For the tenth consecutive year, Qorus demonstrates both its staying power and its status as the world’s benchmark ecosystem for financial innovation. On the 10th anniversary of the Innovation in Insurance Awards, Qorus honored the sector’s most cutting-edge solutions during an in-person ceremony held in Warsaw on June 17, 2025—reaffirming its ongoing commitment to excellence and innovation.

This year, the competition saw remarkable participation, with 272 projects submitted by 146 institutions across 49 countries. Supported by its global partner NTT DATA, the event celebrates initiatives that are actively reshaping the insurance sector.

This category recognizes the creation and/or application of innovative technology that substantially enhances the customer experience and/or develops new sources of value for insurers. It is reserved for insurance start-ups and spin-offs, and technology firms targeting the insurance industry. Innovations must be stage-one funded, have a market release proposition, and/or have completed a successful market proof of concept.

Gold winner
Automated Pay-As-You-Go travel insurance by Ledgertech (Switzerland)
Ledgertech is providing travelers easy access to insurance and opening new distribution channels for insurers by embedding pay-as-you-go cover into the roaming and eSIM bundles sold by telecoms operators. Its embedded insurance solution, which automatically activates cover while the traveler is abroad, is available in several EMEA countries and marketed by a variety of insurers and telecommunications companies. Read the full case study

Silver Winner
AI for Pet (South Korea)
AI for Pet developed a mobile app that uses AI, image scanning technology and an extensive proprietary dataset to identify early signs of illness in pets. The AI for Pet app, which enables vets and pet care workers to scan an animal’s eyes, skin or teeth to detect health problems with 95% accuracy, enhances preventative care and reduces treatment costs. Read the full case study

Bronze Winner
Customer-centric cover by KakaoPay Insurance (South Korea)
KakaoPay Insurance is using South Korea’s leading digital messaging platform as a distribution channel to provide tech-savvy customers convenient access to a range of cover. Within 16 months of launching its offerings on the KakaoTalk platform, the company enrolled two million policyholders and became the country’s leading travel insurance provider with 99% of its claims now processed through online channels. Read the full case study

The Operational Efficiency category commends insurance companies for implementing scalable processes that drive improved efficiency, supporting a faster pace of growth for the bank's revenue stream and asset base compared to its overhead costs.

Gold Winner
Claims processing ecosystem by Swiss Re (Switzerland)
Swiss Re built a comprehensive claims processing ecosystem that incorporates AI and multiple external data sources and seamlessly integrates workflow, analytics, and document management systems in a single platform. Available as a SaaS offering, the ecosystem enables Swiss Re clients to reduce turnaround times and enhance the customer experience they provide by using bespoke, empathetic digital instructions to guide claimants through the claims process. Read the full case study

Silver Winner
Litigation prediction system by Aksigorta (Turkey)
Aksigorta strengthened its claims management by implementing an AI system that reviews claims, quickly predicts the likelihood of them leading to litigation, and estimates their probable financial outcome. The system, which analyzes a range of data including customer history, call center interactions, and accident details, has sped up claims processing and reduced costs. Read the full case study

Bronze Winner
Agent virtual assistant by Santalucía Seguros (Spain)
Santalucía Seguros increased the efficiency of its agents by providing them with an intelligent virtual assistant that gives them quick and accurate responses to customer inquiries while increasing their product knowledge. Accessible on the Microsoft Teams platform, the virtual assistant, which uses the Retrieval-Augmented Generation (RAG) AI architecture to recover information and ensure that agents’ answers are accurate, has reduced client response times by 85%. Read the full case study

Sustainability is a holistic, integrated priority that touches on many aspects of the insurance value chain. We celebrate innovations that advance insurance’s social purpose and its commitment to being a good corporate citizen and a true ally of its customers.

Gold Winner
Sofia by Fidelidade (Portugal)
Fidelidade is responding to the needs of Portugal’s growing number of elderly residents by launching an assistance service that offers senior citizens fitness and social activities, household management and maintenance support, and personalized nutrition and healthcare guidance. The Sofia service addresses the social, mental and physical needs of senior citizens and recognizes the importance of their autonomy and dignity. Read the full case study

Silver Winner
DRC agriculture insurance by Axa Climate (France/Democratic Republic of Congo)
AXA Climate is working with local insurers and government agencies in the Democratic Republic of Congo (DRC) together with the World Bank and the World Food Programme to protect around 300,000 smallholder farmers from the effects of extreme weather. The climate insurance solution developed by AXA Climate and its partners will issue farmers digital payments of up to US$100 a year to compensate for losses caused by drought or floods. Read the full case study

Bronze Winner
My Savings Carbon Footprint by Société Générale Assurances (France)
Société Générale Insurance is helping customers understand the environmental impact of their life insurance contracts by providing them with an online tool that indicates the carbon emissions associated with their products. Seamlessly integrated with client service portals, the Mon Empreinte Epargne (My Savings Carbon Footprint) tool uses input from data provider Carbon4 Finance and allows policyholders to see how their impact on climate change could be reduced by adjusting their life insurance portfolios. Read the full case study

Innovation is driven by an organization’s culture. We acknowledge the innovative insurers that successfully bring together people, culture, leadership, organization and technology, enabling them to realize the full potential of the human and machine workplace. 

Gold Winner
ERGO GPT by ERGO (Germany)
ERGO built a GenAI platform that gives its workforce access to the capabilities of ChatGPT without compromising the security of the organization’s data. ERGO GPT, which processes data exclusively within the insurer’s secure networks, is already used regularly by nearly half the company’s 30,000 employees to improve customer service and operational efficiency and has also encouraged greater staff participation in digital transformation and skills development. Read the full case study

Silver Winner
PieceWise by Ping An (China)
Ping An improved the sales training it provides insurance agents by developing a digital learning platform that uses GenAI to search the organization’s 3.5 million instruction videos and retrieve concise micro-lessons. The PieceWise platform provides agents with easy access to short, personalized video and text tutorials and has significantly increased engagement with the insurer’s extensive library of instruction material. Read the full case study

Bronze Winner
6S Project by Cathay Life Insurance (Taiwan)
Cathay Life Insurance launched a comprehensive workforce transformation project that combines digital technologies with employee engagement initiatives to increase productivity, encourage innovation, and promote sustainability. The 6S Project (Simple, Smart, Smooth, Smile, Safe & ESG) has reduced agent administration workloads by 60%, cut the time required for claims-process training by 50%, generated 64 technology patents, and through its Fitback exercise program saved 180,000 tons of carbon emissions. Read the full case study

In this category we recognize innovations that significantly enhance, extend or replace the traditional offer. This can be achieved by 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.

Gold Winner
MyBox VidaCare by VidaCaixa (Spain)
VidaCaixa is meeting the needs of senior citizens and their families with the introduction of an insurance solution that combines support services and financial cover to safeguard against the loss of autonomy caused by neurodegenerative diseases. MyBox VidaCare, which includes life and health insurance as well as a range of medical and care services, covers Alzheimer's and Parkinson's disease as well as multiple sclerosis and dementia. Read the full case study

Silver Winner
Digital Protection Insurance by Bradesco Seguros (Brazil)
Bradesco Seguros responded to the rising threat of cybercrime by launching an insurance offering that protects its clients against financial losses from unauthorized mobile banking transactions. The introduction of Digital Protection Insurance, which covers losses incurred by theft, fraud, or coercion, has increased premium revenue, enhanced customer satisfaction and trust, and reduced reports of unauthorized transactions. Read the full case study

Bronze Winner
Home Powering by Allianz Partners (Spain)
Allianz Partners created a comprehensive energy transition service that supports the insurer’s partners around the world as they help customers reduce carbon emissions from their buildings. The HomePowering offering, which combines Allianz Partners’ technology, services and risk management capabilities, spans building assessments, upgrades, subsidies, maintenance, warranties and insurance, and has already earned the company €12.4 million and secured new partnerships in the EU and India. Read the full case study

Customers are a critical consideration in innovation. Here, we award innovations that significantly enhance the way companies engage with customers. These new approaches create value through, for example, seamless and personalized experiences across physical and/or digital channels, new customer management models, artificial-intelligence-driven advice, and innovative management of customer loyalty and satisfaction.

Gold Winner
Personal Health Pathways by Discovery (South Africa)
Discovery has drawn on its extensive data resources and behavioral science capabilities across 40 countries to launch a digital platform that uses predictive AI and analytics systems to encourage medical scheme members to better understand, manage and improve their health. The Personal Health Pathways platform delivers personalized prompts and rewards that coax members to build habits, such as regular healthcare screenings, prudent chronic condition management and smart lifestyle choices, that enhance their wellbeing. Read the full case study

Silver Winner
Panoptic COME Agentic System by Ping An (China)
Ping An built an intelligent digital platform that uses three distinct GenAI agents to engage with potential life insurance customers at touchpoints that best suit their needs. The Panoptic COME Agentic System, which spans touchpoints such as the Xiaohongshu social media platform and WeChat messaging service as well as in-person visits by Ping An representatives, has boosted the insurer’s customer acquisition by 30%, pushed up proactive inquiries by 94%, and increased conversion rates by 78%. Read the full case study

Bronze Winners
Connected Auto Claim by Bradesco Seguros (Bradesco)
Bradesco Seguros streamlined its automotive claims process by building a digital platform that uses AI, real time data and automation technologies to speed up turnaround times, reduce costs and improve customer engagement. The Connected Auto Claim platform, which can be accessed from a range of communications channels, is linked to vehicle telemetry systems as well as partner repair networks and provides customers with instant claim notification, remote assessment, and guided service booking. Read the full case sudy

The Distribution Innovation of the Year category honors groundbreaking approaches to delivering insurance products and services. Recognizing companies that have transformed distribution through enhanced customer engagement, expanded reach, or innovative use of technology, it highlights those redefining how insurance is accessed.

Gold Winner
Digital Customer Reviews Platform by Generali (France)
Generali France launched a digital platform that scans online customer reviews and alerts the insurer’s agents to client pain points, changes in competitor strategies, and the performance of their local representatives. The PAD (Plateforme Avis Digitaux) platform uses AI to analyze reviews on services such as Google, Pages Jaunes, and Trustpilot and identifies steps that would help agents improve their competitiveness. Read the full case study

Silver Winner
Data-backed approach lists by Aflac (Japan)
Aflac Japan is using data analytics and machine learning to refine its approach lists and improve sales of its supplemental health insurance.  Its advanced analysis of customer and touchpoint data, which enables it to predict conversion rates, prioritize prospects and optimize the scheduling of client calls, has boosted sales while also advancing digital literacy within the organization. Read the full case study

Bronze Winner
Smart LA by Ping An (China)
Ping An improved the management of its sales leads by developing a digital platform that uses GenAI and data analytics to match customers with the most suitable agents. The Smart LA platform, which tracks customer behavior, forecasts product demand, assesses agent compatibility, and automates sales scripts, has scanned 77 million sales leads and increased life insurance conversions by 55%, reduced operational costs by 37%, and boosted agent efficiency by 43%. Read the full case study

This category recognizes groundbreaking solutions that harness generative AI to enhance processes, products, and customer experiences in insurance—across areas like underwriting, claims, risk assessment, and customer engagement.

Gold Winner
TopGPT by Topdanmark Forsikring
Topdanmark Forsikring is using GenAI to enhance its interactions with customers and has developed an intelligent virtual assistant that answers client queries faster and more accurately than human agents or earlier rule-based chat bots. Since its launch last year, TopGPT has handled more than 150,000 client interactions, increased customer satisfaction promoter scores tenfold, and is on track to solve 80% of customer inquiries within 20 seconds. Read the full case study

Silver Winner
CompliMate by Ping An (China)
Ping An harnessed GenAI to help its auditors improve the speed and accuracy of regulatory compliance reviews. Its CompliMate system, which uses GenAI to audit documents, images, audio clips and videos, flag non-compliance, and suggest remedial action, can review material in under 10 minutes with 95% accuracy that would have taken up to five specialists as long as three days to audit. Read the full case study

Bronze Winner
VoiceIQ by Sabadell Seguros (Spain)
Sabadell Seguros strengthened customer loyalty and reduced client churn by applying GenAI to analyze retention calls. Its VoiceIQ platform, which uses GenAI to study how agents interact with clients and then suggest improvements, has enabled the insurer to better address the specific needs of customers, rectify poor service practices, and improve its retention call training. Read the full case study

See the other Innovation Radars

Would you like to submit your innovative project for the Qorus Innovation in Insurance Awards 2026? Simply complete this online form.