Artificial intelligence in insurance: record growth amid fraud, claims, and chatbots
Artificial intelligence insurance It's one of the most strategic combinations for the finance industry today. Artificial intelligence in insurance is redefining processes, products, and customer relationships: are you ready to understand how these numbers will impact your business?
AI insurance revenue is expected to grow from $8.63 billion in 2025 to $59.5 billion in 2033, representing a compound annual growth rate of 27.31 TP3T from 2026 to 2033. This growth is driven by the need for operational efficiency, advanced risk management, and an increasingly advanced digital customer experience.
The adoption of artificial intelligence insurance It covers both software and services based on technologies such as machine learning, NLP (Natural Language Processing), and RPA (Robotic Process Automation). The goal is to improve underwriting, claims management, fraud detection, and the quality of the customer experience throughout the entire policy lifecycle.
Artificial Intelligence in Insurance: Market Size and Key Figures
By 2025, there were 12.4 million AI-based insurance processes in use worldwide, with predictive analytics accounting for 41% of these applications. Insurance companies accounted for 52% of end users, a sign of the progressive integration of AI into the core business.
In the same year, over 8,500 scientific and technical articles were published on artificial intelligence for insurance applications. This data highlights the intense research and development activity involving universities, research centers, and companies in the sector.
Operationally, over 1,900 test programs were conducted on AI solutions for claims processing, underwriting, and fraud detection in 2025. AI software and service implementations at insurance companies reached 7,200, confirming tangible expansion beyond the pilot phase.
The 50% AI technology programs included at least one machine learning or NLP project, a sign that the cognitive and conversational component is becoming central. By 2025, AI had been integrated into the operations of over 1,100 insurance companies and service providers, marking the transition from experimentation to structural use in core processes.
The growth drivers of artificial intelligence in insurance
The growth of the’artificial intelligence insurance It is driven by three main drivers: automated risk assessment, advanced fraud detection, and predictive claims management. In 2025, AI processed over 5.6 million insurance claims worldwide.
Predictive analytics was used to examine 42% of total claims, allowing companies to identify risk patterns, management priorities, and potential anomalies. This approach reduces response times and improves decision accuracy.
In 2025, approximately 275 new patents were filed for AI applied to insurance technologies, confirming a strong push for innovation in underwriting, claims management, and fraud prevention. Geographically, the 61% of global collaborations between AI and insurance is concentrated in North America and Europe, regions driving investment and regulated experimentation.
This growth dynamic is consistent with global AI trends described by sources such as Wikipedia on artificial intelligence and from reports from leading international observers, which highlight how AI is becoming a key enabler for financial services.
Spread of insurance AI across global markets
The study identifies the United States as the most advanced market for artificial intelligence insurance, with an estimate of $3.15 billion in 2025 and a projection of up to $21.23 billion in 2033. This growth is fueled by the strong presence of insurtechs, large insurance groups and a mature technology ecosystem.
The Asia-Pacific region remains the fastest growing region, driven by the rapid digitalization of insurers and the adoption of data-driven business models. In these markets, mobile-first and digital payments are accelerating the demand for personalized and flexible insurance products.
In 2025, Europe registered over 2,480 AI projects in the insurance sector, with Germany, the United Kingdom, and France leading the way. The main areas of application include predictive analytics, claims automation, and fraud detection, often in collaboration with research centers and universities.
More than 310 European insurers have adopted AI-based platforms, supported by a regulatory environment that, while rigorous, supports responsible innovation. Growth in the Asia-Pacific (Asia-Pacific excluding Japan) region over the next 14 years will be moderate but steady, with an increase in AI pilot programs, digital insurance projects, and R&D partnerships.
The role of cloud providers and mobile technologies, also described by companies such as McKinsey for the Insurance Industry, makes it increasingly easier to scale AI solutions across multiple countries and product lines.
Main applications of artificial intelligence in insurance
Among the fields of application of the’artificial intelligence insurance, Fraud detection and risk management now account for over a third of the market. Automated underwriting and claims management follow, where AI helps reduce manual errors and speed up processing.
However, the customer service and chatbot segment is expected to see the fastest growth in the coming years. Companies are strengthening their digital channels with always-on conversational assistants capable of providing quotes, claims updates, and after-sales support via the web, apps, and messaging channels.
From a technological perspective, machine learning represents approximately 451 TP3T of AI solutions adopted in the insurance industry. Natural language processing (NLP) emerges as the most dynamic growth driver, alongside the development of generative solutions and advanced chatbots.
Cloud platforms are also growing in importance, already accounting for approximately half of insurance AI implementations compared to on-premise models. This alignment with cloud-native architectures is consistent with best practices suggested by organizations such as OECD for Financial Markets, which emphasize the importance of scalability and security.
By 2025, property and casualty insurance had used AI in underwriting and claims automation applications in over 3,000 cases (indicative figure, consistent with the original text). Health insurance has seen the fastest growth, with 2,430 AI applications in 2025 and a forecast growth of up to 5,000 implementations in the coming years.
This expansion is driven by the need for predictive risk management, highly personalized policies, and telemedicine integration, particularly in the United States, Europe, and APAC regions. The goal is to shift from a reactive to a proactive prevention and treatment model.
Ecosystem, distribution channels and third-party providers in insurance AI
In the picture artificial intelligence insurance, Companies account for approximately 701 TP3T of current adoption, but external providers—consulting firms, technology companies, and insurtechs—are showing the fastest pace of expansion. By 2025, insurance companies will have used AI in over 5,110 programs, primarily for claims management, underwriting, and fraud detection.
Third-party services have grown from 2,050 AI projects in 2025 to a forecast of over 4,520 in 2033. They offer consulting, technology integration, data analytics, and turnkey vertical solutions, supporting the outsourcing of critical components of the AI ecosystem.
Regarding distribution channels, direct sales have been the primary channel for AI adoption, with over 4,430 implementations by 2025 through enterprise contracts and bulk software purchases. The online channel reached 2,120 programs in 2025, with a forecast of 4,710 by 2033.
This online growth is driven by digitalization, the expansion of insurance e-commerce, and self-service systems for SMEs and professionals. At the same time, however, approximately 331% of AI pilot programs failed to scale by 2025 due to regulatory and security concerns, compared to 91% of established insurers.
The lack of data specialists, secure cloud infrastructure, and consistent compliance standards remains a barrier. However, the overall picture shows that artificial intelligence is moving beyond mere operational support and becoming a structural element of the insurance industry's strategy and competitiveness.
Artificial Intelligence in Insurance: Impact on Marketing and Business
The impact of artificial intelligence insurance The impact on marketing and business is profound. Thanks to predictive models, companies can segment customers with extreme precision, defining offers, pricing, and bundles based on actual behavior and individual risk.
AI enables the development of tailored, dynamic, and pay-per-use policies that better meet the expectations of digital customers. This approach increases lifetime value, reduces churn, and improves conversion rates in acquisition campaigns.
In terms of customer experience, chatbots and virtual assistants integrated into digital touchpoints (website, app, WhatsApp, social media) allow for 24-hour management of requests, quotes, renewals, and claims status updates. Communication becomes more fluid, omnichannel, and measurable.
For digital marketing, this means being able to orchestrate personalized journeys, integrating notifications, reminders, and targeted offers via instant messaging channels. The data collected by AI systems fuels continuous cycles of campaign and content optimization.
Insurance companies, including brokers, agents, and partners, can leverage AI-based automation to:
- Sending proactive communications about deadlines, upgrade opportunities, and cross-selling
- automatic management of first-level support requests
- real-time monitoring of customer satisfaction and reviews
- Activation of nurturing workflows for inactive prospects and customers
The integration between communication platforms and AI systems therefore becomes a strategic asset, especially when using highly open channels like WhatsApp.
How SendApp Can Help with Artificial Intelligence Insurance
To make the most of the potential of artificial intelligence insurance When it comes to customer relationships, a robust and scalable conversational automation platform is essential. SendApp was created specifically to support companies, brokers, and agents in bringing their insurance flows to WhatsApp in a structured and compliant manner.
With SendApp Official (official WhatsApp Business API), Organizations can integrate their AI systems—CRMs, pricing engines, chatbots, and marketing automation platforms—directly with the WhatsApp channel. This allows them to send notifications about claims, renewals, documents, and personalized offers securely and traceably.
SendApp Agent It allows sales and customer service teams to centrally manage WhatsApp conversations, assigning chats, setting priorities, and integrating automated responses. This is ideal for supporting the use of first-tier chatbots, supported by human operators for more complex cases.
For more advanced projects, SendApp Cloud It offers automation capabilities, API integration, and enterprise scalability. Companies can orchestrate multi-channel journeys, synchronize data with AI risk scoring engines, and activate personalized campaigns on a large scale.
The combination of AI and WhatsApp automation allows you to:
- drastically reduce customer response times
- automate reminders on payments, deadlines and documentation
- manage tickets and claims updates in real time
- Monitor performance and conversion KPIs directly from the messaging channel
SendApp is designed to help the insurance industry transform communication into a driver of efficiency and growth. Visit the official website. SendApp and request a consultation on your WhatsApp Business strategy for the insurance industry, with the possibility of testing and guided pilot projects.
