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Europe Digital Insurance Market Research Report by Insurance Type [Life Insurance, Health Insurance, Property and Casualty (Travel Insurance, Commercial Insurance, Other Specialty and Niche Insurance)], by Application (Policy Management, Claims Processing

Publisher Market Research Future
Published Nov 28, 2025
Length 150 Pages
SKU # RESFT20678785

Description

In 2035, the Europe Digital Insurance Market is expected to attain a valuation of USD 556.4 billion, driven by steady growth at a CAGR of 7.2% from 2025 to 2035. Market growth in Europe is being spurred by the increased application of AI, data analytics, and the use of online insurance platforms.

Embedded Insurance 2.0 Driving Market Transformation
Embedded Insurance 2.0 is the main engine behind the rapid market growth, which is mainly due to the fact that the new insurance services are bundled immutable with digital on-demand. Using this ecosystem-based method not only extends the coverage, but it also helps increase personalization and adoption.

Segmentation Overview of Digital Insurance
Insurance Type
• Life Insurance: Technology-driven long-term insurance products
• Health Insurance: Digitally enabled health coverage solutions
• Property & Casualty Insurance: Digital protection across asset classes
Application
• Policy Management: End-to-end digital policy control
• Claims Processing & Management: Fast, paperless claims handling
• Customer Service or Engagement: Digital engagement and support tools
• Fraud Detection & Risk Assessment: Advanced analytics for risk control
• Premium Collection or Billing: Efficient digital billing mechanisms
• Regulatory Reporting or Compliance: Streamlined digital compliance processes
• Others: Supportive insurance technology services
Technology Used
• AI & ML: Automated intelligence for insurance operations
• IoT: Live data for dynamic risk assessment
• Blockchain: Secure decentralized insurance data systems
• Big Data & Predictive Analytics: Data-backed pricing and forecasting
• Others: Innovative emerging insurtech tools
Distribution Channel
• Direct Sales: Digital insurer-to-customer sales
• Online Aggregators or Marketplaces: Platform-based insurance purchasing
• Brokers or Agents (Digital-Enabled): Hybrid digital-human distribution
• Embedded Insurance: Seamless insurance within digital journeys
End-User / Customer
• Business or Commercial: Corporate-focused digital insurance adoption
• Individuals or Personal: User-centric personal insurance solutions
• Government Entities: Digitally managed public insurance
• Non-Profit Organizations: Coverage tailored for non-profits

Strategic Value Drivers and Market Barriers
The achievement of success in the market is marked by technological leadership, scale, and operational efficiency. Nonetheless, high costs of technology and training generate entry barriers for small insurers.

Key Report Attributes
• Market Size 2024: USD 264.6 Billion
• Market Size 2035: USD 556.4 Billion
• CAGR (2025-2035): 7.2%
• Base Year: 2024
• Market Forecast Period: 2025-2035

Industry Segmentations Growth
• Insurance Type: Life Insurance - 6.8%, Health Insurance - 7.5%.
• Application: Policy Management - 7.2%, Claims Processing and Management - 7.7%.
• Technology Used: Artificial Intelligence (AI) and Machine Learning (ML) - 7.6%, Internet of Things (IoT) - 7.3%.
• Distribution Channel: Direct Sales - 7.4%, Online Aggregators or Marketplaces - 7.5%.
• End-Use/ Customer: Business or Commercial - 7.4%, Individuals or Personal - 7.2%.

Table of Contents

150 Pages
1 Executive Summary
1.1 Market Overview:
1.2 Market Segmentation
1.3 Competitive Landscape
1.4 Future Outlook
2 Market Introduction
2.1 Definition
2.2 Scope Of The Study
2.3 Research Objective
2.4 Market Structure
3 Research Methodology
3.1 Overview
3.2 Data Flow
3.2.1 Data Mining Process
3.3 Purchased Database:
3.4 Secondary Sources:
3.4.1 Secondary Research Data Flow:
3.5 Primary Research:
3.5.1 Primary Research Data Flow:
3.6 Approaches For Market End User Estimation:
3.6.1 Revenue Analysis Approach
3.6.2 Data Forecasting
3.6.3 Data Forecasting Technique
3.7 Data Modeling
3.7.1 Microeconomic Factor Analysis:
3.7.2 Data Modeling:
3.8 Teams And Analyst Contribution
4 Market Dynamics
4.1 Introduction
4.2 Drivers
4.2.1 Demand For Enhanced Customer Experience
4.2.2 Strategic Partnerships: Connected Embedded Finance Ecosystems
4.2.3 Rising Motor Insurance & Usage-based Insurance (Ubi)
4.2.4 Rise Of Embedded Insurance 2.0 (Ei 2.0)
4.2.5 Demand For Sustainability And Esg-driven Products
4.3 Restraints
4.3.1 Managing Ai Challenges In The Insurance Industry
4.3.2 Cybersecurity And Data Privacy Risks
4.3.3 Legacy System Integration And Adoption To New Models
4.3.4 Resistance To Change Within Traditional Insurance Companies
4.4 Opportunity
4.4.1 Use Of Advanced Analytics And Ai
4.4.2 Integration Between New Insurtech Platforms And Existing Systems Helped By: Rise Of Api Insurtech
4.4.3 Emphasis On Parametric Insurance
4.4.4 Blockchain Based Insurance Solutions
4.4.5 Digital Health–linked Insurance Products
5 Market Factor Analysis
5.1 Value Chain Analysis
5.1.1 Independent Platform/ Integration
5.1.2 Independent/ Platform Integration
5.1.3 Distribution Partner
5.1.4 End User
5.2 Porter’s Five Forces Model
5.2.1 Threat Of New Entrants (Moderate To High)
5.2.2 Bargaining Power Of Suppliers (Moderate To High)
5.2.3 Threat Of Substitutes (High)
5.2.4 Bargaining Power Of Buyers (High)
5.2.5 Intensity Of Rivalry (High)
6 Europe Digital Insurance Market, By Insurance Type
6.1 Introduction
6.2 Life Insuarnce
6.3 Health Insuarnce
6.4 Property And Casualty (P&C)
6.4.1 Travel Insurance
6.4.2 Commercial Insurance
6.4.3 Specialty & Niche Insurance
7 Europe Digital Insurance Market, By Application
7.1 Introduction
7.2 Policy Management
7.3 Claims Processing And Management
7.4 Customer Service Or Engagement
7.5 Fraud Detection And Risk Assessment
7.6 Premium Collection Or Billing
7.7 Regulatory Reporting Or Compliance
7.8 Others
8 Europe Digital Insurance Market, By Technology Used
8.1 Introduction
8.2 Artificial Intelligence & Machine Learning (Ai & Ml)
8.3 Internet Of Things (Iot)
8.4 Blockchain
8.5 Big Data & Predictive Analytics
8.6 Others
9 Europe Digital Insurance Market, By Distribution Channel
9.1 Introduction
9.2 Direct Sales
9.3 Online Aggregators / Marketplaces
9.4 Brokers / Agents (Digital-enabled)
9.5 Embedded Insurance
10 Europe Digital Insurance Market, By End-user/Customer
10.1 Introduction
10.2 Business / Commercial
10.3 Individuals / Personal
10.4 Government Entities
10.5 Non-profit Organizations
11 Europe Digital Insurance Market, By Country
11.1 Overview
11.2 Germany
11.3 Uk
11.4 France
11.5 Italy
11.6 Spain
11.7 Russia
11.8 Rest Of Europe
11.9 Germany
11.10 Uk
11.11 France
11.12 Russia
11.13 Italy
11.14 Spain
11.15 Rest Of Europe
12 Competitive Landscape
12.1 Introduction
12.2 Market Share Analysis, 2024
12.3 Competitor Dashboard
12.4 Key Developments & Growth Strategies
12.4.1 Industry Key Development
13 Company Profiles
13.1 Allianz Se
13.1.1 Company Overview
13.1.2 Product Offered
13.1.3 Swot Analysis
13.1.4 Financial Analysis
13.1.5 Key Strategy
13.2 Axa Group
13.2.1 Company Overview
13.2.2 Product Offered
13.2.3 Swot Analysis
13.2.4 Financial Analysis
13.2.5 Key Strategy
13.3 Getsafe Digital Gmbh
13.3.1 Company Overview
13.3.2 Product Offered
13.3.3 Swot Analysis
13.3.4 Key Strategy
13.4 Bnp Paribas Cardif
13.4.1 Company Overview
13.4.2 Products Offered
13.4.3 Swot Analysis
13.4.4 Financial Analysis
13.4.5 Key Strategy
13.5 Assicurazioni Generali S.P.A
13.5.1 Company Overview
13.5.2 Product Offered
13.5.3 Swot Analysis
13.5.4 Financial Analysis
13.5.5 Key Strategy
13.6 Zurich Insurance Grp
13.6.1 Company Overview
13.6.2 Product Offered
13.6.3 Swot Analysis
13.6.4 Financial Analysis
13.6.5 Key Strategy
13.7 Aviva Plc
13.7.1 Company Overview
13.7.2 Produts Offered
13.7.3 Swot Analysis
13.7.4 Financial Analysis
13.7.5 Key Strategy
13.8 Admiral Group Plc
13.8.1 Company Overview
13.8.2 Product Offered
13.8.3 Swot Analysis
13.8.4 Financial Analysis
13.8.5 Key Strategy
13.9 Wefox
13.9.1 Company Overview
13.9.2 Product Offered
13.9.3 Swot Analysis
13.9.4 Financial Analysis
13.9.5 Key Strategy
13.10 Ageas
13.10.1 Company Overview
13.10.2 Product Offered
13.10.3 Swot Analysis
13.10.4 Financial Analysis
13.10.5 Key Strategy
13.11 Dfv Deutsche Familienversicherung Ag
13.11.1 Company Overview
13.11.2 Product Offered
13.11.3 Swot Analysis
13.11.4 Key Strategy
13.12 Direct Life Group
13.12.1 Company Overview
13.12.2 Products Offered
13.12.3 Swot Analysis
13.12.4 Financial Analysis
13.12.5 Key Strategy
13.13 R+V Versicherung Ag
13.13.1 Company Overview
13.13.2 Product Offered
13.13.3 Swot Analysis
13.13.4 Key Strategy
13.14 Cnp Assurances
13.14.1 Company Overview
13.14.2 Products Offered
13.14.3 Swot Analysis
13.14.4 Key Strategy
13.15 Mapfre Sa
13.15.1 Company Overview
13.15.2 Products Offered
13.15.3 Swot Analysis
13.15.4 Key Strategy
List Of Tables
Table 1 Europe Digital Insurance Market, By Insurance Type, 2019-2035 (Usd Billion
Table 2 Europe Digital Insurance Market, By Application, 2019-2035 (Usd Billion)
Table 3 Europe Digital Insurance Market, By Technology Used, 2019-2035 (Usd Billion)
Table 4 Europe Digital Insurance Market, By Distribution Channel, 2019-2035 (Usd Billion)
Table 5 Europe Digital Insurance Market, By End-user/Customer, 2019-2035 (Usd Billion)
Table 6 Europe Digital Insurance Market, By Country, 2019-2035 (Usd Billion)
Table 7 Germany Digital Insurance Market, By Insurance Type, 2019-2035 (Usd Billion)
Table 8 Germany Digital Insurance Market, By Application, 2019-2035 (Usd Billion)
Table 9 Germany Digital Insurance Market, By Technology Used, 2019-2035 (Usd Billion)
Table 10 Germany Digital Insurance Market, By Distribution Channel, 2019-2035 (Usd Billion)
Table 11 Germany Digital Insurance Market, By End-user /Customer, 2019-2035 (Usd Billion)
Table 12 Uk Digital Insurance Market, By Insurance Type, 2019-2035 (Usd Billion)
Table 13 Uk Digital Insurance Market, By Application, 2019-2035 (Usd Billion)
Table 14 Uk Digital Insurance Market, By Technology Used, 2019-2035 (Usd Billion)
Table 15 Uk Digital Insurance Market, By Distribution Channel, 2019-2035 (Usd Billion)
Table 16 Uk Digital Insurance Market, By End-user /Customer, 2019-2035 (Usd Billion)
Table 17 France Digital Insurance Market, By Insurance Type, 2019-2035 (Usd Billion)
Table 18 France Digital Insurance Market, By Application, 2019-2035 (Usd Billion)
Table 19 France Digital Insurance Market, By Technology Used, 2019-2035 (Usd Billion)
Table 20 France Digital Insurance Market, By Distribution Channel, 2019-2035 (Usd Billion)
Table 21 France Digital Insurance Market, By End-user /Customer, 2019-2035 (Usd Billion)
Table 22 Russia Digital Insurance Market, By Insurance Type, 2019-2035 (Usd Billion)
Table 23 Russia Digital Insurance Market, By Application, 2019-2035 (Usd Billion)
Table 24 Russia Digital Insurance Market, By Technology Used, 2019-2035 (Usd Billion)
Table 25 Russia Digital Insurance Market, By Distribution Channel, 2019-2035 (Usd Billion)
Table 26 Russia Digital Insurance Market, By End-user /Customer, 2019-2035 (Usd Billion)
Table 27 Italy Digital Insurance Market, By Insurance Type, 2019-2035 (Usd Billion)
Table 28 Italy Digital Insurance Market, By Application, 2019-2035 (Usd Billion)
Table 29 Italy Digital Insurance Market, By Technology Used, 2019-2035 (Usd Billion)
Table 30 Italy Digital Insurance Market, By Distribution Channel, 2019-2035 (Usd Billion)
Table 31 Italy Digital Insurance Market, By End-user /Customer, 2019-2035 (Usd Billion)
Table 32 Spain Digital Insurance Market, By Insurance Type, 2019-2035 (Usd Billion)
Table 33 Spain Digital Insurance Market, By Application, 2019-2035 (Usd Billion)
Table 34 Spain Digital Insurance Market, By Technology Used, 2019-2035 (Usd Billion)
Table 35 Spain Digital Insurance Market, By Distribution Channel, 2019-2035 (Usd Billion)
Table 36 Spain Digital Insurance Market, By End-user /Customer, 2019-2035 (Usd Billion)
Table 37 Rest Of Europe Digital Insurance Market, By Insurance Type, 2019-2035 (Usd Billion)
Table 38 Rest Of Europe Digital Insurance Market, By Application, 2019-2035 (Usd Billion)
Table 39 Rest Of Europe Digital Insurance Market, By Technology Used, 2019-2035 (Usd Billion)
Table 40 Rest Of Europe Digital Insurance Market, By Distribution Channel, 2019-2035 (Usd Billion)
Table 41 Rest Of Europe Digital Insurance Market, By End-user /Customer, 2019-2035 (Usd Billion)
Table 42 Industry Key Development
Table 43 Allianz Se: Types Offered
Table 44 Axa Group: Product Offered
Table 45 Getsafe Digital Gmbh: Product Offered
Table 46 Bnp Paribas Cardif: Produts Offered
Table 47 Assicurazioni Generali S.P.A: Types Offered
Table 48 Zurich Insurance Grp: Types Offered
Table 49 Aviva Plc: Produts Offered
Table 50 Admiral Group Plc: Types Offered
Table 51 Wefox: Types Offered
Table 52 Ageas: Product Offered
Table 53 Dfv Deutsche Familienversicherung Ag: Product Offered
Table 54 Direct Life Group: Produts Offered
Table 55 R+V Versicherung Ag: Types Offered
Table 56 Cnp Assurances: Produts Offered
Table 57 Mapfre Sa: Produts Offered
List Of Figures
Figure 1 Europe Digital Insurance Market Segmentation
Figure 2 Driver Impact Analysis (2024-2035)
Figure 3 Value Chain Analysis
Figure 4 Porter’s Five Forces Model: Europe Digital Insurance Market
Figure 5 Europe Digital Insurance Market: Competitive Analsis, 2024
Figure 6 Competitor Dashboard: Europe Digital Insurance Market
Figure 7 Allianz Se: Swot Analysis
Figure 8 Axa Group: Swot Analysis
Figure 9 Getsafe Digital Gmbh: Swot Analysis
Figure 10 Bnp Paribas Cardif: Swot Analysis
Figure 11 Assicurazioni Generali S.P.A: Swot Analysis
Figure 12 Zurich Insurance Grp: Swot Analysis
Figure 13 Aviva Plc: Swot Analysis
Figure 14 Admiral Group Plc: Swot Analysis
Figure 15 Wefox: Swot Analysis
Figure 16 Ageas: Swot Analysis
Figure 17 Dfv Deutsche Familienversicherung Ag: Swot Analysis
Figure 18 Direct Life Group: Swot Analysis
Figure 19 R+V Versicherung Ag: Swot Analysis
Figure 20 Cnp Assurances: Swot Analysis
Figure 21 Mapfre Sa: Swot Analysis

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