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Insurance

Insurance firms need to look beyond traditional risks, and address today’s challenges such as cybercrime, climate change, and natural disasters. We are reimagining the global insurance industry to invent the operating models of the future.

Insurance customers are demanding hyper-personalized, digital experiences that meet their changing preferences and an evolving risk environment. With near-zero interest rates, reinsurers and insurers need to constantly innovate to ensure better forecasting, affordable rates, and experiences that attract and retain customers. 

We work with property and casualty and life and annuities companies, and reinsurers, to build sustainable business models using new technologies to make uninsurable risks insurable. We reinvent the customer and agent experience across the insurance value chain from sales to servicing to claims. 

    TechnoVision 2023: Financial Services

    With TechnoVision 2023: Financial Services, explore how you can balance digitization with evolving risks and sustainability.

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    The World Life and Health Insurance Report 2022

    The Wellness Revolution: How insurers are driving growth with customer well-being.

    Read the report

    World Property and Casualty Insurance Report 2022

    Climate change is significantly impacting people and business. Insurers need to generate deeper customer trust and offer personalized solutions

    Read the report

    The data-powered insurer

    Capgemini Research Institute looks at how to unlock the data premium – at speed and at scale.

    Read the report

    Everest Group Leader for Salesforce Services in Insurance

    Capgemini was recognized as a Leader among 12 other service providers.

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      Issues & Answers

      Climate of Change in Insurance

      How we can help

      Selling digitally

      We empower insurers and their intermediaries to reimagine marketing strategies to meet changing customer needs, from digital acquisition to deploying the right channel mix.  

      With Capgemini’s open insurance solution, insurers can partner with ecosystem players to bring new offers to market faster and expand their reach.

      Pricing the real risk

      The complexity of new evolving risks is a challenge for underwriters as they strive to effectively manage risks, provide adequate coverage, and offer competitive pricing.   

      We help underwriters make better decisions faster using data analytics, AI, and automation. New cloud-based business models, such as dynamic pricing, enable real-time, personalized rates – and ensure long-term profitability.  

      Delivering touchless service

      We help insurers differentiate the customer experience.

      We help insurers differentiate the customer experience with seamless service and tools for claims, endorsement requests and contact center interactions.  Our approach minimizes friction while enabling human empathy.
       

      Flattening the claims curve

      We help carriers deploy advanced predictive technologies, such as IoT, that monitor risk and promote safer behaviors.

      Using modern pricing platforms, we help them manage claims cost-effectively for medium and long-tail loss events and improve loss ratios.  

        Digital insurance operations

        Frictionless, end-to-end, customer-centric insurance services to transform your core processes and support functions.

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        Data estate modernization

        Master your data , and empower your organization.

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        Inventive IT

        We accelerate the digital revolution of your IT to position your business to thrive and innovate on digitalization.

        Explore our offer

        Cloud services

        Accelerate your cloud journey with a trusted partner who is with you all the way.

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          Research and insights

          Capgemini Research Institute

          World Life Insurance Report 2025
          Capgemini Research Institute

          Embrace data to accelerate sustainability
          Point of view

          Elevate underwriting accuracy and efficiency
          Point of view

          Embracing the power of predictive analytics: Are your underwriters ready for change?
          Report

          Unleashing growth: The evolving role of underwriters
          Report

          TechnoVision 2024: Financial services
          See all our insights on Insurance

          Client Stories

            A health insurance company implements document automation tool to produce benefit booklets with more accuracy and efficiency

            Capgemini collaborated with the healthcare company to identify a new tool that led to a streamlined, frictionless production process and reduced errors.

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            A.S.R. Insurance drives data efficiency with SAP S/4HANA

            Migration to the SAP S/4HANA platform to achieve efficient practices while expanding capacity for data-based decision-making.

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              Expert perspectives

              How Wellness-As-A-Service Works Can Drive Growth for Life and Health Insurers

              Samantha Chow
              Aug 26, 2022

              Humanizing healthcare – superior customer experience in insurance

              Capgemini
              Sep 29, 2021

              “Inventive Insurer” mindset: The need of the hour for property insurers

              Seth Rachlin
              Jun 17, 2021

              Meet our experts

              Cecilie Vatn

              Director, Banking & Insurance, Digital transformation & Solutions, Customer experience
              Cecilie has 14 years of experience in the banking and Insurance sector where she has worked in the intersection between business and technology. Her key competences can be summarized by Insurance, customer experiance, digital optimization, governance, process optimization and change management.

              Liv Fiksdahl

              Vice President, Banking & Insurance
              Liv has more then 30 years of experience from the Banking industry. She has had executive roles, and has experience from the whole valuechain within the sector. As an expert she cover both, retail, corporate and the payments area. She has a strong track record when it comes to doing IT turnarounds, setting up new organisations and running large tranformation programs.

              Marianne Moe-Helgesen

              Director, Banking & Insurance, Digital transfomation, agile
              Marianne has more than 15 years of experience from the insurance industry. Passionate about digital business transformation and agile ways of working. Experienced leader with strong technical background and understanding.

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