Asia Insurance Product Trends: November 2025

Our latest web scraping insights covering insurance product launches in November 2025 across Indonesia, Singapore, Malaysia, and Hong Kong reflects continued refinement in product design, with insurers focusing on flexibility, sustainability, and customer value across investment, savings, protection, critical illness, and medical segments.

Key observations:

Indonesia

New launches feature Shariah-compliant investment-linked plans with coverage up to age 99, combining comprehensive death, TPD, and terminal illness protection with booster investment benefits. Endowment and long-term protection products emphasize flexible premium terms, guaranteed annual benefits, and high maturity payouts, while CI innovation includes early-stage CI payor riders that enhance affordability through premium waivers.

Singapore

Product activity spans investment, savings, and protection. ILPs highlight short premium terms with full fund allocation, tiered bonuses, and flexible withdrawals. Savings plans combine guaranteed capital, retirement income, and lifestyle incentives, while protection products blend guaranteed cash values, legacy planning features, and health improvement incentives.

Malaysia

Investment-linked and takaful products continue to focus on high coverage levels, flexible premium options, and loyalty bonuses. Innovation is emerging through flexible death benefit settlement options, while medical products prioritize affordability and sustainability, offering high annual limits with no lifetime caps, immediate no-claim discounts, and refunds of unutilized hospital room and board benefits.

Hong Kong

Savings products emphasize wealth accumulation and legacy planning with guaranteed and non-guaranteed bonuses, flexible withdrawals, and settlement options. Protection offerings move toward more personalized coverage, including renewable options, milestone-based flexibility, and conversion features, while medical plans focus on high benefit limits, flexible deductibles, and enhanced support for seniors.

How we can help:

1.     Identifying priority product opportunities based on recent market launches and emerging customer needs.

2.     Reviewing and refining product concepts, feature structures, and benefit positioning before development begins.

3.     Support pricing and profitability assessments to ensure new or refreshed products are commercially sustainable from launch.

If this is something you'd like to explore further, we would be happy to arrange a short discussion.

#InsuranceInnovation #ProductDevelopment #MarketIntelligence #InsuranceTrends #ActuarialSolutions #LifeInsurance #Takaful #InvestmentLinkedPlans #WebScraping #InsuranceInsights