{"id":6548,"date":"2026-02-02T09:30:00","date_gmt":"2026-02-02T08:30:00","guid":{"rendered":"https:\/\/ambler.es\/insurtech-que-es-com-funciona-i-que-canvia-en-assegurances\/"},"modified":"2026-02-05T10:54:16","modified_gmt":"2026-02-05T09:54:16","slug":"insurtech-que-es-com-funciona-i-que-canvia-en-assegurances","status":"publish","type":"post","link":"https:\/\/ambler.es\/ca\/insurtech-que-es-com-funciona-i-que-canvia-en-assegurances\/","title":{"rendered":"Insurtech: qu\u00e8 \u00e9s, com funciona i qu\u00e8 canvia en assegurances"},"content":{"rendered":"\n<p>En els darrers anys, el sector assegurador ha viscut una transformaci\u00f3 silenciosa per\u00f2 profunda. Les companyies tradicionals han comen\u00e7at a adaptar els seus processos a noves formes de consum, <strong>m\u00e9s r\u00e0pides i digitals<\/strong>, que busquen oferir solucions m\u00e9s personalitzades i eficaces. Aquest canvi no \u00e9s casualitat: la <strong>tecnologia<\/strong> s\u2019ha convertit en un aliat estrat\u00e8gic per <strong>innovar i millorar l\u2019experi\u00e8ncia del client<\/strong>, donant lloc al que avui coneixem com a <strong>insurtech<\/strong>.  <\/p>\n\n<p>A <strong>Ambler<\/strong>, com a corredoria d\u2019assegurances, acompanyem empreses i particulars per analitzar riscos, comparar opcions i gestionar p\u00f2lisses amb un enfocament clar: ajudar-te a protegir el que t\u2019importa amb criteri i amb suport durant tota la vida de l\u2019asseguran\u00e7a. <\/p>\n\n<p>En aquest sentit, el fenomen <strong>insurtech<\/strong> no ens \u00e9s ali\u00e8: incorporem eines digitals i solucions tecnol\u00f2giques que faciliten la gesti\u00f3 de les teves assegurances, agilitzen processos i permeten oferir-te un servei m\u00e9s \u00e0gil, personalitzat i transparent, sense perdre <strong>l&#8217;acompanyament hum\u00e0<\/strong> que ens diferencia. <\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Qu\u00e8 \u00e9s el sector insurtech?<\/strong><\/h2>\n\n<p>El sector insurtech reuneix iniciatives tecnol\u00f2giques aplicades a l&#8217;asseguran\u00e7a amb un objectiu pr\u00e0ctic: <strong>millorar com es dissenya, es contracta i es gestiona una p\u00f2lissa<\/strong>. \u00c9s un terme que neix d&#8217;unir els termes de l&#8217;angl\u00e8s <em>insurance<\/em> i <em>technology<\/em>, i s&#8217;utilitza per parlar de la innovaci\u00f3 que est\u00e0 modernitzant la ind\u00fastria asseguradora.<\/p>\n\n<p>Quan parlem <strong>d&#8217;insurtech<\/strong> no ens referim nom\u00e9s a aplicacions o a comprar una asseguran\u00e7a des del m\u00f2bil. El concepte abasta un conjunt ampli de canvis: <strong>automatitzaci\u00f3 de processos, an\u00e0lisi avan\u00e7ada de dades, personalitzaci\u00f3 de cobertures, nous models de distribuci\u00f3 i nous productes<\/strong> pensats per a riscos actuals (per exemple, ciberseguretat o interrupcions operatives). <\/p>\n\n<h3 class=\"wp-block-heading\"><strong>Per qu\u00e8 l&#8217;auge de l&#8217;insurtech importa a empreses i particulars<\/strong><\/h3>\n\n<p>La rellev\u00e0ncia del moviment <strong>insurtech<\/strong> s\u2019ent\u00e9n r\u00e0pidament: <strong>redueix friccions<\/strong> (menys paperassa, m\u00e9s agilitat), <strong>accelera respostes<\/strong> (emissi\u00f3, assist\u00e8ncia, gesti\u00f3 de sinistres) <strong>i obre la porta a cobertures m\u00e9s adaptades a cada cas<\/strong>. En parallel, tamb\u00e9 planteja <strong>reptes<\/strong>: seguretat de la informaci\u00f3, \u00fas responsable de dades, transpar\u00e8ncia en la contractaci\u00f3 i compliment normatiu.<\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Qu\u00e8 \u00e9s una empresa insurtech?<\/strong><\/h2>\n\n<p>Una empresa <strong>insurtech<\/strong> \u00e9s una organitzaci\u00f3 que utilitza tecnologia per oferir productes o serveis vinculats a l&#8217;asseguran\u00e7a d&#8217;una forma diferent: <strong>m\u00e9s digital, m\u00e9s automatitzada o m\u00e9s personalitzada que la mitjana del mercat.<\/strong><\/p>\n\n<p>No totes fan el mateix. Algunes desenvolupen tecnologia per a asseguradores (per exemple, eines de tarifaci\u00f3, detecci\u00f3 de frau o atenci\u00f3), i d\u2019altres construeixen models complets de distribuci\u00f3 o assegurances integrades en altres serveis. <\/p>\n\n<h3 class=\"wp-block-heading\"><strong>Tipus habituals de companyies insurtech<\/strong><\/h3>\n\n<ul class=\"wp-block-list\">\n<li><strong>Plataformes de distribuci\u00f3 i comparaci\u00f3: <\/strong>apropen l\u2019asseguran\u00e7a a l\u2019usuari amb processos guiats i m\u00e9s senzills.<br\/><\/li>\n\n\n\n<li><strong>Asseguran\u00e7a embebuda<\/strong> <strong><em>(embedded insurance<\/em><\/strong>): integra la p\u00f2lissa com a part d&#8217;una compra o servei (per exemple, en adquirir un producte o contractar un servei digital).<br\/><\/li>\n\n\n\n<li><strong>Especialistes per risc: <\/strong>companyies centrades en un risc concret (molt com\u00fa en ciberseguretat per a pimes).<br\/><\/li>\n\n\n\n<li><strong>Prove\u00efdors tecnol\u00f2gics per a asseguradores: <\/strong>no venen al client final, sin\u00f3 que donen tecnologia a asseguradores o corredories.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\"><strong>Com est\u00e0 canviant l&#8217;asseguran\u00e7a gr\u00e0cies a l&#8217;insurtech<\/strong><\/h2>\n\n<p>La transformaci\u00f3 <strong>insurtech<\/strong> es nota en moments concrets del cicle de l&#8217;asseguran\u00e7a. Hi ha quatre \u00e0rees on el canvi \u00e9s m\u00e9s visible. <\/p>\n\n<h3 class=\"wp-block-heading\"><strong>Cotitzaci\u00f3 i contractaci\u00f3<\/strong><\/h3>\n\n<p>La millora sol venir per dues vies: <strong>formularis m\u00e9s curts i processos m\u00e9s clars.<\/strong> A m\u00e9s, es veu en la capacitat <strong>d&#8217;ordenar<\/strong> informaci\u00f3 de riscos i agilitzar propostes, especialment en sectors amb exposici\u00f3 t\u00e8cnica (tecnologia, log\u00edstica, construcci\u00f3).<\/p>\n\n<h3 class=\"wp-block-heading\"><strong>Disseny de cobertures i personalitzaci\u00f3<\/strong><\/h3>\n\n<p>La personalitzaci\u00f3 es basa en dades i en segmentaci\u00f3: no es tracta de fer una p\u00f2lissa per a cada persona, sin\u00f3 <strong>d&#8217;ajustar cobertures <\/strong>perqu\u00e8 encaixin millor amb el risc real d\u2019un perfil o activitat.<\/p>\n\n<h3 class=\"wp-block-heading\"><strong>Gesti\u00f3 i postvenda<\/strong><\/h3>\n\n<p>A la pr\u00e0ctica, moltes millores <strong>d&#8217;insurtech<\/strong> es concentren aqu\u00ed: gesti\u00f3 documental, renovacions, canvis de capitals assegurat, certificats i seguiment de p\u00f2lisses <strong>sense haver de reiniciar la relaci\u00f3 cada vegada.<\/strong><\/p>\n\n<p>Ambler treballa amb un proc\u00e9s que reflecteix aquesta l\u00f2gica d&#8217;acompanyament: an\u00e0lisi de necessitats, assessorament, emissi\u00f3 de p\u00f2lissa i gesti\u00f3 posterior.<\/p>\n\n<h3 class=\"wp-block-heading\"><strong>Sinistres i assist\u00e8ncia<\/strong><\/h3>\n\n<p>La tecnologia tamb\u00e9 impacta en la <strong>tra\u00e7abilitat<\/strong>: saber qu\u00e8 falta, qu\u00e8 s\u2019ha enviat i quin pas toca. Tot i aix\u00ed, en riscos rellevants (i sobretot en empresa), el criteri professional continua sent decisiu per documentar b\u00e9, ordenar prioritats i defensar l&#8217;inter\u00e8s de l&#8217;assegurat. <\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Tecnologies que impulsen l&#8217;insurtech<\/strong><\/h2>\n\n<p>Dins del concepte <strong>insurtech<\/strong> hi ha tecnologies amb usos molt concrets.<\/p>\n\n<h3 class=\"wp-block-heading\"><strong>Anal\u00edtica avan\u00e7ada i intel\u00b7lig\u00e8ncia artificial<\/strong><\/h3>\n\n<p>S&#8217;utilitza per <strong>millorar<\/strong> models de risc, <strong>detectar<\/strong> patrons, <strong>donar suport <\/strong>a l&#8217;atenci\u00f3 i ordenar informaci\u00f3. A Espanya, el debat del sector sobre IA, anal\u00edtica i personalitzaci\u00f3 apareix com una l\u00ednia clara en informes de l&#8217;ecosistema. <\/p>\n\n<h3 class=\"wp-block-heading\"><strong>Automatitzaci\u00f3 de processos<\/strong><\/h3>\n\n<p><strong>Redueix<\/strong> tasques repetitives i temps de resposta: emissi\u00f3, documents, revisions i tasques administratives que consumeixen recursos.<\/p>\n\n<h3 class=\"wp-block-heading\"><strong>APIs i integraci\u00f3 amb tercers<\/strong><\/h3>\n\n<p>Les integracions permeten que l&#8217;asseguran\u00e7a <strong>acompanyi<\/strong> un servei digital (per exemple, en assegurances embebudes) o que una empresa <strong>connecti<\/strong> fluxos amb prove\u00efdors. <\/p>\n\n<h3 class=\"wp-block-heading\"><strong>Ciberseguretat i gesti\u00f3 del risc digital<\/strong><\/h3>\n\n<p>La digitalitzaci\u00f3 aporta efici\u00e8ncia, per\u00f2 tamb\u00e9 <strong>exposici\u00f3<\/strong>. Per aix\u00f2, les assegurances vinculades al risc cibern\u00e8tic guanyen rellev\u00e0ncia en el debat europeu i sectorial. <\/p>\n\n<h2 class=\"wp-block-heading\"><strong>El que una empresa hauria de mirar quan s&#8217;apropa a l&#8217;insurtech<\/strong><\/h2>\n\n<p>En una empresa, el repte \u00e9s <strong>alinear cobertures amb riscos reals <\/strong>i amb l&#8217;operativa: prove\u00efdors, contractes, responsabilitat davant de tercers, flotes, transport, continu\u00eftat i riscos digitals.<\/p>\n\n<h3 class=\"wp-block-heading\"><strong>Riscos t\u00edpics que estan canviant amb la digitalitzaci\u00f3<\/strong><\/h3>\n\n<ul class=\"wp-block-list\">\n<li>Exposici\u00f3 a incidents de seguretat de la informaci\u00f3.<br\/><\/li>\n\n\n\n<li>Depend\u00e8ncia tecnol\u00f2gica (interrupcions).<br\/><\/li>\n\n\n\n<li>Major pressi\u00f3 contractual (els clients exigeixen p\u00f2lisses i certificats).<br\/><\/li>\n\n\n\n<li>Riscos de responsabilitat (professional, directius, etc.).<br\/><\/li>\n<\/ul>\n\n<p>A <strong>Ambler<\/strong> oferim solucions habituals per a empreses com  <a href=\"https:\/\/ambler.es\/ca\/asseguranca-de-responsabilitat-civil\/\"><strong>responsabilitat civil<\/strong><\/a><strong>,  <\/strong><a href=\"https:\/\/ambler.es\/ca\/assegurances-empreses\/asseguranca-rc-professional\/\"><strong>RC professional<\/strong><\/a><strong>,  <\/strong><a href=\"https:\/\/ambler.es\/empresas\/seguro-de-do\/\"><strong>D&amp;O<\/strong><\/a><strong>,  <\/strong><a href=\"https:\/\/ambler.es\/ca\/assegurances-empreses\/asseguranca-de-danys-materials\/\"><strong>danys materials<\/strong><\/a><strong>,  <\/strong><a href=\"https:\/\/ambler.es\/ca\/assegurances-empreses\/asseguranca-de-transport\/\"><strong>transports<\/strong><\/a><strong>,  <\/strong><a href=\"https:\/\/ambler.es\/ca\/assegurances-empreses\/asseguranca-de-flota-de-vehicles\/\"><strong>flotes<\/strong><\/a><strong> i <\/strong><a href=\"https:\/\/ambler.es\/ca\/assegurances-empreses\/asseguranca-rc-medioambiental\/\"><strong>responsabilitat mediambiental<\/strong><\/a>, entre d\u2019altres, que formen part del mapa de riscos de moltes companyies.<\/p>\n\n<h2 class=\"wp-block-heading\"><strong>El que un particular nota de veritat quan l&#8217;insurtech funciona<\/strong><\/h2>\n\n<p>En el mercat particular, <strong>l&#8217;insurtech<\/strong> s&#8217;ha de traduir en aspectes tangibles: menys fricci\u00f3, claredat en les cobertures i bona gesti\u00f3 quan hi ha un problema.<\/p>\n\n<h3 class=\"wp-block-heading\"><strong>El que conv\u00e9 prioritzar com a client<\/strong><\/h3>\n\n<ul class=\"wp-block-list\">\n<li>Claredat de cobertura (qu\u00e8 hi entra, qu\u00e8 no).<br\/><\/li>\n\n\n\n<li>Velocitat en les gestions sense perdre l&#8217;acompanyament.<br\/><\/li>\n\n\n\n<li>Capacitat d&#8217;ajustar la p\u00f2lissa si canvia la teva situaci\u00f3.<br\/><\/li>\n\n\n\n<li>Suport en moments cr\u00edtics (sinistres, baixes, reclamacions).<br\/><\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\"><strong>El paper d&#8217;una corredoria en l&#8217;etapa insurtech<\/strong><\/h2>\n\n<p>Amb tanta digitalitzaci\u00f3, un dubte l\u00f2gic \u00e9s: <strong>qu\u00e8 aporta una corredoria si ja hi ha processos digitals?<\/strong><\/p>\n\n<p>Aporta criteri, comparaci\u00f3 real entre opcions i una defensa activa de l&#8217;inter\u00e8s del client. En el cas <strong>d&#8217;Ambler<\/strong>, <strong> <\/strong>el nostre enfocament se centra en <strong>l&#8217;assessorament independent<\/strong>: no treballem per a asseguradores, treballem per al client, buscant condicions adequades i acompanyant el proc\u00e9s.<\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Assegurances m\u00e9s \u00e0gils, decisions m\u00e9s ben acompanyades<\/strong><\/h2>\n\n<p>El sector <strong>insurtech<\/strong> est\u00e0 canviant la forma d&#8217;entendre l&#8217;asseguran\u00e7a tant a Espanya com a nivell mundial: processos m\u00e9s r\u00e0pids, productes m\u00e9s ben ajustats i una ind\u00fastria que evoluciona al ritme de la tecnologia i dels nous riscos. Per a empreses i particulars, la clau no \u00e9s seguir la tend\u00e8ncia, sin\u00f3 <strong>convertir aquesta modernitzaci\u00f3 en una protecci\u00f3 ben plantejada<\/strong>. Per revisar les teves cobertures actuals o definir un mapa de riscos per a la teva empresa (o la teva situaci\u00f3 personal), <strong><a href=\"https:\/\/ambler.es\/ca\/contacte-2\/\">contacta<\/a><\/strong> <strong> <\/strong>amb els nostres experts a <strong>Ambler<\/strong>. T&#8217;ajudarem a aprofitar els avantatges de la insurtech perqu\u00e8 la teva asseguran\u00e7a sigui m\u00e9s \u00e0gil, m\u00e9s efica\u00e7 i adaptada a les teves necessitats reals.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>En els \u00faltims anys, el sector assegurador ha viscut una transformaci\u00f3 silenciosa per\u00f2 profunda. Les companyies&#8230; <\/p>\n","protected":false},"author":3,"featured_media":6547,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[45],"tags":[],"class_list":["post-6548","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assegurances-ca"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Insurtech: qu\u00e8 \u00e9s, com funciona i qu\u00e8 canvia en assegurances - Ambler | Corredur\u00eda de Seguros<\/title>\n<meta name=\"description\" content=\"Qu\u00e8 \u00e9s insurtech i per qu\u00e8 importa? 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