insuranceto
Insuranceto is a term used in insurtech discussions to describe a set of practices and platforms that deliver insurance coverage on an on-demand basis through digital channels. It encompasses micro-duration policies, embedded coverage, and real-time underwriting driven by data and automation.
The term arose in the early 2020s as insurers and technology firms sought to move beyond traditional
Core features include instant policy issuance, flexible durations ranging from minutes to days, and personalized pricing
Adoption has occurred across sectors such as travel insurance, ride-sharing, electronics protection, and event coverage. The
Criticisms center on data privacy, potential surveillance concerns, affordability for short-duration risks, and regulatory compliance. Advocates