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德勤(Deloitte):2026印度保险业的现代化重塑研究报告(英文版)(24页).pdf

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1、Modernising Indian insurersFebruary 20262Modernising Indian insurersTable of contentsMessages from the leadership 4Executive summary 6Chapter 1:Indias insurance sector is at a pivotal juncture 8Chapter 2:Seven structural gaps urging tech modernisation 12 Chapter 3:Driving modernisation through archi

2、tectural redesign 14Chapter 4:The way forward 18Connect with us 213Modernising Indian insurersMessages from the leadershipIndias insurance landscape stands at a pivotal juncture,where the convergence of regulatory reforms,digital adoption and rising financialisation is redefining how protection is d

3、elivered to individuals and businesses.Success will depend on how insurers,regulators and industry leaders collaborate to drive technology-led transformation while maintaining continuity,scale and customer-centricity.Global experience highlights three transformation pathways,which include rip and re

4、place,hollow the core and hybrid,each with distinct risk and investment profiles.Regardless of the approach adopted,the key is for insurers to progressively modernise their legacy systems,adopt a modular architecture,enable lead generation through APIs and microservices and implement AI-led decision

5、 engines to transform organisational operations.Modernisation accelerates agility,significantly lowers costs,enhances interoperability and customer trust.Furthermore,when aligned with IRDAIs digital ecosystem,comprising Bima Sugam,Bima Vahak,and Bima Vistaar,it expands its reach to underserved popul

6、ations.Achieving this without disrupting business-as-usual and while adhering to regulatory norms is critical.Indias insurance sector is at a transformative inflexion point,where rising financialisation,regulatory reforms,and digital adoption are reshaping how protection reaches individuals and busi

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1. **行业现状**:印度保险业十年规模增长近6倍(从2万亿至11.9万亿卢比),渗透率仅3.7%,存在效率、包容性和信任三大缺口。 2. **三大转型路径**: - **传统巨头**(57%寿险份额):采用“中空核心”(Hollow the Core),渐进式现代化; - **成熟私企**(42%寿险新单):选择“混合模式”(Hybrid),平衡规模与敏捷性; - **数字新锐**:采用“彻底替换”(Rip and Replace),构建云原生架构。 3. **技术驱动**:通过AI理赔自动化、API微服务、云平台及保险增长套件(IGS)提升效率,与IRDAI的Bima Sugam等数字生态整合,目标2047年实现“全民保险”。 4. **核心挑战**:农村数字化渗透不足2%,投诉量年增20%,理赔自动化率仅45%,需解决数据碎片化、欺诈风险及监管适应性。
保险如何现代化? 数字化有何挑战? 如何实现普惠保险?
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