超越传统保险：以创新支持颠覆性商机.pdf

Beyond insurance: Embracing innovation to monetize discruption “The king is dead, long live the king!” was the cry that went up from the people as one royal regime passed to the next. In a similar way we might say, “Insurance is dead, long live insurance!” There is little doubt that, although the existing business model for insurance continues to meet an important customer need and remains a tremendous source of revenue, its long-term health is questionable. Farsighted carriers are helping to create a new regime—business models that will take firms well beyond their current activities and revenue streams. 1 Accenture’s Digital Innovation Survey has identified a group of about 25 percent of carriers—we call them the Digital Transformers—who have started this process of reinvention. They’re looking beyond insurance, optimizing their current model where possible, but also innovating and diversifying their portfolio of capabilities. Among those capabilities are two important growth options. • In the commercial space, insurers should be working closely with technology innovators to make new products and services safe realities—much as Lloyd’s of London and other carriers helped to transform the risky shipping business into a global industry centuries ago. • In personal insurance, a carrier can become a trusted advisor to customers—like a “life coach”—helping them manage their risks but also helping them manage the complexities of their lives. It’s important to remember that a ruling regime did not always pass to the next one in a peaceful manner. Sometimes it was conquered. Competitive threats are at the gates of the current insurance business model. It’s time to take swift action. 2 An industry at risk In the U.S. alone, the insurance industry wrote net premiums • Technology innovation will make some aspects of totaling more than $1 trillion in 2014.