Insurtech Global Outlook

2023

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2022 was again a time marked by uncertainty: Geopolitical instability, climate change, economic and energy crisis have changed the expected year of normalization after the pandemic’s recovery.

INSURTECH 2023

2023 Highlights plus

Market uncertainty in 2022 affected investment priorities. Full-stack disruptors will likely suffer due to the significant capital they need to handle their low profitability. North America still leads the way in funding, while European Insurtechs target higher profitability markets.

1. Sustainable World plus

Insurance plays a pivotal role in the global climate change crisis. The ability to predict, manage and mitigate climate risks will have a massive impact on populations and their long-term well-being. Current players focused on improving these capabilities will succeed in the near future.

2. Smart Distribution plus

Embedded Insurance is a cost-effective way to increase sales and revenues in the industry. It is a 3 trillion market opportunity that has become the distribution model with the highest growth in recent years; enabled through cloud-connected platforms and open APIs, and led by Insurtechs and Tech Giants.

3. Digital Risks plus

Cyber crime presents a major risk in our increasingly digitised world. Criminals search for new sources of revenue in identity theft, ransomware, malware and phishing. In this environment, the implication of incumbents and new players with cyber insurance will help protect private and public entities.

4. Next Level Underwriting plus

Insurance has historically been perceived as a commodity. Additionally, the consequences of a world with low insurance penetration can be severe in uncertain times. New underwriting models can reduce costs and claims payouts, which enables competitive pricing and higher customer engagement.

5. Companies That Care plus

The COVID-19 pandemic has accelerated digitisation and precipitated a change in our lifestyles and habits, putting health at the centre. This reality has boosted multiple existing or emerging trends in the Healthcare ecosystem, which bring new opportunities and challenges for employers.

00

2023 Highlights

Market uncertainty in 2022 affected investment priorities. Full-stack disruptors will likely suffer due to the significant capital they need to handle their low profitability. North America still leads the way in funding, while European Insurtechs target higher profitability markets.

01

Sustainable World

Insurance plays a pivotal role in the global climate change crisis. The ability to predict, manage and mitigate climate risks will have a massive impact on populations and their long-term well-being. Current players focused on improving these capabilities will succeed in the near future.

02

Smart Distribution

Embedded Insurance is a cost-effective way to increase sales and revenues in the industry. It is a 3 trillion market opportunity that has become the distribution model with the highest growth in recent years; enabled through cloud-connected platforms and open APIs, and led by Insurtechs and Tech Giants.

03

Digital Risks

Cyber crime presents a major risk in our increasingly digitised world. Criminals search for new sources of revenue in identity theft, ransomware, malware and phishing. In this environment, the implication of incumbents and new players with cyber insurance will help protect private and public entities.

04

Next Level Underwriting

Insurance has historically been perceived as a commodity. Additionally, the consequences of a world with low insurance penetration can be severe in uncertain times. New underwriting models can reduce costs and claims payouts, which enables competitive pricing and higher customer engagement.

05

Companies That Care

The COVID-19 pandemic has accelerated digitisation and precipitated a change in our lifestyles and habits, putting health at the centre. This reality has boosted multiple existing or emerging trends in the Healthcare ecosystem, which bring new opportunities and challenges for employers.

INSURTECH 2023 Highlights

The insurance industry is being pushed to an unprecedented change: energy transition, digitisation and climate crisis are creating opportunities to transform a traditional and legacy-driven industry. Amongst the challenges observed in 2022, Climate Change, Cybersecurity, Embedded Insurance, Corporate Care and Connected Underwriting are on top.

The current global crisis and economic uncertainty have affected investor's priorities, resulting in a significant fall in Insurtechs' valuations. Industry disruptors that tried to substitute established full stack carriers, or explore Traditional Lines of Business, have faced financially challenging times. More established innovators are receiving more support from the ecosystem.

Traditional Lines of Business have a huge weight on the overall funding amount. By exploring Non-traditional LoB, we can extract specifics on what the market is betting on in times of crisis. 

The technologies with the highest growth in 2022 are IoT, Analytics, API, Predictive Analytics and Health Diagnostics. They solve distinctive challenges in the insurance industry: accurate risk modelling and pricing, better customer experience in third-party platforms, comprehensive risk assessment and cost reduction.

Insurance investors followed the new world framework after the pandemic with the change in customer habits and its challenges. Insurers’ bets concentrated on protecting businesses and their employees, focusing on trends such as cybersecurity, climate risks or employee well-being.

The insurance marketplace goes beyond carriers and customers, creating the opportunity for many participants to seamlessly connect with each other, and also digitise and distribute insurance data to enhance customer experience, risk assessment and claims.

Focusing on automation to improve profitability is a very efficient way to attract new partnerships with Insurtechs.

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1. Sustainable world

Insight 01

How does climate change force insurers to adapt to the new reality?

Climate change is causing an exponential increase in the frequency and intensity of catastrophic events.

Losses due to extreme climate events total $316 billion annually, and around two-thirds of them are currently uninsured.

Most insurers are moderately prepared for climate change events and just a few are considered prepared.

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“Developing actions to assess and mitigate climate risks is one of the top priorities for insurance carriers and regulators”

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Insight 02

Insurers are developing new climate-focused solutions

Creating new risk transfer solutions

with AI-driven platforms for physical risk analysis and mitigation.

Insuring the net-zero transition

adopting low-carbon oriented

services.

Building climate-resilience services

with ESG evaluation systems for responsible investments.

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Insight 03

New investors in climate tech

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AXA

The company has invested in AI services for properties (Cape Analytics), alternative energies (Green Struxture, Eranove) and IoT tracking and analysis for shipments (Tive).

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Generali

In 2022, the insurer partnered with UNDP on digitally enabled parametric insurance solutions for the world’s vulnerable communities and businesses.

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Ping-An

Their net-zero strategy included launching a new ESG evaluation system powered by NLP, a platform to mitigate risks in agriculture, and an app for EV owners.

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Insight 04

Developing a net-zero insurance strategy

  • Engaging the community

  • Promoting and incentivising low carbon services and solutions

01

Implementing

new parametric coverage through technologies, such as IoT and AI, will accelerate risk prevention while drastically reducing the time for payouts and operational costs. 

02

Incorporating

different ESG scoring systems and standards that can be applied to the entire business and dictate investment priorities.

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1. Sustainable world plus

Insight 01

How does climate change force insurers to adapt to the new reality?

Climate change is causing an exponential increase in the frequency and intensity of catastrophic events.

Losses due to extreme climate events total $316 billion annually, and around two-thirds of them are currently uninsured.

Most insurers are moderately prepared for climate change events and just a few are considered prepared.

image
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“Developing actions to assess and mitigate climate risks is one of the top priorities for insurance carriers and regulators”

image
SHARE THIS INSIGHT
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Insight 03

Insurers are developing new climate-focused solutions

Creating new risk transfer solutions

with AI-driven platforms for physical risk analysis and mitigation.

Insuring the net-zero transition

adopting low-carbon oriented

services.

Building climate-resilience services

with ESG evaluation systems for responsible investments.

SHARE THIS INSIGHT
twitterlinkedinfacebookshare
Insight 04

New investors in climate tech

image

AXA

The company has invested in AI services for properties (Cape Analytics), alternative energies (Green Struxture, Eranove) and IoT tracking and analysis for shipments (Tive).

image

Generali

In 2022, the insurer partnered with UNDP on digitally enabled parametric insurance solutions for the world’s vulnerable communities and businesses.

image

Ping-An

Their net-zero strategy included launching a new ESG evaluation system powered by NLP, a platform to mitigate risks in agriculture, and an app for EV owners.

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Insight 05

Developing a net-zero insurance strategy

  • Engaging the community

  • Promoting and incentivising low carbon services and solutions

01

Implementing

new parametric coverage through technologies, such as IoT and AI, will accelerate risk prevention while drastically reducing the time for payouts and operational costs. 

02

Incorporating

different ESG scoring systems and standards that can be applied to the entire business and dictate investment priorities.

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2. Smart distribution

Insight 01

A $3 trillion market opportunity

Embedded Insurance is encroaching on Tied agents & Branches and Direct Channel’s territory, while Brokers & Aggregators and Bancassurance are keeping their positions.

Injecting more trust into the insurance customer journey, by wrapping it in well-loved brands, should generally encourage more people to buy coverage.

Especially now that over 50% of the U.S. population is made up of younger generations that, according to Gallup, are the least engaged with insurance.

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Insight 02

The primary motivations for adopting Embedded Insurance:

Revenue and customer retention. Partners have a clear expectation of the benefits of cross-selling insurance.

The massive implementation of API technology in all industries, including insurance, allows connecting insurance data with third-party providers and bundles insurance products across different ecosystems. Motor car distributors, travel firms and healthcare providers lead the next distribution.

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Insight 03

No one is missing the opportunity.

01

Insurtechs

amassing big part of the investments, with over 10 unicorns and tech-enabled platforms for ecosystems, are playing a facilitator role. 

02

Tech & Industry Giants

are acting as a drivers. With large customer bases, close interactions, brand awareness, and data management, they are stepping into the insurance industry to create new revenue streams.

03

Insurers

are exploring new audiences, low penetration territories, and cost-efficient operations. They are integrating products and services in third-party platforms, adding value to the customer journey.

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Insight 04

The embedded model can effectively reduce CAC in an intuitive way.

Embedded Insurance will expand  insurance offerings by exploring new product placements and opportunities to cover emerging demands.

However, commoditisation of policies and strong competition can impact business profitability.

Some lines of business are more suitable than others for Embedded Insurance, not only because of their product coverage specifications but also because of the price elasticity of their products.

Selecting a third party to form a partnership might not be based only on the tech or data aspects but the patterns that allow a symbiotic win-win relationship. 

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2. Smart distribution plus

Insight 01

A $3 trillion market opportunity

Embedded Insurance is encroaching on Tied agents & Branches and Direct Channel’s territory, while Brokers & Aggregators and Bancassurance are keeping their positions.

Injecting more trust into the insurance customer journey, by wrapping it in well-loved brands, should generally encourage more people to buy coverage.

Especially now that over 50% of the U.S. population is made up of younger generations that, according to Gallup, are the least engaged with insurance.

image
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Insight 02

The primary motivations for adopting Embedded Insurance:

Revenue and customer retention. Partners have a clear expectation of the benefits of cross-selling insurance.

The massive implementation of API technology in all industries, including insurance, allows connecting insurance data with third-party providers and bundles insurance products across different ecosystems. Motor car distributors, travel firms and healthcare providers lead the next distribution.

image
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Insight 03

No one is missing the opportunity.

01

Insurtechs

amassing big part of the investments, with over 10 unicorns and tech-enabled platforms for ecosystems, are playing a facilitator role. 

02

Tech & Industry Giants

are acting as a drivers. With large customer bases, close interactions, brand awareness, and data management, they are stepping into the insurance industry to create new revenue streams.

03

Insurers

are exploring new audiences, low penetration territories, and cost-efficient operations. They are integrating products and services in third-party platforms, adding value to the customer journey.

SHARE THIS INSIGHT
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Insight 04

The embedded model can effectively reduce CAC in an intuitive way.

Embedded Insurance will expand  insurance offerings by exploring new product placements and opportunities to cover emerging demands.

However, commoditisation of policies and strong competition can impact business profitability.

Some lines of business are more suitable than others for Embedded Insurance, not only because of their product coverage specifications but also because of the price elasticity of their products.

Selecting a third party to form a partnership might not be based only on the tech or data aspects but the patterns that allow a symbiotic win-win relationship. 

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3. Digital risks

Insight 01

How is cybersecurity becoming a mandate for insurers?

The global cyber insurance market was worth $11B in gross written premiums in 2021, and will continue to thrive post-COVID-19, reaching $20B by 2025 with a CAGR of 27%.

Since 2021, cyber attacks have increased by 50% and software supply chain attacks have increased by 650%. According to IBM’s Data Breach Report 2022, the average total cost of a data breach was $4.35M, while 19% of breaches occurred because of a compromise at a business partner.

Additionally, 83% of C-level respondents surveyed by Munich-Re in 2022 confirmed their own company was not adequately protected against digital threats.

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Insight 02

Cyber insurance premiums increased by an average of 28%

Cyber insurance premiums increased by an average of 28% in the first quarter of 2022 (compared with the fourth quarter of 2021).

A rise in ransomware attacks, lacklustre risk management protocols and lack of employee training were among the top drivers behind the notable increase in cyber insurance prices.

There is concern about cyber insurance policy cancellations to cut costs, which may prove to be a false economy, considering the cost of a breach for an uninsured organisation.

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Insight 03

Insurers’ investments in cyber Insurtechs have multiplied by six over the last three years

They are mainly focused on risk prevention, SME and personal cyber risk, and risk on IoT devices, with the intent of addressing the existing pain points.

However, Microsoft’s investment in cybersecurity startups is much higher than all of the insurer’s investments combined. 

With cyber attacks on the rise, cyber insurance is becoming a risky investment and business line. Companies such as AXA or AIG have started to rethink their risk exposure. 

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Insight 04

Three main factors that have and will influence the cybersecurity environment

These factors can help or hinder the security level of organisations depending on their implementation:

  • The rise of remote and hybrid working.

  • The transition from Virtual Private Networks (VPN) to Zero Trust Network Access (ZTNA).

  • The shift to cloud-based delivery models.

The inconsistency between the coverage consumers demand and what insurance companies can supply pushes insurers to invest in new technologies and businesses to lower their premiums, minimise cyber insurance costs and obtain a diversified pool of clients.

New regulatory frameworks are helping companies reinforce security practices that will altogether improve their level of cyber risk and resilience.

Dynamic risk analysis and the continuous evaluation of risks can improve trust and relationships with customers, discover emerging risks and improve efficiency and costs.

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3. Digital risks plus

Insight 01

How is cybersecurity becoming a mandate for insurers?

The global cyber insurance market was worth $11B in gross written premiums in 2021, and will continue to thrive post-COVID-19, reaching $20B by 2025 with a CAGR of 27%.

Since 2021, cyber attacks have increased by 50% and software supply chain attacks have increased by 650%. According to IBM’s Data Breach Report 2022, the average total cost of a data breach was $4.35M, while 19% of breaches occurred because of a compromise at a business partner.

Additionally, 83% of C-level respondents surveyed by Munich-Re in 2022 confirmed their own company was not adequately protected against digital threats.

image
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Insight 02

Cyber insurance premiums increased by an average of 28%

Cyber insurance premiums increased by an average of 28% in the first quarter of 2022 (compared with the fourth quarter of 2021).

A rise in ransomware attacks, lacklustre risk management protocols and lack of employee training were among the top drivers behind the notable increase in cyber insurance prices.

There is concern about cyber insurance policy cancellations to cut costs, which may prove to be a false economy, considering the cost of a breach for an uninsured organisation.

image
SHARE THIS INSIGHT
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Insight 03

Insurers’ investments in cyber Insurtechs have multiplied by six over the last three years

They are mainly focused on risk prevention, SME and personal cyber risk, and risk on IoT devices, with the intent of addressing the existing pain points.

However, Microsoft’s investment in cybersecurity startups is much higher than all of the insurer’s investments combined. 

With cyber attacks on the rise, cyber insurance is becoming a risky investment and business line. Companies such as AXA or AIG have started to rethink their risk exposure. 

SHARE THIS INSIGHT
twitterlinkedinfacebookshare
Insight 04

Three main factors that have and will influence the cybersecurity environment

These factors can help or hinder the security level of organisations depending on their implementation:

  • The rise of remote and hybrid working.

  • The transition from Virtual Private Networks (VPN) to Zero Trust Network Access (ZTNA).

  • The shift to cloud-based delivery models.

The inconsistency between the coverage consumers demand and what insurance companies can supply pushes insurers to invest in new technologies and businesses to lower their premiums, minimise cyber insurance costs and obtain a diversified pool of clients.

New regulatory frameworks are helping companies reinforce security practices that will altogether improve their level of cyber risk and resilience.

Dynamic risk analysis and the continuous evaluation of risks can improve trust and relationships with customers, discover emerging risks and improve efficiency and costs.

SHARE THIS INSIGHT
twitterlinkedinfacebookshare

4. Next level underwriting

Insight 01

How to determine policyholder risks in a more automated way

Insurance profitability has been challenged significantly in 2022 by weak underwriting performance and investment results.

Global inflation has affected non-life reserves due to the increase in claims linked to the price of materials, goods and wages, while Life insurers have been impacted by higher interest rates and indexed payments.

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This volatile context had two main results:

The lowest level in the last 10 years of underwriting performance for global non-life insurance profitability

A Global Life Premium fall of 2% in real terms in 2022

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Insight 02

Technology budgets in 2022 were expected to rise 14% in key areas such as AI, Data Acquisition, Cloud, Data Privacy and Advanced Analytics, according to Deloitte’s global survey.

Leading insurers seek to broaden their risk assessment considerations by tapping unimaginable volumes of real-time third party data from diverse domains, including environmental data, industry-specific data, location data, individuals and more.

Insurtechs focused on IoT devices, EHRs, and UBI models, are already helping the industry’s transformation with much more comprehensive and accurate risk management strategies.

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Insight 03

Improving underwriting performance has become a priority for insurers

In 2022, close to 10 million U.S. auto policyholders shared their driving data with an insurer, developing safer driving habits with incentives and constant feedback.

Algorithmic underwriting for complex risks is going to transform commercial insurance by 2030.

Life & Health prediction models can be applied on new sources of data—like population-scale medical records—to unlock insights, accelerate underwriting, increase sales conversion rates and identify healthier clients below industry benchmark incidence rates. 

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Insight 04

Underwriting innovation models are based on four main pillars of the insurance strategy

  • Increased conversion rates

  • Improved operational efficiency

  • Accurate pricing and better loss ratio performance

  • Greater customer satisfaction.

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The continuous underwriting implementation framework is based on 3 engagement layers:

01

Connection

Collecting full-scenario data to build personalised and comprehensive risk profiles.

02

Conversion

Setting up personalised protection recommendations in an embedded ecosystem customer journey.

03

Retention

Including real-time extended services, based on data conversion and behavior change, for better underwriting performance. 

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4. Next level underwriting plus

Insight 01

How to determine policyholder risks in a more automated way

Insurance profitability has been challenged significantly in 2022 by weak underwriting performance and investment results.

Global inflation has affected non-life reserves due to the increase in claims linked to the price of materials, goods and wages, while Life insurers have been impacted by higher interest rates and indexed payments.

image
SHARE THIS INSIGHT
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This volatile context had two main results:

The lowest level in the last 10 years of underwriting performance for global non-life insurance profitability

A Global Life Premium fall of 2% in real terms in 2022

image
SHARE THIS INSIGHT
twitterlinkedinfacebookshare
Insight 03

Technology budgets in 2022 were expected to rise 14% in key areas such as AI, Data Acquisition, Cloud, Data Privacy and Advanced Analytics, according to Deloitte’s global survey.

Leading insurers seek to broaden their risk assessment considerations by tapping unimaginable volumes of real-time third party data from diverse domains, including environmental data, industry-specific data, location data, individuals and more.

Insurtechs focused on IoT devices, EHRs, and UBI models, are already helping the industry’s transformation with much more comprehensive and accurate risk management strategies.

SHARE THIS INSIGHT
twitterlinkedinfacebookshare
Insight 04

Improving underwriting performance has become a priority for insurers

In 2022, close to 10 million U.S. auto policyholders shared their driving data with an insurer, developing safer driving habits with incentives and constant feedback.

Algorithmic underwriting for complex risks is going to transform commercial insurance by 2030.

Life & Health prediction models can be applied on new sources of data—like population-scale medical records—to unlock insights, accelerate underwriting, increase sales conversion rates and identify healthier clients below industry benchmark incidence rates. 

image
SHARE THIS INSIGHT
twitterlinkedinfacebookshare
Insight 05

Underwriting innovation models are based on four main pillars of the insurance strategy

  • Increased conversion rates

  • Improved operational efficiency

  • Accurate pricing and better loss ratio performance

  • Greater customer satisfaction.

image
SHARE THIS INSIGHT
twitterlinkedinfacebookshare

The continuous underwriting implementation framework is based on 3 engagement layers:

01

Connection

Collecting full-scenario data to build personalised and comprehensive risk profiles.

02

Conversion

Setting up personalised protection recommendations in an embedded ecosystem customer journey.

03

Retention

Including real-time extended services, based on data conversion and behavior change, for better underwriting performance. 

SHARE THIS INSIGHT
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5. Companies that care

Insight 01

Why are companies starting to pay more attention to employee care?

The global Healthcare insurance market is expected to reach $4 trillion by 2030, progressing at a CAGR of over 7%.

Globally, 70% of insurers are expected to prioritise Corporate Health improvement programs to help address talent attraction, retention and engagement.

From the customer’s side, nearly 80% of global consumers show that Health and Life insurance is one of the top benefits for employees, and nearly 60% feel comfortable using a health app to book an appointment, receive medical advice or consult a therapist.

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Insight 02

Corporate Health investments kept their exponential growth

During 2022, while health insurance investments fall to 2018 levels.

All the players—insurers, tech giants, pharma, telcos and startups—are spotting the opportunity to elevate the value of healthcare services and meet emerging consumer demands, causing a “digital colonisation”, according to the University of Oxford.

We observe that this colonisation is fragmenting the Corporate Health market into different domains: Health Technology, Diagnostic Tools, Connector Platforms, Digital Care Management, and Employee Benefits.

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Insight 03

Big Tech, Pharma, Telcos and Insurtechs are entering in Healthcare market, creating open digital ecosystems

image

Amazon

Amazon acquired One Medical to build a national hybrid healthcare practice.

image

Roche

Roche introduced Navify Marketplace to enhance clinical decision support and connect labs, clinics and patients for a better access and delivery care experience. 

image

Orange

Orange acquired Exelus for developing solutions in telemedicine and emergency calls, for assessing patients via secure video call.

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Insight 04

The main challenges in the Corporate Care market are based on the accelerated digitisation driven by

  • Comprehensive and integrated care models: prevention, well-being and chronic care.

  • Triggering data to increase customer engagement, satisfaction and adherence

  • Health management needs to be based on evidence and data: clinical decision making, early-diagnostics, remote monitoring and advanced segmentation.

  • Creating new models for the Connected Health ecosystems: virtual care, prevention and interoperable use of data.

SHARE THIS INSIGHT
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The shift from attention to prevention has opened high growth opportunities in corporate care.

Market fragmentation calls for the arrival of a player with the ability to consolidate and lead an end-to-end experience.

The entrance of Big Tech, Pharma and Telcos is accelerating the innovation needed to address the intensifying demands after COVID-19 and advance the development of game-changing solutions.

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5. Companies that care plus

Insight 01

Why are companies starting to pay more attention to employee care?

The global Healthcare insurance market is expected to reach $4 trillion by 2030, progressing at a CAGR of over 7%.

Globally, 70% of insurers are expected to prioritise Corporate Health improvement programs to help address talent attraction, retention and engagement.

From the customer’s side, nearly 80% of global consumers show that Health and Life insurance is one of the top benefits for employees, and nearly 60% feel comfortable using a health app to book an appointment, receive medical advice or consult a therapist.

SHARE THIS INSIGHT
twitterlinkedinfacebookshare
Insight 02

Corporate Health investments kept their exponential growth

During 2022, while health insurance investments fall to 2018 levels.

All the players—insurers, tech giants, pharma, telcos and startups—are spotting the opportunity to elevate the value of healthcare services and meet emerging consumer demands, causing a “digital colonisation”, according to the University of Oxford.

We observe that this colonisation is fragmenting the Corporate Health market into different domains: Health Technology, Diagnostic Tools, Connector Platforms, Digital Care Management, and Employee Benefits.

image
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Insight 03

Big Tech, Pharma, Telcos and Insurtechs are entering in Healthcare market, creating open digital ecosystems

image

Amazon

Amazon acquired One Medical to build a national hybrid healthcare practice.

image

Roche

Roche introduced Navify Marketplace to enhance clinical decision support and connect labs, clinics and patients for a better access and delivery care experience. 

image

Orange

Orange acquired Exelus for developing solutions in telemedicine and emergency calls, for assessing patients via secure video call.

SHARE THIS INSIGHT
twitterlinkedinfacebookshare
Insight 04

The main challenges in the Corporate Care market are based on the accelerated digitisation driven by

  • Comprehensive and integrated care models: prevention, well-being and chronic care.

  • Triggering data to increase customer engagement, satisfaction and adherence

  • Health management needs to be based on evidence and data: clinical decision making, early-diagnostics, remote monitoring and advanced segmentation.

  • Creating new models for the Connected Health ecosystems: virtual care, prevention and interoperable use of data.

SHARE THIS INSIGHT
twitterlinkedinfacebookshare

The shift from attention to prevention has opened high growth opportunities in corporate care.

Market fragmentation calls for the arrival of a player with the ability to consolidate and lead an end-to-end experience.

The entrance of Big Tech, Pharma and Telcos is accelerating the innovation needed to address the intensifying demands after COVID-19 and advance the development of game-changing solutions.

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Our Sponsors

Inês Eusébio
Inês Eusébio
Head of Insurance, Health and Public Sector for the IBBIOL Cluster at NTT DATA EMEAL NTT DATA EMEAL
Bruno Abril
Bruno Abril
Head of Insurance at NTT DATA EMEAL NTT DATA EMEAL - Insurance
Carlos Ordóñez
Carlos Ordóñez
Head of Strategy & Advisory at NTT DATA Insurance EMEAL NTT DATA EMEAL
Dirk Croenen
Dirk Croenen
Head of Insurance at NTT DATA Benelux NTT DATA EMEAL
Nuno Albuquerque e Castro
Nuno Albuquerque e Castro
Head of Insurance at NTT DATA Portugal NTT DATA EMEAL
Rob Baughman
Rob Baughman
Head of Insurance at NTT DATA Services NTT DATA Services - Insurance
Satoru Sasaki
Satoru Sasaki
Head of Insurance IT Services Division in NTT DATA Japan NTT DATA Corporation
Sergio Dizza
Sergio Dizza
Head of Insurance at NTT DATA Italy NTT DATA Italy - Insurance
Thomas Gall
Thomas Gall
Head of Insurance at NTT DATA DACH NTT DATA Germany - Insurance
Vito Treccarichi
Vito Treccarichi
Insurance Partner NTT DATA EMEAL