{"id":28975,"date":"2026-10-14T08:12:27","date_gmt":"2026-10-14T06:12:27","guid":{"rendered":"https:\/\/www.elcol-legi.org\/w\/?p=28975"},"modified":"2026-10-14T15:18:16","modified_gmt":"2026-10-14T13:18:16","slug":"tendencies-insurtech","status":"publish","type":"post","link":"https:\/\/www.elcol-legi.org\/w\/tendencies-insurtech\/","title":{"rendered":"Tend\u00e8ncies insurtech"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column width=&#8221;3\/4&#8243;][vc_column_text css=&#8221;&#8221;]<\/p>\n<h2><strong>Les tend\u00e8ncies que estan transformant l\u2019InsurTech el 2026<\/strong><\/h2>\n<h2 class=\"isSelectedEnd\"><\/h2>\n<p>[\/vc_column_text][stm_spacing lg_spacing=&#8221;6&#8243; md_spacing=&#8221;6&#8243; sm_spacing=&#8221;6&#8243; xs_spacing=&#8221;6&#8243;][vc_column_text css=&#8221;&#8221;]<em>15\/10\/26<\/em>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<em>La intel\u00b7lig\u00e8ncia artificial deixa de ser una promesa per convertir-se en una pe\u00e7a estructural de la transformaci\u00f3 asseguradora<\/em>[\/vc_column_text][vc_single_image source=&#8221;featured_image&#8221; img_size=&#8221;850&#215;350&#8243;][vc_column_text css=&#8221;.vc_custom_1791958106846{margin-bottom: 20px !important;}&#8221;]<\/p>\n<p class=\"isSelectedEnd\">L\u2019ecosistema InsurTech a Espanya supera el 2026 ja les <strong>120 empreses<\/strong> en actiu, impulsat per l\u2019acceleraci\u00f3 digital i la integraci\u00f3 tecnol\u00f2gica en el sector assegurador. Tant les companyies com els mediadors han fet en els darrers anys els deures de la transformaci\u00f3 digital i la major part de la ind\u00fastria ha aprovat l\u2019assignatura. Per\u00f2 el repte tecnol\u00f2gic no t\u00e9 fi i el sector assegurador es troba en una nova fase, marcada majorit\u00e0riament per la IA.<\/p>\n<p class=\"isSelectedEnd\">En aquest context, l\u2019ecosistema InsurTech est\u00e0 col\u00b7laborant en aquesta transformaci\u00f3 digital, que era totalment necess\u00e0ria per al sector. En els propers anys veurem el fruit d\u2019aquest treball amb l\u2019aparici\u00f3 d\u2019assegurances cada vegada m\u00e9s personalitzades gr\u00e0cies a la intel\u00b7lig\u00e8ncia artificial, primes din\u00e0miques basades en dades en temps real (Internet de les coses) i una millor experi\u00e8ncia de client completament digital. Les asseguradores s\u2019han d\u2019adaptar per no perdre rellev\u00e0ncia davant dels nous actors digitals nadius. S\u00f3n bones not\u00edcies per al consumidor, perqu\u00e8 tindr\u00e0 m\u00e9s opcions per triar, millors preus i un servei m\u00e9s \u00e0gil i transparent.<\/p>\n<p class=\"isSelectedEnd\">L\u2019InsurTech ha afrontat el 2026 una nova etapa. Despr\u00e9s d\u2019anys marcats per la digitalitzaci\u00f3 de processos i l\u2019aparici\u00f3 de nous models de negoci, la tecnologia est\u00e0 entrant ara en una fase m\u00e9s madura, en qu\u00e8 l\u2019objectiu ja no \u00e9s simplement digitalitzar l\u2019asseguran\u00e7a, sin\u00f3 <strong>transformar la manera com es dissenyen els productes, s\u2019avaluen els riscos, es gestionen els sinistres i es relacionen les companyies amb els seus clients<\/strong>.<\/p>\n<p class=\"isSelectedEnd\">La intel\u00b7lig\u00e8ncia artificial ocupa el centre d\u2019aquesta transformaci\u00f3. Per\u00f2 el canvi va molt m\u00e9s enll\u00e0 dels tradicionals projectes pilot. La IA generativa, els models predictius i, cada vegada m\u00e9s, l\u2019anomenada <strong>IA ag\u00e8ntica<\/strong> s\u2019estan incorporant als processos quotidians de les asseguradores. El repte actual consisteix a aconseguir que aquestes tecnologies aportin resultats concrets en termes de productivitat, creixement, experi\u00e8ncia de client i capacitat de decisi\u00f3.<\/p>\n<h2><strong>La IA integrada<\/strong><\/h2>\n<p class=\"isSelectedEnd\">Una de les principals tend\u00e8ncies \u00e9s, per tant, el pas de l\u2019experimentaci\u00f3 a la integraci\u00f3. La intel\u00b7lig\u00e8ncia artificial comen\u00e7a a formar part de les infraestructures i dels fluxos de treball de les companyies, des de la subscripci\u00f3 i la tarificaci\u00f3 fins a la detecci\u00f3 del frau, la gesti\u00f3 de sinistres o l\u2019atenci\u00f3 al client.<\/p>\n<p class=\"isSelectedEnd\">En paral\u00b7lel, guanya protagonisme la <strong>IA ag\u00e8ntica<\/strong>, capa\u00e7 d\u2019executar determinades tasques i coordinar processos amb un grau creixent d\u2019autonomia. Aquesta evoluci\u00f3 obre noves possibilitats, per\u00f2 tamb\u00e9 planteja interrogants sobre governan\u00e7a, supervisi\u00f3, transpar\u00e8ncia i responsabilitat. El 2026, innovar amb IA ja no consisteix \u00fanicament a preguntar-se qu\u00e8 pot fer la tecnologia, sin\u00f3 tamb\u00e9 <strong>quines decisions ha de continuar prenent una persona<\/strong>.<\/p>\n<p class=\"isSelectedEnd\">La segona gran tend\u00e8ncia \u00e9s l\u2019explotaci\u00f3 avan\u00e7ada de les dades. Les asseguradores disposen d\u2019enormes volums d\u2019informaci\u00f3, per\u00f2 el repte \u00e9s convertir-los en coneixement \u00fatil per prendre millors decisions. Els nous models d\u2019an\u00e0lisi predictiva permeten millorar la selecci\u00f3 i valoraci\u00f3 del risc, personalitzar productes i anticipar comportaments. En autom\u00f2bils, per exemple, la telem\u00e0tica i els models d\u2019asseguran\u00e7a basats en l\u2019\u00fas permeten avan\u00e7ar cap a una tarificaci\u00f3 m\u00e9s din\u00e0mica. En altres \u00e0mbits, els sensors, la informaci\u00f3 geoespacial, els dispositius connectats o les imatges per sat\u00e8l\u00b7lit aporten noves fonts per comprendre i anticipar els riscos.<\/p>\n<h2><strong>De la indemnitzaci\u00f3 a la prevenci\u00f3<\/strong><\/h2>\n<p class=\"isSelectedEnd\">La tecnologia tamb\u00e9 est\u00e0 modificant una de les idees tradicionals de l\u2019asseguran\u00e7a: passar de reaccionar davant del sinistre a intentar evitar-lo.<\/p>\n<p class=\"isSelectedEnd\">La combinaci\u00f3 d\u2019intel\u00b7lig\u00e8ncia artificial, IoT, telem\u00e0tica, dades meteorol\u00f2giques i monitoritzaci\u00f3 en temps real permet detectar senyals de risc i actuar abans que es produeixi una p\u00e8rdua. Aquesta evoluci\u00f3 \u00e9s especialment rellevant davant dels riscos clim\u00e0tics, les ciberamenaces o determinats riscos vinculats a la salut.<\/p>\n<p class=\"isSelectedEnd\">L\u2019asseguran\u00e7a comen\u00e7a aix\u00ed a incorporar una dimensi\u00f3 m\u00e9s preventiva. No es tracta \u00fanicament de pagar quan es produeix un sinistre, sin\u00f3 d\u2019utilitzar la tecnologia per reduir-ne la probabilitat o limitar-ne les conseq\u00fc\u00e8ncies.<\/p>\n<p class=\"isSelectedEnd\">Una altra tend\u00e8ncia que continua guanyant for\u00e7a \u00e9s el <strong>embedded insurance<\/strong>, \u00e9s a dir, la integraci\u00f3 de l\u2019asseguran\u00e7a dins d\u2019altres productes, serveis i processos de compra.<\/p>\n<p class=\"isSelectedEnd\">El client ja no ha d\u2019iniciar necess\u00e0riament un proc\u00e9s espec\u00edfic per contractar una p\u00f2lissa. Pot trobar-se amb una proposta de protecci\u00f3 quan compra un vehicle, reserva un viatge, contracta un servei financer o utilitza una plataforma digital.<\/p>\n<p class=\"isSelectedEnd\">Aquest model est\u00e0 impulsant noves aliances entre asseguradores, InsurTech, empreses tecnol\u00f2giques i companyies d\u2019altres sectors. L\u2019asseguran\u00e7a deixa de ser una experi\u00e8ncia a\u00efllada i passa a formar part d\u2019<strong>ecosistemes de serveis m\u00e9s amplis<\/strong>.<\/p>\n<p class=\"isSelectedEnd\">Precisament, la col\u00b7laboraci\u00f3 s\u2019est\u00e0 convertint en una altra de les grans claus de l\u2019InsurTech. Les companyies tecnol\u00f2giques ja no tenen necess\u00e0riament com a objectiu competir directament amb les asseguradores tradicionals. Cada vegada \u00e9s m\u00e9s habitual que desenvolupin capacitats que aquestes poden incorporar mitjan\u00e7ant aliances, plataformes o models de servei.<\/p>\n<p class=\"isSelectedEnd\">La maduresa del mercat est\u00e0 afavorint aquest canvi de model: InsurTech i asseguradores col\u00b7laboren per modernitzar sistemes, incorporar noves capacitats anal\u00edtiques, desenvolupar productes o millorar la distribuci\u00f3.<\/p>\n<p class=\"isSelectedEnd\">El resultat \u00e9s un ecosistema en qu\u00e8 <strong>asseguradores, InsurTech, corredories, empreses tecnol\u00f2giques i prove\u00efdors de dades comparteixen cada vegada m\u00e9s processos i capacitats<\/strong>.<\/p>\n<h2><strong>Una millor experi\u00e8ncia del client<\/strong><\/h2>\n<p class=\"isSelectedEnd\">L\u2019evoluci\u00f3 tecnol\u00f2gica tamb\u00e9 est\u00e0 modificant les expectatives dels assegurats. La generalitzaci\u00f3 de la IA generativa i dels serveis digitals est\u00e0 acostumant els consumidors a rebre respostes r\u00e0pides, personalitzades i disponibles en qualsevol moment.<\/p>\n<p class=\"isSelectedEnd\">Les asseguradores busquen traslladar aquesta experi\u00e8ncia a la contractaci\u00f3, la gesti\u00f3 de p\u00f2lisses i, especialment, els sinistres. L\u2019automatitzaci\u00f3 pot agilitzar els processos senzills, mentre que els professionals poden concentrar-se en aquells casos que requereixen interpretaci\u00f3, negociaci\u00f3, empatia o presa de decisions complexes.<\/p>\n<p class=\"isSelectedEnd\">La tend\u00e8ncia, per tant, no apunta necess\u00e0riament a substituir la relaci\u00f3 humana, sin\u00f3 a <strong>utilitzar la tecnologia per fer-la m\u00e9s eficient i rellevant<\/strong>.<\/p>\n<p class=\"isSelectedEnd\">L\u2019expansi\u00f3 de la IA introdueix, per\u00f2, una condici\u00f3 imprescindible: la confian\u00e7a. Els problemes relacionats amb la privacitat de les dades, els biaixos algor\u00edtmics, l\u2019explicaci\u00f3 de les decisions o la responsabilitat davant de possibles errors adquireixen una import\u00e0ncia creixent.<\/p>\n<p class=\"isSelectedEnd\">La tecnologia pot accelerar els processos, per\u00f2 en un sector basat en la confian\u00e7a i fortament regulat, no tot all\u00f2 que \u00e9s t\u00e8cnicament possible resulta necess\u00e0riament acceptable.<\/p>\n<p class=\"isSelectedEnd\">Per aix\u00f2, la governan\u00e7a de la intel\u00b7lig\u00e8ncia artificial s\u2019est\u00e0 convertint en una prioritat. Segons NTT DATA, el 68 % de les asseguradores identifica precisament la governan\u00e7a com una de les principals barreres per escalar la IA, mentre que un 57 % est\u00e0 explorant fluxos de treball aut\u00f2noms impulsats per IA ag\u00e8ntica.<\/p>\n<h2><strong>Una InsurTech m\u00e9s madura<\/strong><\/h2>\n<p class=\"isSelectedEnd\">Totes aquestes tend\u00e8ncies apunten cap a una mateixa conclusi\u00f3: <strong>l\u2019InsurTech del 2026 \u00e9s menys disruptiu en el discurs i m\u00e9s transformador en la pr\u00e0ctica<\/strong>.<\/p>\n<p class=\"isSelectedEnd\">La tecnologia ja no s\u2019incorpora \u00fanicament per crear noves companyies o nous productes. El seu veritable impacte es troba cada vegada m\u00e9s dins de la mateixa cadena de valor asseguradora: en com s\u2019analitza el risc, com se subscriu, com es detecta el frau, com es tramita un sinistre, com es distribueix una p\u00f2lissa i com s\u2019acompanya el client.<\/p>\n<p class=\"isSelectedEnd\">La intel\u00b7lig\u00e8ncia artificial \u00e9s el gran motor d\u2019aquesta transformaci\u00f3, per\u00f2 no viatja sola. Dades, automatitzaci\u00f3, connectivitat, prevenci\u00f3, distribuci\u00f3 integrada i col\u00b7laboraci\u00f3 entre empreses estan configurant un nou ecosistema assegurador.<\/p>\n<p>El repte per al sector ja no \u00e9s decidir <strong>si ha d\u2019adoptar tecnologia<\/strong>, sin\u00f3 determinar com fer-ho de manera rendible, segura i responsable, sense perdre all\u00f2 que continua sent essencial en l\u2019asseguran\u00e7a: <strong>la confian\u00e7a<\/strong>.[\/vc_column_text][vc_row_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column width=&#8221;1\/4&#8243;][stm_spacing lg_spacing=&#8221;50&#8243; md_spacing=&#8221;50&#8243; sm_spacing=&#8221;50&#8243; xs_spacing=&#8221;50&#8243;][vc_column_text]<\/p>\n<h2>\u00daltimes not\u00edcies<\/h2>\n<p>[\/vc_column_text][stm_news loop=&#8221;size:4|order_by:date|order:DESC|post_type:post|categories:8&#8243; posts_per_row=&#8221;2&#8243;][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column width=&#8221;3\/4&#8243;][vc_column_text css=&#8221;&#8221;] Les tend\u00e8ncies que estan transformant l\u2019InsurTech el 2026 [\/vc_column_text][stm_spacing lg_spacing=&#8221;6&#8243; md_spacing=&#8221;6&#8243; sm_spacing=&#8221;6&#8243; xs_spacing=&#8221;6&#8243;][vc_column_text css=&#8221;&#8221;]15\/10\/26[\/vc_column_text][vc_column_text css=&#8221;&#8221;]La intel\u00b7lig\u00e8ncia artificial deixa de ser una promesa per convertir-se en una pe\u00e7a estructural de la transformaci\u00f3 asseguradora[\/vc_column_text][vc_single_image source=&#8221;featured_image&#8221; img_size=&#8221;850&#215;350&#8243;][vc_column_text css=&#8221;.vc_custom_1791958106846{margin-bottom: 20px !important;}&#8221;] L\u2019ecosistema InsurTech a Espanya supera el 2026 ja les 120 empreses en actiu, impulsat per<\/p>\n","protected":false},"author":562,"featured_media":29005,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[2220],"class_list":["post-28975","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticies","tag-mn-307"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - 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