[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"node-by-slug-\u002Fen\u002Finsights\u002Ffrom-coverage-to-prevention-the-next-frontier-in-insurance-en":3,"related-content-view-26837-en":471},["Reactive",4],{"entity":5,"errors":-1},{"__typename":6,"status":7,"metatag":8,"id":202,"path":203,"hideNavigation":204,"title":205,"translations":206,"sharedHeaderRefMedia":214,"sharedTeaserTitle":205,"sharedTeaserText":242,"sharedTeaserRefMedia":244,"sharedParagraphs":246,"sharedTaxrefIndustries":437,"sharedTaxrefExpertises":441,"sharedIntroText":448,"sharedCtaLink":204,"sharedDate":450,"sharedAuthor":452},"NodeInsight",true,[9,14,18,21,25,30,34,38,42,46,50,54,58,62,66,69,73,76,79,81,84,87,91,95,99,103,107,111,115,119,123,127,131,135,139,142,145,148,151,154,157,160,163,166,170,174,177,181,185,189,193,196,200],{"tag":10,"attributes":11},"meta",{"name":12,"content":13},"title","From coverage to prevention: the next frontier in 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Zühlke",{"tag":10,"attributes":67},{"property":68,"content":17},"og:description",{"tag":10,"attributes":70},{"property":71,"content":72},"og:image","https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fstyles\u002Fmax_1300x1300\u002Fpublic\u002Fimages\u002Ffinal_from_coverage_to_prevention_the_next_frontier_in%20insurance.jpg?itok=De0mT3zS",{"tag":10,"attributes":74},{"property":71,"content":75},"https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fimages\u002Fzuhlke_innovation_social.jpg",{"tag":10,"attributes":77},{"property":78,"content":72},"og:image:url",{"tag":10,"attributes":80},{"property":78,"content":75},{"tag":10,"attributes":82},{"property":83,"content":72},"og:image:secure_url",{"tag":10,"attributes":85},{"property":83,"content":86},"https:\u002F\u002Fwww.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fimages\u002Fzuhlke_innovation_social.jpg",{"tag":10,"attributes":88},{"property":89,"content":90},"og:updated_time","2025-12-05",{"tag":10,"attributes":92},{"property":93,"content":94},"og:image:alt","image",{"tag":10,"attributes":96},{"property":97,"content":98},"place:location:latitude","46.947944",{"tag":10,"attributes":100},{"property":101,"content":102},"place:location:longitude","7.438014",{"tag":10,"attributes":104},{"property":105,"content":106},"og:street_address","80 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coverage to prevention: the next frontier in insurance ",[207,210],{"path":203,"langcode":208},{"id":209},"en",{"path":211,"langcode":212},"\u002Fde\u002Finsights\u002Fpraevention-statt-regulierung-die-zukunft-der-versicherungsbranche",{"id":213},"de",{"id":215,"sharedMediaLegend":204,"mediaImage":216,"name":241},"172618",{"url":217,"width":218,"height":219,"alt":220,"title":204,"size":221,"mime":222,"variations":204,"headerMinimalVariations":223},"https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fimages\u002Ffinal_from_coverage_to_prevention_the_next_frontier_in%20insurance.jpg",1920,1080,"city landscape layered with computer networking concepts",480959,"image\u002Fjpeg",[224,229,230,235,240],{"name":225,"url":226,"width":227,"height":228},"FOCAL_POINT32_SMALL","https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fstyles\u002Ffocal_point_3_2_small\u002Fpublic\u002Fimages\u002Ffinal_from_coverage_to_prevention_the_next_frontier_in%20insurance.jpg.webp?itok=zN7LWGFW",800,533,{"name":225,"url":226,"width":227,"height":228},{"name":231,"url":232,"width":233,"height":234},"FOCAL_POINT169_MEDIUM","https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fstyles\u002Ffocal_point_16_9_medium\u002Fpublic\u002Fimages\u002Ffinal_from_coverage_to_prevention_the_next_frontier_in%20insurance.jpg.webp?itok=BxzybO5f",1200,675,{"name":236,"url":237,"width":238,"height":239},"FOCAL_POINT169_LARGE","https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fstyles\u002Ffocal_point_16_9_large\u002Fpublic\u002Fimages\u002Ffinal_from_coverage_to_prevention_the_next_frontier_in%20insurance.jpg.webp?itok=llhJ4mRc",1600,900,{"name":236,"url":237,"width":238,"height":239},"final_from_coverage_to_prevention_the_next_frontier_in insurance.jpg",{"processed":243},"\u003Cp>\u003Cspan lang=\"EN-GB\">Discover how insurers are shifting from paying claims to preventing them using data, ecosystems, and proactive protection to create sustainable resilience.\u003C\u002Fspan>\u003Cspan> \u003C\u002Fspan>\u003C\u002Fp>",{"id":215,"sharedMediaLegend":204,"mediaImage":245,"name":241},{"url":217,"width":218,"height":219,"alt":220,"title":204,"size":221,"mime":222,"variations":204},[247,253,258,264,271,275,306,311,315,320,349,354,391,395,400,409],{"__typename":248,"id":249,"ctaLink":204,"pgSharedText":250,"pgSharedTitle":204,"pgSharedCtaLink":204},"ParagraphPgText","33530",{"value":251,"processed":251,"format":252},"\u003Cp>\u003Cspan lang=\"EN-GB\">Premiums keep rising. The protection gap is widening. Natural disasters are hitting record highs. Chronic diseases are pushing health systems to the limit. Customers feel the squeeze. Policymakers question affordability. Regulators increase pressure on long-term sustainability. Investors wonder how a model that profits when things go wrong can remain viable. \u003C\u002Fspan>\u003Cspan> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan lang=\"EN-GB\">\u003Cstrong>It’s time for a new equation, one in which insurers don’t just pay for losses but play an active role in preventing them.\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan>\u003Cstrong> \u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>","full_html",{"__typename":248,"id":254,"ctaLink":204,"pgSharedText":255,"pgSharedTitle":257,"pgSharedCtaLink":204},"33531",{"value":256,"processed":256,"format":252},"\u003Cp>\u003Cspan lang=\"EN-GB\">The economics of insurance are shifting as claims grow faster than premiums and underlying risks become less predictable. In every major line of business, a similar trend is evident: prevention reduces volatility, lowers loss costs, and enhances long-term value creation.\u003C\u002Fspan>\u003Cspan> \u003C\u002Fspan>\u003C\u002Fp>\u003Cul>\u003Cli>\u003Cspan lang=\"EN-GB\">\u003Cstrong>Property and Casualty Insurance: \u003C\u002Fstrong>Insured losses have exceeded $100 billion annually since 2020. Prevention measures such as early-warning systems, resilient construction and improved community preparedness can reduce the frequency and severity of losses by up to 40%.\u003C\u002Fspan>\u003Cspan> \u003C\u002Fspan>\u003C\u002Fli>\u003Cli>\u003Cspan lang=\"EN-GB\">\u003Cstrong>Health Insurance: \u003C\u002Fstrong>Around 70% of healthcare spending comes from largely preventable chronic diseases. Digital prevention programmes, targeted behavioural nudges, and early screening can save billions while improving quality of life.\u003C\u002Fspan>\u003Cspan> \u003C\u002Fspan>\u003C\u002Fli>\u003Cli>\u003Cspan lang=\"EN-GB\">\u003Cstrong>Cyber Insurance:\u003C\u002Fstrong> Continuous monitoring identifies vulnerabilities and stops incidents before they occur. This approach is consistently more effective than raising policy limits or tightening exclusions.\u003C\u002Fspan>\u003Cspan> \u003C\u002Fspan>\u003C\u002Fli>\u003C\u002Ful>\u003Cp>\u003Cspan lang=\"EN-GB\">Taken together, these shifts show that prevention aligns societal value with business value. It lowers losses, strengthens customer retention, and builds long-term trust. The next competitive advantage in insurance will not come from pricing risk more precisely but from reducing it collaboratively.\u003C\u002Fspan>\u003Cspan> \u003C\u002Fspan>\u003C\u002Fp>","Why prevention is the new growth engine ",{"__typename":248,"id":259,"ctaLink":204,"pgSharedText":260,"pgSharedTitle":263,"pgSharedCtaLink":204},"33532",{"value":261,"processed":262,"format":252},"\u003Cp>\u003Cspan lang=\"EN-GB\">Becoming preventive requires a profound shift in mindset,\u003C\u002Fspan>\u003Ca href=\"\u002Fnode\u002F26786\" data-entity-type=\"node\" data-entity-uuid=\"c71d0727-70a2-48ce-bb8b-bc5ca69ea56f\" data-entity-substitution=\"canonical\">\u003Cspan lang=\"EN-GB\"> moving the insurer from reacting and paying for losses to actively managing future risk\u003C\u002Fspan>\u003C\u002Fa>\u003Cspan lang=\"EN-GB\">. This shift must be supported by an operating model that moves beyond efficient claims handling to \u003C\u002Fspan>\u003Ca href=\"\u002Fnode\u002F6659\" data-entity-type=\"node\" data-entity-uuid=\"f0d07c62-5f7c-4ab1-a9f2-5c013ec0937c\" data-entity-substitution=\"canonical\">\u003Cspan lang=\"EN-GB\">orchestrating value networks\u003C\u002Fspan>\u003C\u002Fa>\u003Cspan lang=\"EN-GB\"> that anticipate, mitigate, and co-manage threats.\u003C\u002Fspan>\u003Cspan> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan lang=\"EN-GB\">The transformation from reaction to prevention unfolds through five stages of maturity. Each\u003C\u002Fspan>\u003Cspan> stage of the \u003Cstrong>Prevention Maturity Model \u003C\u002Fstrong>strengthens data\u003C\u002Fspan>\u003Cspan lang=\"EN-GB\"> capability, broadens the organisation’s role, reshapes the business model, enhances product design, deepens collaboration across ecosystems, and increases the insurer’s wider societal impact.\u003C\u002Fspan>\u003Cspan> \u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan lang=\"EN-GB\">Becoming preventive requires a profound shift in mindset,\u003C\u002Fspan>\u003Ca href=\"\u002Fen\u002Finsights\u002Fexecutive-agenda-four-strategic-shifts-redefining-insurance\" data-entity-type=\"node\" data-entity-uuid=\"c71d0727-70a2-48ce-bb8b-bc5ca69ea56f\" data-entity-substitution=\"canonical\" title=\"Executive agenda: four strategic shifts redefining Insurance \">\u003Cspan lang=\"EN-GB\"> moving the insurer from reacting and paying for losses to actively managing future risk\u003C\u002Fspan>\u003C\u002Fa>\u003Cspan lang=\"EN-GB\">. This shift must be supported by an operating model that moves beyond efficient claims handling to \u003C\u002Fspan>\u003Ca href=\"\u002Fen\u002Fexpertise\u002Fdigital-strategy-consulting\" data-entity-type=\"node\" data-entity-uuid=\"f0d07c62-5f7c-4ab1-a9f2-5c013ec0937c\" data-entity-substitution=\"canonical\" title=\"EXPERTISE: Digital strategy (EN)\">\u003Cspan lang=\"EN-GB\">orchestrating value networks\u003C\u002Fspan>\u003C\u002Fa>\u003Cspan lang=\"EN-GB\"> that anticipate, mitigate, and co-manage threats.\u003C\u002Fspan>\u003Cspan> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan lang=\"EN-GB\">The transformation from reaction to prevention unfolds through five stages of maturity. Each\u003C\u002Fspan>\u003Cspan> stage of the \u003Cstrong>Prevention Maturity Model \u003C\u002Fstrong>strengthens data\u003C\u002Fspan>\u003Cspan lang=\"EN-GB\"> capability, broadens the organisation’s role, reshapes the business model, enhances product design, deepens collaboration across ecosystems, and increases the insurer’s wider societal impact.\u003C\u002Fspan>\u003Cspan> \u003C\u002Fspan>\u003C\u002Fp>","The path to prevention ",{"__typename":265,"id":266,"pgEmbededCode":267,"fullWidth":7,"edgeToEdge":270},"ParagraphPgCustomCode","33533",{"value":268,"processed":268,"format":269},"\u003Cdiv style=\"width: 100%;\">\u003Cdiv style=\"position: relative; padding-bottom: 56.25%; padding-top: 0; height: 0;\">\u003Ciframe title=\"Prevention Maturity Model\" frameborder=\"0\" width=\"1200\" height=\"675\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%;\" src=\"https:\u002F\u002Fview.genially.com\u002F69257b01c0a95de16b249d39\" type=\"text\u002Fhtml\" allowscriptaccess=\"always\" allowfullscreen=\"true\" scrolling=\"yes\" allownetworking=\"all\">\u003C\u002Fiframe> \u003C\u002Fdiv> \u003C\u002Fdiv>","custom_code",false,{"__typename":248,"id":272,"ctaLink":204,"pgSharedText":273,"pgSharedTitle":204,"pgSharedCtaLink":204},"33534",{"value":274,"processed":274,"format":252},"\u003Cp>\u003Cspan lang=\"EN-GB\">This evolution also reflects a shift in mindset from seeing prevention as individual behaviour change to understanding it as a system with collective impact. In a mature prevention stage insurers do not act as watchdogs over policyholders. Instead, they co-create ecosystems that create balance, predictability, and resilience that extend beyond single customers to communities and economies.\u003C\u002Fspan>\u003Cspan> \u003C\u002Fspan>\u003C\u002Fp>",{"__typename":276,"id":277,"eyebrow":204,"pgQuoteRefQuote":278,"hideImage":270,"hideFunctionAndCompany":270,"bigQuote":270},"ParagraphPgQuote","33535",[279],{"status":7,"id":280,"promote":270,"quotePersonDesc":281,"quotePersonName":282,"quoteText":283,"profileImage":284,"title":305},"26836","Zühlke Insurance Research Partner and Head of Further Education for Insurance Management at Zurich University of Applied Sciences","Lukas Stricker","Prevention may be the most relevant contribution of insurers to a more sustainable and resilient world.",{"id":285,"sharedMediaLegend":204,"mediaImage":286,"name":304},"172615",{"url":287,"width":288,"height":288,"alt":289,"title":204,"size":290,"mime":222,"variations":204,"quoteVariations":291},"https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fimages\u002FLukas%20Stricker.jpeg",500,"Lukas Stricker profile picture",64938,[292,296,299,302,303],{"name":293,"url":294,"width":295,"height":295},"FOCAL_POINT11_EXTRA_SMALL","https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fstyles\u002Ffocal_point_1_1_extra_small\u002Fpublic\u002Fimages\u002FLukas%20Stricker.jpeg.webp?itok=IzSAPBxR",400,{"name":297,"url":298,"width":288,"height":288},"FOCAL_POINT11_SMALL","https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fstyles\u002Ffocal_point_1_1_small\u002Fpublic\u002Fimages\u002FLukas%20Stricker.jpeg.webp?itok=fWWTu9Gf",{"name":300,"url":301,"width":288,"height":288},"FOCAL_POINT11_MEDIUM","https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fstyles\u002Ffocal_point_1_1_medium\u002Fpublic\u002Fimages\u002FLukas%20Stricker.jpeg.webp?itok=67vRLeWu",{"name":300,"url":301,"width":288,"height":288},{"name":300,"url":301,"width":288,"height":288},"Lukas Stricker.jpeg","Lukas Stricker - From coverage to prevention: the next frontier in insurance ",{"__typename":248,"id":307,"ctaLink":204,"pgSharedText":308,"pgSharedTitle":310,"pgSharedCtaLink":204},"33536",{"value":309,"processed":309,"format":252},"\u003Cp>\u003Cspan lang=\"EN-GB\">True prevention is not a product or a campaign — it is a continuously learning, closed-loop system that connects the following core pillars:\u003C\u002Fspan>\u003Cspan> \u003C\u002Fspan>\u003C\u002Fp>","Prevention as a system ",{"__typename":265,"id":312,"pgEmbededCode":313,"fullWidth":7,"edgeToEdge":270},"33537",{"value":314,"processed":314,"format":269},"\u003Cdiv style=\"width: 100%;\">\u003Cdiv style=\"position: relative; padding-bottom: 56.25%; padding-top: 0; height: 0;\">\u003Ciframe title=\"Prevention as a system Model\" frameborder=\"0\" width=\"1200\" height=\"675\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%;\" src=\"https:\u002F\u002Fview.genially.com\u002F69258271a603a674270d0e02\" type=\"text\u002Fhtml\" allowscriptaccess=\"always\" allowfullscreen=\"true\" scrolling=\"yes\" allownetworking=\"all\">\u003C\u002Fiframe> \u003C\u002Fdiv> \u003C\u002Fdiv>",{"__typename":248,"id":316,"ctaLink":204,"pgSharedText":317,"pgSharedTitle":204,"pgSharedCtaLink":204},"33538",{"value":318,"processed":319,"format":252},"\u003Cp>\u003Cspan lang=\"EN-GB\">Together, these five pillars shift the insurer’s role from payer of losses to partner in protection. They establish a continuous engagement model in which every avoided or mitigated claim becomes a shared success, and every non-event carries value for both insurer and insured.\u003C\u002Fspan>\u003Cspan> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan lang=\"EN-GB\">As this loop operates over time, it becomes a \u003C\u002Fspan>\u003Ca href=\"\u002Fnode\u002F6647\" data-entity-type=\"node\" data-entity-uuid=\"685fea0a-4ce0-4b5d-ba0f-6fb137f51971\" data-entity-substitution=\"canonical\">\u003Cspan lang=\"EN-GB\">systemic and data-driven process\u003C\u002Fspan>\u003C\u002Fa>\u003Cspan lang=\"EN-GB\"> that learns and adapts across physical, digital, and human environments, delivering more resilient and predictable outcomes.\u003C\u002Fspan>\u003Cspan> \u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan lang=\"EN-GB\">Together, these five pillars shift the insurer’s role from payer of losses to partner in protection. They establish a continuous engagement model in which every avoided or mitigated claim becomes a shared success, and every non-event carries value for both insurer and insured.\u003C\u002Fspan>\u003Cspan> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan lang=\"EN-GB\">As this loop operates over time, it becomes a \u003C\u002Fspan>\u003Ca href=\"\u002Fen\u002Fexpertise\u002Fdata-solutions\" data-entity-type=\"node\" data-entity-uuid=\"685fea0a-4ce0-4b5d-ba0f-6fb137f51971\" data-entity-substitution=\"canonical\" title=\"EXPERTISE: Data solutions (EN)\">\u003Cspan lang=\"EN-GB\">systemic and data-driven process\u003C\u002Fspan>\u003C\u002Fa>\u003Cspan lang=\"EN-GB\"> that learns and adapts across physical, digital, and human environments, delivering more resilient and predictable outcomes.\u003C\u002Fspan>\u003Cspan> \u003C\u002Fspan>\u003C\u002Fp>",{"__typename":321,"id":322,"title":323,"lead":324,"tabs":325},"ParagraphTab","33545","Prevention in action: sector examples ","Prevention manifests differently across insurance lines. The following examples show how it is already shaping health, property and casualty, and cyber risk. ",[326,333,341],{"infoText":327,"pgSharedParagraphs":328},"Health insurance ",[329],{"id":330,"ctaLink":204,"pgSharedText":331,"pgSharedTitle":327,"pgSharedCtaLink":204},"33539",{"value":332,"processed":332,"format":252},"\u003Cp>\u003Cspan lang=\"EN-GB\">Insurers are evolving from payers to health partners. By combining data from medical records, wearables, and lifestyle platforms, they can detect early warning signs, support achievable behaviour changes, and guide faster access to treatment.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan lang=\"EN-GB\">Even when diseases cannot be fully prevented, such as cancer or autoimmune conditions, early detection and treatment personalisation reduce severity, cost and overall impact on quality of life.\u003C\u002Fspan>\u003Cspan> \u003C\u002Fspan>\u003C\u002Fp>",{"infoText":334,"pgSharedParagraphs":335},"Property and casualty insurance ",[336],{"id":337,"ctaLink":204,"pgSharedText":338,"pgSharedTitle":334,"pgSharedCtaLink":204},"33541",{"value":339,"processed":340,"format":252},"\u003Cp>\u003Cspan lang=\"EN-GB\">Smart sensors can detect water leaks before the mould develops or overheating before a fire breaks out. Advanced \u003C\u002Fspan>\u003Ca href=\"\u002Fnode\u002F26486\" data-entity-type=\"node\" data-entity-uuid=\"915b40f2-5188-4476-b86c-7e831565887f\" data-entity-substitution=\"canonical\">\u003Cspan lang=\"EN-GB\">AI models can predict equipment failure or storm damage\u003C\u002Fspan>\u003C\u002Fa>\u003Cspan lang=\"EN-GB\"> and trigger early intervention. \u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan lang=\"EN-GB\">When events are unavoidable, such as earthquakes or major storms, rapid response networks minimise severity and downtime. This results in fewer claims, faster recovery, and stronger community resilience.\u003C\u002Fspan>\u003Cspan> \u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan lang=\"EN-GB\">Smart sensors can detect water leaks before the mould develops or overheating before a fire breaks out. Advanced \u003C\u002Fspan>\u003Ca href=\"\u002Fen\u002Fexpertise\u002Fai-implementation\" data-entity-type=\"node\" data-entity-uuid=\"915b40f2-5188-4476-b86c-7e831565887f\" data-entity-substitution=\"canonical\" title=\"EXPERTISE: AI implementation (EN)\">\u003Cspan lang=\"EN-GB\">AI models can predict equipment failure or storm damage\u003C\u002Fspan>\u003C\u002Fa>\u003Cspan lang=\"EN-GB\"> and trigger early intervention. \u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan lang=\"EN-GB\">When events are unavoidable, such as earthquakes or major storms, rapid response networks minimise severity and downtime. This results in fewer claims, faster recovery, and stronger community resilience.\u003C\u002Fspan>\u003Cspan> \u003C\u002Fspan>\u003C\u002Fp>",{"infoText":342,"pgSharedParagraphs":343},"Cyber insurance",[344],{"id":345,"ctaLink":204,"pgSharedText":346,"pgSharedTitle":348,"pgSharedCtaLink":204},"33543",{"value":347,"processed":347,"format":252},"\u003Cp>\u003Cspan lang=\"EN-GB\">Static questionnaires are being replaced by continuous scanning and dynamic pricing. Real-time threat monitoring identifies vulnerabilities and recommends fixes before an attack occurs. \u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan lang=\"EN-GB\">Even when breaches happen, AI-driven triage and recovery services contain losses and restore operations faster, turning crisis response into a structured, manageable process.\u003C\u002Fspan>\u003Cspan> \u003C\u002Fspan>\u003C\u002Fp>","Cyber insurance ",{"__typename":248,"id":350,"ctaLink":204,"pgSharedText":351,"pgSharedTitle":353,"pgSharedCtaLink":204},"33546",{"value":352,"processed":352,"format":252},"\u003Cp>\u003Cspan lang=\"EN-GB\">Prevention relies on a network of interconnected partners, with insurers, technology innovators, regulators, and customers, each playing a distinct and complementary role. Its full value is realised only when these actors are coordinated and guided by a coherent ecosystem approach that enables preventive models to scale, endure and deliver meaningful impact.\u003C\u002Fspan>\u003Cspan> \u003C\u002Fspan>\u003C\u002Fp>","The prevention ecosystem ",{"__typename":355,"id":356,"columns":357,"listItems":358,"text":204,"title":204,"variant":390},"ParagraphPgContentList","33557","2col",[359,369,376,383],{"id":360,"icon":361,"link":204,"logo":204,"media":204,"text":365,"title":368},"33553",{"id":362,"file":363},"170294",{"url":364},"https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002F2024-07\u002Fdouble-arrow-right-icon.svg",{"value":366,"processed":366,"format":367},"\u003Cp>Insurers orchestrate incentives and design policies that reward resilience. This includes supporting the use of technologies such as leak sensors or fire-resistant materials, which enable early detection and sustained well-being. \u003C\u002Fp>","content_list","Insurers ",{"id":370,"icon":371,"link":204,"logo":204,"media":204,"text":373,"title":375},"33554",{"id":362,"file":372},{"url":364},{"value":374,"processed":374,"format":367},"\u003Cp>Technology partners provide the data and intelligence that power prevention. They connect IoT sensors, wearables, telemedicine services, and AI-driven diagnostics into a single, continuous feedback loop.  \u003C\u002Fp>","Technology partners ",{"id":377,"icon":378,"link":204,"logo":204,"media":204,"text":380,"title":382},"33555",{"id":362,"file":379},{"url":364},{"value":381,"processed":381,"format":367},"\u003Cp>Public institutions share local risk data, set and enforce building standards, and coordinate emergency responses. Their involvement ensures that prevention efforts are credible and widely accessible. \u003C\u002Fp>","Public institutions",{"id":384,"icon":385,"link":204,"logo":204,"media":204,"text":387,"title":389},"33556",{"id":362,"file":386},{"url":364},{"value":388,"processed":388,"format":367},"\u003Cp>Customers play an active role through verified preventive behaviour, turning safe practices into tangible savings. \u003C\u002Fp>","Customers","icon",{"__typename":248,"id":392,"ctaLink":204,"pgSharedText":393,"pgSharedTitle":204,"pgSharedCtaLink":204},"33548",{"value":394,"processed":394,"format":252},"\u003Cp>\u003Cspan lang=\"EN-GB\">Zühlke plays a pivotal role here, not only by integrating the technology behind these solutions but also by orchestrating the wider ecosystems. We connect insurers, startups, and healthtech innovators to make prevention models viable within complex legacy infrastructures. As always, the devil lies in the details, and this work depends on building solutions that perform under real-world conditions.\u003C\u002Fspan>\u003Cspan> \u003C\u002Fspan>\u003C\u002Fp>",{"__typename":248,"id":396,"ctaLink":204,"pgSharedText":397,"pgSharedTitle":399,"pgSharedCtaLink":204},"33549",{"value":398,"processed":398,"format":252},"\u003Cp>\u003Cspan lang=\"EN-GB\">Insurers should start with small, data-backed pilots that allow them to test, measure, and refine early concepts while simultaneously building cross-sector partnerships. It is through these early, collaborative experiments that prevention can eventually operate at scale.\u003C\u002Fspan>\u003Cspan> \u003C\u002Fspan>\u003C\u002Fp>\u003Col>\u003Cli>\u003Cspan lang=\"EN-GB\">\u003Cstrong>Select high-impact use cases\u003C\u002Fstrong> from areas with measurable prevention and mitigation outcomes, such as water leakage, diabetes management, or ransomware containment.\u003C\u002Fspan>\u003Cspan> \u003C\u002Fspan>\u003C\u002Fli>\u003Cli>\u003Cspan lang=\"EN-GB\">\u003Cstrong>Build a prevention platform\u003C\u002Fstrong> that connects IoT, analytics, and service partners, creating the foundation for continuous detection and early intervention.\u003C\u002Fspan>\u003Cspan> \u003C\u002Fspan>\u003C\u002Fli>\u003Cli>\u003Cspan lang=\"EN-GB\">\u003Cstrong>Pilot impact-based underwriting \u003C\u002Fstrong>by linking\u003Cstrong> \u003C\u002Fstrong>verified prevention behaviour to premiums or coverage, creating incentives that reinforce risk reduction.\u003C\u002Fspan>\u003Cspan> \u003C\u002Fspan>\u003C\u002Fli>\u003Cli>\u003Cspan lang=\"EN-GB\">\u003Cstrong>Embed compliance and ethical AI\u003C\u002Fstrong> to ensure that regulatory requirements, data governance and ethical AI principles are integrated from the start. \u003C\u002Fspan>\u003Cspan> \u003C\u002Fspan>\u003C\u002Fli>\u003Cli>\u003Cspan lang=\"EN-GB\">\u003Cstrong>Publish a prevention scorecard\u003C\u002Fstrong> which demonstrates progress by reporting avoided losses, improved recoveries, and customer value.\u003C\u002Fspan>\u003Cspan> \u003C\u002Fspan>\u003C\u002Fli>\u003C\u002Fol>","A 24-month roadmap ",{"__typename":248,"id":401,"ctaLink":402,"pgSharedText":405,"pgSharedTitle":407,"pgSharedCtaLink":408},"33550",{"title":403,"url":404,"internal":7},"Get in touch to discuss your prevention journey   ","\u002Fen\u002Fcontact",{"value":406,"processed":406,"format":252},"\u003Cp>\u003Cspan lang=\"EN-GB\">The world’s risk landscape is changing faster than ever. If insurers continue to operate reactively, the protection gap will continue to widen. If on the other hand, they shift towards prevention and mitigation, then they can redefine both their purpose and societal value.\u003C\u002Fspan>\u003Cspan> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan lang=\"EN-GB\">The future insurer will not simply write policies. It will design systems that keep people healthy, homes safe, and businesses resilient. It will partner across ecosystems, bringing together technology, institutions, and individuals to turn foresight into practical action and crisis into control.\u003C\u002Fspan>\u003Cspan> \u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan lang=\"EN-GB\">Because, ultimately, real progress in insurance lies not in the claims handled, but in the ones prevented or softened.\u003C\u002Fspan>\u003Cspan> \u003C\u002Fspan>\u003C\u002Fp>","Insurance as a force for resilience ",{"title":403,"url":404,"internal":7},{"__typename":410,"id":411,"primaryImage":412,"pgCtaLink":431,"text":434,"title":435,"eyebrow":436},"ParagraphPgContentHero","33595",{"id":413,"sharedMediaLegend":204,"mediaImage":414,"name":430},"172498",{"url":415,"width":416,"height":417,"alt":418,"title":204,"size":419,"mime":222,"variations":204,"heroVariations":420},"https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fimages\u002Fimage%20%281%29.jpg",4147,2764,"people walking",9280552,[421,424,425,427,429],{"name":422,"url":423,"width":227,"height":295},"FOCAL_POINT21_SMALL","https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fstyles\u002Ffocal_point_2_1_small\u002Fpublic\u002Fimages\u002Fimage%20%281%29.jpg.webp?itok=PsUaNig9",{"name":422,"url":423,"width":227,"height":295},{"name":297,"url":426,"width":227,"height":227},"https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fstyles\u002Ffocal_point_1_1_small\u002Fpublic\u002Fimages\u002Fimage%20%281%29.jpg.webp?itok=Dm9dDPEh",{"name":300,"url":428,"width":233,"height":233},"https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fstyles\u002Ffocal_point_1_1_medium\u002Fpublic\u002Fimages\u002Fimage%20%281%29.jpg.webp?itok=aHF3q0DX",{"name":300,"url":428,"width":233,"height":233},"image (1).jpg",{"title":432,"url":433,"internal":7},"learn more","\u002Fen\u002Finsights\u002Fexecutive-agenda-four-strategic-shifts-redefining-insurance","Discover how insurers can turn disruption into opportunity by embracing four strategic shifts shaping the future of the industry — and how putting resilience at the heart of business models, technology, and mindsets can build a stronger, future-ready insurance sector.","Executive agenda: four strategic shifts redefining Insurance","Insight",[438],{"id":439,"name":440},"11","Insurance",[442,445],{"id":443,"name":444},"19","Digital strategy",{"id":446,"name":447},"887","Business transformation",{"processed":449},"\u003Cp>Every year, insurers pay hundreds of billions in claims for accidents, illnesses, floods, and fires. That’s what the industry was built to do: react, compensate, move on. But that model is breaking.\u003C\u002Fp>\n",{"timestamp":451},1764849600,[453],{"status":7,"contactName":454,"contactProfession":455,"contactLinkedinUrl":204,"sharedEmail":204,"sharedRefMedia":456},"Christian Moser","Former Chief of Digital Experience & Partner",{"id":457,"sharedMediaLegend":204,"mediaImage":458,"name":470},"167215",{"url":459,"width":460,"height":227,"alt":461,"title":204,"size":462,"mime":222,"variations":204,"authorVariations":463},"https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fimages\u002Fchristian_moser_dec2023.jpg",600,"\"\"",237583,[464,466,467,468,469],{"name":297,"url":465,"width":460,"height":460},"https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fstyles\u002Ffocal_point_1_1_small\u002Fpublic\u002Fimages\u002Fchristian_moser_dec2023.jpg.webp?itok=-1BIghAr",{"name":297,"url":465,"width":460,"height":460},{"name":297,"url":465,"width":460,"height":460},{"name":297,"url":465,"width":460,"height":460},{"name":297,"url":465,"width":460,"height":460},"christian_moser_dec2023.jpg",[472,505,534,560],{"id":473,"path":474,"sharedTeaserTitle":475,"sharedTeaserRefMedia":476,"sharedTaxrefIndustries":492,"sharedTaxrefExpertises":496},"26433","\u002Fen\u002Finsights\u002Fthe-complexity-trap-in-cybersecurity","The complexity trap in cybersecurity",{"id":477,"sharedMediaLegend":204,"mediaImage":478,"name":491},"171548",{"url":479,"width":218,"height":480,"alt":461,"title":204,"size":481,"mime":222,"variations":204,"relatedContentVariations":482},"https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fimages\u002FHeader.Minimal-blog-the-complexity-trap.jpg",1617,237856,[483,485,486,489,490],{"name":225,"url":484,"width":227,"height":228},"https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fstyles\u002Ffocal_point_3_2_small\u002Fpublic\u002Fimages\u002FHeader.Minimal-blog-the-complexity-trap.jpg.webp?itok=OIUxJ2fx",{"name":225,"url":484,"width":227,"height":228},{"name":487,"url":488,"width":233,"height":227},"FOCAL_POINT32_MEDIUM","https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fstyles\u002Ffocal_point_3_2_medium\u002Fpublic\u002Fimages\u002FHeader.Minimal-blog-the-complexity-trap.jpg.webp?itok=J6TY2-To",{"name":487,"url":488,"width":233,"height":227},{"name":487,"url":488,"width":233,"height":227},"Header.Minimal-blog-the-complexity-trap.jpg",[493],{"id":494,"name":495},"855","All industries",[497,500,501,502],{"id":498,"name":499},"125","Cybersecurity",{"id":443,"name":444},{"id":446,"name":447},{"id":503,"name":504},"886","Tech innovation",{"id":506,"path":507,"sharedTeaserTitle":508,"sharedTeaserRefMedia":509,"sharedTaxrefIndustries":524,"sharedTaxrefExpertises":528},"26446","\u002Fen\u002Finsights\u002Fhow-will-the-industrial-sector-respond-to-new-us-tariffs","How will the industrial sector respond to new US tariffs?",{"id":510,"sharedMediaLegend":204,"mediaImage":511,"name":523},"171622",{"url":512,"width":218,"height":513,"alt":461,"title":204,"size":514,"mime":222,"variations":204,"relatedContentVariations":515},"https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fimages\u002FMature%20businessman%20using%20laptop%20in%20a%20factory.jpg",1283,194078,[516,518,519,521,522],{"name":225,"url":517,"width":227,"height":228},"https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fstyles\u002Ffocal_point_3_2_small\u002Fpublic\u002Fimages\u002FMature%20businessman%20using%20laptop%20in%20a%20factory.jpg.webp?itok=bO-2WRsp",{"name":225,"url":517,"width":227,"height":228},{"name":487,"url":520,"width":233,"height":227},"https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fstyles\u002Ffocal_point_3_2_medium\u002Fpublic\u002Fimages\u002FMature%20businessman%20using%20laptop%20in%20a%20factory.jpg.webp?itok=s1qhMA2X",{"name":487,"url":520,"width":233,"height":227},{"name":487,"url":520,"width":233,"height":227},"Mature businessman using laptop in a factory.jpg",[525],{"id":526,"name":527},"10","Industrial sector",[529,530,531],{"id":443,"name":444},{"id":446,"name":447},{"id":532,"name":533},"892","Ecosystems",{"id":535,"path":536,"sharedTeaserTitle":537,"sharedTeaserRefMedia":538,"sharedTaxrefIndustries":556,"sharedTaxrefExpertises":558},"425","\u002Fen\u002Finsights\u002Fwhat-insurers-must-tackle-in-the-next-five-years-to-stay-ahead","What insurers must tackle in the next 5 years to stay ahead",{"id":539,"sharedMediaLegend":204,"mediaImage":540,"name":555},"287",{"url":541,"width":542,"height":543,"alt":544,"title":204,"size":545,"mime":222,"variations":204,"relatedContentVariations":546},"https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fimages\u002Ffuture_of_insurance.jpg",693,520,"Digital services in the future",231888,[547,550,551,553,554],{"name":225,"url":548,"width":542,"height":549},"https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fstyles\u002Ffocal_point_3_2_small\u002Fpublic\u002Fimages\u002Ffuture_of_insurance.jpg.webp?itok=ZiO-xkXK",462,{"name":225,"url":548,"width":542,"height":549},{"name":487,"url":552,"width":542,"height":549},"https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fstyles\u002Ffocal_point_3_2_medium\u002Fpublic\u002Fimages\u002Ffuture_of_insurance.jpg.webp?itok=Eqxz-RMa",{"name":487,"url":552,"width":542,"height":549},{"name":487,"url":552,"width":542,"height":549},"future_of_insurance.jpg",[557],{"id":439,"name":440},[559],{"id":443,"name":444},{"id":561,"path":562,"sharedTeaserTitle":563,"sharedTeaserRefMedia":564,"sharedTaxrefIndustries":581,"sharedTaxrefExpertises":583},"7284","\u002Fen\u002Finsights\u002Fcircular-economy-for-securing-resources-and-supply-chains","What the circular economy means for supply chain innovation",{"id":565,"sharedMediaLegend":204,"mediaImage":566,"name":580},"6004",{"url":567,"width":288,"height":568,"alt":569,"title":204,"size":570,"mime":222,"variations":204,"relatedContentVariations":571},"https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fimages\u002Fblog_sustainability_cities.jpg",375,"sustainability globus",83644,[572,575,576,578,579],{"name":225,"url":573,"width":288,"height":574},"https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fstyles\u002Ffocal_point_3_2_small\u002Fpublic\u002Fimages\u002Fblog_sustainability_cities.jpg.webp?itok=387bZp2n",334,{"name":225,"url":573,"width":288,"height":574},{"name":487,"url":577,"width":288,"height":574},"https:\u002F\u002Fcms.zuehlke.com\u002Fsites\u002Fdefault\u002Ffiles\u002Fstyles\u002Ffocal_point_3_2_medium\u002Fpublic\u002Fimages\u002Fblog_sustainability_cities.jpg.webp?itok=zizp9Qzv",{"name":487,"url":577,"width":288,"height":574},{"name":487,"url":577,"width":288,"height":574},"blog_sustainability_cities.jpg",[582],{"id":526,"name":527},[584,585,588],{"id":443,"name":444},{"id":586,"name":587},"891","New technologies",{"id":589,"name":590},"608","Sustainability"]