Insurtechs
The insurance sector is undergoing rapid evolution, driven by the rise of digital technologies and the emergence of innovative solutions.
To support this momentum, ACAPS, through its Innovation and InsurTech Unit, offers structured and personalized support specifically designed for InsurTechs.
Created to encourage and guide innovative projects, this unit supports startups and entrepreneurs seeking to bring innovative solutions to Morocco's insurance sector while ensuring the regulatory compliance of their initiatives.
The Single Window (InsurTech Journey) serves as the central contact point for InsurTechs, enabling project leaders to benefit from tailored support.
An InsurTech (short for Insurance Technology) is an innovative startup that leverages emerging technologies to transform and modernize insurance services. These companies address market opportunities by providing targeted solutions, whether in the form of insurance products aimed directly at consumers (B2C) or technological tools to enhance the performance of stakeholders in the insurance industry (B2B).
InsurTechs can specialize exclusively in insurance or operate at the intersection of related sectors such as healthcare, finance, or agriculture, developing tailored solutions to meet the evolving needs of consumers and businesses.
Creating an InsurTech today offers the opportunity to play a central role in the digital transformation of insurance. By launching your project, you position yourself as a key stakeholder in this revolution, offering innovative solutions tailored to new consumer expectations and the challenges of the digital era. Additionally, the insurance sector is rapidly evolving, with high demand for more flexible, personalized, and accessible services.
As a regulator, ACAPS supports you in this endeavor by providing a structured framework and guiding you through the steps to ensure compliance.
ACAPS welcomes, informs, and supports innovative project leaders in their regulatory compliance processes through a One-Stop Shop.
This pathway is tailored for InsurTechs and startups from related sectors wishing to integrate one or more insurance services into their offering, providing step-by-step personalized support.
The InsurTech Pathway offers a personalized approach to guide project leaders in their journey toward regulatory compliance.
Steps of the InsurTech Journey:
- Contact the Single Window:
If you are an InsurTech project leader and wish to receive support in your compliance process, contact the Authority's Single Window via email: [email protected]. - Initial Contact with the Unit:
Within one week, a member of the Innovation & InsurTech Unit will contact you to discuss your project and assist you in completing a needs assessment form. - Preparation for a Meeting with ACAPS business divisions:
If your project is eligible, a discovery meeting will be scheduled to explore your proposal in detail and define the next steps in your compliance pathway. - Ongoing Support:
Meetings will be scheduled with ACAPS teams to guide you in preparing your regulatory steps. A tailored solution will be proposed to ensure the compliance of your InsurTech solution.
ACAPS is committed to ensuring the complete confidentiality of your project and all information shared with its representatives.
The Emergence Program is an initiative led by the Supervisory Authority of Insurance and Social Welfare. It aims to stimulate innovation, strengthen collaboration among ecosystem stakeholders, and support the digital transformation of the insurance and social welfare sector.
Based on a collaborative approach, the program brings together insurance companies, intermediaries, InsurTech ecosystem experts to engage in strategic and operational discussions, with the goal of generating concrete, high-impact use cases.
Through a structured framework of workshops and exchanges—enriched by the insights of national and international contributors—the Emergence Program fosters the co-creation of innovative solutions that address real market needs.
By encouraging dialogue between the regulator, professionals, and technology specialists, the initiative helps anticipate sector developments while maintaining a balanced focus on innovation, competitiveness, and policyholder protection.
A collective approach serving innovation
The first edition created a forum for exchange and co-creation, bringing together key stakeholders from the insurance and social welfare market. Its objective was to identify technology use cases capable of addressing operational and strategic challenges, in line with the existing regulatory framework.
The program unfolded in two complementary phases:
- Roadshow: identification of priority needs and pain points through exploratory interviews with insurance companies, intermediaries, and partners of the FinTech ecosystem.
- Emergence Track: collaborative workshops bringing together market players, InsurTech experts, and tech talents to design and model innovative solutions.
Tangible results driving sector transformation
At the end of the journey, seven high-potential use cases were co-built. Directly linked to the needs identified during the Roadshow, these use cases are powerful levers for the digital transformation of the insurance and social welfare sector.
Their deployment may follow several pathways:
- By existing operators, integrating and steering the solutions in line with their strategic priorities;
- By project leaders or InsurTechs, able to experiment rapidly and demonstrate the value of proposed solutions;
- Collectively, via shared services benefiting the entire sector, within a common and transparent governance framework.
Through this first edition, the Emergence Program has demonstrated its ability to mobilize efforts, encourage co-innovation, and deliver concrete results in support of a sector undergoing profound transformation.
Summary of results - 1st edition 2025
Did you know ?
To address frequently asked questions from project leaders, ACAPS provides a dedicated FAQ covering the main aspects of the compliance pathway for InsurTechs.
