Simple because it matters.
Simple because it matters.
Technology trends that could become relevant for insurers
The ERGO Innovation Lab's trend report ‘What's up Next?’ analyses emerging technology trends that have the potential to shape the insurance industry in the long term. From AI-powered assistants and digital twins to humanoid robots and breakthrough health technologies, the trend report provides valuable insights into innovations that create both opportunities and challenges. The aim of the report is to offer companies practical inspiration for innovative solutions that also create added business value.
The use of AI-based assistants is revolutionising the world of work. These technologies automate repetitive routine tasks, increase productivity and enable companies to operate more efficiently.
The development of Large Language Models (LLMs) is redefining the interaction between humans and machines. LLMs support natural, conversational communication and, through multimodal input, enable seamless integration, for example in customer service or claims processing.
Innovative technologies enable users to independently perform expert tasks or quickly acquire relevant knowledge. This development blurs the boundaries of traditional expert roles and creates new opportunities for more flexible, efficient collaboration between experts and laypersons.
Advances in brain research are opening up new ways to promote the well-being of customers. Preventive approaches help to identify potential challenges early on and offer personalised support tailored to individual needs.
Digital twins are increasingly being used as virtual representations of people. Advanced AI and language processing enable natural and personalised interactions that seem almost human. Combined with their 24/7 availability, these avatars complement personal contact and create an optimised, seamless customer experience that sustainably increases satisfaction.
The rapid development of humanoid robots is leading to systems that enable human-like interactions. Their potential applications range from industrial applications and private households to areas such as geriatric care and health monitoring, where they open up new approaches to support, care and safety.
Innovative health technologies, such as portable devices and non-invasive solutions, are improving health management with a greater focus on prevention. These developments support a longer, healthier life and open up new possibilities for preventive approaches in insurance products.