Wavestone：2025年混合销售指数研究报告（英文版）

The analyses of the Hybrid Sales Index© for Germany, Austria and Switzerland show that insurers in all three countries are increasingly using hybrid sales channels to respond to changing customer requirements. The focus here is on networking online and offline channels and optimizing the customer journey. The customer experience is increasingly characterized by digital offerings such as video consultations, online appointments and chatbots, with insurers such as Allianz, ERGO and AXA already