EY · Strategy · Medium · 25-35 min
A top-3 KSA general insurer — strong motor and medical books — is watching its direct-channel loss ratio deteriorate from 78% to 91% over two years. The CEO has been pitched embedded insurance by three startups: motor cover sold inside a ride-hailing app, travel cover inside a booking platform, gadget cover inside a major e-commerce checkout. Board wants a 'go / no-go / which partners' recommendation in six weeks. You are the lead.
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