12月4日至5日，2024年亚洲保险科技峰会在香港隆重举办，吸引了保险与科技领域的行业领袖齐聚一堂，共同探讨行业未来发展方向。

贝恩公司携多位资深合伙人出席峰会，主持并参与多场讨论，提供深刻洞见与可执行的解决方案，探讨推动保险行业变革的关键机遇与挑战。

Dr. Henrik Naujoks

贝恩公司资深全球合伙人

亚太金融服务业务主席

圆桌论坛：敏捷领导力—驾驭亚洲保险市场中的变革

Henrik主持了一场关于如何在动态市场中提升适应力的讨论，主要观点包括：

• 转型应视为一个持续不断的过程，传统的“解冻-变革-再冻结”模式已不再适用。
• 企业需要建立拥抱变革的文化，通过员工赋能与技术支持，提升关键能力。
• 高效的领导团队以信任、紧密协作、韧性、乐于采纳新技术以及乐观的态度为显著特征。

圆桌论坛：以客户为中心—科技与数据如何重塑可能性？

Henrik探讨了数据与人工智能如何变革保险行业的客户互动方方式：

• 虽然以客户为中心的基本原则未变，但科技的进步正在解锁新的可能性，例如高度个性化的体验和实时客户洞察。
• 保险的角色需要转型，成为专注于风险减缓与预防的解决方案提供者。
• 构建生态系统合作伙伴关系正变得愈发重要，协作是成功的关键。
• 许多保险公司虽“数据丰富但洞察贫乏”，提升分析能力并充分利用人工智能（包括生成式 AI）至关重要。

李思瀚

Herbert Lee

贝恩公司全球合伙人

圆桌论坛：远程医疗的未来—应用、监管与驱动因素

Herbert 主持了一场关于远程医疗在保险行业角色演变的讨论，核心观点包括：

• 医疗服务正迈向全渠道化，远程医疗在其中扮演着至关重要的角色，并在后疫情时代展现出巨大的潜力。
• 远程医疗服务提供商需优先确保合规性，提供高质量医疗服务，并通过人工智能等技术的应用和与生态系统合作伙伴的紧密协作来提升客户体验。
• 新模式正在不断演进，例如为出国旅行客户量身定制远程医疗咨询服务，帮助他们与本国医生建立联系。远程医疗服务提供商应始终以客户为中心，持续推动创新。
• 保险公司与远程医疗服务提供商的合作日益紧密，以强化其价值主张，并有效控制基础医疗服务的成本。

Georgina de Rocquigny

贝恩公司全球专家合伙人

圆桌论坛：信任于自动化时代——品牌与营销如何推动保险行业增长？

Georgina主持了一场关于品牌建设与信任如何助力行业可持续增长的讨论，主要观点包括：

• 在保险行业，品牌的重要性常被低估，并未始终被视为推动业务增长的战略核心。
• 品牌建设不能仅停留在品牌团队的职责范围内，而应从高层着手。只有与明确的战略目标紧密结合，品牌才能取得成功。
• 消费者的信任在每个触点和每个瞬间中都在累积或流失，因此，品牌建设必须融入整个组织，通过端到端的客户体验，以真实可信的方式传递。
• 尤其是在保险领域，讲故事和创意的作用往往被低估，但它们是实现差异化、激发客户共鸣，并最终影响客户选择的关键因素。
• 保险的核心是在人生的每个阶段提供陪伴和支持，助力人们安心前行。即使保险服务在加速数字化，有温度、有情感的体验依然不可替代。

此次峰会凸显了创新、协作与适应能力作为保险行业未来发展的关键驱动力。我们很荣幸参与这些具有深远意义的对话，并期待继续与业界伙伴共同塑造行业未来！

敬请关注贝恩的更多洞见与更新。

We were excited to participate in Insurtech Insights Asia 2024 in Hong Kong on December 4–5, where industry leaders gathered to explore the intersection of insurance and technology.

Bain & Company's partners led insightful discussions, offering actionable perspectives on the challenges and opportunities shaping the future of insurance.

Dr. Henrik Naujoks

Senior Partner,

The head of Asia-Pacific

Financial Services practice

Bain & Company

Panel Discussion: Leadership Agility: Navigating Change in Asian Insurance Markets

Henrik moderated a session on driving adaptability in dynamic markets. Key takeaways:

• In order to navigate the changes in today's highly dynamic environment, transformation must be treated as a continuous process; the old mantra of "unfreeze, change, freeze" is no longer possible.
• Organizations must build a culture that embraces change; they need to develop the necessary capabilities, empower their employees, and enable them through technology.
• Effective leadership teams are characterized by trust, strong collaboration, resilience, tech affinity, and optimism.

Panel Discussion: Customer Centricity: How Tech and Data Change the Art of the Possible?

Henrik led discussions on how data and AI are transforming customer engagement in insurance:

• The fundamentals of customer centricity remain constant, but advancements in technology are unlocking new possibilities, such as hyper-personalized experiences and always-on customer insights.
• The role of insurance must evolve, with insurers shifting to become solution providers focused on proactive risk mitigation and prevention.
• Building ecosystem partnerships is increasingly critical, as collaboration is essential for success.
• Many insurers are "data-rich but insights-poor"; enhancing analytics capabilities and leveraging AI/GenAI is imperative.

Herbert Lee

Partner

Bain & Company

Panel Discussion: Future of Telehealth: Application, Regulation, and Enablers

Herbert led a discussion on telehealth's evolving role in insurance. Key highlights:

• Care is becoming omnichannel, with telehealth playing a critical role and demonstrating significant potential even in the post-pandemic era.
• Telehealth providers must prioritize compliance, deliver high-quality care, and enhance customer experience by leveraging technologies such as AI and fostering strong collaboration with ecosystem partners.
• New models are evolving, such as teleconsultation services tailored for customers traveling abroad, allowing them to connect with doctors from their home country. Telehealth providers should remain customer-centric and continue to innovate.
• Insurers are increasingly partnering with telehealth providers to strengthen their value propositions and effectively manage primary care costs.

Georgina de Rocquigny

Expert Partner

Bain & Company

Panel Discussion: Trust in an Automated World - How Brand and Marketing Unlock Growth in Insurance?

Georgina moderated a session emphasizing how branding and trust can drive sustainable growth in an increasingly automated industry. Key points:

• In insurance, the role of brand is often underestimated, and not always viewed as a strategic asset that drives business growth.
• Branding can sometimes be confined to the branding team in insurance, yet it needs to start at the top - brands can only succeed if aligned with a clear strategic purpose.
• Consumer trust is earned and lost at every touchpoint and moment - so branding can only be effective if managed throughout the organisation and delivered authentically through the end to end customer experience.
• Especially in insurance, storytelling and creativity can be under-estimated, yet these are key to driving distinctiveness and customer resonance (which ultimately drive consideration).
• Insurance is ultimately about supporting people on their life journeys. With increased digitization of the insurance experience, the authenticity of the human experience cannot be lost.

This event reinforced the importance of innovation, collaboration, and adaptability as key enablers for the future of insurance.

We are proud to have been part of these meaningful conversations and look forward to continuing the dialogue as we shape the future of the industry together.

Stay tuned for more insights and updates from Bain!