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市場調査レポート
商品コード
1761517
組み込み型保険の世界市場:保険タイプ・流通チャネル・エンドユーザー・地域別の機会および予測 (2018-2032年)Global Embedded Insurance Market Assessment, By Insurance Type, By Distribution Channel, By End-user, By Region, Opportunities and Forecast, 2018-2032F |
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組み込み型保険の世界市場:保険タイプ・流通チャネル・エンドユーザー・地域別の機会および予測 (2018-2032年) |
出版日: 2025年07月03日
発行: Markets & Data
ページ情報: 英文 221 Pages
納期: 3~5営業日
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世界の組み込み型保険の市場規模は、急速に進化するデジタル金融・消費者エコシステムにおいて、安全でパーソナライズされた摩擦のない保護体験を求める消費者の期待が高まり、2024年の1,624億5,000万米ドルから、2032年には4,056億8,000万米ドルに増加し、予測期間中はCAGR 12.12%を記録すると予測されています。
世界的な成長は、特定の文脈における保険商品の加入とシームレスな保険提供の普及によって支えられています。また、利用時点でのポイント・オブ・ユースの保険加入も促進要因の一つとなっています。さらに、公平性や顧客中心、透明性を重視する規制強化の動きも、保険における包摂性や多様性の重要性を高めており、十分な補償を受けていない層への対応が進められています。保険会社や企業は、従来の保険販売やチャネル、独立型の保険商品から脱却し、組み込み型のライフスタイルの構築に向かっています。これにより、保険はeコマースのチェックアウト、車両取引、旅行予約など、日常の顧客体験の中に自然に組み込まれ、世界的な市場成長を後押ししています。
現在、組み込み型保険の市場は、消費者体験におけるシームレスで文脈に即した保険ニーズの高まりによって急成長しています。消費者の期待はますます変化しており、特にデジタルネイティブな消費者が台頭してきていることに加え、eコマース小売業者、旅行プラットフォーム、金融アプリなどのプラットフォームや有料サービスプロバイダーが、中核となる体験に保険を組み込む意欲を高めていることが、ますます関連性が高まっているあらゆる種類の消費者行動に保険を組み込むことを後押ししています。さらに根本的には、デジタル優先型の保険ビジネスモデル(契約時の保険、従量課金、レイヤードカバレッジなど)を支援する世界的な規制の近代化や、APIのパートナーシップエコシステムの発展も、こうした変革を後押ししています。その結果、保険の提供は従来の販売チャネルから、プラットフォームベースエコシステムベースのビジネスモデルへと自然にシフトしつつあります。
当レポートでは、世界の組み込み型保険の市場を調査し、市場の定義と概要、市場規模の推移・予測、各種区分別の詳細分析、ケーススタディ、市場成長への影響因子の分析、競合情勢、主要企業のプロファイルなどをまとめています。
Global embedded insurance market is projected to register a CAGR of 12.12% in the forecast period 2025-2032, increasing from USD 162.45 billion in 2024 to USD 405.68 billion in 2032F, driven by the expectations of consumers increasingly seeking secure, personalized and frictionless protection experiences in a rapidly evolving digital financial and consumer ecosystem. Global growth will be driven by several core factors, including the widespread adoption of defined context and frictionless product purchasing, coupled with point-of-use insurance delivery. Additionally, increased regulatory focus on fair, client-centric, and transparent coverage underpins the need for inclusion and diversity across underinsured and underserved segments. Furthermore, industries and ecosystems are evolving as insurers and businesses move away from traditional insurance sales, channels, and markets, including standalone insurance, to build embedded lifestyles. This ensures insured products become part of customers' journeys and experiences, whether in e-commerce checkouts, automotive transactions, or travel bookings, driving the global embedded insurance market growth in the forecast period.
The global embedded insurance market is booming due to the increased demand for seamless, contextual, and frictionless insurance that defines consumer journeys today. Increasingly changing consumer expectations, and especially for the emerging digital-native consumers, together with the increasing willingness of platforms and fee-based service provider (such as e-commerce retailers, travel platforms, and financial apps) to embed insurance into core experiences, is helping the embedded immersion of insurance in all sorts of increasingly relevant consumer engagements. More fundamentally, the worldwide modernizing of regulations supporting digital-first insurance business models (like cover for sign-up, pay-as-you-go, or layered cover) and API-like partnership ecosystems. Thus, beginning is a natural shift from the traditional distribution model to platform-based, ecosystem business models.
In August 2024, the dtx company (Flowcode) and REIN Technologies (US) Inc teamed up to modernize embedded insurance in offline to online commerce (o2o). The Flowcode QR tech, infused with Rein's digital insurance APIs, allows relevant instant coverage options with AI-linked insights as information-based prompts, at the point of engagement, showing the naturally increasing role of contextual protection in everyday life.
Platform-Based Distribution is Driving the Growth of the Embedded Insurance Market
Embedded insurance benefits from delivering insurance through third-party digital experiences to avoid traditional insurance distribution hurdles. With a fundamental change in distribution, the way customers are buying and engaging with insurance is being disrupted. Platforms such as BNPL apps, ride-sharing platforms, and neobanks are enabling insurers to offer customized micro-policies based on specific consumer events, which allow insurers to customize their offers. The scalability of embedded offerings also allows insurers to reach previously underserved market segments and customer populations. Digital-native consumers, in general, have demanded transparency, convenience, and customization in insurance offerings, all of which can be achieved with the embedded model more easily than traditional agents or brokers could ever provide.
In March 2025, Japan launched its first BNPL embedded insurance scheme from Smartpay in partnership with Chubb Group of Insurance Companies to provide real-time insurance coverage at the point of payment. Customers using Smartpay's platform can now choose the option to "opt in" to personalized insurance on purchases, which is a good example of how fintechs and insurers can create value together through embedded experiences.
Enhanced Automation is Growing the Embedded Insurance Market
Innovations in AI and automation are rapidly advancing embedded insurance as both opportunities and risks can now be evaluated in underwriting/claims. Using advanced data analytics, insurers are now able to contextual prices and assess risks in real-time, embedded within their partner platforms, removing policy friction and ensuring products are both contextual and relevant. Insurers are also leveraging massive automation to enhance the back-end process of claims processing and regulatory reporting. The speed and agility of embedded distributed models combine with segmentation to assess dynamically changing risks, such as cyber risk, trip disruptions, and SME liability, where automation improves customer experience and cost efficiency.
For instance, in June 2024, Cytora Limited partnered with ChAI, to work together to improve dynamic risk assessment for insurers. They are leveraging more external signals, such as commodity risk indices and supply chain risk, that enable embedded insurers to calibrate their pricing and exposure more accurately, in a way that will soon have an impact on their digital distribution model.
Auto Insurance Leads the Embedded Insurance Market
Auto insurance is at the forefront of the embedded revolution. OEMs and digital mobility platforms are embedding insurance at the point of sale, lease, or rental for vehicles. The consumers receive contextual, usage-based, or bundled products, all delivered on one interface. The OEM offers different packages based on driving patterns, distance driven, or type of vehicle, often with insurtechs or Managing General Agents. Embedded auto insurance allows for claims automation, service reminders, and faster payments through telematics.
For instance, in June 2024, Stellantis Financial Services U.S. and Bolttech launched embedded auto insurance offerings for Stellantis customers who purchase a car. By using an in-app experience during a car purchase and experience, the customer can select and activate coverage while financing their car. This creates an experience of seamless, flexible, and instant auto insurance benefits for any car buyer. This shows how embedded insurance creates customer lifetime value with their automotive brands.
North America Dominates the Global Embedded Insurance Market
North America leads the world in embedded insurance, owing to several factors, including its mature insurance ecosystems, elevated levels of digital penetration, and significant investment in insurtech. The regulatory landscape in the U.S. and Canada, including initiatives such as open insurance and sandboxes, has fostered a collaborative environment between carriers and technology platforms. Additionally, the growing demand for insurance within e-commerce, gig economy, and digital health apps has created a boom in B2B2C embedded offerings. North America has the largest group of lead actors as well as end-users willing to test and scale embedded models faster than in other regions.
In March 2025, Hepster (MOINsure GmbH) from Germany made a move in the U.S. market through its partnership with HDI to start offering embedded insurance to OEM and Mobility clients. This announcement demonstrates not only the interest of North America in European insurtechs but also gives evidence of the cross-border potential and viability of embedded distribution.
Key Players Landscape and Outlook
The embedded insurance market is in a heightened state of competition with the world's insurtechs and entrenched incumbents racing to develop API-first, customizable insurance infrastructure. Competitive players such as Bolttech, Qover, and Cover Genius have all successfully launched platforms that fully integrate partner ecosystems (such as travel and retail, fintech, and automotive) to facilitate end-to-end functions from underwriting and pricing through claims and renewals. Embedded insurance providers have additional opportunities thanks to the rapid growth of vertical SaaS providers in areas such as e-commerce, logistics, and real estate. In addition, embedded companies continue to enter strategic alliances to better reach consumers and diversify their products.
In May 2024, the UK embedded insurance platform Embri Limited officially launched with an emphasis on API-centric partnerships. Aimed at fintech and lifestyle platforms, Embri emphasizes connectivity for white-label insurance distribution and demonstrates the potential disruption of technology-led infrastructure providers in the insurance value chain.
All segments will be provided for all regions and countries covered
Companies mentioned above DO NOT hold any order as per market share and can be changed as per information available during research work.