組み込み型保険の市場規模、シェア、成長分析、保険タイプ別、流通チャネル別、提供製品別、用途別、地域別 - 産業予測 2025年～2032年

組み込み型保険の世界市場規模は、2023年に1,286億米ドルと評価され、2024年の1,581億8,000万米ドルから2032年には8,286億8,000万米ドルに拡大し、予測期間（2025年～2032年）のCAGRは23.0％で成長する見通しです。

同市場では、オープンAPIの採用増加、消費者行動の変化、保険会社と保険会社以外のブランドとの戦略的提携などを背景に、シームレスなデジタル体験に対する需要が急増しています。組み込み型保険は、販売時点で直接補償を組み込むことにより、摩擦のないユーザー体験を提供するソリューションとして台頭しており、購買ジャーニーにおける統合に対する消費者の期待に応えています。ミレニアル世代とZ世代は、オンデマンドのサブスクリプション型モデルを好み、この分野の成長を牽引しています。しかし、規制上のハードル、消費者の認識と信頼の限界、データプライバシーの問題、パートナーシップの複雑さなどの課題が、組み込み型保険ソリューションの普及を妨げ、市場全体の浸透に影響を与える可能性があります。このような力学が展開される中、統合の効率化は将来の進歩にとって極めて重要です。

目次

イントロダクション

• 調査の目的
• 調査範囲
• 定義

調査手法

• 情報調達
• 二次と一次データの方法
• 市場規模予測
• 市場の前提条件と制限

エグゼクティブサマリー

• 世界市場の見通し
• 供給と需要の動向分析
• セグメント別機会分析

市場力学と見通し

• 市場概要
• 市場規模
• 市場力学
  • 促進要因と機会
  • 抑制要因と課題
• ポーターの分析

主な市場の考察

• 重要成功要因
• 競合の程度
• 主な投資機会
• 市場エコシステム
• 市場の魅力指数（2024年）
• PESTEL分析
• マクロ経済指標
• バリューチェーン分析
• 価格分析

組み込み型保険市場規模：保険タイプ別& CAGR（2025-2032）

• 市場概要
• 住宅所有者
• 賃借人
• 自動車
• 旅行
• 生命

組み込み型保険市場規模：流通チャネル別& CAGR（2025-2032）

• 市場概要
• 保険代理店
• オンラインプラットフォーム
• 金融機関

組み込み型保険市場規模：提供製品別& CAGR（2025-2032）

• 市場概要
• 単一保険
• バンドル保険

組み込み型保険市場規模：用途別& CAGR（2025-2032）

• 市場概要
• 自動車
• 家電
• ヘルスケア
• 旅行
• フィンテック

組み込み型保険市場規模：地域別& CAGR（2025-2032）

• 北米
  • 米国
  • カナダ
• 欧州
  • ドイツ
  • スペイン
  • フランス
  • 英国
  • イタリア
  • その他欧州地域
• アジア太平洋地域
  • 中国
  • インド
  • 日本
  • 韓国
  • その他アジア太平洋地域
• ラテンアメリカ
  • ブラジル
  • その他ラテンアメリカ地域
• 中東・アフリカ
  • GCC諸国
  • 南アフリカ
  • その他中東・アフリカ

競合情報

• 上位5社の比較
• 主要企業の市場ポジショニング（2024年）
• 主な市場企業が採用した戦略
• 最近の市場動向
• 企業の市場シェア分析（2024年）
• 主要企業の企業プロファイル
  • 企業の詳細
  • 製品ポートフォリオ分析
  • 企業のセグメント別シェア分析
  • 収益の前年比比較（2022-2024年）

主要企業プロファイル

• Cover Genius（Australia）
• bolttech（Singapore）
• Lemonade（USA）
• Metromile（USA）
• Slice Labs（USA）
• Hippo（USA）
• Root Insurance（USA）
• Assurant（USA）
• Qover（Belgium）
• Igloo（Singapore）
• Extend（USA）
• Bsurance（Austria）
• Companjon（Ireland）
• Rein（USA）
• Mulberri（USA）
• Oyster（USA）
• tigerlab（Malaysia）
• Surefyre Systems（USA）
• Tint（USA）
• Bimaplan（India）

結論と提言

Global Embedded Insurance Market size was valued at USD 128.6 billion in 2023 and is poised to grow from USD 158.18 billion in 2024 to USD 828.68 billion by 2032, growing at a CAGR of 23.0% during the forecast period (2025-2032).

The market is experiencing a surge in demand for seamless digital experiences, bolstered by the rising adoption of open APIs, changing consumer behaviors, and strategic partnerships between insurers and non-insurance brands. Embedded insurance is emerging as a solution to provide frictionless user experiences by incorporating coverage directly at the point of sale, meeting consumer expectations for integration within their purchasing journeys. Millennials and Gen Z favor on-demand, subscription-based models, driving growth in this sector. However, challenges such as regulatory hurdles, limited consumer awareness and trust, data privacy issues, and complexities in partnerships may hinder the widespread adoption of embedded insurance solutions, impacting overall market penetration. As these dynamics unfold, efficiency in integration remains crucial for future advancements.

Top-down and bottom-up approaches were used to estimate and validate the size of the Global Embedded Insurance market and to estimate the size of various other dependent submarkets. The research methodology used to estimate the market size includes the following details: The key players in the market were identified through secondary research, and their market shares in the respective regions were determined through primary and secondary research. This entire procedure includes the study of the annual and financial reports of the top market players and extensive interviews for key insights from industry leaders such as CEOs, VPs, directors, and marketing executives. All percentage shares split, and breakdowns were determined using secondary sources and verified through Primary sources. All possible parameters that affect the markets covered in this research study have been accounted for, viewed in extensive detail, verified through primary research, and analyzed to get the final quantitative and qualitative data.

Global Embedded Insurance Market Segments Analysis

Global Embedded Insurance Market is segmented by Policy Type, Distribution Channel, Product Offering, Application and region. Based on Policy Type, the market is segmented into Homeowners, Renters, Auto, Travel and Life. Based on Distribution Channel, the market is segmented into Insurance agents, Online platforms and Financial institutions. Based on Product Offering, the market is segmented into Single product and Bundled insurance. Based on Application, the market is segmented into Automotive, Consumer Electronics, Healthcare, Travel and Fintech. Based on region, the market is segmented into North America, Europe, Asia Pacific, Latin America and Middle East & Africa.

Driver of the Global Embedded Insurance Market

The escalating popularity of super apps and digital ecosystems in emerging markets is significantly driving the demand for embedded insurance solutions. Applications such as Grab, Gojek, and WeChat are seamlessly integrating financial services with retail and transportation, thereby offering embedded microinsurance tailored for rides, deliveries, and travel. These interconnected platforms establish ongoing interactions with users, facilitating the provision of relevant insurance options at crucial moments in the customer experience. As lifestyle services and financial products converge, they are reshaping the way insurance is utilized, paving the way for growth and enhanced prospects within the global embedded insurance market.

Restraints in the Global Embedded Insurance Market

A significant challenge facing the Global Embedded Insurance market is consumer awareness and understanding. Many individuals remain uninformed about their insurance purchases made through embedded channels or misinterpret the coverage and terms associated with these policies. This lack of clarity can foster dissatisfaction, leading to complaints or reluctance to renew coverage. Furthermore, consumers may exhibit skepticism toward non-insurance brands that provide insurance offerings, particularly when the terms are not clearly communicated during the point of sale. To address these issues, fostering transparency, ensuring opt-in consent, and clarifying policy details are essential; however, these factors are frequently neglected, hindering consumer trust and limiting the adoption of embedded insurance solutions.

Market Trends of the Global Embedded Insurance Market

The Global Embedded Insurance market is witnessing a significant trend of expansion into non-traditional sectors, extending its reach beyond conventional industries such as travel and electronics. Emerging sectors like e-commerce, mobility-as-a-service, health tech, and creator platforms are now integrating embedded insurance solutions, driven by the use of APIs that facilitate seamless insurance access within platforms unaccustomed to insurance offerings. This transition is not only attracting startups but also established players who are adopting B2B2C models to effectively monetize user engagement through contextual protection. As such, diversification into new verticals is poised to shape the future of the embedded insurance landscape.

Table of Contents

Introduction

• Objectives of the Study
• Scope of the Report
• Definitions

Research Methodology

• Information Procurement
• Secondary & Primary Data Methods
• Market Size Estimation
• Market Assumptions & Limitations

Executive Summary

• Global Market Outlook
• Supply & Demand Trend Analysis
• Segmental Opportunity Analysis

Market Dynamics & Outlook

• Market Overview
• Market Size
• Market Dynamics
  • Drivers & Opportunities
  • Restraints & Challenges
• Porters Analysis
  • Competitive rivalry
  • Threat of substitute
  • Bargaining power of buyers
  • Threat of new entrants
  • Bargaining power of suppliers

Key Market Insights

• Key Success Factors
• Degree of Competition
• Top Investment Pockets
• Market Ecosystem
• Market Attractiveness Index, 2024
• PESTEL Analysis
• Macro-Economic Indicators
• Value Chain Analysis
• Pricing Analysis

Global Embedded Insurance Market Size by Policy Type & CAGR (2025-2032)

• Market Overview
• Homeowners
• Renters
• Auto
• Travel
• Life

Global Embedded Insurance Market Size by Distribution Channel & CAGR (2025-2032)

• Market Overview
• Insurance agents
• Online platforms
• Financial institutions

Global Embedded Insurance Market Size by Product Offering & CAGR (2025-2032)

• Market Overview
• Single product
• Bundled insurance

Global Embedded Insurance Market Size by Application & CAGR (2025-2032)

• Market Overview
• Automotive
• Consumer Electronics
• Healthcare
• Travel
• Fintech

Global Embedded Insurance Market Size & CAGR (2025-2032)

• North America (Policy Type, Distribution Channel, Product Offering, Application)
  • US
  • Canada
• Europe (Policy Type, Distribution Channel, Product Offering, Application)
  • Germany
  • Spain
  • France
  • UK
  • Italy
  • Rest of Europe
• Asia Pacific (Policy Type, Distribution Channel, Product Offering, Application)
  • China
  • India
  • Japan
  • South Korea
  • Rest of Asia-Pacific
• Latin America (Policy Type, Distribution Channel, Product Offering, Application)
  • Brazil
  • Rest of Latin America
• Middle East & Africa (Policy Type, Distribution Channel, Product Offering, Application)
  • GCC Countries
  • South Africa
  • Rest of Middle East & Africa

Competitive Intelligence

• Top 5 Player Comparison
• Market Positioning of Key Players, 2024
• Strategies Adopted by Key Market Players
• Recent Developments in the Market
• Company Market Share Analysis, 2024
• Company Profiles of All Key Players
  • Company Details
  • Product Portfolio Analysis
  • Company's Segmental Share Analysis
  • Revenue Y-O-Y Comparison (2022-2024)

Key Company Profiles

• Cover Genius (Australia)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• bolttech (Singapore)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Lemonade (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Metromile (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Slice Labs (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Hippo (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Root Insurance (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Assurant (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Qover (Belgium)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Igloo (Singapore)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Extend (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Bsurance (Austria)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Companjon (Ireland)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Rein (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Mulberri (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Oyster (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• tigerlab (Malaysia)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Surefyre Systems (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Tint (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Bimaplan (India)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments

Conclusion & Recommendations