{"id":39835,"date":"2023-01-01T16:31:00","date_gmt":"2023-01-01T16:31:00","guid":{"rendered":"https:\/\/www.elixirr.com\/?p=39835"},"modified":"2025-10-30T14:01:03","modified_gmt":"2025-10-30T14:01:03","slug":"2023-trends-insurance","status":"publish","type":"post","link":"https:\/\/www.elixirr.com\/en-gb\/2023-trends-insurance\/","title":{"rendered":"2023 trends: insurance"},"content":{"rendered":"\n<p>Partners <a href=\"https:\/\/www.elixirr.com\/person\/ben-gower\/\" target=\"_blank\" rel=\"noreferrer noopener\">Ben Gower<\/a> and <a href=\"https:\/\/www.elixirr.com\/person\/daniel-garsin\/\" target=\"_blank\" rel=\"noreferrer noopener\">Dan Garsin<\/a> share their thoughts on what the next year will bring for the insurance industry and which \u2018no regrets\u2019 moves to make to ensure you aren\u2019t left behind.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-fighting-fit\"><strong>Fighting Fit:<\/strong><\/h2>\n\n\n\n<p id=\"h-fighting-fit-following-a-relatively-brutal-year-in-terms-of-claims-for-many-insurers-if-you-aren-t-putting-measures-in-place-to-tighten-your-belt-you-should-be-you-don-t-even-need-to-take-a-hit-on-customer-experience-or-the-experience-of-your-teams-this-year-we-ve-already-helped-insurers-bank-savings-of-4-8x-the-investment-in-finding-and-realising-them-from-rationalising-facilities-to-squeezing-the-tail-end-supplier-spend-there-are-lots-of-opportunities-to-optimise-your-cost-base\">Following a relatively brutal year in terms of claims for many insurers, if you aren\u2019t putting measures in place to tighten your belt, you should be. You don\u2019t even need to take a hit on customer experience or the experience of your teams. This year we\u2019ve already helped insurers bank savings that are <em>four to eight times<\/em> the investment made to find and realise the savings. From rationalising facilities to squeezing the tail-end supplier spend, there are lots of opportunities to optimise your cost base.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>From Hype to Results:<\/strong><\/h2>\n\n\n\n<p>Hype around AI\/ML has led to a proliferation of automation activities across companies, resulting in little to no gains. It\u2019s time to focus efforts and make sure you\u2019ve got a scalable approach, so you actually see results from automation and AI\/ML initiatives. This means no more flirting with AI and ML use cases, but a robust focus on returns. The opportunities are vast \u2013 claims eligibility and adjudication in the health insurance space is estimated to be worth&nbsp;<a href=\"https:\/\/www.birlasoft.com\/articles\/17-ai-and-ml-use-cases-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">$5.2bn annually alone.<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Prevention and Recovery:<\/strong><\/h2>\n\n\n\n<p>While<strong>&nbsp;<\/strong>debates continue over the role of telematics in P&amp;C, there\u2019s no doubt wearables have had a huge impact in the health space. Real-time health data has helped&nbsp;health insurers&nbsp;<a href=\"https:\/\/www.cigniti.com\/blog\/iot-insurance-use-cases-benefits\/#:~:text=Insurers%20use%20this%20real%2Dtime,data%20available%20to%20life%20insurance.&amp;text=Life%20insurers%20can%20utilize%20this,picture%20of%20a%20customer's%20health.\" target=\"_blank\" rel=\"noreferrer noopener\">see a 68% drop in life insurance claims and a 20% increase in physical activity among policyholders<\/a>. But preventative measures aren\u2019t just a trend in health insurance.&nbsp;<\/p>\n\n\n\n<p>P&amp;C customers and brokers increasingly want to see preventative measures included in the service from their insurers. And as well as prevention, insurers need to help businesses get back on their feet following an adverse event.&nbsp;<a href=\"https:\/\/floodflash.co\/2022-commercial-risk-report\/\" target=\"_blank\" rel=\"noreferrer noopener\">Business in the Community have calculated that 40% of SMEs that experience a catastrophic flood event don\u2019t open again<\/a>. Claims processes focused on recovery are on the rise which is good news for policyholders and society alike.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Getting Embedded:<\/strong><\/h2>\n\n\n\n<p>Whether it\u2019s buying a holiday, a car or a house, increasingly insurance is available there and then, not as a separate journey and interaction. This embedding of insurance within other journeys is expected to grow 31.9% annually for much of the next decade, representing 25% of global premiums by 2030. If you aren\u2019t working out how you\u2019re approaching the opportunities and challenges embedded insurance poses, you\u2019re going to fall behind.&nbsp;<\/p>\n\n\n\n<p>Hand in hand with embedded insurance, comes ecosystems, which are estimated to be the basis for 30% of global insurance revenues by 2025. A good example is the partnership between Discovery and Vitality. Discovery\u2019s customers access Vitality\u2019s health insurance products through their business insurance, providing tools to incentivise and reward healthy habits of employees, creating a healthier and more productive workforce. Such mutually beneficial relationships are what are powering ecosystem growth in the insurance industry.<\/p>\n\n\n\n<p>So\u2026 start 2023 without regrets by making sure you\u2019ve got your bases covered for the year. Trim unnecessary costs, drive results from AI\/ML, be known for helping customers protect themselves and recover, and make sure you\u2019ve got a plan for embedding yourself in the experiences of your customers and wider insurance ecosystem.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.elixirr.com\/contact\/\" target=\"_blank\" rel=\"noreferrer noopener\">Get in touch<\/a> today to get started. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Partners Ben Gower and Dan Garsin share their thoughts on what the next year will bring for the insurance industry and which \u2018no regrets\u2019 moves to make to ensure you&hellip;<\/p>\n","protected":false},"author":1,"featured_media":39842,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[116],"tags":[338,104],"related_service":[],"related_industry":[60],"class_list":["post-39835","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-2023-trends","tag-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>2023 trends: insurance - Elixirr<\/title>\n<meta name=\"description\" content=\"Partners Ben and Dan share their thoughts on what the next year will bring for the insurance industry so you can stay ahead of the game.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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18.3543 13.9531C18.6442 13.7827 18.9735 13.6951 19.3078 13.6994C19.6421 13.7037 19.9692 13.7998 20.2548 13.9776L33.4237 22.0406C33.6981 22.2166 33.9244 22.461 34.0812 22.751C34.238 23.0409 34.3203 23.3668 34.3203 23.6982C34.3203 24.0295 34.238 24.3555 34.0812 24.6454C33.9244 24.9353 33.6981 25.1798 33.4237 25.3558L20.2527 33.421C19.9604 33.6017 19.6256 33.6979 19.2841 33.6992Z\" fill=\"currentColor\"\/>\n<\/g>\n<\/svg>\n<\/span>            <\/div>\n                        <\/figure>\n        <div class=\"wp-component-card__content edwp-row-load\">\n                                    <p class=\"wp-component-card__eyebrow\">\n                Articles            <\/p>\n                <a href='https:\/\/www.elixirr.com\/en-gb\/2023-trends-insurance\/' class='wp-component-card__title'>\n            <h2>\n                2023 trends: insurance\n            <\/h2>\n        <\/a>                                    <div class=\"wp-component-card__description\">\n                    Partners Ben Gower and Dan Garsin share their thoughts on what the next year will bring for the insurance industry and which \u2018no regrets\u2019 moves to make to ensure you&hellip;                <\/div>\n                                                    <div class=\"wp-component-card__meta\">\n                                            <p class=\"wp-component-card__date\">\n                            01 January 2023                        <\/p>\n                                                                <div class=\"wp-component-card__terms\">\n                                                                                                                                                    <div class=\"wp-component-tags edwp-component\">\n                        <div class=\"wp-component-tags__tag\">\n                Insurance            <\/div>\n                <\/div>\n                        <\/div>\n                                    <\/div>\n                                   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