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Uli Kleber, The Digital Insurer
EXECInsurtech conference, Cologne, Germany November 13th & 14th 2017
EXECInsurtech REVIEW
EXECInsurtech – REVIEW
2
Rooted in the start up community Pirate events shape the digital age:
• EXECInsurtech and Fintech (Cologne – year-end & Berlin – spring)
• Riot (later-stage innovations festival – Berlin, June) and
• Pirate Summit (seed-stage start ups – Cologne, September)
• EXEC gathered a curated crowd of start up entrepreneurs, corporates
and investors for a two day application-only conference in Cologne.
• In its successful fourth year, EXECInsurtech Cologne now exclusively
focused on insurtechs with 700+ attendees with 46% start ups, 28%
corporates, 22% investors and 4% others (press, service providers…)
from 30+ nationalities.
• This deck captures some personal takeaways and comments from the
event. Please forgive all errors and omissions!
You have grown up so much!..
3
EXEC Berlin – April 2017 EXEC Cologne – November 2017
Seven months later Insurtech fills the big stage – congratulations!
Seed stage Huge stage
InsurLab Germany launched as one of
Germany’s Digital Hubs
4
• Launch of the #InsurLabDE Germany
• Chosen as the Insurtech hub by Germany’s
government-supported Digital Hubs initiative
focusing on digital innovation
• USP: InsurLab has 35 members (and growing)
from the insurance space covering about 35%
market share
• Advantage for insurers: access to technology
without having to launch an in-house accelerator
• Advantage for startups: access to a broad
network of insurers with different size, business
focus and entity type
Interview with: Torsten Oletzky
Access to coworking spaces and insurer
network for early stage startups
5
• What’s in it for me, if I am a startup?
• 20 coworking spaces available for startup teams
• Access to and interaction with diverse group of supporting insurers
• How do we know that we fit the criteria?
• Initial or early stage phase (no corporate spin-offs) from all over Germany
• Relevant insurance use case, innovative with digital elements
• Disrupt or collaborate – you are equally welcome
• How can we apply?
• Apply through development track starting on November 27th
• Impress InsurLab’s Network manager during a pitch competition
Pitch competition – 16 startups in two batches
competing for fame and glory
6
Seed stage: Series A+ stage:
Insurance Shaper of the year Award
PITCH winners – Feel & Etherisc
7
Insurance Shaper of the year Award
• Category Seed:
Feel
• Category Series A+:
Etherisc
FEEL – in touch with your emotions and moods
8
• Idea: Objective data and real-time access can create emotional awareness and
change behaviors
• Why: Mental health professionals traditionally had to rely on subjective
diagnoses. Feel provides objective data to integrate emotional health aids into
daily life
• How: IoT bracelet monitors responses in nervous system (heart rate, skin
conductivity and temperature) and uses algorithm to match biomarkers to
emotional states & patterns.
• First phase: 6.000 paying beta testers have participated in a 1:1 interaction
through regular nudges from the feel app
• Next steps 2018: Include therapist (user’s own or feel-certified CBT* therapist)
into the interaction, for example to deal with critical incidents like panic
attacks
Interview with: George Eleftheriou
*CBT = Cognitive Behavioral Therapy
Etherisc – building the decentralized blockchain
ecosystem for transparent insurance products
9
• Idea: Disintermediate the insurance market by providing transparent peer-to-
peer access to insurance products based on the blockchain technology
• How: Etherisc provides the block-chain based environment in which different
players can come together and jointly develop product ideas spanning the
whole insurance value chain
• Vision: To be the go-to platform for building decentralized insurance
applications based on blockchain technology
• First phase: Two product use cases developed on blockchain technology:
• Flight delay insurance
• Crop insurance
• Next steps 2018: Obtain an EU-insurance license to not only provide the
technical environment but also the legal framework for new insurance products
Interview with: Stephan Karpischek
Fireside chat –
Can full stack insurtechs be the new “it-model”?
10
Insurtech value propositions:
• Communication and claims:
 Communicate clearly with quick turnaround (Max – Coya)
 Unified and personal messaging
• Flexibility and knowledge:
 Mix & match your coverages and durations
 Know your customer inside out
• Simple and hassle-free:
 What is covered – plain and simple
 Interfaces – easy to use
Moderator: Moritz Finkelnburg (Goethe Business School)
Panelists: Max Bachem (COYA)
Ferdinand v. Benigsen (BCG Digital Ventures)
Dominik Groenen (Flypper)
Richard Hector (Element)
Insurtech staffing insight:
• Tech background: 60-70%
• Insurance background: 30-40%
How to deal with high customer acquisition costs:
• Focus on customer lifetime value & cross-selling
(Ferdinand – BCG Digital Ventures)
• Work with brokers and insurers with existing
relationships (Dominik – flypper and Hector –
Element)
 Successful models often leverage B2B2C niche
technology and collaboration
Key takeaways on..
Moderator: Robin Kiera
Panelists: Dorota Zimnoch (The Heart)
Stephan Karpischek (Etherisc)
Nina Siedler (DWF)
Panel –
The Future is now: Blockchain in the insurance industry
11
Panel quick poll – blockhain‘s insurance future in 10 years?
• „50% of revenue!“ (Stephan – Etherisc)
• „Base technology!“ (Niva – DWF)
• „Widely adopted!“ (Dorota – The Heart)
What is needed for a wide adoption of blockchain?
• Trust and then do your due diligence just like in the „real“ world
• More education and knowledge – especially for regulators – go and set up your
bitcoin wallet now!
• Further use cases – we have only scratched the tip of the iceberg
Success is a question of regulatory support:
• Country competition is starting – regulation and legal systems
are key
• Eastern Europe has invested a lot in resources and talent
 focus on Estonia – blockchain nation:
 E-Residency
 E-Health
 Now considering an Initial Coin Offering (ICO) for „Estcoin“
• Swiss government supported set up of Crypto valley in Jan 2017
Key takeaways on..
Final takeaways and impressions
12
• Insurtech is maturing – next wave of startups
with new focus:
• Healthcare and health-related start ups
• development of targeted niche
applications within the insurance value
chain
• A lot of interaction between startups and
incumbent insurers – collaboration is key
• Funding and willingness to collaborate is
abundant – another reason why lately the
number of enablers > disruptors
Thank you for reading!
13
As a token of gratitude I have made you some..Oops..I hope you have insurance for this?
Picture credits
14
Slide 7 – 275_1.jpg on http://gratisography.com/ by Ryan McGuire is licensed under CC0 1.0
Slide 12 – 364H.jpg and 444_1.jpg on http://gratisography.com/ by Ryan McGuire are licensed under CC0 1.0
Slide 13 – 412H.jpg on http://gratisography.com/ by Ryan McGuire is licensed under CC0 1.0
All other pictures: own and courtesy of Pirate.global/EXEC

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EXECInsurtech Review-Old

  • 1. Uli Kleber, The Digital Insurer EXECInsurtech conference, Cologne, Germany November 13th & 14th 2017 EXECInsurtech REVIEW
  • 2. EXECInsurtech – REVIEW 2 Rooted in the start up community Pirate events shape the digital age: • EXECInsurtech and Fintech (Cologne – year-end & Berlin – spring) • Riot (later-stage innovations festival – Berlin, June) and • Pirate Summit (seed-stage start ups – Cologne, September) • EXEC gathered a curated crowd of start up entrepreneurs, corporates and investors for a two day application-only conference in Cologne. • In its successful fourth year, EXECInsurtech Cologne now exclusively focused on insurtechs with 700+ attendees with 46% start ups, 28% corporates, 22% investors and 4% others (press, service providers…) from 30+ nationalities. • This deck captures some personal takeaways and comments from the event. Please forgive all errors and omissions!
  • 3. You have grown up so much!.. 3 EXEC Berlin – April 2017 EXEC Cologne – November 2017 Seven months later Insurtech fills the big stage – congratulations! Seed stage Huge stage
  • 4. InsurLab Germany launched as one of Germany’s Digital Hubs 4 • Launch of the #InsurLabDE Germany • Chosen as the Insurtech hub by Germany’s government-supported Digital Hubs initiative focusing on digital innovation • USP: InsurLab has 35 members (and growing) from the insurance space covering about 35% market share • Advantage for insurers: access to technology without having to launch an in-house accelerator • Advantage for startups: access to a broad network of insurers with different size, business focus and entity type Interview with: Torsten Oletzky
  • 5. Access to coworking spaces and insurer network for early stage startups 5 • What’s in it for me, if I am a startup? • 20 coworking spaces available for startup teams • Access to and interaction with diverse group of supporting insurers • How do we know that we fit the criteria? • Initial or early stage phase (no corporate spin-offs) from all over Germany • Relevant insurance use case, innovative with digital elements • Disrupt or collaborate – you are equally welcome • How can we apply? • Apply through development track starting on November 27th • Impress InsurLab’s Network manager during a pitch competition
  • 6. Pitch competition – 16 startups in two batches competing for fame and glory 6 Seed stage: Series A+ stage:
  • 7. Insurance Shaper of the year Award PITCH winners – Feel & Etherisc 7 Insurance Shaper of the year Award • Category Seed: Feel • Category Series A+: Etherisc
  • 8. FEEL – in touch with your emotions and moods 8 • Idea: Objective data and real-time access can create emotional awareness and change behaviors • Why: Mental health professionals traditionally had to rely on subjective diagnoses. Feel provides objective data to integrate emotional health aids into daily life • How: IoT bracelet monitors responses in nervous system (heart rate, skin conductivity and temperature) and uses algorithm to match biomarkers to emotional states & patterns. • First phase: 6.000 paying beta testers have participated in a 1:1 interaction through regular nudges from the feel app • Next steps 2018: Include therapist (user’s own or feel-certified CBT* therapist) into the interaction, for example to deal with critical incidents like panic attacks Interview with: George Eleftheriou *CBT = Cognitive Behavioral Therapy
  • 9. Etherisc – building the decentralized blockchain ecosystem for transparent insurance products 9 • Idea: Disintermediate the insurance market by providing transparent peer-to- peer access to insurance products based on the blockchain technology • How: Etherisc provides the block-chain based environment in which different players can come together and jointly develop product ideas spanning the whole insurance value chain • Vision: To be the go-to platform for building decentralized insurance applications based on blockchain technology • First phase: Two product use cases developed on blockchain technology: • Flight delay insurance • Crop insurance • Next steps 2018: Obtain an EU-insurance license to not only provide the technical environment but also the legal framework for new insurance products Interview with: Stephan Karpischek
  • 10. Fireside chat – Can full stack insurtechs be the new “it-model”? 10 Insurtech value propositions: • Communication and claims:  Communicate clearly with quick turnaround (Max – Coya)  Unified and personal messaging • Flexibility and knowledge:  Mix & match your coverages and durations  Know your customer inside out • Simple and hassle-free:  What is covered – plain and simple  Interfaces – easy to use Moderator: Moritz Finkelnburg (Goethe Business School) Panelists: Max Bachem (COYA) Ferdinand v. Benigsen (BCG Digital Ventures) Dominik Groenen (Flypper) Richard Hector (Element) Insurtech staffing insight: • Tech background: 60-70% • Insurance background: 30-40% How to deal with high customer acquisition costs: • Focus on customer lifetime value & cross-selling (Ferdinand – BCG Digital Ventures) • Work with brokers and insurers with existing relationships (Dominik – flypper and Hector – Element)  Successful models often leverage B2B2C niche technology and collaboration Key takeaways on..
  • 11. Moderator: Robin Kiera Panelists: Dorota Zimnoch (The Heart) Stephan Karpischek (Etherisc) Nina Siedler (DWF) Panel – The Future is now: Blockchain in the insurance industry 11 Panel quick poll – blockhain‘s insurance future in 10 years? • „50% of revenue!“ (Stephan – Etherisc) • „Base technology!“ (Niva – DWF) • „Widely adopted!“ (Dorota – The Heart) What is needed for a wide adoption of blockchain? • Trust and then do your due diligence just like in the „real“ world • More education and knowledge – especially for regulators – go and set up your bitcoin wallet now! • Further use cases – we have only scratched the tip of the iceberg Success is a question of regulatory support: • Country competition is starting – regulation and legal systems are key • Eastern Europe has invested a lot in resources and talent  focus on Estonia – blockchain nation:  E-Residency  E-Health  Now considering an Initial Coin Offering (ICO) for „Estcoin“ • Swiss government supported set up of Crypto valley in Jan 2017 Key takeaways on..
  • 12. Final takeaways and impressions 12 • Insurtech is maturing – next wave of startups with new focus: • Healthcare and health-related start ups • development of targeted niche applications within the insurance value chain • A lot of interaction between startups and incumbent insurers – collaboration is key • Funding and willingness to collaborate is abundant – another reason why lately the number of enablers > disruptors
  • 13. Thank you for reading! 13 As a token of gratitude I have made you some..Oops..I hope you have insurance for this?
  • 14. Picture credits 14 Slide 7 – 275_1.jpg on http://gratisography.com/ by Ryan McGuire is licensed under CC0 1.0 Slide 12 – 364H.jpg and 444_1.jpg on http://gratisography.com/ by Ryan McGuire are licensed under CC0 1.0 Slide 13 – 412H.jpg on http://gratisography.com/ by Ryan McGuire is licensed under CC0 1.0 All other pictures: own and courtesy of Pirate.global/EXEC

Notas do Editor

  1. KPMG again represented and fully engaged across the various platform and pitch sessions, as well as providing much-needed respite through free massage services combined with business insights at the KPMG stand! Felt there was even more diversity across the range of topics and business ecosystem than last year One of the many memorable sessions for me came from the CEO of Razer Min-Liang Tan, who went to some lengths to stress the importance of “the community” if you want to really be successful: be part of it (truly – Razers tagline is “for gamers, by gamers” and it drives everything that they do); always communicate (across various platforms) and; never compromise (always do right by the community). He stressed the importance of not thinking of your customers as a different group to those of your team and, trusting that starting with what you and the community want is far more powerful than starting-out seeking opportunities to drive ROI. Easier said than done for many insurers, but never-the-less, wise words from someone with their finger on the pulse and currently powering ahead….