2026 年保险业核心趋势：将行业挑战转化为可持续竞争优势.pptxVIP

CapgeminiFinancialSeΓvicesTopTΓends2026

InsuΓance

JanuaΓy2026

Insurersarestrugglingwith…

•Siloeddataandtraditionalriskmodelsthatslowdecisionsandlimitcompetitiveness

•Surgingcostsasprojectedcatastrophelossesriseby5–7%andmedicalexpensesby10%+in20253,4

…totacklethis,they’refocusingon…

•Orchestratingenterprisedataforreal-time,intelligentinsights

•Implementingpredictiveanalyticstoenhanceriskunderstanding

•Creatingcollaborativeworkflowstoenabletransparencyandfasterdecisionmaking

…todrive

•Costreduction

•Streamlinedoperations

•Improvedservicequality

Thepaceofinnovationisintensifyingas…

•88%ofinsurersareadoptinghybridcloudtomodernizetheirlegacyITinfrastructure5

•70%ofinsurersareincreasingGenAIinvestmentstofuture-proofagainstmarketdisruptions6

…sustainingthismomentumdemands…

•Implementingcloud-nativesystemstoenhancescalabilityandinnovation

•DeployingAIatscaletoovercomefunctionalsilos

…toachieve

•Fastertime-to-market

•Improveddecisionmaking

2025;3.SwissRe;4.Aon:TheGlobalMedicalTrendRatesReport2025;5.CapgeminiWorldCloudReport-FinancialServices2026ExecutiveSurvey;

#FinancialServicesTrends2026

•Policyholdersatisfaction

•Agentproductivity

•Cross-andup-sellopportunities

Source:1.CapgeminiWorldLifeInsuranceReport2026;2.CapgeminiWorldWealthReport

6.CapgeminiAI-poweredbusinessoperationssurvey2025;CapgeminiResearchInstituteforFinancialServicesanalysis,2025.

Ourinsurancetoptrends

Distributionandengagement

•Empoweringagentswithactionable,data-driveninsights

•Partneringwithecosystemplayersforembeddedofferings

•Offeringmodularpoliciestailoredtocustomers’lifestyles

•As67%ofnext-geninsurancecustomerspreferphygitalengagementovertraditionalchannels1

•WithUSD83.5Tnexpectedtochangehandsby2048,ope