보험 산업 및 인슈어테크 리포트 — 2026-08-31

Today's insurance and healthcare industry briefing: As digital transformation accelerates in the financial sector, Daewoong Pharmaceutical unveiled the "Daewoong Alliance" at KHF 2026, partnering with digital healthcare companies to build a full-cycle healthcare ecosystem. Meanwhile, the Ministry of the Interior and Safety is pushing policies to allow the use of mobile health insurance certificates via private apps, boosting accessibility to insurance services. Globally, partnerships to bridge the insurtech tech execution gap and AI-driven cyber risk management are emerging as key topics.

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Daewoong Pharmaceutical announces expansion of digital healthcare ecosystem with 'Daewoong Alliance'

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Domestic Insurance Industry Trends

The domestic financial and insurance sectors are expanding service areas such as asset management, payments, and loans through digital transformation, while also strengthening ties with healthcare.

1. Daewoong Pharmaceutical reveals 'Daewoong Alliance' and builds digital healthcare ecosystem Daewoong Pharmaceutical showcased the "DAEWOONG Alliance," formed alongside 12 domestic digital healthcare companies, at "KHF 2026 (Korea Hospital & Health Tech Fair)" held from August 19 to 21. This alliance aims to build a full-cycle healthcare ecosystem spanning prevention and diagnosis to treatment and aftercare. It is drawing attention as a promising cooperative model connecting pharmaceutical companies, healthcare startups, and insurers.

2. Ministry of the Interior and Safety pushes to open mobile health insurance certificates to private apps The Ministry of the Interior and Safety is advancing the "2026 Digital Service Opening" project, which enables citizens and businesses to conveniently use frequently accessed public services on private platforms. Consequently, mobile health insurance certificates will become available on everyday private apps, which is expected to help simplify insurance claims and improve the user experience (UX).

3. Accelerated financial sector digital transformation and advanced AI-based services Business areas across the financial sector are expanding into digital assets, overseas payments, and AI-driven loan management. In particular, Mirae Asset Group recently shared its digital transformation strategy at an employee invitation event, focusing on advancing financial services using AI and data. This trend is expected to extend to insurers' underwriting and customer management systems.

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Global Insurtech and Healthcare Achievements

Overseas, efforts are actively underway to accelerate the adoption of insurtech and respond to new risks in the era of AI.

1. Insurity and ITS partner to bridge the tech execution gap Insurance software specialist Insurity has partnered with ITS to focus on narrowing the "Tech Execution Gap" in the insurance industry. To resolve the issue where many insurers try to adopt new technologies but struggle during actual deployment, the two companies aim to support insurance technology rollouts and reduce deployment risks.

2. FSB flags AI-driven cyber risk as top threat to financial stability Financial Stability Board (FSB) Chair Andrew Bailey stated that AI can alter the speed, scale, and economics of cyberattacks, making AI-driven cyber risk the most immediate concern for the global financial system. This suggests that insurers must reflect the impact of AI in developing cyber insurance products and risk assessment models.

3. Global insurtech funding hits 4-year high According to a report by CB Insights, global insurtech funding in the second quarter of 2026 reached a four-year high. This demonstrates that the market is re-evaluating the growth potential of insurtech companies, with an upward trend in investments directed particularly toward firms equipped with AI and data analytics capabilities.

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Market Insights and Analysis

Analyzing the convergence trends of insurance, healthcare, and technology based on the latest collected cases reveals the following:

1. Shift to ecosystem-centric competition: Just like Daewoong Pharmaceutical's "Daewoong Alliance" case, building ecosystems connecting prevention, diagnosis, treatment, and care is becoming more important than competition limited to single insurers or pharmaceutical companies. Insurers must strengthen their role as data hubs within these ecosystems.
2. Data accessibility and deregulation act as catalysts: Policies like South Korea opening mobile health insurance certificates to private platforms facilitate the circulation of healthcare data, laying the groundwork for developing customized insurance products.
3. Mandatory AI risk management: As FSB's warning shows, since AI is changing the landscape of cyberattacks, insurers must build proactive, AI-driven risk management systems that go beyond mere cost reduction. The increase in global insurtech funding reflects market expectations for this technological innovation.