Vinay Surana, CEO APAC, Allianz Partners, envisions the future of insurance as experience and insight-driven, focused on prevention and service delivered digitally in an embedded manner. He believes generative AI, digitization, and web 3.0 will drive transformation in the industry. Looking ahead to 2024, he predicts a shift towards embedded delivery models, hyper personalization, and insurers transitioning from product providers to platform participants.