立足当下，布局未来：人口老龄化转型下产险行业的战略变革路径.pptxVIP

Scalefortomorrow,today

Theagingdemographicpivotdemands

strategicPCinsurancetransformation

REEARCHNTTUTE

WorldReportSeries2025

PΓopeΓtyandCasualtyInsuΓance

Arapidlyagingpopulationisreshapingthe

globaleconomy

33

Tableof

contents

Executivesummary

26

Executivesteeringcommittee

14

Acceleratebusinessmodeltransformation:Changingriskpatternsrequire

urgentinnovation

Scalefortomorrow,today:Buildingcapabilityforanaging,urbanworld

Foreword

08

PartnerwithCapgemini

04

06

34

03

35

WorldPropertyandCasualtyInsuranceReport2025

Methodology

CapgeminiResearchInstitute2025

Conclusion

2

By2050,demographicshiftswillfundamentallytransformPC

insurance.Forthefirsttimeinhumanhistory,seniorswilloutnumberyouth–withtheglobalpopulationaged60+growingby72%whiletheunder-20populationdeclinesby16%,outsideofAfrica.This

historictransitionwillcreateunprecedentedrisklandscapesanddemandnewinsurancebusinessmodels.

Capgemini’s2025WorldPropertyandCasualtyInsuranceReportexploreshowinsurerscanturndemographicchangeinto

acompetitiveadvantage.

Arapidlyagingpopulationisreshapingtheglobaleconomy

Threeconvergingforcesareredefiningriskprofiles

andmarketdynamics:

•Agingpopulation:By2050,theglobaldependencyratiowillriseto26%fromtoday’s16%level,meaningthatforevery100

working-agepeople,therewillbe26seniorstosupportinsteadoftoday’s16–a63%increasesuretotransformsocialstructures,

consumerbehaviors,andeconomicpatterns.

•Locationchanges:Urbanizationwillreach68%globallyby

2050,withalmosthalfofurbandwellersovertheageof50.

Thisdemographicshiftwillcreateunprecedentedwealthandriskconcentrationinurbanareaswhilereshapingmobilityandhousingneeds.

•Consumerpriorities:Demographicsdrivechangingconsumption,with45%ofconsumersshiftingspendingtow