2025-05-13-Capgemini-应对不断变化的风险的4个关键策略-你准备好迎接人口老龄化+城市化了吗_（英）_9页_801kb

4 Key Strategies for Addressing Changing Risks: Aging Population & Urbanization

1. Geographic, Demographic & Economic Shifts as Drivers of Risk

• Aging shifts dependency ratios: By 2050, 26 seniors per 100 working-age individuals (up from 16).
• Urbanization concentrates 70% of the population by 2050 into high-risk environments (climate, infra).
• Consequences: Need recalibrated underwriting, new pricing models, modular coverage.

2. Underwriting & Product Redesign

• Insurers must realign geographic focus:
  • Pursue high-growth markets like India.
  • Balance mature vs. growth geographies.
  • Adopt urban-centric underwriting.
• Insurance must address new risk forms like cyber/virtual reality liability.
• Develop assistance-based models, not just indemnity, to support risk lifecycle beyond just loss.

3. Ecosystem & Industry Collaboration

• Build new partnerships across industries:
  • Mobility tech with automakers.
  • Smart home/health tech alliances.
  • Climate public-private collaboration for resilience.
  • Talent transformation to integrate new skills/tech.

4. Operational & Workforce Transformation

• Actions:
  • Accelerate knowledge transfer (mentorships, documentation).
  • Upskill for AI/analytics/cloud capabilities.
  • Retain/exploit older talent (flexible roles).
  • Attract diverse talent pools from adjacent fields.

The report concludes demographics and ecosystem shifts must drive a triad of changes: underwriting recalibration, flexible product design and strategic vertical/potential alliances are key to future P&C viability.