目前中國(guó)有(yǒu)700多(duō)万的保险代理(lǐ)人,从这么庞大的数字来看,短期内人工智能(néng)还无法完全取代代理(lǐ)人,但是人工智能(néng)与健康险具有(yǒu)非常天然的贴合度,一旦投入应用(yòng),将会切中传统保险的痛点,為(wèi)保险机构带来崭新(xīn)的机遇和新(xīn)业務(wù)增長(cháng)空间,尤其是改变用(yòng)户普遍抱怨的投保麻烦、条款复杂、理(lǐ)赔难、价格高等问题。例如人工智能(néng)领域的智能(néng)保险顾问,可(kě)以通过大数据、保险模型,结合人工智能(néng)来帮助用(yòng)户完成購(gòu)买保险的过程,通过机器来回答(dá)保险问题,完成保险知识教育、产品选择、报价等问题,从而有(yǒu)效避免主观误导,从而减少保险纠纷和骚扰。
众所周知,日本的電(diàn)子产品产业非常发达,伴随而来人工智能(néng)产业也经常先人一步,有(yǒu)许多(duō)日本保险公司已经开始往这人工智能(néng)方面进军,其中有(yǒu)这么一家保险公司所有(yǒu)员工加起来只有(yǒu)34人,据悉这家保险公司今年1月正式启用(yòng)人工智能(néng)系统,负责公司的保险理(lǐ)算业務(wù),这项措施有(yǒu)望把工作效率提高30%,并且每年节省约1.4亿日元(约合人民(mín)币831万元)的工资成本。现在,这股人工智能(néng)风潮也已刮向了國(guó)内保险行业。面对飞速发展的新(xīn)兴科(kē)技,已经有(yǒu)越来越多(duō)的國(guó)内险企从排斥走向主动试水,正在保险人工智能(néng)化的路上“摸着石头过河”。据了解,包括平安保险、中國(guó)人寿、中國(guó)人财保险、泰康在線(xiàn)、太平洋保险、新(xīn)华保险等在内的多(duō)家险企都已将人工智能(néng)引入到核保、客服等环节中。
為(wèi)何近年来人工智能(néng)突然在保险金融领域大火呢(ne)?小(xiǎo)编觉得,原因有(yǒu)以下几点:在经历了2015年,互联网保险行业集中爆发又(yòu)遇冷以后,进入2017年,整个行业开始变的更加冷静和接地气。一方面互联网的玩家们开始向“场景险”切入,希望能(néng)够将更多(duō)用(yòng)户留下;而另外一方面,以平安為(wèi)首的传统的保险行业巨头在经历从線(xiàn)下到線(xiàn)上的转型阵痛后也开始渐入佳境,从互联网到人工智能(néng),期间的改变可(kě)能(néng)比你想象中还要多(duō)。而且近两年,互联网保险的爆发行业有(yǒu)目共睹。根据保监会公布的数据显示,2016年我國(guó)有(yǒu)平安健康保险等117家保险机构开展互联网保险业務(wù),实现2347.97亿元的签单保费,新(xīn)增61.65亿件互联网保险业務(wù)保单,占全部新(xīn)增保单件数的64.59%。
互联网保险的新(xīn)入玩家也越来越多(duō),资本也十分(fēn)青睐这一领域。据统计,去年全球互联网保险行业平均每个季度有(yǒu)48件融资事项发生。近几年,全球资本共向互联网保险创业企业投入了约17亿美元的资金。互联网玩家对传统保险行业的“入侵”,一度被认為(wèi)是对传统保险行业的“颠覆”,尤其是当平安健康保险这类持牌互联网保险公司进入这一领域,不仅突破了地域的限制,可(kě)以在全國(guó)范围内经营,且互联网渠道降低了其运营成本和获客成本。
蚂蚁金服副总裁、保险事业群总裁尹铭在一封内部邮件中写道,“保险有(yǒu)很(hěn)大的需求,但保险难卖,保险也难买。”正是这种“难买难卖”的问题症结,促进了保险科(kē)技在保险行业的拓展发展,也随之带动了与其相关的人工智能(néng)行业的发展。
既然是大势所趋,那么人工智能(néng)在我國(guó)目前有(yǒu)哪些发展呢(ne)?
马云在2016云栖大会上提到:未来机器一定会比人聪明,但机器不会统治人类,因為(wèi)它们没有(yǒu)想象力和价值观。2016百度世界大会上,百度公司创始人兼CEO李彦宏全面展示了“百度大脑”——百度人工智能(néng)全貌,他(tā)从语音、图像、自然语言理(lǐ)解和用(yòng)户画像等四个方面阐述了百度大脑的能(néng)力。其中,李彦宏现场展示了运用(yòng)情感语音合成技术还原**影星张國(guó)荣声音的视频,通过情感语音合成技术实现与粉丝的“隔空对话”,震惊现场观众,观众直呼“帅呆了!”
近日,百度集团宣布与中國(guó)人寿达成战略合作,双方将借助各自优势,在平台、数据、人工智能(néng)等方面展开深度合作。当然,中國(guó)人寿并不是第一家“试水”人工智能(néng)的险企。早在2012年,新(xīn)华保险在其短信、電(diàn)话互动服務(wù)平台方面就已使用(yòng)了人工智能(néng)技术系统,解答(dá)常见咨询问题。2016年,“三马”创立的众安保险再下一城,助推整个保险生态信息化升级。
人工智能(néng)被用(yòng)来“量身定制”物(wù)价和保险
目前,已有(yǒu)不少险企利用(yòng)人工智能(néng)技术采用(yòng)去中间化方式构建直销平台,获取社交媒體(tǐ)数据,运用(yòng)大数据技术构建定价和反欺诈模型,从而有(yǒu)效评估客户承保前、承保中和承保之后的风险。该平台不仅能(néng)降低中间费用(yòng),提高承保效率,而且有(yǒu)助于降低欺诈概率,為(wèi)客户提供更符合其自身需求的个性化产品。去年8月,由泰康在線(xiàn)推出的國(guó)内首款保险智能(néng)机器人“TKer”面世,运用(yòng)人脸识别、语音交互等技术能(néng)够实现自主投保、保单查询等功能(néng)。
李开复曾在Google、微软、苹果等世界顶尖科(kē)技公司担任全球副总裁职務(wù),在他(tā)看来,传统企业,比如说股票的数据,比如说保险业、银行业,各种金融,数据非常的丰富,而且是非常的狭窄领域,不用(yòng)跨领域的理(lǐ)解,可(kě)以快速产生商(shāng)业价值。
能(néng)够预测的是,随着数据電(diàn)子化程度加深、数据较集中且数据质量高的行业或将*先受到人工智能(néng)的改造,实现机器协助人类工作、提**率。
智能(néng)定损减少“猫腻”,一个**的售后理(lǐ)赔近在咫尺
7分(fēn)钟能(néng)做什么?近日,平安人寿用(yòng)7分(fēn)钟完成了一起理(lǐ)赔案件,理(lǐ)赔速度之快令还没喝(hē)完一杯茶的浙江客户杨女士忍不住咂舌。為(wèi)了改变核保慢、理(lǐ)赔难,不少险企试图利用(yòng)人工智能(néng)技术“医治”这一顽疾。比如,此次平安人寿推出的“闪赔”采用(yòng)*新(xīn)科(kē)技实现后台的智能(néng)化审核,并快速出具赔付结论, 保证客户在30分(fēn)钟内便可(kě)收到理(lǐ)赔结果。首先,通过数据分(fēn)析為(wèi)保险产品定价,实现定制。其次,通过机器识别参与保险核赔,降低风险。据了解,蚂蚁金服保险平台的图片识别技术是核赔流程重要应用(yòng)之一,其消费保险的理(lǐ)赔环节,超过九成是依靠后台技术识别和判定。更重要的环节是对图片相似度的识别,在传统保险领域,企图骗保的人,可(kě)能(néng)会拿(ná)着网上下载的图片,在多(duō)家保险公司报案理(lǐ)赔。但在生鲜腐烂、化妆品过敏这些消费保险上,技术可(kě)以在一个庞大的图片库中,比对识别出报案人上传的是真实拍摄图片,还是重复使用(yòng)了别人皮肤过敏的图片,亦或是网上下载了腐烂水果的图片。结合对理(lǐ)赔者信用(yòng)程度的判断,绝大多(duō)数理(lǐ)赔都可(kě)以在短时间内在線(xiàn)完成,无需人工干预。
再次,通过技术优化业務(wù)流程,促进交易。目前,有(yǒu)些互联网保险公司和第三方平台开始将科(kē)技业務(wù)作為(wèi)重要的一块。比如众安保险宣布成立了独立的科(kē)技公司,关注的技术更為(wèi)前沿,包括區(qū)块链、人工智能(néng)和大数据,推出的平台包括區(qū)块链开放平台和智能(néng)投顾,从金融和医疗健康切入。
*后,医疗系统结构日益复杂化,信息却呈现分(fēn)散化,往往会导致患者由于所得信息不充分(fēn)而作出多(duō)余的医护决定,实际并没有(yǒu)什么疗效,徒增不必要的费用(yòng),运用(yòng)人工智能(néng)技术,可(kě)以引导个人及企业做出更好的医护决定。
医保和人工智能(néng)现在都经常出现在新(xīn)闻中,美國(guó)参议院废除了“美國(guó)平价医疗法案”(又(yòu)称“奥巴马医改”)的立法草(cǎo)案,这让一些美國(guó)人感到恐惧,与此同时,机器學(xué)习ML和人工智能(néng)这两个概念的流行也激发了他(tā)们对自身的担忧。
如果有(yǒu)办法将医疗保健与机器學(xué)习结合起来,提供不仅仅更**而且更主动的服務(wù)?能(néng)否削减成本、增强医保水平?它能(néng)帮助医保机构优化客户服務(wù)吗?而不仅仅依靠简单的指标?例如医疗技术平台Accolade公司在做这样一件事情:Accolade的Maya智能(néng)引擎将ML和AI结合,利用(yòng)公司的医疗技术和服務(wù)平台,為(wèi)企业雇主、医疗机构和卫生系统提供“专业健康助手”服務(wù)。该公司致力于提供“*具个性化的医疗體(tǐ)验”,但似乎也通过应用(yòng)数据科(kē)學(xué)来帮助保险公司更好地帮助他(tā)们的客户。
既然人工智能(néng)这么火,為(wèi)什么不加快布局保险业实际应用(yòng)呢(ne)?
目前保险领域对于人工智能(néng)的探索,还面临一些障碍,尤其是数据孤岛的问题:首先,健康险相关的健康数据、医疗数据都留存在医疗體(tǐ)系内,少量积累在商(shāng)业體(tǐ)检公司,共享和流转困难,很(hěn)难系统地為(wèi)健康保险所用(yòng);其次,保险行业同业数据交换低效,一个客户在不同保险公司投保信息,虽然在同业之间有(yǒu)部分(fēn)交互,但是基本都是人工进行的,数据量无法满足智能(néng)學(xué)习场景。而人才缺失是行业面临的另一个痛点。人工智能(néng)作為(wèi)一个新(xīn)领域,其本身就是多(duō)种专业技术的复合领域,难度很(hěn)高,专业人才很(hěn)少,且三分(fēn)之一在美國(guó),懂保险和人工智能(néng)的复合型人才就更稀缺了。此外,林洪祥认為(wèi),保险行业还面临本身的IT基础普遍薄弱、投入不足的情况,整體(tǐ)缺少長(cháng)期演进规划。“特别是对那些连信息系统建设都勉勉强强的公司而言,在这个时候谈人工智能(néng),那无异于浮沙筑高楼。”健康相关数据积累刚刚起步,要实现智能(néng)化的风险控制,还有(yǒu)很(hěn)長(cháng)的路要走。
中國(guó)互联网保险创新(xīn)峰会(CIIS2019)将会聚焦互联网保险人工智能(néng)以及大数据在实际业務(wù)操作中的落地与应用(yòng),更多(duō)资讯,请进一步关注我们,稍后将為(wèi)您带来更多(duō)有(yǒu)价值的信息。
From :businessinsuranceU.S. commercial property/casualty rates rose 5% on average in the fourth quarter of 2019, up from 4% in the third quarter, reflecting insurers’ intent to continue to increase prices across most lines, online insurance exchange MarketScout Corp. said Monday.“Auto rate increases have been up all year long; however D&O (directors & officers) and professional rate increases have spiked significantly in the fourth quarter,” Richard Kerr, CEO of MarketScout Corp. said in a statement.Insurers are carefully analyzing their property exposures using catastrophe modeling tools, he said. “We expect many of the major property catastrophe insurers to curtail their 2020 writings in California brush and East and Gulf Coast wind areas. Naturally, this will result in higher rates to insureds,” Mr. Kerr said.D&O liability rates increased by 8.25%, while commercial auto increased 8% in the quarter, and professional liability rates were up 6%, and umbrella/excess rates were up 5.5%, according to MarketScout.Commercial property rates increased 5.25% in the quarter, and business interruption rates were up 5%, while all other lines showed smaller increases, except for workers compensation, where rates fell 1%, MarketScout said.By industry class, transportation and habitational saw the highest average rate increases at 9% and 8.25% respectively, MarketScout said.Large accounts – those with $250,001 to $1 million in premium – saw a rate hike of 5.5% in the fourth quarter, as did jumbo accounts, which have more than $1 million in premium. Small accounts – those with up to $25,000 in premium – were up 5%, while medium accounts – those with $25,001 to $250,000 in premium – were up 4.5%.The “steady trend” of upward rates reflects insurers’ plans to continue increasing prices across all lines except for workers compensation, MarketScout said.Organizer:China Insurance Digital & AI Development 2020Web:http://en.zenseegroup.com/p/560573/Contact:Ann 021-65650305
From :insurancejournalIt was a relatively quiet year for the Southeast in terms of major catastrophes compared with 2018 when Hurricane’s Michael and Florence caused major damage in the region. This year, Hurricane Dorian sideswiped the Southeast coast and made landfall on the Outer Banks of North Carolina but most of the area was spared. Still, Aon said economic damage in the U.S. and Canada was poised to approach a combined $1.5 billion.Florida spent the year recovering from Hurricane Michael, which was upgraded to a Category 5 storm by NOAA in April. Florida officials have repeatedly called on the insurance industry to speed up the recovery process, with nearly 12% of claims still open a year after the storm hit.Organizer:China Insurance Digital & AI Development 2020Web:http://en.zenseegroup.com/p/560573/Contact:Ann 021-65650305
From:businessinsuranceeinsurance renewals at Jan. 1, 2020, mainly saw single-digit increases, with some exceptions, according to reports by reinsurance brokers released Thursday.Willis Re, the reinsurance brokerage of Willis Towers Watson PLC, and Guy Carpenter & Co. LLC, a unit of Marsh & McLennan Cos. Inc. both reported that year-end reinsurance renewals varied by account and region, but the retrocessional reinsurance was under pressure.Rates on line for property catastrophe reinsurance programs remained stable and property per risk pricing was driven by individual program performance, the Willis report said.Although some Lloyd’s of London syndicates took firm positions on rate increases and the London market authorized capacity decreased, that capactiy was replaced by new capital and a strong supply from other markets, Willis Re said.U.S. loss-free accounts renewed at flat to up 10% while those with losses saw increases of 10% to 50%, the Willis Re report said, which was among the largest increases. Property catastrophe accounts without losses renewed at flat to up 5%, while loss hit accounts were up 10% to 20%, Willis Re said.According to the Guy Carpenter report, the brokerage’s global property catastrophe rate on line index rose 5% in 2019.According to the Willis Re report, other large increases were seen in Central and Eastern Europe, where property programs with losses saw increases of 5% to 20%, and Canada, where such accounts renewed up 10% to 40%.Most other regions and countries saw property increases in the single or low double digits, the report said.The Jan. 1 renewals saw some “difficult” negotiations, according to a letter in the report from James Kent, global CEO, Willis Re.The Guy Carpenter report said the reinsurance market was “asymmetrical,” adding “this is certainly not a one-size-fits-all market” and while overall capacity remained adequate, “allocated capacity tightened notably in stressed classes.”Dedicated reinsurance capital rose 2% in 2019 and the year saw approximately $60 billion in global insured catastrophe losses, according to Guy Carpenter, which was significantly lower than 2017 and 2018.Alternative capital, however, contracted by approximately 7% percent “as investors were more cautious with new investments after assessing market dynamics and pricing adequacy,” Guy Carpenter said.The retrocession market “was challenged … by trapped capital, a lack of new capital and continued redemptions from third-party capital providers,” a statement issued with the Guy Carpenter report said.However, significant retrocession providers returned to the market in the past two weeks, Willis Re said.Organizer:China Insurance Digital & AI Development 2020Web:http://en.zenseegroup.com/p/560573/Contact:Ann 021-65650305
Major information technology companies in India are running the risk of termination of their $1 billion contracts following Boeing Co.’s decision to halt the production of its 737 Max jets, MoneyControl reported citing the Business Standard. Companies like Tata Consultancy Services Ltd., Infosys Ltd., HCL Technologies Ltd., Cyient Ltd. and L&T Technology Services Ltd. have outsourcing contracts with Boeing or its suppliers and Boeing’s jet crisis is expected to affect these IT companies in the short run.From:businessinsuranceOrganizer:China Insurance Digital & AI Development 2020Web:http://en.zenseegroup.com/p/560573/Contact:Ann 021-65650305
France-based eyewear maker Essilor International S.A. has discovered fraudulent activities at one of its factories in Thailand that could cause €190 million ($213 million) in financial losses to the company, The Irish Times reported citing Reuters. The company has filed complaints in Thailand and has fired all the involved employees. It hopes to recover the losses from frozen bank accounts, insurance and lawsuits.Organizer:China Insurance Digital & AI Development 2020Web:http://en.zenseegroup.com/p/560573/Contact:Ann 021-65650305