Skip to main content
Perspective:
Perspective

Digital Insurance Maturity 2025

Assessment of insurance digitalisation in the EMEA region

The most comprehensive global study of its kind, our Digital Insurance Maturity 2025 report aims to provide insurers with actionable insights to help them stay competitive, foster innovation, and achieve digital excellence. 

This year we assessed 93 insurers across 16 markets to deliver a complete view of how insurers are performing in the digital age. The report not only dives into digital functionalities but also user experience design, so that insurers can gain valuable insights into industry trends and inspiration to meet customer expectations. 

Key findings: 

-The shift toward digitally enabled engagement is no longer optional—it is a core business imperative.

-Generative AI (GenAI) has the potential to reshape customer service, underwriting, content creation, and product innovation.

-To meet customer expectations, insurers must embrace hybrid distribution models, combining robust digital channels with personalised advisory through agents or intermediaries.

-Getting the right talent and culture is key to capitalise on AI opportunities.

-Leading insurers recognise that true digital maturity requires an integrated, front-to-back transformation. 

Read the full report here. 

Get in touch

Katerina Glava

Katerina Glava

Greece
Equity Partner, Engineering, AI & Data Leader

Katerina is a seasoned leader in AI, Data, and Engineering, driving technology-led business transformation in the Financial Services sector and beyond. With nearly 30 years of experience across banking, energy, telecommunications, and the public sector, she specializes in end-to-end digital transformation—helping organizations maximize operational efficiency, adopt cutting-edge technologies, and accelerate their digital agenda. Her expertise spans strategic operating model design, IT assessments, large-scale technology transformations, cloud migration, application modernization, AI-driven insights, and next-generation service delivery models. A trusted advisor to C-level executives, Katerina is at the forefront of shaping the future of AI and data-driven decision-making, driving innovation that delivers measurable business impact.

Read full bio
Stelios Mantas

Stelios Mantas

Greece
Partner, Customer Leader

Stelios is a Partner and the Customer Leader at Deloitte. With over 25 years of experience, he specializes in CRM, Digital Transformation, Business Process Transformation, Data Management, Analytics, and Technology Strategy. He has demonstrated his expertise and leadership skills in various roles. Throughout his career, he has successfully led numerous digital innovation projects and complex transformation programs for major financial institutions in Greece and Eastern Europe. Stelios holds a BSc degree in Physics from the National and Kapodistrian University of Athens and an MSc degree in Business Innovation & Technology.

Let's connect

Deloitte refers to one or more of Deloitte Touche Tohmatsu Limited (“DTTL”), its global network of member firms and their related entities (collectively, the “Deloitte organization”). DTTL (also referred to as “Deloitte Global”) and each of its member firms and related entities are legally separate and independent entities, which cannot obligate or bind each other in respect of third parties. DTTL and each DTTL member firm and related entity is liable only for its own acts and omissions, and not those of any of each other. DTTL does not provide services to clients. Please see www.deloitte.com/about to learn more.

Deloitte Business Solutions Societe Anonyme of Business Consultants, a Greek company, registered in Greece with registered number 000665201000 and its registered office at Marousi Attica, 3a Fragkokklisias & Granikou str., 151 25, Deloitte Certified Public Accountants Societe Anonyme, a Greek company, registered in Greece with registered number 0001223601000 and its registered office at Marousi, Attica, 3a Fragkokklisias & Granikou str., 151 25 and Deloitte Alexander Competence CenterSingle Member Societe Anonyme of Business Consultants, a Greek company, registered in Greece with registered number 144724504000 and its registered office at Thessaloniki, Municipality of Pylaia - Chortiatis of Thessaloniki, Vepe Technopolis Thessaloniki (5th and 3rd street), are all companies of the Deloitte Central Mediterranean S.r.l. (“DCM”) geography. DCM, a company limited by guarantee registered in Italy with registered number 09599600963 and its registered office at Via Santa Sofia no. 28, Milan, Italy is one of the Deloitte NSE LLP geographies. Deloitte NSE LLP is a UK limited liability partnership and member firm of DTTL, a UK private company limited by guarantee.

This communication contains general information only, and Deloitte Business Solutions Societe Anonyme of Business Consultants, Deloitte Certified Public Accountants Societe Anonyme and Deloitte Alexander Competence Center Single Member Societe Anonyme of Business Consultants, is not, by means of this communication, rendering professional advice or services. Before making any decision or taking any action that may affect your finances or your business, you should consult a qualified professional adviser.

No representations, warranties or undertakings (express or implied) are given as to the accuracy or completeness of the information in this communication, and none of DTTL, its member firms, related entities, employees or agents shall be liable or responsible for any loss or damage whatsoever arising directly or indirectly in connection with any person relying on this communication.

© 2026 For more information contact Deloitte Central Mediterranean.