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埃森哲: 2017年保险科技投资激增,欧洲成为又一行业中心

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埃森哲: 2017年保险科技投资激增,欧洲成为又一行业中心

此前,埃森哲对CB Insights(2017)的保险科技交易数据进行了分析,并撰写了一篇名为《创新无惧:保险科技-保险业内部变革的催化剂》(Fearless Innovation: Insurtech as the Catalyst for Change Within Insurance)的行业报告。

报告显示,2017年全球保险科技交易量增加了39%,交易总价值上涨了32%,达23亿美元。

尽管北美在交易总值与数量上仍遥遥领先,达12.4亿美元,占去年全球交易量的46%,但该区2017年交易额增速仅为6%。而欧洲交易量增幅为118%,占全球保险科技总交易量的三分之一,交易总值更是增幅惊人,达385%,跃至6.79亿美元。亚太地区投资增幅同样显著,交易值上涨169%,增至3.58亿美元,交易量增加27%。

英国脱欧带来的不确定性暂且按下不表,该国仍然是欧洲保险科技中心,2017年完成交易41起,过去两年总增幅达117%。2017年交易值也大幅增长,针对在英企业的投资额从2016年的1900万美元提升至3.64亿美元。

报告称,保险科技应成为保险业创新的催化剂。传统保险企业需意识到与保险科技创企合作仅是变革的一部分,创新根本上需扎根于其组织内部。

研究发现,财产险和意外险是2017年保险科技投资最热领域,占全球总投资的42%,多线保险(26%)与健康险(18%)分列二三位。个人保险在保险科技投资中占比超三分之二(68%),商业险与混合险占比分别为26%与6%。

从产业链的角度看,保险科技投资方面,营销与销售在各领域均处于领先地位,占全球交易总量的一半以上(53%)。

报告表示,传统保险企业正迅速地支持新兴科技企业的发展,过去五年,传统保险企业参与风险投资的比例达63%。此类投资最常见的领域为健康与数字健康(占14%)、物联网(13%)、以及大数据与分析(9%)。

埃森哲全球理赔部负责人Michael Costonis表示:"保险科技已不再只是私募与风投的目标,它已成为全球性现象。在帮助重塑行业技术格局、投资可穿戴设备与远程信息技术之外的领域以抓住销售内生机遇从而改善用户体验等方面,保险企业发挥着巨大的作用。对保险企业来说,下一步应将保险科技当作革新整个组织的跳板。毕竟,整个保险业体量约为4.2万亿美元,23亿美元不过是九牛一毛。

研究方法:埃森哲分析了全球企业融资数据与分析公司CB Insights保险科技投资数据。分析囊括了风投与私募公司、企业与企业风投部门、对冲基金、加速器与政府资金的全球融资活动。投资数据跨越2010-2017年,涵盖股权融资与非股权融资。

Global investment in the insurance technology (insurtech) industry surged in 2017, with Europe emerging as a new insurtech hub outside the U.S., according to new research from Accenture (NYSE: ACN).

The research, which includes new analysis of CB Insights data on insurtech deals over the last year, appears in a new Accenture report titled “Fearless Innovation: Insurtech as the Catalyst for Change Within Insurance.”

According to the report, the number of insurtech deals increased 39 percent globally in 2017, with the total value of deals up 32 percent, to US$2.3 billion.

While North America still leads in terms of both the total value and number of deals – accounting for US$1.24 billion, or 46 percent of deals last year – the number of deals there grew only 6 percent in 2017. In Europe, however, the number of deals increased 118 percent, accounting for one-third of all insurtech deals globally, and the total value of deals there jumped an astounding 385 percent, to US$679 million. Asia-Pacific saw a significant increase in funding, with a 169 percent rise in deal values, to US$358 million, with the number of deals rising 27 percent.

Despite the uncertainty around the U.K.’s vote to leave the European Union, the nation continues its emergence as Europe’s insurtech capital, with 41 deals in 2017, representing total growth of 117 percent over the last two years. Deal values vastly increased in 2017, with US$364 million invested in UK-based insurtechs, up from US$19 million the year before.

The report argues that insurtech should serve as a catalyst for innovation across the insurance industry, but traditional insurers must recognize that collaborating with insurtech startups is just one part of this process. Ultimately, innovation needs to become engrained throughout their organizations.

“The insurtech industry’s rapid growth reflects investors’ response to consumer appetite for change in an industry sitting on trapped value,” said Roy Jubraj, Accenture's UK and Ireland Insurance Strategy and Innovation lead. “At the same time, however, insurers must recognize that insurtech investments alone can’t deliver the levels of change and innovation the industry requires or that its customers expect. The key is having an enterprise-wide innovation strategy that transforms the core business and enables the company to drive growth.”

The research reveals that property and casualty was the most popular insurance segment for insurtech investments in 2017, accounting for 42 percent of global investments, with multiline (26 percent) and health (18 percent) rounding out the top three. Personal lines accounted for more than two-thirds (68 percent) of insurtech investments, with commercial lines and mixed applications accounting for 26 percent and 6 percent, respectively.

From a value chain perspective, marketing and distribution led all areas in terms of insurtech investment, accounting for more than half (53 percent) of deals globally. This is evident in the number of startups pitching slick, app-based sales and distribution experiences, as well as those improving the customer claims journey through mobile photo-evidencing or chatbot First Notification of Loss.

The report reveals that traditional insurers are quickly getting behind emerging technology companies, as the percentage of traditional insurers’ participating in venture capital investments is up 63 percent over the last five years. The most common areas for these investments were health and digital health (14 percent of such investments), the internet of things (13 percent), and big data and analytics (9 percent).

“Insurtech is no longer just a target for private equity and venture capital — it’s a global phenomenon,” said Michael Costonis, who leads Accenture’s Insurance practice globally. “Insurers are playing a big role in helping reshape the technology landscape across the industry, making investments beyond wearables and telematics to seize the opportunity that exists within distribution to strengthen the customer experience. The next step for insurers is to use insurtech as a springboard to innovate across their entire organization. After all, $2.3 billion is a small slice of the pie when you consider that insurance is a $4.2 trillion industry.”

Methodology: Accenture analyzed insurtech investment data from CB Insights, a global venture-finance data and analytics firm. The analysis included global financing activity from venture-capital and private-equity firms, corporations and corporate venture-capital divisions, hedge funds, accelerators, and government-backed funds. The investment data ranged from 2010 through 2017 and included equity and non-equity financing.

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