最有看点的互联网乐天堂娱乐门户

最有看点的互联网乐天堂娱乐门户
传统乐天堂娱乐的互联网化国际资讯基于互联网平台的乐天堂娱乐业务

关于保险科技市场你该了解些什么?

创新席卷了各个行业,影响最大的就是乐天堂娱乐服务业,现在全世界Fintech都在蓬勃发展。创新浪潮滚滚,连世界上最古老最有权力的保险业也不能幸免。许多人认为保险业是当下科技创新的一大目标,因而出现了Insurtech(保险科技)。

Insurtech行业旨在使用尖端科技提高行业效率。

Insurtech迅速攻城略地的领域之一就是那些服务保险覆盖、保险支付、可穿戴活动追踪器、车载监控系统和面向顾客的软件SaaS平台。其他一些主要驱使力包括人工智能和物联网。来自Accenture的研究数据显示,这两个技术去年为Insurtech行业吸引7.11亿美元。CBR列出了关于Insurtech你需要知道的七件事,因为未来你肯定会一直听到这个行业的新闻。

1.担保

担保是保险业的核心。担保是签署并接受责任,在损毁或发生损失时保证支付。

Insurtech改革担保的主要能力来自于使用科技获得与客户相关的顶层数据。比如物联网设备可以记录数据;将这些设备装在车上就能获得大量数据来定制保险政策。

这就让保险公司获得了巨大的优势,因为之前顾客完全掌控着自己的信息,给保险公司带来了信息不透明。

2.UBI保险

现在的时代中每个人都期待着无穷的个性化定制。人们远没不如以前完全投入于一个东西。一个例子就是手机,人们总想要获得更早升级机会以站在科技前沿。

在Insurtech行业中,人们利用活动追踪器就可以根据行驶里程或车辆效率等细节来提供不同车险条款服务。这似乎主要有利于保险公司,但随之产生的政策取决于连续不断的数据。这就意味着客户可能可以只在需要的时候购买保险,从而省下一大笔钱。区块链技术在这里可以发挥重要作用。

3.区块链

区块链技术不断出现着重大颠覆性应用,而它也是一个简化保险行业依赖的许多实体繁琐流程的绝佳工具。

目前保险业正在测试运用区块链技术,由AIG和科技巨头IBM领头。这些公司希望创造一个智能保险政策,争取早日提供国际覆盖的保险政策。

目前一个为渣打银行提供的多国政策的试点项目已完成。这个基于区块链的政策允许实时数据共享,这是改革保险业十分重要的一环。

4. 物联网

监控设备可以连续提供连串复杂数据来使得保险公司掌握更多信息。这项科技实际上可以颠覆整个行业,而远不止UBI车险一种。比如,家里已经有一系列智能家电,我们就可以利用一个物理安全站点远程监控家中的各个设备。尤其是在出现非法入户情况下,这些家电记录下了犯罪分子的所有行为细节。火灾显然也将是一个可以投保的威胁,因为对火灾的监控可以更加精确。

关于灾难性威胁的保险政策也将可以运用这一技术,比如从天气地震活动数据中获取信息。大型货运船只也可以并入以提供更精确的信息。

健康可穿戴设备正变得极为普遍,因而保险公司可以极大地降低疾病健康保险费。

5. 整个行业发展迅速

可能你还不太了解这个新的行业,但它不仅仅存在而且随着新科技发展在迅速壮大,投资者开始发现这个行业在现代社会中巨大潜力。

在简介中我们已提到,Accenture发布了关于这个正在成长的行业的信息,以及它是如何被物联网和人工智能驱动的。单这两个技术去年就为insurtech带来了7亿1100万美元的资金,占该行业总投资的44%。

Insurtech行业发展至今已累计了几十亿的投资,KPMG分析这一趋势将持续。

6.行业进步还将持续进行

新科技的使用正改变着整个保险行业对待风险的方式。

传统来说,保险是反应式的,预测某个重要财产遭遇灾难的风险,如货运船或可能遭遇飓风的小镇。通过物联网技术可搜集到的巨大量数据,而且这些数据使用区块链技术可以共享,保险行业正像预防性转变。

关于司机的信息更全面具体,保险政策就可以更精确,可能某个政策就可以禁止最危险的司机接触汽车;而检测人体健康的设备可以更好地警示人们健康衰退情况亦或是防止重大疾病、损伤或死亡。

这些改变都正在简化保险行业,使得整个流程对于客户和保险公司来说都更公平和有效率,尤其是保险公司长期以来因为缺乏数据而处于不利地位。

7.值得关注的英国Insurtech创企

Cuvva是在我阅读关于Insurtech创新影响力的报道时总会看到的公司。这家保险商有手机应用,你可以在应用中输入你的注册号码和一些其他细节信息比如车辆的近似价值和图片,然后就能立即获得一个报价。

Brolly是另一明星创企。这家保险公司使用人工智能这一未来领衔技术趋势。这家公司提供的软件很好地展现了保险业简化可以在哪简化。它的软件能够锁定你的保险,减少昂贵的重续费用。

物联网绝对是Insurtech潮中的核心。伦敦创企Neos提供家用支持物联网的硬件,硬件连接至大楼和申报书。这意味着在家里出现状况或被非法闯入后你能立即获得帮助。

Innovation is sweeping across all industries and perhaps influencing none more so than financial services, with Fintech now well established across the world. No stone is being left unturned, not even the almighty boulder that is the insurance industry, one of the oldest in the world and one that many think is a prime target for the current wave of technological innovation. This is where Insurtech comes in.

Those working within Insurtech are engaged in the pursuit of new uses for cutting edge technologies that will increase the efficiency of the industry. It is also thought that significant savings can be made through the revolutionising of archaic processes and systems.

Some areas in which Insurtech is rapidly taking hold are SaaS platforms for insurance coverage and payment, wearable activity trackers, in-car monitoring systems, and customer-facing apps. Other big driving factors have been Artificial Intelligence (AI) and the Internet of Things (IoT), helping the sector to haul in $711m funding last year, according to an Accenture study.

CBR has compiled a list of the 7 most important things that you need to know about the Insurtech industry, because chances are you will hear a lot more about it in years to come.

1. Underwriting

Underwriting is at the core of insurance, it is the signing and acceptance of liability, and the guarantee of payment in the event of damage or loss, and Insurtech is able to hone this industry foundation.

The chief ability Insurtech has to revolutionise underwriting is the way in which technologies can be harnessed to gain a superior level of data pertaining to the customer. The recording of data for example can be handled by IoT devices; these could be fitted in cars for example, and channel vast sums of data to inform the tailoring of a policy.

This provides the insurer with an outstanding advantage, as previously the customer has had total control of their own information, causing a lack of transparency for the insurer.

2. Usage-based insurance

We are entering an age in which everyone expects infinite opportunity for customisation, one in which things are owned outright and committed to far less often. This example could apply to mobile phones for instance, with people eager to access early upgrade opportunities to constantly be at the forefront of technology trends.

In light of this altering style, Insurtech aims to offer policies that are fluid, and not subject to the same terms regardless of changes in the situation. Trackers also come in to play in this example, as for instance when driving, and policy could flex based on details such as the distance travelled, and the efficiency of the vehicle. While this predominantly seems like a benefit for the insurer, it could also result in a policy improving depending on the constant stream of data. This form of insurance could potentially mean only purchasing insurance when you need it, resulting in major savings, and blockchain technology could play a key role in this.

3. Blockchain

Major, disruptive use cases are constantly being theorised for blockchain technology, but it would be the ideal tool for streamlining many of the physical, arduous processes that the insurance industry remains reliant upon.

Testing of the use of blockchain for insurance is currently underway, with a prime case delivered by American International Group (AIG) and the tech behemoth IBM. These companies are at work on creating a smart insurance policy, in this instance, the two companies are seeking to create a polic that can manage international coverage.

The companies have so far completed a pilot of the project that involved a multi-national policy for Standard Chartered Bank PLC. This blockchain based process allows for the sharing of real-time data, a crucial requirement for revolutionising the industry.

4. IoT

While we have already mentioned instances in which monitoring devices can be installed to provide a constant stream of complex data to better inform the insurer, this technology could transform insurance end to end when you consider that a great deal more than just cars can be monitored in this way.

For example, with a range of smart appliances already within homes, it is feasible that devices could monitor your home from a physical security stand point. This could place the home-owner in a better position in the event of a break in, with technology recording exact details of entry. Fire would also be an obvious insurable threat that could be monitored more accurately.

This technology could also come into play for policies regarding instances of catastrophic risk, tapping into information spanning the weather seismic activity. Major shipping vessels could also be fitted to provide more accurate visibility.

Wearables for health are also becoming extremely prevalent, and lead to health insurers allowing health premiums to be considerably lower for the customer.

5. Insurtech is growing fast

While you may not have heard a great deal about this new industry yet, it is much more than just a real thing, as it is making huge gains as new technologies are developing and investors begin to see the potential for the industry to become entrenched in modern society.

As touched upon in our introduction, Accenture released information on the booming industry and how it has been energised by IoT and AI. These technologies alone have been pegged as responsible for $711 million in funding into Insurtech last year alone, equating to 44% of the investment in the industry.

The total spending on Insurtech is amassing into multiple billions, with the industry boom carrying from year to year, and according to KPMG we can expect this progress to continue.

6. Insurance is changing for good

The new technologies that are being linked to insurance use cases are causing the entire industry to change in the way it approaches risk in the world.

Traditionally insurance has been reactive, predicting the potential for disaster to strike an important asset, be it a container ship, or a town that is on a likely hurricane route. With the massive amounts of data that can be harvested by IoT, and potentially communicated using blockchain, insurance is becoming more preventative.

More detailed information on drivers will provide more accurate policies that may even exclude the most dangerous drivers from accessing use to vehicles, while devices for monitoring human health could better indicate a deteriorating state of health, and prevent more serious illness, injury or even death.

These changes are all ultimately streamlining the insurance industry, and making the process fairer and more efficient for both the customer and the insurer that has long been at a disadvantage based on a lack of data.

7. UK Insurtech startups to watch

Cuvva is the one I have seen emerge the most time while reading about the innovative impact of Insurtech. This provider offers a mobile app that you can use to enter your registration number and a few other details including approximate value of the car and picture. You are then provided with an instant quote.

Brolly is another hot option in the UK, and this one is using AI technology, the current technology trend frontrunner. The app offered by this provider is an example of where insurance streamlining can occur, as it works to reduce expensive renewals by locking your insurance in place.

IoT is truly at the core of the Insurtech boom, and the London based Insurtech startup Neos provides IoT enabled hardware within the home linking to building and contents cover. The technology means you can get immediate assistance following a fault in the home or a break in.


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