#Insurtech

Insurtech is controversial. Some say it is going to disrupt the insurance industry, some say it's a fad.
But what is insurtech actually? Will the insurance industry change? What role play reinsurer, tech giants (like Amazon, Facebook, Google, Tencent and Alibaba), insurtech start-ups (like for example: Root, Inshared, Trov, Policygenius, WeFox, Clover, Ladder, Insly, Metromile, Friendsurance, Oscar and Deutsche Familienversicherung) and insurance incumbents (like Allianz, Generali, Prudential, Zurich, Axa etc)?
Which countries are leading the way?
And how is it all going to play out?
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Thanks for this