凯捷（Capgemini）：2025年全球财产和意外伤害险报告（英文版）（44页）.pdf

1、Scale for tomorrow,today World Report Series 2025Property and Casualty InsuranceThe aging demographic pivot demandsstrategic P&C insurance transformationWorld Property and Casualty Insurance Report 2025Capgemini Research Institute 2025Capgemini Research Institute 20252Table of contents03Foreword04Ex

2、ecutive steering committee14Accelerate business model transformation:Changing risk patterns require urgent innovation06Executive summary26Scale for tomorrow,today:Building capability for an aging,urban world35Partner with Capgemini34Methodology33Conclusion08A rapidly aging population is reshaping th

3、e global economyCapgemini Research Institute 2025World Property and Casualty Insurance Report 20253Unprecedented demographic transformation is occurring worldwide.In a historic first,senior citizens will outnumber youth globally by 2050 excluding a relatively young Africa.The aging population will d

4、rive urbanization and influence evolving consumer preferences;as a result,insurance structures will change across risk,protection,and service delivery.Capgeminis World Property and Casualty Insurance Report 2025,our 18th edition,explores how the world will look in 2050 and what it means for insurers

5、.Demographic change will have far-reaching implications on where people live,how they move,and what they prioritize.The data tell a compelling story.By 2050,as the 60+population grows by 78%,the dependency burden on working-age individuals will increase by 63%,with every four workers supporting one

6、senior dependent.These demographic transformations challenge our existing societal systems.Further,nearly 70%of the global population will live in urban centers(up from 58%today),creating unprecedented risk concentrations.Consumer preferences will also evolve as aging populations prioritize experien