Health insurers' game-changer 10 disruptive digital business models
Peer-to-Peer Insurance Models
Peer-to-peer (P2P) insurance models are gaining traction as a way to reduce costs and increase transparency. In a P2P model, groups of policyholders pool their premiums to cover each other's claims, with any surplus being returned to the members. This approach can lower premiums and increase trust among policyholders. Lemonade, a leading P2P insurer, has demonstrated the potential of this model, achieving rapid growth since its launch7.