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凯捷(Capgemini):2026年保险业热门趋势报告(中译版)(30页).pdf

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1、Capgemini Financial ServicesTop Trends 2026InsuranceJanuary 2026RESEARCH INSTITUTEScan to exploreScan to exploreA qr code on a white backgroundAI-generated content may be incorrect.Company Confidential#FinancialServicesTrends2026 Capgemini 2025.All rights reserved.2Our insurance top trends span thre

2、e interconnected imperativesSource:1.Capgemini World Life Insurance Report 2026;2.Capgemini World Wealth Report 2025;3.Swiss Re;4.Aon:The Global Medical Trend Rates Report 2025;5.Capgemini World Cloud Report-Financial Services 2026 Executive Survey;6.Capgemini AI-powered business operations survey 2

3、025;Capgemini Research Institute for Financial Services analysis,2025.Distribution and engagementMarket dynamics are shifting rapidly As 67%of next-gen insurance customers prefer phygital engagement over traditional channels1 With USD 83.5 Tn expected to change hands by 2048,opening new avenues for

4、growth2to unlock Empowering agents with actionable,data-driven insights Partnering with ecosystem players for embedded offerings Offering modular policies tailored to customers lifestylesmeeting these shifts requires Policyholder satisfaction Agent productivity Cross-and up-sell opportunitiesTechnol

5、ogical innovationThe pace of innovation is intensifying as 88%of insurers are adopting hybrid cloud to modernize their legacy IT infrastructure5 70%of insurers are increasing GenAI investments to future-proof against market disruptions6 Implementing cloud-native systems to enhance scalability and in

6、novation Deploying AI at scale to overcomefunctional silos Faster time-to-market Improved decision makingsustaining this momentum demandsto achieve Capgemini 2026.All rights reserved.2Capgemini Insurance Top Trends 2026Public InformationOperational efficiencyInsurers are struggling with Siloed data

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1. **三大核心趋势**:保险业2026年聚焦三大互联方向——分销与客户互动、技术创新、运营效率,以应对市场变化。 2. **客户需求驱动**:67%年轻客户偏好线上线下融合(phygital)互动;60%客户愿分享个人数据以获取个性化服务;40%年轻人要求“生存保险”(如健康、现金福利)替代传统寿险。 3. **技术投资加速**:88%保险公司采用混合云升级IT;70%增加生成式AI(GenAI)投入;49%已跨部门部署AI。 4. **运营挑战应对**:数据孤岛(70% insurer视数据质量为关键障碍)、理赔成本上升(医疗费用预计增10%+)、气候风险(41%灾害损失源于强对流风暴)推动现代化。 5. **优先级矩阵**:客户中心化(个性化产品)、数据智能(联邦数据架构)、AI规模化(跨职能整合)为高优先级高影响力趋势。
保险趋势2026? 年轻客户如何吸引? AI如何重塑保险?
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