The presentation explores the evolution and impact of Insurtech, focusing on the integration of technology into the insurance industry to enhance efficiency, customer engagement, and competitive advantage. There has been substantial investment in Insurtech, and a shift from early disruptors to more collaborative and pragmatic approaches in recent years. Key technologies like artificial intelligence, machine learning, and automation have transformative potential across functions such as underwriting, claims, and distribution. Challenges like data quality, transparency, bias, and the balance between hyper-personalisation and shared risk are also addressed