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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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Gotham Therapeutics Establishes Advanced Oncology Profiling Cascade with ProQinase to Progress its Portfolio of Epitranscriptomic Drug CandidatesWEDNESDAY, OCTOBER 30, 2019Gotham Therapeutics, a biotechnology company developing a novel drug class targeting RNA-modifying proteins, and ProQinase, an early stage drug-discovery company, recently acquired by Malvern/PA-based Reaction Biology Corp., today announced that they have established an array of advanced biochemical and cellular assays to characterize epitranscriptomic-directed compounds.“Establishing tailored target engagement, cell biology, phenotypic, and in-vivo assays to evaluate compounds originating from our three most advanced epitranscriptomic programs in parallel is a crucial next step to develop our broad pipeline towards the clinic,” said Dr. Gerhard Müller, Chief Scientific Officer of Gotham Therapeutics. “By pursuing the full range of the reader-writer-eraser continuum, we are able to focus on targets with the most compelling links to disease and advance those programs in tandem.”“Combining our high proficiency in providing customized solutions as early stage drug-discovery services, including tailor-made biochemical and cell-based assays, with Gotham’s expertise in epitranscriptomics, we were able to establish in a very short time a set of customized enzymatic and cellular assays for compounds addressing three different mRNA-modifying targets,” said Dr. Sebastian Dempe, Chief Executive Officer of ProQinase. “We look forward to supporting Gotham as the company advances its programs into lead optimization and to continued work with the Gotham team assisting the company to advance its broad pipeline in a time-effective manner.”In addition to establishing a tailor-made profiling cascade for compounds from its three most advanced programs, Gotham has also made progress in strengthening its drug discovery engine and developing its candidate base. Gotham previously completed the gene-to-lead phase for its drug discovery project targeting the METTL3/METTL14 complex and established a robust discovery process as a platform for future projects. The company has also generated a library of high-quality compounds tailor-made for accelerated hit generation and hit-to-lead expansion against large parts of the epitranscriptomic target space. This library includes a collection of over 2,000 analogues covering over 80 distinct chemotypes that will be used to further accelerate Gotham’s drug discovery efforts as it expands its pipeline.The original link:https://www.pharmafocusasia.com/news/gotham-therapeutics-establishes-advanced-oncology-profiling-cascade-with-proqinase-to-progress-its-portfolio-of-epitranscriptomic-drug-candidates2019 Asia-pacific pharma IP Leader Summit: http://en.zenseegroup.com/p/510934/will be held in Beijing  on November 14-15, and will attract more than 500 industry experts from domestic and foreign pharmaceutical companies, biotechnology companies, governments, associations, law firms, intellectual property agents and other companies to attend.Official registration and consultation channels:Contact:AnnPhone: 021-65650305Email:Marketing@zenseegroup.comhttp://en.zenseegroup.com/p/510934

Gilead and Glympse Bio Announce Strategic Collaboration for Use of Biomarker Technology in NASH Clinical DevelopmentTUESDAY, OCTOBER 29, 2019Gilead Sciences Inc. and Glympse Bio, Inc., today announced that the companies have entered into a strategic collaboration in nonalcoholic steatohepatitis (NASH) clinical development. Glympse Bio’s proprietary synthetic biomarkers – bioengineered to identify stage and progression of disease as well as early detection of treatment response – will be used to determine clinical trial participants’ stage of disease at initial screening and to determine responses to study treatment in Gilead’s NASH clinical program.“We are excited about the opportunity to partner with Glympse Bio to help inform our NASH development program,” said Mani Subramanian, MD, PhD Senior Vice President, Liver Diseases, Gilead Sciences. “By utilizing this innovative technology, we hope to better characterize this complex disease and improve our understanding of how our compounds impact disease progression.”Glympse Bio’s proprietary technology, Glympse Inside™, combines synthetic biomarkers with machine learning approaches to identify the stage and monitor progression of important, complex diseases such as cancer, fibrosis, inflammation, and infections, in real time.“We are very excited about partnering with Gilead, a leader in drug development, to help drive earlier and more favorable outcomes for patients,” said Caroline J Loew, President and CEO, Glympse Bio. “Gilead’s commitment to developing innovative medicines in areas of high unmet medical need aligns with our mission of transforming disease detection and measuring treatment response, all with the goal of helping improve the lives of patients.”information source:pharma focus AsiaThe original link:https:https:https://www.pharmafocusasia.com/news/gilead-and-glympse-bio-announce-strategic-collaboration-for-use-of-biomarker-technology-in-nash-clinical-development2019 Asia-pacific pharma IP Leader Summit:http://en.zenseegroup.com/p/510934/ will be held in Beijing  on November 14-15, and will attract more than 500 industry experts from domestic and foreign pharmaceutical companies, biotechnology companies, governments, associations, law firms, intellectual property agents and other companies to attend.Official registration and consultation channels:Contact:AnnPhone: 021-65650305Email:Marketing@zenseegroup.comhttp://en.zenseegroup.com/p/510934

HistoIndex Announces Global Partnerships To Expand AI-Based Digital Pathology PlatformMONDAY, OCTOBER 28, 2019HistoIndex announces the expansion of its AI-based digital pathology platform towards large-scale NASH preclinical programs for pharmaceutical and biotech companies to achieve quantifiable and reproducible data on therapeutic responses in NASH animal models, and to aid CROs as well as research agencies in validating new models mimicking the NASH disease.Published preclinical studies have demonstrated the use of HistoIndex's fully quantifiable Second Harmonic Generation (SHG) technology as a highly accurate stain-free method that can monitor the efficacy of various therapeutic agents, by quantifying more than 450 NASH-associated parameters in fibrosis, inflammation, ballooning and steatosis. The information of these NASH-associated parameters gathered from the entire liver tissue, provides comprehensive insights on the mechanism of action of the therapeutic agent.  As a drug discovery tool, HistoIndex's SHG-enabled digital pathology platform will allow pharmaceutical and biotech companies to select promising lead candidates for further optimization and make informed decisions in the management of their NASH drug development pipeline.In addition to ongoing NASH clinical trials, HistoIndex is currently involved in multiple preclinical studies, most of which are conducted by major pharmaceutical and biotech companies, medical universities, CROs and research agencies. Notably, HistoIndex has recently entered into a collaboration with the A*STAR's Genome Institute of Singapore (GIS) to validate their in vivo and in vitro NASH models based on Asian-centric clinical data. Says Professor Patrick Tan, Executive Director of the Genome Institute of Singapore (GIS), "At GIS, we conduct our preclinical studies on fatty liver involving data from animal models based on patient-derived transcriptomic data. This has a high translational potential as it helps us to pinpoint new therapeutic targets and their validation. Therefore, using a fully quantitative, reliable and objective pathological evaluation such as HistoIndex's AI-based digital pathology platform is essential to the success of our efforts in therapeutic target discovery."HistoIndex is also a partner with globally-renowned CRO, WuXi Apptec, in advancing their NASH preclinical programs with advanced R&D and smart imaging analysis capabilities. Published study data will be available for discussions during networking opportunities throughout AASLD's The Liver Meeting® in November 2019.  "We are very excited to extend our AI-based SHG platform to preclinical studies to help companies with drug discovery programs select promising lead candidates for further optimization and subsequent clinical development," says Dr Poon Thong Yuen, Chief Executive Officer of HistoIndex. "Our SHG image analysis platform has already been used to analyze the efficacy of a series of promising drug candidates for NASH within various animal models commonly-used by the industry, and we believe these preclinical partnerships will help drive the adoption of our platform significantly."information source:pharma focus AsiaThe original link:https:https://www.pharmafocusasia.com/news/histoindex-announces-global-partnerships-to-expand-ai-based-digital-pathology-platform2019 Asia-pacific pharma IP Leader Summit: http://en.zenseegroup.com/p/510934/will be held in Beijing  on November 14-15, and will attract more than 500 industry experts from domestic and foreign pharmaceutical companies, biotechnology companies, governments, associations, law firms, intellectual property agents and other companies to attend.Official registration and consultation channels:Contact:AnnPhone: 021-65650305Email:Marketing@zenseegroup.comhttp://en.zenseegroup.com/p/510934

AVROBIO Receives Orphan-Drug Designation from the U.S. FDA for AVR‑RD‑02 for the Treatment of Gaucher DiseaseFRIDAY, OCTOBER 25, 2019AVROBIO, Inc., today announced that the U.S. Food and Drug Administration (FDA) has granted orphan-drug designation for the Company’s investigational gene therapy, AVR-RD-02, for the treatment of Gaucher disease. AVR-RD-02 consists of the patient’s own hematopoietic stem cells, genetically modified to express glucocerebrosidase (GCase), the enzyme that is deficient in Gaucher disease. The Company is actively recruiting in Canada for its Phase 1/2 clinical trial of AVR-RD-02, which seeks to evaluate the safety and efficacy of the therapy in patients with Type 1 Gaucher disease.“Under the existing standard of care, patients with Gaucher disease are bound to a lifelong infusion schedule of enzyme replacement therapies, and still experience painful and progressive symptoms such as debilitating musculoskeletal pain and fatigue,” said Birgitte Volck, MD, PhD, President of Research and Development at AVROBIO. “Orphan-drug designation recognizes the unmet need of populations with rare diseases like Gaucher where AVROBIO strives to transform lives by addressing the underlying cause of the disease with a single dose of gene therapy.”Orphan-drug designation is granted by the FDA to drugs and biologics which are intended for the safe and effective treatment, diagnosis or prevention of rare diseases or conditions that affect fewer than 200,000 people in the United States. Orphan-drug designation provides certain incentives, which may include tax credits towards the cost of clinical trials and prescription drug user fee waivers.information source:pharma focus AsiaThe original link:https:https://www.pharmafocusasia.com/news/avrobio-receives-orphan-drug-designation-from-the-us-fda-for-avrrd02-for-the-treatment-of-gaucher-disease2019 Asia-pacific pharma IP Leader Summit: http://en.zenseegroup.com/p/510934/will be held in Beijing  on November 14-15, and will attract more than 500 industry experts from domestic and foreign pharmaceutical companies, biotechnology companies, governments, associations, law firms, intellectual property agents and other companies to attend.Official registration and consultation channels:Contact:AnnPhone: 021-65650305Email:Marketing@zenseegroup.comhttp://en.zenseegroup.com/p/510934

FRIDAY, OCTOBER 25, 2019AZTherapies, Inc., a biopharmaceutical company developing therapeutics to extend brain health, today announced the acquisition of Smith Therapeutics, a private biopharmaceutical company with a shared goal of targeting neuroinflammation to treat neurodegenerative disease. Smith Therapeutics’ Founder and Chief Executive Officer Philip Ashton-Rickardt, Ph.D., has joined the senior leadership team at AZTherapies as Senior Vice President of Immunology. Financial terms of the acquisition were not disclosed.Smith Therapeutics’ proprietary research platform focuses on the use of modified T cells to restore a healthy balance of inflammatory and regulatory cells in the brain. To date, Smith has successfully engineered immunosuppressive T regulatory (Treg) cells with Chimeric Antigen Receptors (CARs) targeting brain glial cells. Previous research has demonstrated the ability of Tregs to dampen microglial activity and reduce neuroinflammation in models of neurodegeneration, suggesting their potential utility in the treatment of diseases including Progressive Supranuclear Palsy (PSP), Alzheimer’s disease, Parkinson’s disease, Huntington’s disease, Amyotrophic Lateral Sclerosis (ALS), and others.“This acquisition represents a meaningful step forward for us as we continue to strengthen our leadership position in the development of therapies targeting neuroinflammation to stop or slow the progression of neurodegenerative diseases,” said David R. Elmaleh, Ph.D., Founder, CEO, and Chairman of AZTherapies. “We are excited to be working with Philip as we add this cutting-edge technology to our portfolio of innovative programs. An esteemed immunologist and inventor of the technology, Philip brings unparalleled expertise to the company and we look forward to advancing this CAR-Treg program further into IND-enabling studies and into clinical development as rapidly as possible.”Dr. Ashton-Rickardt commented on the acquisition and his appointment: “Our shared rationale of targeting neuroinflammation as the root cause of neurodegenerative disease makes this acquisition a great strategic fit for us. With AZTherapies’ expertise in drug development and clinical trial execution, we believe that together, we are well positioned to advance our CAR-Treg technology and fundamentally change neurodegenerative disease progression.”Prior to launching Smith Therapeutics in 2017, Dr. Ashton-Rickardt was Chair in Immunology at Imperial College London, Visiting Professor, Brigham and Women’s Hospital, Harvard Medical School, and Associate Professor in the Department of Pathology at the University of Chicago. His work has been recognized by his peers through the award of tenure from The University of Chicago and by his fellow citizens as a recipient of the Early Career Award for Scientists and Engineers from President Bill Clinton. He has published more than 65 peer-reviewed papers in more than 30 academic journals (including Cell, Science, Immunity, and Nature Immunology), has served as an editor for several academic journals, and has been a member of grant review boards globally. Dr. Ashton-Rickardt received a B.Sc. in Biochemistry from the University of London, King’s College with honors, a Ph.D. in Molecular Biology from the University of Edinburgh, and completed post-doctoral work at the University of Edinburgh and the Massachusetts Institute of Technology in Molecular Biology and Molecular Immunology, respectively.information source:pharma focus AsiaThe original link:https:https://www.pharmafocusasia.com/news/aztherapies-strengthens-neuroinflammation-targeted-pipeline-through-acquisition-of-smith-therapeutics2019 Asia-pacific pharma IP Leader Summit: http://en.zenseegroup.com/p/510934/will be held in Beijing  on November 14-15, and will attract more than 500 industry experts from domestic and foreign pharmaceutical companies, biotechnology companies, governments, associations, law firms, intellectual property agents and other companies to attend.Official registration and consultation channels:Contact:AnnPhone: 021-65650305Email:Marketing@zenseegroup.comhttp://en.zenseegroup.com/p/510934

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