Capgemini-2025年世界财产和意外保险报告（英）

Scale for tomorrow, today World Report Series 2025Property and Casualty InsuranceThe aging demographic pivot demandsstrategic P&C insurance transformationWorld Property and Casualty Insurance Report 2025Capgemini Research Institute 2025Capgemini Research Institute 20252Table of contents03Foreword04Executive steering committee14Accelerate business model transformation: Changing risk patterns require urgent innovation06Executive summary26Scale for tomorrow, today: Building capability for an aging, urban world35Partner with Capgemini34Methodology33Conclusion08A rapidly aging population is reshaping the global economyCapgemini Research Institute 2025World Property and Casualty Insurance Report 20253Unprecedented demographic transformation is occurring worldwide. In a historic first, senior citizens will outnumber youth globally by 2050 – excluding a relatively young Africa. The aging population will drive urbanization and influence evolving consumer preferences; as a result, insurance structures will change across risk, protection, and service delivery.Capgemini’s World Property and Casualty Insurance Report 2025, our 18th edition, explores how the world will look in 2050 and what it means for insurers. Demographic change will have far-reaching implications on where people live, how they move, and what they prioritize. The data tell a compelling story. By 2050, as the 60+ population grows by 78%, the dependency burden on working-age individuals will increase by 63%, with every four workers supporting one senior dependent. These demographic transformations challenge our existing societal systems. Further, nearly 70% of the global population will live in urban centers (up from 58% today), creating unprecedented risk concentrations. Consumer preferences will also evolve as aging populations prioritize experiences over possessions.These shifts will change people’s purchasing behavior, mobility patterns, and technology exposure, significantly impacting all major P&C insurance business lines. In auto insurance, changing mobility patterns will accelerate the transition toward commercial coverage models. Property insurance will evolve from asset protection to resilience-based solutions that support aging-in-place options. Liability coverage will expand to tackle emerging risks associated with automation and an increasingly smaller and older workforce.Success for insurers in this transformed landscape requires a multi-horizon approach – one that balances immediate performance with long-term positioning across markets undergoing different demographic trajectories. To thrive, carriers will have to adapt their strategies, enhance their operating models, strengthen risk management capabilities, and deploy capital strategically. They will leverage technology for efficiency and to develop advanced forms of protection that align with the evolving needs of customers and their risk profiles.In this ever-changing world with aging populations, the World Property and Ca