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科技赋能保险业—区块链助力互联网保险
2019-01-12

  保险行业的发展离不开科技的助力,本周将着重探讨如何运用区块链技术促进保险业发展。当前保险行业的痛点主要集中于安全性、信息不对称、效率低下。客户与保险公司之间的信任问题一直是制约保险行业发展的重要问题。客户信息容易被泄露,还有可能被篡改,赔付过程中可能存在重复交易或者可疑交易。客户利用信息不对称而存在骗保现象。传统保险赔付过程中有大量的人工操作环节,影响了赔付效率。

  区块链,不仅是一种技术,更是一种管理理念,核心是解决个体与集体利益的协调与管理,实现一种更加公正和**的管理,因此,其对人类社会发展与进步的意义重大,时间将证明这一点。

  保险是区块链技术应用的典型场景,能够有效解决保险经营过程中的“难点”和“痛点”,同时,能够催生出全新的商业模式。引入区块链技术之后,可以提升保险业务的安全性、缓解保险业务的信息不对称、基于智能合约有助于提升保险行业的效率。

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  例如保险的“**性难题”,即在保险经营过程中,面临的一个突出问题是保险欺诈,而保险欺诈往往都是在“保险标的”和“保险期限”的**性上做文章,从标的的**性看,不是“冒名顶替”,就是“张冠李戴”,这种情况*为突出的是养老保险的冒领问题。数据显示,仅是2013年,我国社保基金冒领人数达到35000人,冒领金额达到1.27亿元,为此社会还需要付出额外的大量的追讨成本。从时间**性看,就是“先出险,后投保”,而区块链技术为解决保险经营的“**性难题”提供了可能。

  现代保险的本质是一种互助制度,互助就是“一人为大家,大家为一人”,其核心是协调和处理个体与集体的关系,同时,信用是这种关系处理的基础。由此可见,保险与区块链之间有着一种“基因性”联系,因此,保险是区块链应用的典型场景。同时,面向未来,区块链将更加深刻和广泛地重构保险业。

  从区块链的特点,相互保险是一个典型的应用场景,传统的商业保险一般采取“前信任模式”,即客户先交保费,出险后按照条件进行赔付。而相互保险公司应采用的“后信任模式”,但这种“后信任模式”在实际工作中往往面临信用风险,难以逾越。利用区块链的“全网共识”机制和“不可抵赖”功能,结合互联网和大数据等技术,能够实现对信用的重构,构建一个可靠安全的信任体系,进而建立一个更加公平、透明、安全和**的互助机制,打造真正的相互保险2.0时代。面向未来,基于区块链等相关科技的有效运用,相互保险公司可能*终演进为“机器保险公司”。公司的运营,不再依赖第三方的存在,完全由系统自动完成,运营平台赋予每一个个体以“金融”属性,构成典型的“自保险”形态,从而开拓相互保险的全新时期,进入“自保险”时代。

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  国际上,全球首家P2P保险”平台Lemonade、基于以太坊的P2P失业保险平台Dynamis以及全球五大保险巨头联合发起的B3i平台。这家打出“全球首家P2P保险”的创业公司成立于2015年,位于纽约州。主要从事财产和意外伤害保险,通过区块链技术,信息不会丢失,公司选择用智能合约自动理赔,减少过程中的繁琐认证过程,*快可以三分钟获得赔付。目前Lemonade获得红杉资本有史以来*大规模种子轮融资,金额高达1300万美元,投资方还包括软银、Google Venture。

  我国保险业积极开展区块链技术应用,中国保险业对区块链技术的探索可以追溯至2016年,阳光保险、蚂蚁金服、人保财险、上海保险交易所、中国人寿等来自国有保险公司、大型商业保险公司,乃至年轻的小型保险公司,都陆续投入对区块链的研究。中国人保已经开展了保险营销和养殖保险等领域的应用,上海保交所开展了地震保险的“共保体 + 区块链”尝试,上海保监局利用区块链技术,开展再保险管理平台探索。面向未来,区块链的保险应用前景广阔。

  从应用落地的节奏来看,中美的商业保险公司、小型保险公司相较于大型国有保险企业,探索步伐来得更快。

  由硅谷洞察旗下硅谷洞察研究院发布《区块链中美发展白皮书》中提到金融保险领域的区块链创业公司数量和获得的融资额*多。硅谷洞察研究院对全球*权威的科技创新公司数据库Crunchbase的数据进行分析后发现,在数据库收录的与这五大行业相关的1416个区块链项目中,服务于金融保险行业的区块链初创项目为1223个,占总数的86.5%。而且在披露融资数据的371家区块链初创企业中,总融资额的96%是由金融保险领域的区块链创业公司获得。

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  区块链还能够为提供保险的运营效率,改善客户体验提出可能,区块链中有一项核心技术是智能合约,它能够大大提高保险合同执行的效率,特别是在理赔环节,通过智能合约技术,能够使保险理赔更加规范和刚性,提高客户体验水平。同时,区块链的分布式技术,能够保险理赔数据的交换提供更加便捷的方式,一方面是避免单证收集与交换的工作,另一方面也能够避免道德风险导致的骗赔。

  同时当前区块链技术落地保险业依然存在诸多难点,比如在技术层面存在扩展性问题、安全问题等,在非技术层面面临着对参与者总体管理能力、观念的挑战、对问责、责权分配的挑战、跟现有规则的冲突等一系列矛盾。

  如何更好的利用区块链技术解决当前保险行业的痛点,如何更好的让区块链技术落地保险业?启明星在线将在继续为您带来*新的资讯。

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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

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