1、Shaping the Future of Insurance2026INSURTECHINSURTECH 2026:Shaping the Future of InsuranceThe state of insurtech in 2025 301 Funding,growth,and new hubs:Insurtechs next chapter 402 Key technologies driving the insurtech industry 703 How insurtech is changing the game:Key applications 10AI-powered un

2、derwriting for instant decisions 11Next-gen claims processing driven by AI systems 14Core insurance applications of IBM watsonx 18UBI:Insurance built on behavior,not assumptions 19Event-triggered protection with parametric insurance 23 Risk management and fraud prevention through intelligent analyti

3、cs.29Personalized customer experience powered by AI 3304 The hidden obstacles behind insurance innovation 3605 Regulatory landscape:Innovation under tighter control39Key 2024-2025 regulatory developments 4106 Future outlook:Whats next for insurtech 42Technologies and strategies defining tomorrows wi

4、nners 43How to implement insurtech for maximum business impact 44CONTENTS020605010403The state of insurtech in 2025 The insurtech market is surging,with a projected global value exceeding$36 billion in 2025 and growing rapidly year over year This acceleration marks a turning point After years of hyp

5、e and experimentation,insurtech has evolved beyond digital add-ons to become a fundamental part of how insurers operate AI,automation,IoT,and advanced data models are moving from pilots to large-scale deployments,reshaping underwriting,accelerating claims,and redefining customer engagementWhat makes

6、 2025 different is the convergence of technology,regulation,and economics Investor confidence is returning,with 65%quarter-over-quarter funding growth in Q1 2025 and$6.2 billion in exits in just the first half of the year.At the same time,stricter governance frameworks and rising customer expectatio