Who we are

The Open and Embedded Insurance Observatory performs research and advisory on the global applications of Open and Embedded insurance.

Purpose of the Observatory is to co-create and strengthen the knowledge base on Open and Embedded insurance, and to facilitate and promote their adoption in the market.

Based on the ongoing observation and decoding of the global applications of Open and Embedded insurance, we analyze the information captured, connect them to draw a coherent and meaningful view of the market, and deliver actionable insights on the success cases and lessons learned leveraging on our extensive advisory experience.

What we focus on

The Observatory focuses on any solution based on shared insurance Data and Capabilities, usually via API, to enable data-powered insurance solutions and to make insurance a feature of a non-insurance product or service.


Embedded Insurance: firing-up new opportunities in Life and Health insurance ecosystems.

Oct 12, 2022, Webinar

Based on a 2021 Swiss Re report, the global health protection gap reached a record high of $747b in 2021, with two thirds of the gap coming from emerging markets. Closing this gap presents significant growth opportunities for all players within the health and life ecosystem: digital health investment around the world hit an all-time high of $57.2 billion in funding in 2021, with a 79% increase compared with 2020. With the promise of providing seamless and customized health and life insurance services in the day-to-day people lives, embedded life and health insurance is widely considered by the industry players as the most relevant opportunity to tap into new untouched customer bases and to reduce the life and health protection gap.

Speakers and panelists: Generali, SAS Institute, Alchemy Crew, Mia-Care, InsureMO, Open, The Carevoice.

Embedded Insurance for SMEs: opportunities with Vertical Saas, Digital Platrofms and Marketplaces.

Sept 21, 2022, Webinar

With the promise of providing customised insurance in the day-to-day activities of SMEs, a growing number of insurance and reinsurance companies are leveraging technology and data to seamlessly embed relevant insurance solutions into their business customers' journeys, creating new contextual opportunities to reduce the commercial insurance protection gap. With an estimated 50% SMEs around the world underinsured, closing this gap presents significant growth opportunities for all players within the SME ecosystem. With this webinar we will take a closer look at how embedded insurance can harness technology and data to unlock new market opportunities in the SME insurance segment.

Speakers and panelists: Codat, Superscript, Kayna, Cober,io, Planck, Swiss Re, HSBC, Procore.

2022 plenary meeting (Europe)

June 14, 2022, London

The 14th of June we have organized in London our 2022 European plenary meeting, an in person event dedicated to our members.

Speakers and panelists: Wakam, Assicurazioni Generali, Mia Platform, Zhong An Tech, Insurely, Wolt, Hiscox, Codat, Superscript, Nimbla.

Unbundling open and embedded insurance: a view from investors.

May 17, 2022, workshop

What's the current state of insurtech investments, and what opportunities investors see in embedded and open insurance.

Speakers: Barclays Investment Bank, MS&AD Ventures, Sønr.

Keynote speech for Reuters event The Future of Insurance Europe 2021.

November 4, 2021, presentation

Presentation: Open & Embedded Insurance
  • The two pillars of Open and Embedded Insurance: shared data and shared capabilities
  • Why this is the right time for Open and Embedded insurance
  • Insights from the Open and Embedded Insurance Observatory

Initiative presentation

OpEmbInsObs Intro deck.pptx


Ecosystem partners

Get in touch

For any information on the Open and Embedded Insurance Observatory feel free to contact us at info@openinsuranceobs.com