Insurance Business ReviewDECEMBER 20256Copyright © 2025 ValleyMedia, Inc. All rights reserved. Reproduction in whole or part of any text, photography or illustrations without written permission from the publisher is prohibited. The publisher assumes no responsibility for unsolicited manuscripts, photographs or illustrations. Views and opinions expressed in this publication are not necessarily those of the magazine and accordingly, no liability is assumed by the publisher thereof.Managing EditorRaven Mcguire*Some of the Insights are based on the interviews with respective CIOs and CXOs to our editorial staffEditorial StaffAaron Pierce Ava GarciaAlex D'Souza Abhinov PunnakkalJoshua ParkerSarah FernandesEditorialRaven McguireManaging Editoreditor@insurancebusinessreview.comThe Asia Pacific health insurance landscape is moving from product-centric risk transfer toward integrated, digitally enabled care ecosystems. Insurers are embedding telemedicine, remote monitoring, and platform-based care navigation into policies so that coverage no longer ends at the claims window but continues to follow the patient through prevention, diagnosis, and chronic care management. This shift is being driven by rapid digital health adoption across the region, heavy investment in insurtech distribution and underwriting models, and rising demand for personalized, data-driven experiences that reduce customer friction and improve clinical outcomes.That same technological momentum is reshaping compliance and training for insurers and their intermediaries. Regulators across APAC are tightening reporting, data-protection, and model-governance requirements while introducing sandboxes and guidance for AI and algorithmic decision making, which forces companies to professionalize governance, auditability, and workforce capability in parallel with product innovation.As a result, compliance teams are evolving into strategic functions that combine regulatory monitoring, continuous controls testing, and role-based training programs that teach both legal obligations and the practical use of new tooling. Insurers that align learning and certification pathways with automated control frameworks and transparent model documentation will find it easier to scale new offerings across diverse APAC markets with differing rules and supervisory expectations.The intersection of customer-first digital health on the one hand and heightened regulatory scrutiny on the other creates a clear imperative for health insurers and their service partners to invest simultaneously in seamless, secure customer journeys and rigorous compliance-by-design practices. Organizations that master both will convert regulatory complexity into a competitive advantage, delivering safer, more valuable coverage while accelerating adoption across the region.This edition highlights the expert perspectives of Jeremy Leong, Chief Risk Officer and Head of Risk and Compliance, Taishin International Bank ­ Brisbane Branch, and Nhu Nguyen, Risk Data Analysis Manager at PNJ Group. These esteemed professionals share their invaluable insights on developments and challenges within the sector, along with potential solutions.We hope these valuable insights from industry leaders featured in this edition will assist you in making informed decisions for your businesses.Let us know your thoughts.The Changing Architecture of Health Insurance and Compliance ServicesVisualizersMichael WayneChris LynnDECEMBER 2025, Vol 04 Issue 19 (ISSN 2837-1763) ValleyMedia, Inc. To subscribe to Insurance Business ReviewVisit www.insurancebusinessreview.com Email:sales@insurancebusinessreview.comeditor@insurancebusinessreview.commarketing@insurancebusinessreview.comAPAC
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