Neontri&IBM：2026年保险科技：塑造保险业的未来研究报告（英文版）

The insurtech market is surging, with a projected global value exceeding $36 billion in 2025 and growing rapidly year over year. This acceleration marks a turning point. After years of hype and experimentation, insurtech has evolved beyond digital add-ons to become a fundamental part of how insurers operate. AI, automation, IoT, and advanced data models are moving from pilots to large-scale deployments, reshaping underwriting, accelerating claims, and redefining customer engagement. What make