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互联网保险业前三季度保费同比翻倍
2019-01-12

近期,“双十一”消费保险出单量高达11.3亿单,与此同时,支付宝和信美互保推出“相互保”引爆重疾险需求。事实上,四大互联网保险公司实现增长超100%的成绩,业内人士表示,这离不开其对科技投入的加大。

数据显示,前三季度易安保险、众安保险、泰康在线、安心保险四大互联网保险公司,实现原保险保费收入64.64亿元,同比增长133.77%。

华泰证券*新发布的研报显示,截至2017年末,全国共有117家保险公司经营互联网保险,占保险公司总量的52.7%。

在业内人士看来,随着人工智能、云计算、大数据、区块链等新思维方式与技术不断向保险业渗透,互联网保险行业处在向更高质量发展的转型升级期,成本和风险管理正在重构,同时还创造了保险行业的增量市场。

据保监会统计,2017年互联网保险保费1835.29亿元,签单件数124.91亿件,增长102.60%;其中互联网渠道普通寿险原保险保费收入954.82亿元,同比增长达99.28%。

据悉,互联网保险公司保费出现大幅增长,一方面与互联网保险公司成立时间较短、保费基数较低有关;另一方面,也离不开这几家公司加大技术投入。

其中,众安在线(港股06060)作为首家互联网保险一直备受关注。资料显示,今年首10个月公司所获得的原保险保费收入总额90.83亿元人民币,同比增94.75%。同时其研发投入逐年增加,从2014年的2240万元上涨到2017年的5.18亿元;2018年上半年,众安的研发费用支出3.74亿元,几乎是去年同期的两倍。

据悉,在持续投入下,截至今年上半年,众安的工程师及技术人员占比54.5%,区块链团队的硕博比例达到50%以上。众安科技的专利申请已达到159项,软件著作权申请达到66项,并将这些技术深度应用于保险、金融、医疗、数字经济等行业,向普惠金融和健康医疗领域输出科技产品和行业解决方案。

众安科技CTO李雪峰表示:“科技公司的技术实力一定不是‘独轮车’,而是‘多轮车’前进,凭借科技的‘多轮车’,我们将助力技术从幕后走到台前,让技术的价值变成业务的驱动力,从用户、产品、场景、监管四个维度推动业务的进化。帮助实体经济降本增效、优化体验、延伸业务边界和提升流动性。”

此外,众安科技数据科学实验室总经理孙谷飞透露,众安科技未来将通过对内场景化、对外商业化的发展路径,不断开拓全新应用场景,打造众安AI开放平台,协助企业用户构建AI应用技术环境提供高可用的解决方案,构建面向未来的人工智能新生态。


来源:中国基金报

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