Russian Insurance Market Digitization Reaches 45% Online Penetration
February 18, 2026 at 05:37 AM567 views
InsurTech Transformation
Online insurance sales in Russia have reached 45% of total premiums in 2025, up from 28% in 2023, driven by mandatory OSAGO digitization and health insurance platforms.
Market Leaders
- Tinkoff Insurance: 68% digital penetration
- Ingosstrakh: 52% digital penetration
- RESO-Garantia: 41% digital penetration
Product Breakdown
- OSAGO (auto liability): 72% online
- Travel insurance: 89% online
- Health insurance: 34% online
- Property insurance: 28% online
The CBR expects full digital penetration to reach 65% by 2028 under its financial digitization roadmap.
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