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Demand for medical and protection insurance is increasing

Protection insurance

Demand for medical and protection insurance is accelerating, shaped by powerful global and local pressures. Aging populations continue to drive the need for long-term healthcare, while the experience of Covid-19 has heightened awareness of both healthcare security and the importance of travel protection.

Across many countries, public health systems are struggling with record waiting lists, pushing individuals and employers to seek faster alternatives. Meanwhile, advances in medical technology are expanding treatment options — often at significant cost — and a sharp rise in mental health conditions is reshaping workforce health needs, with more than 30 million working days lost in the UK in 2024 alone. Together, these forces are transforming demand — the real question is: are your systems able to support your ambitions?

Actisure helps insurers stay ahead of rising demand with flexible product design, automation at scale, and seamless digital integration. Launch new products quickly, cut costs with straight-through processing, and deliver the fast, transparent experiences customers expect. Whether it’s tackling waiting list pressures, expanding mental health cover, or meeting renewed demand for travel protection post-COVID, Actisure gives insurers the agility to adapt and the efficiency to grow.

James Bardell,
Sales & Marketing Manager

Gen Z insurance

A new kind of customer
is here...

A new generation is reshaping the future of insurance — Gen Z, who are set to become the primary customer base within the next 10 years. Digital and mobile-first, they expect services to be instant, intuitive, and always accessible.

They want tailored packages that match their lifestyle and values, yet with low loyalty and high expectations, they will switch providers if their needs aren’t met. Just as importantly, sustainability matters to them, influencing both purchasing decisions and brand perception. Insurers who don’t adapt risk being left behind, while those who embrace these demands will capture the loyalty of tomorrow’s dominant customer group.

Actisure gives insurers the tools to meet Gen Z expectations head-on. With API-driven digital integration and mobile-first self-service, you can deliver the instant, intuitive experiences they demand. Flexible product configuration allows tailored packages without complexity, while advanced automation ensures speed, accuracy, and lower costs. And with hosting on sustainable, energy-efficient cloud infrastructure, Actisure helps insurers align with Gen Z’s values on sustainability — turning high expectations into lasting loyalty.

Market challenges

  • Managing complex, multi-country products with varying regulations and coverage requirements
  • High administrative costs of enrolment, billing, claims, and compliance across geographies
  • Growing demand for digital-first, self-service experiences from globally mobile members
  • The need for multi-currency, multi-language support and flexible benefit structures

How Actisure helps

  • Configurable product building blocks make it easy to design and manage complex IPMI products across multiple jurisdictions
  • Full multi-currency and multi-language support, ensuring compliance and member satisfaction worldwide
  • Powerful automation (claims STP, billing, membership) reduces operational costs and errors
  • API-driven digital integration enables insurers to offer seamless, branded member experiences while Actisure powers the back-end

Market challenges

  • Rising claims and treatment costs, putting pressure on premiums and profitability
  • Increased focus on member experience and retention, with demand for digital self-service and fast turnaround
  • Compliance with local regulations and governance requirements
  • Managing corporate schemes alongside individual policies, with flexibility for tailored benefits

How Actisure helps

  • End-to-end policy, claims, and finance management to control costs and improve efficiency
  • Automation and self-service reduce admin overhead while giving members faster, more accurate service
  • Product override features let insurers tailor corporate schemes without maintaining huge catalogues of products
  • Configurable workflows and business rules ensure compliance with local regulation and governance standards

Market challenges

  • Highly price-competitive market, with pressure on margins
  • Large volumes of low-value, short-duration policies requiring lean, automated administration
  • Complex claims handling (medical, cancellation, baggage) often spanning multiple jurisdictions
  • Growing expectation for real-time digital sales and claims processing

How Actisure helps

  • Fully automated end-to-end policy and claims processing keeps costs low and throughput high
  • Scalable SaaS deployment supports high volumes of short-duration policies without adding overhead
  • Rules-driven claims engine accelerates assessment and settlement while reducing fraud and leakage
  • Flexible digital sales integration ensures fast, seamless purchase journeys online or through partners