{"id":10790,"date":"2026-02-17T18:00:00","date_gmt":"2026-02-17T17:00:00","guid":{"rendered":"https:\/\/www.eurogroupconsulting.com\/?p=10790"},"modified":"2026-02-19T10:26:08","modified_gmt":"2026-02-19T09:26:08","slug":"barometre-des-decideurs-de-lassurance-2026-sous-tension-lassurance-entre-dans-une-nouvelle-ere","status":"publish","type":"post","link":"https:\/\/www.eurogroupconsulting.com\/publications\/etude\/barometre-des-decideurs-de-lassurance-2026-sous-tension-lassurance-entre-dans-une-nouvelle-ere","title":{"rendered":"Barom\u00e8tre des d\u00e9cideurs de l\u2019assurance 2026 : sous tension, l\u2019assurance entre dans une nouvelle \u00e8re"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"10790\" class=\"elementor elementor-10790\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7fca7baa e-con-full e-flex e-con e-parent\" data-id=\"7fca7baa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-51a83577 elementor-widget elementor-widget-text-editor\" data-id=\"51a83577\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><b>Le Barom\u00e8tre des d\u00e9cideurs de l\u2019assurance 2026, r\u00e9alis\u00e9 par Eurogroup Consulting en partenariat avec le Cercle LAB, fait son retour dans un contexte profond\u00e9ment transform\u00e9. Inflation des co\u00fbts techniques, pression r\u00e9glementaire, volatilit\u00e9 des march\u00e9s, acc\u00e9l\u00e9ration de l\u2019intelligence artificielle : le secteur \u00e9volue d\u00e9sormais dans un environnement plus exigeant, plus instable et plus technologique.<\/b><\/p><p>Cette nouvelle \u00e9dition du Barom\u00e8tre met en lumi\u00e8re un basculement strat\u00e9gique majeur du secteur : l\u2019assurance n\u2019est plus dans une logique de croissance \u00e0 tout prix, mais dans une recherche d\u2019\u00e9quilibre entre performance, ma\u00eetrise des risques et efficience op\u00e9rationnelle.<\/p><h3><strong>Un optimisme s\u00e9lectif dans un environnement contraint<\/strong><\/h3><p>Les r\u00e9sultats de l&rsquo;enqu\u00eate r\u00e9v\u00e8lent une forme de \u00ab grande dissonance \u00bb au sein du secteur. Si 65 % des d\u00e9cideurs anticipent une dynamique favorable sur l\u2019\u00c9pargne\/Vie, port\u00e9e par des conditions financi\u00e8res plus favorables, les activit\u00e9s techniques demeurent sous forte pression. En IARD, pr\u00e8s d\u2019un d\u00e9cideur sur deux pr\u00e9voit une d\u00e9gradation, tandis que la Sant\u00e9-Pr\u00e9voyance reste fragilis\u00e9e par les transferts de charges et l\u2019\u00e9volution des profils de risque. Dans un contexte marqu\u00e9 par l\u2019inflation des co\u00fbts, la volatilit\u00e9 des march\u00e9s et une concurrence accrue, la croissance existe encore, mais elle est cibl\u00e9e et plus exigeante.<\/p><h3><strong>La priorit\u00e9 d\u00e9fensive : restaurer la marge et ma\u00eetriser les risques<\/strong><\/h3><p>Face \u00e0 cet effet de ciseau in\u00e9dit, la priorit\u00e9 strat\u00e9gique se d\u00e9place clairement vers la protection des \u00e9quilibres \u00e9conomiques. Pour 57 % des dirigeants, l\u2019efficacit\u00e9 op\u00e9rationnelle devient l\u2019enjeu num\u00e9ro un, devant l\u2019exp\u00e9rience client. L\u2019objectif est de contenir l\u2019augmentation des charges et de pr\u00e9server la marge technique, alors m\u00eame que les risques structurels s\u2019intensifient.<\/p><p>Le Cyber &amp; Data s\u2019imposent comme la premi\u00e8re pr\u00e9occupation strat\u00e9gique (76 % des r\u00e9pondants), devant les risques juridiques et r\u00e9glementaires, puis climatiques. Les assureurs doivent ainsi s\u00e9curiser leurs propres syst\u00e8mes tout en continuant \u00e0 couvrir des expositions de plus en plus complexes, dans un environnement normatif et technologique en constante \u00e9volution.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bc637ea e-con-full e-flex e-con e-child\" data-id=\"bc637ea\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0ca1955 elementor-widget elementor-widget-heading\" data-id=\"0ca1955\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">\u00ab Les d\u00e9cideurs ne raisonnent plus en termes de croissance \u00e0 tout prix, mais en arbitrages : entre performance et efficience, entre investissements technologiques\net ma\u00eetrise des co\u00fbts, entre conqu\u00eate commerciale et cr\u00e9ation de valeur \u00bb<\/div>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ed7b96c e-con-full e-flex e-con e-child\" data-id=\"ed7b96c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41ff974 elementor-widget elementor-widget-heading\" data-id=\"41ff974\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\"><b>Matthieu Sainton<\/b><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d39bf50 elementor-widget elementor-widget-heading\" data-id=\"d39bf50\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Associ\u00e9<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-84baef5 elementor-widget elementor-widget-text-editor\" data-id=\"84baef5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h3><strong>L\u2019IA et la valeur client au c\u0153ur du nouveau mod\u00e8le<\/strong><\/h3><p>Dans ce contexte, la transformation technologique change d\u2019\u00e9chelle. L\u2019IA g\u00e9n\u00e9rative est d\u00e9j\u00e0 int\u00e9gr\u00e9e par 76 % des dirigeants dans au moins une fonction. Elle devient un levier concret d\u2019industrialisation, mobilis\u00e9 pour automatiser les processus, renforcer la d\u00e9tection de fraude ou am\u00e9liorer la relation client. Parall\u00e8lement, la logique de croissance \u00e9volue : les acteurs privil\u00e9gient la diversification des march\u00e9s et la maximisation de la valeur par client plut\u00f4t que la conqu\u00eate massive.<\/p><p>Le barom\u00e8tre 2026 dessine ainsi un secteur en transition, engag\u00e9 dans trois batailles d\u00e9cisives : restaurer la marge technique, piloter la valeur du portefeuille et r\u00e9ussir la transformation organisationnelle. Plus que jamais, l\u2019assurance doit conjuguer industrialisation et proximit\u00e9 pour construire des mod\u00e8les durables.<\/p><p><b>T\u00e9l\u00e9chargez le Barom\u00e8tre des d\u00e9cideurs de l&rsquo;Assurance 2026.<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-09ca4bb elementor-widget elementor-widget-text-editor\" data-id=\"09ca4bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h4>M\u00e9thodologie de l&rsquo;\u00e9tude<\/h4><p>Pour garantir la robustesse des r\u00e9sultats et des enseignements, cette \u00e9tude croise deux sources de donn\u00e9es compl\u00e9mentaires :<\/p><ul><li><p>Un volet quantitatif : Une consultation en ligne men\u00e9e aupr\u00e8s d&rsquo;une centaine de dirigeants sur le 4\u00e8me trimestre 2025 pour mesurer les tendances et les priorit\u00e9s d\u2019investissement.<\/p><\/li><li><p>Un volet qualitatif : Une s\u00e9rie de 30 entretiens approfondis r\u00e9alis\u00e9s tout au long de l\u2019ann\u00e9e 2025. Ces \u00e9changes avec des assureurs, mutuelles, institutions de pr\u00e9voyance, courtiers et experts du secteur ont permis de qualifier les signaux faibles et de contextualiser les r\u00e9sultats chiffr\u00e9s.<\/p><\/li><\/ul><p>Le questionnaire a \u00e9t\u00e9 sp\u00e9cifiquement adress\u00e9 \u00e0 une population de hauts d\u00e9cideurs dans l\u2019ensemble des familles du march\u00e9 : assureurs, mutuelles, institutions de pr\u00e9voyance, bancassureurs\u2026 garantissant une vision strat\u00e9gique et non simplement op\u00e9rationnelle. Les r\u00e9pondants occupent majoritairement des fonctions de direction de premier plan : membres de COMEX et Directions G\u00e9n\u00e9rales, directions de la strat\u00e9gie, directions du d\u00e9veloppement, directions techniques, directions des op\u00e9rations\u2026<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>D\u00e9couvrez le barom\u00e8tre 2026 : marges sous pression, risques croissants et IA g\u00e9n\u00e9rative redessinent les priorit\u00e9s strat\u00e9giques du secteur.<\/p>\n","protected":false},"author":9,"featured_media":10786,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[33],"tags":[43],"class_list":["post-10790","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-etude","tag-highlight"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO 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