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【保险学术前沿】文章推荐:保险科技及其对保险行业的影响概述
13个精算师·2025-07-18 06:38

Core Insights - Insurtech refers to the application of technological innovations to enhance the efficiency of existing insurance models [3][5] - By leveraging data analytics, IoT, and AI, insurtech can achieve more competitive product pricing [3][8] - Insurtech applications improve efficiency across claims processing, risk assessment, contract management, and underwriting [3][10] - Insurtech is similar to fintech, both driving transformation in traditional industries through modern technological solutions [3][4] - Challenges facing insurtech development include regulatory issues and resistance from traditional insurance companies [3][37] What is Insurtech? - Insurtech combines "insurance" and "technology," aiming to reduce costs and enhance efficiency in the insurance industry [5][6] Understanding Insurtech - Insurtech is driven by the need for innovation and transformation in the insurance sector, focusing on areas neglected by traditional insurers [7][8] - It aims to provide highly customized policies and dynamically adjust premiums based on user behavior through new data streams [7][8] Importance of Insurtech - Optimizing Customer Experience: Technology empowers customers to actively participate in insurance selection and receive personalized services [10] - Enhancing Operational Efficiency: Insurtech allows users to research insurance options independently, breaking free from traditional service constraints [11] - Strengthening Customization: Innovative data collection and processing tools enable precise understanding of user needs, optimizing pricing mechanisms [12] - Increasing Service Flexibility: Insurtech products offer customizable, short-term, or transferable features, unlike traditional long-term contracts [13] - Reducing Operational Costs: Insurtech companies can operate globally and remotely, significantly lowering operational expenses while maintaining service quality [14] - Mitigating Fraud: Data analysis and machine learning help identify anomalies and potential fraud, allowing timely interventions [15][16] Problems Addressed by Insurtech - Claims Management: Insurtech automates claims processes, enabling intelligent claims review and fraud detection [18] - Underwriting Processes: Automation allows for dynamic risk assessment and fair pricing based on comprehensive data analysis [19] - Contract Execution: Blockchain technology facilitates automatic execution of smart contracts, ensuring fairness and reducing human error [20] - Risk Mitigation: Big data enables effective identification of fraud and inappropriate risks, enhancing overall risk management [21] Innovative Technologies Driving Insurtech Transformation - Artificial Intelligence/Machine Learning: Automates processes and optimizes premium calculations based on historical data [24] - Automation Technology: Enhances efficiency by minimizing human intervention in data entry and policy generation [25] - Big Data: Allows comprehensive analysis of customer risk profiles and behavior patterns [26] - Blockchain: Provides secure, immutable records for smart contract execution in insurance [27] - Drone Technology: Used for property assessments and claims audits, improving evaluation accuracy [28] - Internet of Things (IoT): Collects detailed data for precise premium pricing and risk assessment [29] Representative Insurtech Company Cases - Lemonade: Directly sells insurance products through a mobile app, bypassing traditional brokers, with a fully digital claims process [31] - Dacadoo: Uses API data from devices to create dynamic user profiles and adjust risk assessments in real-time [31] - Bdeo: Employs AI solutions for guiding customers through claims processes and reducing assessment errors [31] - Etherisc: Integrates blockchain for automated claims processing based on verified third-party data [32] - Avinew: Utilizes IoT for real-time monitoring of driving behavior, offering usage-based insurance discounts [34] Insurtech Profit Models - Insurtech's profitability hinges on simplified operational structures and efficient process management, significantly reducing labor costs [35] Criticisms of Insurtech - Regulatory Barriers: The highly regulated nature of insurance creates hesitance among traditional companies to collaborate with startups [37] - Ecosystem Dependency: Many insurtech startups rely on traditional insurers for underwriting and risk management, creating structural challenges [38] - Privacy Concerns: The use of insurtech often involves compromises on personal privacy, which may deter some consumers [39]