Best Disruptive Product or Service

Innovations that enhance, extend or replace the traditional offer, creating new profit pools by serving new customer segments or existing segments in new ways, and entering or creating new markets typically beyond the reach of insurance players.

Claims Management

Innovative practices in claims management aimed at facilitating and/or accelerating the claims management process, or improving the detection and prevention of fraud.

Connected Insurance & Ecosystems

Innovations that use the internet of things to create new business models by effectively combining insurance with technology, ecosystem services and partners.

Customer Experience & Engagement

Innovations that radically enhance the way insurance players engage customers. New approaches may include seamless and personalized experiences across physical and/or digital channels, new customer management (service) models, and innovative management of customer loyalty and satisfaction.

Data-Enabled Underwriting

Significant enhancement of the underwriting process through improved collection of data from traditional and new sources, and the use of advanced analytics to support personalization and accuracy.


The creation and/or application of innovative technology that substantially improves any part of the insurance value chain, enhances the customer experience, or explores new sources of value for insurers. This category is reserved for insurance start-ups and spin-offs, and technology firms targeting the insurance industry.

Intelligent Automation

Innovations that leverage the disruptive power of artificial intelligence technologies (such as intelligent automation, robotics, machine learning etc.) to deliver sophisticated, effective business solutions.

Global Innovator

The most innovative insurer. The winner is the organization whose corporate vision commits it successfully to continuous innovation and transformation, to the development and leadership of a broad ecosystem of partners extending beyond insurance, and to the exploitation of emerging technologies that improve the experience of its customers and the performance of its business.