Study business models 4.0

What the insurance industry can learn from other industries

Insurers today still hardly use the possibilities of Predictive Marketing - even though they already have the necessary data base. In doing so, they not only offer sales opportunities, but also the possibility of organizational relief. This is the result of a recent study commissioned by the IT service provider adesso and conducted by the insurance companies Leipzig.

Innovations and new business models are no longer options for additional business, but necessary "hygiene factors". In the German insurance market, the chances of growth are limited - especially in the composite division. At the same time, non-industry companies are pushing into the market and question the tried and tested business models of insurers. The advancing digitisation makes it easier for the market to enter the market and makes industry borders blurred. Even if major regulatory projects such as Solvency II, LVRG, IDD, etc. are currently being claimed by companies, they must now react to the changed market structures with new business models.

It is not enough to optimize individual set screws. Much larger wheels have to be turned and the business models themselves have to be questioned in order not to lose sight of their own business. Digitisation is not only a threat to insurers, but is also a unique opportunity to launch new product, sales and service approaches, thereby actively shaping and moderating the future of the industry.

Get future-oriented thought-provoking ideas and new impulses for your insurance business

In this study, with the inclusion of cross-sectoral developments, we developed forward-looking business model approaches for the areas of product, damage and performance, pricing and underwriting as well as sales and consulting, and discussed with industry experts - a total of twelve board members from insurance companies.

Further information can be found in our studyinfo: PDF (888 KB)

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