Embedded insurance: Inclusive insurance's quiet, unrequited obsession

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<abstract displayLabel="Summary">The article analyzes the concept of embedded insurance, a strategy that integrates coverage into everyday transactions to reduce distribution costs and increase adoption. It describes its evolution from mandatory products to opt-in models, highlighting examples in emerging markets such as GCash in the Philippines and Nubank in Brazil. The text discusses benefits such as convenience and risk reduction, as well as challenges related to regulation, technology, and customers' perception of value. It emphasizes the importance of offering relevant and transparent products to ensure trust and the long-term sustainability of the model</abstract>
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<text>28 May 2026 ; 6 p.</text>
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