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- 保險業AI 大(dà)盤點：這10家公司值得(de)關注
目前全世界共有2000多家人(rén)工(gōng)智能創業公司，涉及領域橫跨各行各業。尤其在保險業，人(rén)工(gōng)智能的崛起，讓這個古老的行業又一次煥發出了往日(rì)的活力。一方面，AI技術(shù)的預測分(fēn)析能力有可(kě)能會取代傳統精算師(shī)的職能，降低保險公司的成本以及幫助保險公司做出更加**的預測。另一方面，基于AI技術(shù)的自(zì)動駕駛汽車的出現，将對車險行業造成****的沖擊，未來(lái)的車險形态或将煥然一新。
本文整理(lǐ)了10家主打人(rén)工(gōng)智能的海外保險創業公司，希望能對大(dà)家了解全球範圍内人(rén)工(gōng)智能在保險領域的應用有所幫助。
Lemonade——家财險的極速體(tǐ)驗
Lemonade成立于2015年(nián)，總部坐落于紐約的他(tā)們已經獲得(de)了來(lái)自(zì)谷歌、安聯、紅(hóng)杉資本等企業共計(jì)6000萬美元的投資。
Lemonade通過移動端app爲消費者提供家财險服務，整個銷售過程都(dōu)是由其智能聊天機(jī)器人(rén)負責的，消費者可(kě)以體(tǐ)驗到全自(zì)動的保險購(gòu)買體(tǐ)驗。客戶僅需要花90秒就(jiù)可(kě)以完成投保，在理(lǐ)賠時，隻要花3分(fēn)鍾的時間就(jiù)可(kě)以獲得(de)理(lǐ)賠款。
Lemonade的家财險面向租客和屋主兩個群體(tǐ)，其月保費分(fēn)别是5美元和25美元起。優惠的價格以及極速的體(tǐ)驗讓Lemonade獲得(de)了紐約消費者的喜愛。據Lemonade透露的數據，他(tā)們的客戶都(dōu)是從(cóng)下圖所示的傳統保險公司中轉投而來(lái)。
Lemonade的人(rén)工(gōng)智能主要應用于智能客服機(jī)器人(rén)所負責的銷售和理(lǐ)賠環節。
延伸閱讀(dú)：Lemonade發布2016Q4數據：保費收入18萬美元，理(lǐ)賠案件(jiàn)6起
Captricity——數據賦能工(gōng)具
成立于2011年(nián)的Captricity，專注于爲保險公司提供數據服務，他(tā)們利用機(jī)器學習算法從(cóng)傳統的紙質保單文件(jiàn)中識别并提取信息，将信息轉換爲電子格式進行存儲。其數據轉換的準确率超過99.9%。
佛瑞斯特研究公司（Forrester）的分(fēn)析師(shī)Ellen Carney對Captricity如(rú)此評價道：
“通過和Captricity的合作，紐約人(rén)壽保險公司得(de)以将五十多萬份商業險投保申請(qǐng)書(shū)的數據數字化，從(cóng)而加快(kuài)了核保承保的速度。此外，Captricity還(hái)通過提取過去(qù)10年(nián)間所有死亡證明書(shū)中的死因數據，幫助保險公司改善其壽險的精算模型。Captricity的數據服務爲保險公司節省下了50%的人(rén)工(gōng)支出。”
Captricity和他(tā)的數據服務大(dà)大(dà)提高了保險公司産品的**度，因此目前有半數的美國大(dà)型保險公司都(dōu)在使用Captricity的服務。
Cyence——量化網絡風(fēng)險
成立于2014年(nián)的矽谷創業公司Cyence目前已經獲得(de)了4000萬美元的融資。他(tā)們開發的分(fēn)析平台可(kě)以量化網絡風(fēng)險可(kě)能給企業帶來(lái)的潛在經濟損失。
随着互聯網深入各行各業，網絡安全已經成爲所有企業面臨的*大(dà)的運營風(fēng)險之一。一個黑(hēi)客所竊取的信息，對于某企業來(lái)說(shuō)可(kě)能就(jiù)價值數十億美元。作爲保險公司，如(rú)果你(nǐ)沒有一個量化這種網絡風(fēng)險的方法，又能如(rú)何爲那些企業提供保險方案呢(ne)？
Cyence打造的正是保險業内第一家利用數據和概率來(lái)分(fēn)析和量化網絡風(fēng)險的平台。他(tā)們利用機(jī)器學習算法對大(dà)量的數據和信息進行整合分(fēn)析，并模拟網絡風(fēng)險的沖擊，從(cóng)而估算出企業所面臨的潛在經濟損失。
Zendrive——保險公司的移動監視器
你(nǐ)知道嗎(ma)？在美國，平均每四起車禍事(shì)故中，就(jiù)有一起是因爲開車看(kàn)手機(jī)導緻的。成立于2013年(nián)的Zendrive已經獲得(de)了2000萬美元的融資，爲了改善司機(jī)習慣，他(tā)們開發了一款移動端app，利用智能手機(jī)的傳感器對司機(jī)的駕駛行爲進行記錄和評分(fēn)。
保險公司和Zendrive合作，對安裝了該應用并且行爲記錄良好的司機(jī)用戶提供高達25%的保費優惠折扣。
Zendrive曾對300萬名美國司機(jī)做過爲期3個月的調查報告，調查範圍涉及5.7億次出行，累計(jì)裡(lǐ)程達56億英裡(lǐ)。調查結果顯示，司機(jī)在駕駛過程中使用手機(jī)的頻率高達88%。下圖顯示了美國各州平均每人(rén)每次出行使用手機(jī)的頻率。
可(kě)見(jiàn)目前司機(jī)的駕駛習慣依然存在很大(dà)的問(wèn)題，可(kě)供Zendrive改善的空間還(hái)很大(dà)。
Cape Analytics——房(fáng)屋勘測輔助服務
Cape Analytics于2014年(nián)在矽谷成立，已經獲得(de)1400萬美元融資的他(tā)們将機(jī)器學習技術(shù)和計(jì)算機(jī)視覺以及空間圖像技術(shù)相(xiàng)結合，爲财産險公司提供房(fáng)屋勘測服務，比如(rú)分(fēn)析房(fáng)屋屋頂的構造、材料和狀況。
保險公司可(kě)以接入Cape Analytics的API，利用他(tā)們的圖像和數據，對投保的房(fáng)屋進行快(kuài)速審核，從(cóng)而加快(kuài)核保承保流程，并且提升保險方案定價的準确度。住戶屋頂的太陽能闆、天窗(chuāng)以及煙囪都(dōu)會影(yǐng)響保險公司的定價，而這些數據都(dōu)可(kě)以在Cape Analytics的系統中查到。
Tractable——車險理(lǐ)賠管理(lǐ)
成立于2012年(nián)的倫敦創業公司Tractable目前獲得(de)了990萬美元的融資，他(tā)們研發的深度學習算法可(kě)以對車險理(lǐ)賠案件(jiàn)的損失進行估算。通過收集和學習成千上萬起車禍理(lǐ)賠案件(jiàn)，Tractable的AI系統能夠根據上傳的受損車輛(liàng)照(zhào)片**地判斷出維修費用，跟螞蟻金服此前推出的“定損寶”類似。
Risk Genius——智能比價
Risk Genius平台由創業團隊ClaimKit于2011年(nián)開發。該團隊的第一款産品名爲Privity，爲客戶提供理(lǐ)賠檔案管理(lǐ)服務。
Risk Genius平台利用機(jī)器學習技術(shù)将來(lái)自(zì)各公司的保險産品進行分(fēn)解對比。傳統的比價網站(zhàn)隻是将同類保險産品列出，由客戶自(zì)行閱讀(dú)選擇。而Risk Genius則能根據客戶預先設定的條件(jiàn)，對同類保險産品做出分(fēn)析評價，節省了客戶大(dà)量閱讀(dú)保單條款的時間，提高了客戶的選擇效率。
Shift Technology——杜絕騙保行爲
成立于2013年(nián)的巴黎創業公司Shift Technology目前獲得(de)了1180萬美元的融資。他(tā)們利用大(dà)數據和機(jī)器學習算法開發了服務于保險公司的騙保欺詐行爲偵測平台。
據估算，在歐洲，騙保行爲給保險公司帶來(lái)的損失大(dà)約占保險公司理(lǐ)賠總支出的10%。如(rú)今，Shift Technology的系統已經處理(lǐ)了超過7800萬起理(lǐ)賠案件(jiàn)，并且偵測出了大(dà)量潛在的有騙保嫌疑的案件(jiàn)。據透露，Shift目前的騙保案件(jiàn)偵測準确率達75%，随着AI系統積累越來(lái)越多的數據，其準确率還(hái)将進一步提升。
RightIndem——投保人(rén)的自(zì)助理(lǐ)賠工(gōng)具
成立于2016年(nián)的英國創業公司RightIndem目前已經獲得(de)了100萬美元的融資。他(tā)們開發的app将理(lǐ)賠流程的主導權交到了客戶的手中，客戶可(kě)以控制理(lǐ)賠的每一個環節。整個理(lǐ)賠流程的效率因此提高，客戶的滿意度也随之提升。
RightIndem的app覆蓋事(shì)故通知（損失評估和損失通知）、核心理(lǐ)賠數據（總損失、修複費用以及智能修複）以及理(lǐ)賠結算（款項支付和破損零部件(jiàn)替換）三個環節。
Lapetus——基于面部識别
成立于2014年(nián)的美國創業公司Lapetus Solutions利用機(jī)器學習算法來(lái)分(fēn)析理(lǐ)解人(rén)類面部所隐含的健康信息。該公司的平台Chronos通過分(fēn)析用戶的面部照(zhào)片，以及輔以人(rén)工(gōng)統計(jì)數據，可(kě)以爲用戶提供關于身(shēn)體(tǐ)健康信息的預測性分(fēn)析。壽險公司可(kě)以據此對客戶進行更加準确的定價。
(轉載自(zì)搜狐财經)
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
