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保险业AI 大盘点:这10家公司值得关注
2019-01-12

目前全世界共有2000多家人工智能创业公司,涉及领域横跨各行各业。尤其在保险业,人工智能的崛起,让这个古老的行业又一次焕发出了往日的活力。一方面,AI技术的预测分析能力有可能会取代传统精算师的职能,降低保险公司的成本以及帮助保险公司做出更加**的预测。另一方面,基于AI技术的自动驾驶汽车的出现,将对车险行业造成****的冲击,未来的车险形态或将焕然一新。

本文整理了10家主打人工智能的海外保险创业公司,希望能对大家了解全球范围内人工智能在保险领域的应用有所帮助。

Lemonade——家财险的极速体验

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Lemonade成立于2015年,总部坐落于纽约的他们已经获得了来自谷歌、安联、红杉资本等企业共计6000万美元的投资。

Lemonade通过移动端app为消费者提供家财险服务,整个销售过程都是由其智能聊天机器人负责的,消费者可以体验到全自动的保险购买体验。客户仅需要花90秒就可以完成投保,在理赔时,只要花3分钟的时间就可以获得理赔款。

Lemonade的家财险面向租客和屋主两个群体,其月保费分别是5美元和25美元起。优惠的价格以及极速的体验让Lemonade获得了纽约消费者的喜爱。据Lemonade透露的数据,他们的客户都是从下图所示的传统保险公司中转投而来。

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Lemonade的人工智能主要应用于智能客服机器人所负责的销售和理赔环节。

延伸阅读:Lemonade发布2016Q4数据:保费收入18万美元,理赔案件6起

Captricity——数据赋能工具

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成立于2011年的Captricity,专注于为保险公司提供数据服务,他们利用机器学习算法从传统的纸质保单文件中识别并提取信息,将信息转换为电子格式进行存储。其数据转换的准确率超过99.9%。

佛瑞斯特研究公司(Forrester)的分析师Ellen Carney对Captricity如此评价道:

通过和Captricity的合作,纽约人寿保险公司得以将五十多万份商业险投保申请书的数据数字化,从而加快了核保承保的速度。此外,Captricity还通过提取过去10年间所有死亡证明书中的死因数据,帮助保险公司改善其寿险的精算模型。Captricity的数据服务为保险公司节省下了50%的人工支出。”

Captricity和他的数据服务大大提高了保险公司产品的**度,因此目前有半数的美国大型保险公司都在使用Captricity的服务。

Cyence——量化网络风险

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成立于2014年的硅谷创业公司Cyence目前已经获得了4000万美元的融资。他们开发的分析平台可以量化网络风险可能给企业带来的潜在经济损失。

随着互联网深入各行各业,网络安全已经成为所有企业面临的*大的运营风险之一。一个黑客所窃取的信息,对于某企业来说可能就价值数十亿美元。作为保险公司,如果你没有一个量化这种网络风险的方法,又能如何为那些企业提供保险方案呢?

Cyence打造的正是保险业内第一家利用数据和概率来分析和量化网络风险的平台。他们利用机器学习算法对大量的数据和信息进行整合分析,并模拟网络风险的冲击,从而估算出企业所面临的潜在经济损失。

Zendrive——保险公司的移动监视器

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你知道吗?在美国,平均每四起车祸事故中,就有一起是因为开车看手机导致的。成立于2013年的Zendrive已经获得了2000万美元的融资,为了改善司机习惯,他们开发了一款移动端app,利用智能手机的传感器对司机的驾驶行为进行记录和评分。

保险公司和Zendrive合作,对安装了该应用并且行为记录良好的司机用户提供高达25%的保费优惠折扣。

Zendrive曾对300万名美国司机做过为期3个月的调查报告,调查范围涉及5.7亿次出行,累计里程达56亿英里。调查结果显示,司机在驾驶过程中使用手机的频率高达88%。下图显示了美国各州平均每人每次出行使用手机的频率。

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可见目前司机的驾驶习惯依然存在很大的问题,可供Zendrive改善的空间还很大。

Cape Analytics——房屋勘测辅助服务

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Cape Analytics于2014年在硅谷成立,已经获得1400万美元融资的他们将机器学习技术和计算机视觉以及空间图像技术相结合,为财产险公司提供房屋勘测服务,比如分析房屋屋顶的构造、材料和状况。

保险公司可以接入Cape Analytics的API,利用他们的图像和数据,对投保的房屋进行快速审核,从而加快核保承保流程,并且提升保险方案定价的准确度。住户屋顶的太阳能板、天窗以及烟囱都会影响保险公司的定价,而这些数据都可以在Cape Analytics的系统中查到。

Tractable——车险理赔管理

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成立于2012年的伦敦创业公司Tractable目前获得了990万美元的融资,他们研发的深度学习算法可以对车险理赔案件的损失进行估算。通过收集和学习成千上万起车祸理赔案件,Tractable的AI系统能够根据上传的受损车辆照片**地判断出维修费用,跟蚂蚁金服此前推出的“定损宝”类似。

Risk Genius——智能比价

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Risk Genius平台由创业团队ClaimKit于2011年开发。该团队的第一款产品名为Privity,为客户提供理赔档案管理服务。

Risk Genius平台利用机器学习技术将来自各公司的保险产品进行分解对比。传统的比价网站只是将同类保险产品列出,由客户自行阅读选择。而Risk Genius则能根据客户预先设定的条件,对同类保险产品做出分析评价,节省了客户大量阅读保单条款的时间,提高了客户的选择效率。

Shift Technology——杜绝骗保行为

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成立于2013年的巴黎创业公司Shift Technology目前获得了1180万美元的融资。他们利用大数据和机器学习算法开发了服务于保险公司的骗保欺诈行为侦测平台。

据估算,在欧洲,骗保行为给保险公司带来的损失大约占保险公司理赔总支出的10%。如今,Shift Technology的系统已经处理了超过7800万起理赔案件,并且侦测出了大量潜在的有骗保嫌疑的案件。据透露,Shift目前的骗保案件侦测准确率达75%,随着AI系统积累越来越多的数据,其准确率还将进一步提升。

RightIndem——投保人的自助理赔工具

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成立于2016年的英国创业公司RightIndem目前已经获得了100万美元的融资。他们开发的app将理赔流程的主导权交到了客户的手中,客户可以控制理赔的每一个环节。整个理赔流程的效率因此提高,客户的满意度也随之提升。

RightIndem的app覆盖事故通知(损失评估和损失通知)、核心理赔数据(总损失、修复费用以及智能修复)以及理赔结算(款项支付和破损零部件替换)三个环节。

Lapetus——基于面部识别

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成立于2014年的美国创业公司Lapetus Solutions利用机器学习算法来分析理解人类面部所隐含的健康信息。该公司的平台Chronos通过分析用户的面部照片,以及辅以人工统计数据,可以为用户提供关于身体健康信息的预测性分析。寿险公司可以据此对客户进行更加准确的定价。

(转载自搜狐财经) 


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