德勤（Deloitte）：2026印度保险业的现代化重塑研究报告（英文版）（24页）.pdf

1、Modernising Indian insurersFebruary 20262Modernising Indian insurersTable of contentsMessages from the leadership 4Executive summary 6Chapter 1:Indias insurance sector is at a pivotal juncture 8Chapter 2:Seven structural gaps urging tech modernisation 12 Chapter 3:Driving modernisation through archi

2、tectural redesign 14Chapter 4:The way forward 18Connect with us 213Modernising Indian insurersMessages from the leadershipIndias insurance landscape stands at a pivotal juncture,where the convergence of regulatory reforms,digital adoption and rising financialisation is redefining how protection is d

3、elivered to individuals and businesses.Success will depend on how insurers,regulators and industry leaders collaborate to drive technology-led transformation while maintaining continuity,scale and customer-centricity.Global experience highlights three transformation pathways,which include rip and re

4、place,hollow the core and hybrid,each with distinct risk and investment profiles.Regardless of the approach adopted,the key is for insurers to progressively modernise their legacy systems,adopt a modular architecture,enable lead generation through APIs and microservices and implement AI-led decision

5、 engines to transform organisational operations.Modernisation accelerates agility,significantly lowers costs,enhances interoperability and customer trust.Furthermore,when aligned with IRDAIs digital ecosystem,comprising Bima Sugam,Bima Vahak,and Bima Vistaar,it expands its reach to underserved popul

6、ations.Achieving this without disrupting business-as-usual and while adhering to regulatory norms is critical.Indias insurance sector is at a transformative inflexion point,where rising financialisation,regulatory reforms,and digital adoption are reshaping how protection reaches individuals and busi