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保险科技独角兽成第三季度保险行业融资领军力量

国际资讯投融资

保险科技独角兽成第三季度保险行业融资领军力量

2018年第三季度,保险科技融资主要由"独角兽"(估值超过10亿美元)的保险科技创企带动,因为达到独角兽规模的创企通常需要大量资本来实现早期融资轮中对投资者的承诺。

产品开发需要资本投资,尤其是人工智能和机器学习方面需要大量技术专家;营销也需要投资才能获得并留存客户且让他们满意。

许多保险科技独角兽希望用颠覆式的方法来打造保险客户关系、提供保险产品和风险转移服务。他们筹得的资金数额越来越惊人。

CB Insights在其2018第三季度《全球fintech报告》中点出了这一趋势。

CB Insights指出,保险科技融资数额第三季度由该领域的独角兽们超大融资轮带动。

这意味着第三季度保险科技公司的平均风投轮金额比上一季度高得多。交易数量少一笔但总金额是上一季度的一倍。

领衔者是谷歌母公司Alphabet投资3亿7500万美元于健康保险科技创企Oscar Health。

Oscar2018年与安盛国际员工福利部达成了重要的多年再保险数额比例协议。

其他大额融资交易包括Metromile Inc.9000万美元的E轮融资(由Tokio Marine Holdings 和Intact Financial牵头)和Root的1亿美元融资轮。

随着保险科技创企增大规模并努力加速扩大产品开发以获得增长,大型融资轮的趋势会持续。

同时,保险科技创企获客也需要资金,因为他们需要更多的客户来彰显自己商业模式的可行性;随之这些创企在客户支持方面也要加大投入。

融资无法解决的就是一些保险科技公司目前面临的不可持续的损失率。

Insurance technology funding in the third-quarter of 2018 was driven by the needs of so-called “unicorns”, typically defined as insurtech start-ups valued at over $1 billion, as these high-growth tech companies need capital to drive growth.

Start-ups that achieve unicorn status tend to need large amounts of capital to help them deliver on promises made to investors in earlier funding rounds.

Product development needs capital investment, especially when it involves significant technical expertise in delivering artificial intelligence and machine learning, as too does marketing to drive customer acquisition and retention, as well as customer satisfaction.

With many of the insurtech unicorns looking to deliver game-changing approaches to building policyholder relationships, delivering insurance and providing risk transfer, the amount of funding these start-ups are raising is increasing significantly.

CB Insights highlighted this trend in its latest quarterly Global Fintech Report for Q3 2018.

The company noted that insurtech funding volume in Q3 was boosted by the provision of mega-funding rounds to insurtech unicorns during the period.

What this means is the average size of venture funding round for insurtechs was considerably higher during the quarter, as despite their only being one less deal struck in the quarter, the amount of funding raised by insurtechs was not far off double the previous quarter.

Leading the way with its funding round in the third-quarter of 2018 was the deal that saw Google’s parent Alphabet investing $375 million in heath insurtech start-up Oscar Health.

Oscar has also arranged an all-important multi-year quota share reinsurance arrangement with AXA’s International Employee Benefits Division in 2018.

Other big funding rounds seen in Q3 were a $90 million round for Series E funding round for Metromile Inc. (which was led  by Tokio Marine Holdings and Intact Financial), as well as a $100 million round for insurtech Root.

We’re likely to see this trend, of larger funding rounds, continue as insurtech start-ups begin to gain some scale and look to drive their product development roadmaps further and faster, in order to satisfy their appetites for growth.

At the same time insurtech start-ups are going to require funding to drive customer acquisition as well, given this is how they need to demonstrate the viability of their business models, following on from which insurtechs are likely to need to double-down on their customer support activities as well.

The one thing that funding will likely not assist with is the unsustainable loss ratios that some insurtechs are dealing with today.

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