In-depth: InsurTech 2019

Statista Digital Market Outlook - Trend Report

Die Prämien auf dem weltweiten Versicherungsmarkt haben 2017 die 4,9-Billionen-US$-Marke überschritten – eine Tatsache, die vielen Start-ups nicht entgangen ist, die darauf hoffen, in einer weiteren Branche Fuß zu fassen. Die InsurTech-Welle steht nicht nur für einen technologischen Fortschritt in der traditionellen Versicherungsbranche durch die Anwendung von Blockchain oder künstlicher Intelligenz, sie bringt auch völlig neue Geschäftsmodelle hervor wie Peer-to-Peer-Systeme, Spot- oder Micro-Insurance.


Wie sich der InsurTech-Markt darstellt, welche Technologien zum Einsatz kommen, was Konsumenten darüber denken und welche Unternehmen zu den Big Players gehören, erfahren Sie in unserem Report.

Was ist enthalten?

  • Marktsegmente und Finanzierung
  • Technologien & Trends
  • Konsumentenüberblick
  • Start-up Deep Dives: BIMA, Clover, Collective Health, Coverhound, Lemonade, Metromile, Oscar, Zhong An
  • Umfangreiche Auflistung von Start-ups


In den Statista Digital Market Outlook Trend Reporten fokussieren unsere Analysten die wichtigsten Trendmärkte im digitalen Bereich und stellen eine umfassende Sammlung von Daten, Erkenntnissen, und den wichtigsten Unternehmen zusammen. Eine Übersicht aller Outlook Reporte finden Sie hier.

Der Statista Digital Market Outlook liefert aktuelle Zahlen und Prognosen über die Märkte der digitalen Wirtschaft in über 50 Ländern und Regionen. Die vergleichbaren Kennzahlen basieren auf umfangreichen Analysen der relevanten Indikatoren aus den Bereichen Gesellschaft, Wirtschaft und Technologie.

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Anmerkung: Der Report ist nur in englischer Sprache verfügbar.


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BeschreibungInhaltTabellen

The insurance industry with global premiums exceeding US$4.9 trillion in 2017 is one of the most complex businesses around. Although late, the industry now appears to be at a key inflection point with many experts viewing the digitization of insurance as the next big opportunity after FinTech. The main factors driving the growth of InsurTech include an archaic distribution system, dwindling consumer trust in the incumbents, millennial appeal and most importantly, a huge commercial potential for start-ups offering new and relevant products. Overall investment in InsurTech start-ups increased from US$0.3 billion in 2013 to US$2.2 billion in 2017 at a CAGR of 69.2%. The investment reached US$2.7 billion at its peak in 2015.

Currently, technology is at the core of every insurer’s strategic imperatives. Emerging technologies are transforming the insurance landscape as they enable new methods of assessing and controlling risk, improving efficiency, engaging with customers, preventing fraud, personalizing coverage and delivering products. As such, connected devices have the biggest disruption potential with Smart Home devices having become highly important in property insurance. However, smart home gadgets are still very expensive and only 27% of U.S. households currently had a smart-home device in 2017, as per the Statista Digital Market Outlook.

According to Statista’s survey on InsurTech in the U.S., the UK and Germany in 2017, most consumers find traditional insurers like insurance companies and direct insurers trustworthy. Only about a fifth say that new market entrants like insurance start-ups and peer-to-peer insurances are fully or largely trustworthy. This applies to different insurances like car insurance, personal liability insurance, health insurance and home/homeowner‘s insurance. There are major differences between the three countries in terms of adoption of new insurers. The U.S. is ahead in adopting new digital business models in the insurance industry. With regards to tech giants foraying into insurance space, people in the UK more likely to accept insurances by these companies compared to those surveyed from the U.S and Germany.

Insurance companies are setting up accelerators and innovation hubs as well as digital garages or in-house innovation hubs to offer new products and services and optimize their existing offerings with the help of digital disruptions in InsurTech. Moreover, insurance companies and internet companies are making partnership arrangements to offer new products. Start-ups are playing a major role in digital disruptions, hence insurers are forming partnerships with start-ups from various industries

Both the traditional insurers and new age start-ups are using technologies to disrupt the insurance domain. Although, the phenomena is global, majority of the InsurTech companies mainly located in the U.S.. Bima, Clover, Collective health, Metromile, Oscar and Zhong An are leading the InsurTech innovations in the direct insurance segment of the industry, whereas San Franscisco based start-up, CoverHound is disrupting the market with the creation of an insurance marketplace. Lemonade, another New York based start-up is foraying into peer-to-peer domain insurance domain.

Majority of the InsurTech start-ups are mainly located in the U.S.. Highest number of start-ups are in the technology and marketplace segment. As of 2018, Oscar has raised highest amount of funding of US$1.3 billion by any InsurTech company from key investors such as Alphabet, Breyer Capital, Capital G, Fidelity Investments, Founders Fund and others. Start-ups such as Zhong An Insurance and Zenefits raised more than US$1.5 billion in total funding, whereas start-ups including Bright Health, Clover and Policy Bazar have raised more than US$400 million each as of now. Additionally, the company raised US$1.5 billion through its IPO on the Hong Kong Stock Exchange, in September 2017.

  • Sprache: Englisch
  • Veröffentlicht: Februar 2019
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