Embedded Insurance at Scale: Lessons from a Multi-Market Rollout
Markus Eder (UNIQA) and Emmanuel Chéret (bsurance) share lessons from rolling out embedded insurance across nine countries, in the OEIO Quarterly Insight.
The Open & Embedded Insurance Observatory (OEIO) has published its September 2026 Quarterly Insight, bringing together practitioner perspectives on embedded insurance across Europe and the Americas, from bolttech, Admiral Pioneer, Swiss Re, insureMO, Willis × Qover, Marsh Risk, AXA Partners US, and UNIQA × bsurance.
In Embedded Insurance at Scale: Lessons from a Multi-Market Rollout (pages 30–34), Markus Eder, Head of Embedded Insurance at UNIQA Insurance Group, and Emmanuel Chéret, CEO of bsurance, discuss the operating model behind UNIQA's European embedded insurance rollout on the bsurance platform, and what they learned along the way.
Key takeaways
9 countries and 20 products by year end. The first wave covered bike and e-bike insurance, solar panels, travel and extended warranties, with new countries and products onboarded every month.
Clear roles. UNIQA is the programme owner and risk carrier, leading commercial and brand delivery. bsurance is the technology and delivery provider, mobilising the platform and co-shaping the operating model.
No multi-year IT transformation. A configurable, API-based platform built on 8 years of deployment experience lets an established insurer mobilise quickly, adapting to its existing products, processes and distribution setups.
Progressive rollout. Go live quickly in a first country, learn, and use that blueprint to make each following wave faster and smoother.
A dedicated competence centre, not a spin-off. Staying close to the core brand while operating autonomously combines startup-level agility with the strength of the group.
With the right technology in place, speed becomes an organisational question.
OEIO Quarterly Insight, September 2026
Inside the Quarterly Insight
Beyond our conversation with UNIQA, the issue covers scaling across customer ecosystems, customer experience, the reinsurer's view, AI-assisted development, multi-carrier OEM motor, cross-border affinity programmes and embedded travel insurance in banking.
Don't wait for the model to be perfect.
Emmanuel Chéret, CEO, bsurance
Read the full conversation on pages 30–34: download the OEIO Quarterly Insight, September 2026 (PDF).
Thanks to Yuri Poletto and the Open & Embedded Insurance Observatory for bringing together perspectives from across the ecosystem. Images and excerpts © 2026 Open & Embedded Insurance Observatory, reproduced with permission.
