Munich Re and ERGO have published the "Tech Trend Radar 2026", which provides insurers with a compact overview of global, technology-driven developments that will shape the insurance industry in the coming years.

According to the press release, for this year's report, around 25 trends were identified in the areas of "Data & AI", "Healthy Human", "Cyber & Crypto" and "Redefining Industries". The selected trends are considered to be the technologies with the greatest potential to have a lasting impact on the risk assessment, operational resilience, and strategic decisions of insurance companies. These include "AI agents", "AI-augmented software engineering" or "world models" in the field of artificial intelligence, new digital health solutions, the concept of the "digital immune system" in cybersecurity and also "autonomous mobility" or "humanoid robotics" as developments that will change the risk landscape as a whole. The Tech Trend Radar helps to understand the key technological drivers for the insurance industry and to translate their economic implications into concrete decisions.

“AI technologies in particular are already delivering significant added value for insurers. The focus is now on further expanding its use consistently and in a value-oriented manner along the entire value chain – from product development to risk assessment and claims processing through to customer service. This benefits customers as well as employees and companies themselves by strengthening their operational efficiency and resilience in the long term”, said Daniel Grothues Chief Architect Primary Insurance, ERGO Group AG.

In the latest edition of the "Tech Trend Radar", Munich Re and ERGO also focus on two special topics: the "Mainframe Modernization" chapter sheds light on how insurers can gradually transform their tried-and-tested core systems into a modern, flexible IT landscape. This is important in order to integrate digital applications, improve customer experience, and reduce operational risks. The "Operational Technology Cyberattacks" chapter addresses the growing risk of cyberattacks on networked control and industrial systems, which can jeopardize business processes, material assets and, in the case of critical infrastructures, entire regions or industries.