Accelerated digitalization, new consumer expectations and the emergence of emerging risks will be transforming the insurance sector during 2026.
According to Ahorra Seguros, the outlook for this year will be marked for five big trends that are already beginning to shape the future of the market:
5 trends
- Artificial Intelligence as a strategic piece. Artificial intelligence is already established as a central tool in fraud detection, risk assessment and process automation. Without a doubt, its implementation will allow more agile response times and products based on high-precision predictive analysis.
- Hyper personalized policies. Consumers are increasingly more informed, insurers are betting on pay-per-use and on-demand models that adapt to the real behavior of each person. Personalized coverage for cars, urban mobility, travel, health and digital devices will be the stars of the year.
- Cyber insurance. Given the increase in cyberattacks, this policy becomes a priority for companies of all sizes. Coverages evolve to include continuous monitoring, incident response, legal advice and data recovery, consolidating insurers as key partners in operational continuity.
- Digital health. The growth in the use of prevention platforms will drive a new approach to health insurance. Insurers will integrate digital wellness programs, rewards for healthy habits and hybrid schemes that combine in-person care with remote solutions, which undoubtedly increasingly respond to consumer demand.
- Financial inclusion. Microinsurance accessible via mobile applications and electronic payment methods will grow significantly, responding to the increase in independent workers and the need for simpler and more accessible products.
“The insurance industry in Mexico is preparing for a 2026 of innovation, inclusion and new challenges. That is why companies in the sector must reaffirm our commitment to the protection of families, companies and the development of the country,” said Gabriel Rosillo, GWO.
Technological investment
Given the above, experts anticipate that during this year there would be a increase of up to 20% in technological investment of the insurance sector in Mexico.
According to Grupo Interesse, the technological investment in the insurance sector could register an increase of up to 20% in 2026, driven by a greater adoption of solutions based on artificial intelligence, process automation and advanced data analytics.
In recent years, the Mexican insurance sector has shown a sustained trend towards the digitalization of its operations. According to the market consulting firm IMARC Group, between 15% and 20% of insurers in Mexico already use artificial intelligence in different processes, which shows the growing pace of adoption of advanced technologies for risk assessment, information analysis and operational optimization.
“Technology is no longer a differentiating element but has become an essential condition for competitiveness in the insurance sector. Looking ahead to 2026, companies that invest strategically in artificial intelligence, automation and data analytics will be in a better position to strengthen its operation and respond more efficiently to the needs of the market,” said Joaquín Barreiro, Commercial and Marketing Managing Partner of Grupo Interesse.
Among the main technological trends that will mark the evolution of the sector in 2026, advanced analytics applied to decision-making, the use of artificial intelligence for fraud detection and prevention, as well as the implementation of chatbots and virtual assistants to provide continuous care, stand out. Added to this are digital platforms that streamline the contracting, administration and renewal of policies in real time.
