The Innovations Shaping Insurance in the Age of A.I.: Tech Trend Radar 2025
The Tech Trend Radar 2025 report from Munich Re & ERGO provides an overview of emerging technology trends that may shape the future of insurance, structured around five key areas: Data & AI, Human Health, Connected Experience, Cyber & Crypto, and Redefining Industries
Morristown, NJ (May 5, 2025) – Which innovations will shape insurance in 2025? Discover the game-changers in the Tech Trend Radar 2025 report — your guide to the technologies that matter, developed by experts from Munich Re and ERGO to identify and assess the most relevant insurance technology trends for the upcoming year. Created by insurers for insurers, the Tech Trend Radar 2025 aims to sharpen awareness, steer discussion and initiate new business opportunities that appeal to all insurance clients. The trends include a brief description, associated opportunities and risks, and selected use cases.
Curious about all digital trends and solutions in insurance industry? Access the Tech Trend Radar 2025 report.
Insurance in the age of AI
What technological innovations will shape the insurance industry in 2025? How will AI Agents, Spatial Intelligence, and Digital Healthcare affect our industry? What opportunities and challenges do new technologies bring in the areas Autonomous Interactions, Deepfake Defence, and AI Search Engines for insurers’ value chains? The Tech Trend Radar 2025 offers answers to these and many other questions. The report, jointly prepared by ERGO and Munich Re, assesses a range of current tech trends from the areas Healthy Humans, Connected Experience, Data & AI, Cyber & Crypto, and Redefining Industries in terms of their maturity and relevance for insurers. The publication offers a guide to the most important technological drivers for the insurance sector, helping readers grasp them and translate their economic implications into business decisions.
“In the ‘age of intelligence’, all firms want to digitally advance their business models throughout the value chain,” said Martin Thormählen, Chief Technology Officer Business Technology at Munich Re, of the new report. “The strategic implementation of that ambition requires massive investments and solid expertise, e.g. in new energy-storage solutions or personalised healthcare. Generally speaking, deploying new technologies comes down to finding a sound balance of opportunities and risks – which is insurers’ core competence. In this regard, the Tech Trend Radar gathers our latest expert assessments on 36 trends that insurers can use for the benefit of their business and their insureds on their transformation journey.”
“In today’s insurance landscape, Artificial Intelligence is more than just a tool – it’s a strategic necessity,” added Daniel Grothues, Chief Architect Primary Insurance, ERGO Group AG. “With the Tech Trend Radar, our goal is to shed light on this and other technological developments that will change the insurance business. It’s about scalable solutions that can boost efficiency, mitigate risks, and have lasting effects on an insurer’s entire value chain. Those insurers who combine strategic vision with intelligent solutions will be able not only to successfully respond to dynamic market changes but also to proactively exploit market potential.”
The Tech Trend Radar 2025 is the 12th instalment in the series of reports, released annually. All content was prepared by experts from Munich Re and ERGO Group. You can download the latest Tech Trend Radar at www.ergo.com/techtrendradar or at www.munichre.com/ttr2025.
Tech Trend Radar: How will technology impact insurance?
The Tech Trend Radar 2025 provides an overview of innovative trends and solutions in the global insurance market. The Radar is a joint initiative by Munich Re and ERGO. Together, future trends are collected, aggregateed, and assessed to provide a comprehensive overview of technology trends, their maturity levels, and relevance to the insurance industry.
This results in 36 significant trends that are distributed across the following five trend areas:
- Healthy Human encompasses all technologies aimed at making our lives healthier.
- Connected Experience includes trends related to network and infrastructure technologies or those enabled by them.
- The Data & AI trend area is home to data-driven technologies and business solutions based on artificial intelligence and data.
- The Cyber & Crypto trend field focuses on secure transactions and safe methods of data transmission.
- Redefining Industries deals with the revolution of businesses and industries through technological advancements – examples include the development of technologies for renewable energy such as solar, wind, and hydropower, as well as energy storage systems.
Each trend includes a brief description, opportunities and risks, as well as selected cross-industry use cases. Additionally, the Radar provides an assessment of the maturity level of each trend.
Download the report from Munich Re.
About Munich Re
Munich Re is one of the world’s leading providers of reinsurance, primary insurance and insurance-related risk solutions. The group consists of the reinsurance and ERGO business segments, as well as the asset management company MEAG. Munich Re is globally active and operates in all lines of the insurance business. Since it was founded in 1880, Munich Re has been known for its unrivalled risk-related expertise and its sound financial position. Munich Re leverages its strengths to promote its clients’ business interests and technological progress. Moreover, Munich Re develops covers for new risks such as rocket launches, renewable energies, cyber risks and artificial intelligence. In the 2023 financial year, Munich Re generated insurance revenue of €57.9bn and a net result of €4.6bn. The Munich Re Group employed about 43,000 people worldwide as at 31 December 2023. For more information, please visit www.munichre.com.
About ERGO
ERGO is one of the major insurance groups in Germany and Europe. The Group is represented in over 20 countries worldwide, with a focus on Europe and Asia. ERGO offers its retail and corporate customers a broad product portfolio in all the main classes of insurance as well as comprehensive assistance and other services. Three units operate under the umbrella of ERGO Group AG: ERGO Deutschland AG, ERGO International AG and ERGO Technology & Services Management AG. The German and international businesses as well as the global management of IT and technology services are organized in these units. About 37,000 people work either as salaried employees or self-employed sales representatives for the Group. In the 2024 financial year, ERGO generated insurance revenue of 20.8 billion euros and a net result of 791 million euros. ERGO is part of Munich Re, one of the world’s leading reinsurers and risk carriers. . For more information, please visit www.ergo.com.
SOURCE: Munich Re
Tags: Artificial Intelligence (AI), disruption, Munich Re, outlook / predictions, Transformation, trends