlook
    • 2.4.7. Insurance Broking
      • i. Future Outlook
        • Case Study: IOLO
  • 2.5. Insurtech Business Model Analysis
    • 2.5.1. Direct Insurance
      • i. Assessment of Approach
    • 2.5.2. P2P (Peer-to-Peer) Insurance
      • Figure 2.11: P2P Insurance Model
      • i. Assessment of Approach
    • 2.5.3. Insurance Support Services
      • i. Assessment of Approach
  • 2.6. Insurtech Key Drivers & Constraints
    • 2.6.1. Key Trends
    • 2.6.2. Key Constraints

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: Insurer Insurtech Readiness Index 2018
      • i. Evolve Phase
      • ii. Mature Phase
      • iii. Focus Phase
      • iv. Establish Phase
      • v. Inception Phase
        • Table 3.3: Insurtech Readiness Index

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
      • Table 4.3. Insurtech Leaderboard Scoring
    • 4.1.3. Limitations & Interpretation
  • 4.2. Insurtech Player Commentary
    • 4.2.1. Established Leaders
    • 4.2.2. Leading Challengers
    • 4.2.3. Disruptors & Emulators

5. Insurtech Market Forecasts

  • 5.1. Introduction
  • 5.2. Methodology & Assumptions
    • Figure 5.1: Insurance Market & Insurtech Forecast Methodology
    • Figure 5.2: Consumer Telematics Market Forecast Methodology
    • Figure 5.3: Home, Life & Health Insurance Forecast Methodology
  • 5.3. Global Insurance Market Forecasts
    • 5.3.1. Global Market for Insurance Premiums
      • Figure & Table 5.4: Global Market for Insurance Premiums ($bn), Split by 8 Key Regions 2018-2023
    • 5.3.2. Digital Channels Premium Revenue
      • Figure & Table 5.5: Insurance Premium Revenues Generated via Digital Channels ($m) Split by 8 Key Regions 2018-2023
    • 5.3.3. Insurtech Premiums
      • Figure & Table 5.6: Total Digital Insurance Premiums Generated by Insurtech Platforms ($m) Split by 8 Key Regions 2018-2023
    • 5.3.4. Insurtech Premiums Generated by AI Systems
      • Figure & Table 5.7: Total Insurtech Premiums Generated by AI Systems ($m) Split by 8 Key Regions 2018-2023
    • 5.3.5. AI Gross Cost Savings in Claims
      • Figure & Table 5.8: Total Insurtech Premiums Generated by AI Systems ($m) Split by 8 Key Regions 2018-2023
  • 5.4. Consumer Telematics Forecasts
    • 5.4.1. Revenues for Insurance Telematics Providers
      • Figure & Table 5.9: Hardware & Installation Revenue for Insurance Telematics Providers ($m) Split by 8 Key Regions 2018-2023
    • 5.4.2. Motor Insurance Premiums Underwritten by AI Underwriting Systems
      • Figure & Table 5.10: Total Value of Motor Insurance Premiums Underwritten by AI Underwriting Systems ($m) Split by 8 Key Regions 2018-2023
  • 5.5. Home Insurance Forecasts
    • 5.5.1. Home Insurance Premiums Written via Insurtech
      • Figure & Table 5.11: Total Value of Home Insurance Premiums Written via Insurtech ($m) Split by 8 Key Regions 2018-2023
    • 5.5.2. Home Insurance Premiums Underwritten by AI Underwriting Systems
      • Figure & Table 5.12: Total Cost Saving Assessing Home Insurance Claims via AI ($m) Split by 8 Key Regions 2018-2023
  • 5.6. Life Insurance Forecasts
    • 5.6.1. Life Insurance Premiums Written via Insurtech
      • Figure & Table 5.13: Total Cost of Life Insurance Premium Issued via Insurtech ($m) Split by 8 Key Regions 2018-2023
    • 5.6.2. Life Insurance Premiums Underwritten by AI Underwriting Systems
      • Figure & Table 5.14: Total Value of Life Insurance Premiums Underwritten by AI Underwriting Systems ($m) Split by 8 Key Regions 2018-2023
  • 5.7. Health Insurance Forecasts
    • 5.7.1. Health Insurance Premiums Written via Insurtech
      • Figure & Table 5.15: Total Health Insurance Premiums Issued via Insurtech ($m) Split by 8 Key Regions 2018-2023
    • 5.7.2. Health Insurance Premiums Underwritten by AI
      • Figure & Table 5.16: Total Value of Health Insurance Premiums Underwritten by AI Underwriting Systems ($m) Split by 8 Key Regions 2018-2023
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