หลายคนอาจจะรู้สึกว่าการซื้อประกันเป็นเรื่องยากและวุ่นวาย แต่ต้องซื้อๆ ไปเพราะเขาบังคับ โดยเฉพาะผลิตภัณฑ์ประกันรถยนต์ ที่ต้องต่อประกันทุกๆ ปี ปัจจุบันมีหลายบริษัทที่เห็นช่องว่างความวุ่นวายนี้จึงใช้เทคโนโลยีล้ำๆ มาช่วยสร้างความสะดวกสบายให้กับผู้ซื้อประกัน
วงการประกันภัยในไทย เรายังมีช่องว่างในการใช้เทคโนโลยีมาพัฒนาอยู่ ธุรกรรมด้านประกันภัยก็เช่นกัน หลายๆ ครั้งที่เราต้องโดนเจ้าหน้าที่ขายประกันโทรมาเซ้าซี้ กว่าจะคุยกับพนักงานขายเข้าใจ ไหนจะโดนทวงเอกสาร นัดเวลาถ่ายรูปรถยนต์ ตรวจสุขภาพ เดินเอกสาร จ่ายเงิน กว่าจะคุ้มครอง หรือบางครั้งก็มีข้อมูลมากมายก่ายกองจนเลือกซื้อไม่ถูก ซื้อมาก็ไม่เหมาะกับสิ่งที่เราอยากได้ Insurtech Startup เห็นช่องว่างในความเชื่องช้าเช่นนี้ที่สามารถนำเทคโนโลยีมาช่วงให้ทุกอย่างเร็วขึ้น ง่ายขึ้นได้ และเหมาะกับสิ่งที่คุณอยากได้มากขึ้น อธิบายอย่างเดียวหลายคนอาจจะไม่เห็นภาพ เรามายกตัวอย่างกันดีกว่า Insurtech Startup มาแรงจากฝั่งอเมริกา ชื่อว่า Lemonade ใช้ปัญญาประดิษฐ์ หรือ AI (Artificial Intelligence) ผ่าน Chatbot ชื่อว่า “Jim” ในการให้บริการลูกค้า ลูกค้าไม่จำเป็นต้องติดต่อผ่านพนักงานแล้ว ผลงานล่าสุดของ Jim คือ Jim ช่วยลูกค้าเคลมค่าเสียหาย ตั้งแต่การแจ้งเคลมจนถึงการโอนเงินเงินชดเชยเข้าบัญชี โดย Jim ใช้เวลาทั้งหมด 3 วินาที!ส่วนในประเทศไทย ถึงแม้เราจะยังไม่มี AI เจ๋งๆ อย่าง Jim แต่บ้านเราก็มีน้อง “ใจดี” ที่จะมาช่วยทำให้การซื้อประกันรถยนต์ของคุณง่ายขึ้น เหมาะกับสิ่งที่ต้องการ เข้าใจง่ายมาก แล้วคุณจะสามารถซื้อประกันได้ภายใน 60 วินาทีเท่านั้น!
Insurtech หรือกิจกรรมเกี่ยวกับการซื้อขายประกันออนไลน์ตอนนี้อาจจะดูไม่น่าสนใจเท่าไหร่ หรืออาจจะดูไม่น่าเชื่อถือ แต่คุณลองนึกถึงสมัยที่คุณยังกล้าๆ กลัวๆ ที่จะโอนเงินผ่าน Mobile Banking หรือกลัวที่จะใส่เลขบัตรเครดิตเพื่อซื้อตั๋วเครื่องบิน สมัยก่อนก็ยังเป็นเรื่องไม่น่าวางใจ แต่เดี๋ยวนี้กลับกลายเป็นเรื่องปกติ ลองดูการเติบโตของ Insurtech ไว้นะครับว่าจะสามารถใช้เทคโนโลยีมาเปลี่ยนแปลงวงการประกัน เหมือนที่ Fintech กำลังเปลี่ยนแปลงให้วงการการเงินบ้านเราเป็นเรื่องง่ายหรือไม่ข้อมูลจาก ประกันภัยรถยนต์ที่รวดเร็ว เรียบง่าย และจริงใจกับคุณ The insurance industry has always dealt in data, but it hasn’t always been able to put that data to optimal use. Until now. With the rise of artificial intelligence, which analyzes and learns from massive sets of digital information culled from public and private sources, insurers are embracing the technology’s many facets — from machine learning and natural language processing to robotic process automation and audio/video analysis — to provide better products. AI helps the insurance industry put massive amounts of data to optimal use. Insurers are using artificial intelligence to craft individualized policies, automate underwriting processes and provide estimates with greater accuracy to customers all over the world. Customers, too, are benefitting from practices like comparative shopping, quick claims processing, around-the-clock service and improved decision management. To get a better sense of how AI impacts the insurance industry, check out these 25 AI insurance applications. AI Insurance Examples to KnowAI Insurance Companies
Founded: 1912 Location: Boston, Massachusetts Liberty Mutual explores AI through its initiative Solaria Labs, which experiments in areas like computer vision and natural language processing. Auto Damage Estimator is one result of these efforts. By conducting comparative analyses of anonymous claims photos, this AI tool is able to quickly assess vehicle damage and provide repair estimates post-accident.
Founded: 1980 Location: Chicago, Illinois CCC Intelligent Solutions digitizes and automates the entire claims process with artificial intelligence. Photos submitted from accident sites undergo analyses by AI technology and insurer-approved rules. Based on this data, CCC’s AI is able to assess damages and provide timely estimates for insurers to approve and send to their customers for confirmation. Founded: 2013 Location: Cambridge, Massachusetts Taking advantage of artificial intelligence, Insurify quickly matches customers with car and home insurance companies that fit their specific needs. The company relies on RateRank algorithms to determine policies that may be a good fit for each customer, depending on factors such as a person’s location and desired discount amount.
Founded: 2016 Location: Chicago, Illinois Clearcover uses artificial intelligence to insure users and quickly process claims. After filling out a basic questionnaire, Clearcover users can receive AI-generated quotes and choose the one that best fits their needs. And if users are ever involved in an accident, they need only to snap a few pictures and fill out a short form before ClearAI jumpstarts the claims process.
Founded: 2016 Location: Columbus, Ohio Bold Penguin allows insurance companies to quickly write policies that stand out in the industry with two AI-powered tools, SubmissionLink and ClauseLink. When carriers receive documents from agencies, SubmissionLink analyzes these materials and locates essential data points for underwriters. Meanwhile, ClauseLink reviews insurance clauses to help providers compare their policies to those of competitors Founded: 2015 Location: New York, New York Lemonade provides paperless — and personless — renters and homeowners insurance. Using chatbots and its AI assistant Maya, the company creates policies and handles user claims for both desktop and mobile. Plus, customers can choose which nonprofit organizations receive underwriting profits as part of the company’s annual “Giveback” initiative. Related Reading AI in Insurance: How Artificial Intelligence Is Shaking Up the Entire Industry Founded: 2011 Location: Chicago, Illinois Snapsheet digitizes the claims process with its AI tools and cloud-based claims management software. Snapsheet Cloud is an insurance platform that automates various parts of the claims process, reducing the time it takes to calculate appraisals and receive online payments. The company’s AI features also snuff out false claims, allowing insurance teams to operate with a higher degree of efficiency.
Founded: 2014 Location: Mountain View, California CAPE Analytics combines data science and computer vision to provide in-depth assessments of over 100 million properties. CAPE AIRE’s property analysis factors in a range of variables, such as how far structures are from bodies of water and highways. As a result, firms can make more informed decisions when underwriting insurance policies for, trading and investing in properties.
Founded: 2017 Location: Boston, Massachusetts Hi Marley uses an all-around cloud platform to make communication between customers and insurance providers more efficient. The Hi Marley Insurance Cloud comes equipped with AI features to ensure customer service reps operate as fast as possible. For example, Hi Marley’s platform translates text into different languages and delivers real-time coaching to improve interactions between reps and customers.
Founded: 2018 Location: Boston, Massachusetts Gradient AI aims to enhance every aspect of the insurance business with AI tools and machine learning models. For instance, the company’s AI can more accurately assess risks for underwriters, single out expensive claims that need attention and even provide automation services when needed. As a result, Gradient AI’s technology has streamlined insurance areas like business owners, commercial auto and group health.
Founded: 2016 Location: Fully Remote Yembo instills confidence into the underwriting and claims processes by using AI technology to conduct virtual surveys. After customers take pictures and short videos with their smartphones, Yembo’s AI blends deep learning and computer vision techniques to assess visuals and locate any potential risks. This way, insurance providers gain a better understanding of each property and determine what they can cover.
Founded: 2019 Location: New York, New York Nayya guides individuals and companies through health benefits with a selection process that runs on AI technology. Customers begin by completing a 10-minute survey that considers factors such as a person’s age, health history and what types of benefits they prefer. After filling out this information, Nayya’s platform then matches each individual or group with a benefits plan that best aligns with their circumstances.
Founded: 2009 Location: Burbank, California ZestFinance’s automated machine learning tools let lenders more effectively gauge risk and reach potential new customers by harnessing a wealth of traditional and non-traditional data, such as custom credit score models, to achieve better predictions. The ultimate goal is to help companies boost underwriting profits while diminishing risk.
Founded: 2016 Location: Denver, Colorado Flyreel is an AI underwriting solution for property insurance. With a conversational AI assistant, a proprietary computer vision system and detailed property reports, Flyreel’s platform speeds up the underwriting process. It also gives underwriters a holistic view into property, claims and risk management data that helps them deliver more accurate assessments.
Founded: 2016 Location: New York, New York INSHUR is a mobile-first way to purchase car insurance for TLC insurance (limo, taxi, rideshare drivers, etc.). Powered by AI, the INSHUR app lets professional drivers search a variety of quotes and purchase a policy that best fits their needs. Additionally, users can transfer existing policies, report claims and get real-time alerts.
Founded: 2005 Location: Washington, D.C. Afiniti improves the quality of customer conversations by matching callers with customer service reps based on best fit, rather than call order. With access to extensive data, the company’s AI technology determines patterns of human behavior and connects reps with callers based on these trends. Insurance companies then have the opportunity to form stronger bonds with customers through personalized pairings. Founded: 2016 Location: Phoenix, Arizona Insurmi enables insurance companies to deliver efficient and personalized customer service with an AI assistant named Violet. Natural language processing, machine learning and UI concepts allow Violet to adapt to conversations and handle customer service tasks for companies. In addition, Insurmi team members take care of the coding and deployment of this AI technology and provide 24/7 ongoing technical support to clients.
Founded: 2015 Location: Palo Alto, California One of driverless car company Nauto’s goals is to help commercial fleets avoid collisions by reducing distracted driving. The company’s AI-powered driver safety system — which boasts dual-facing cameras, computer vision and proprietary algorithms — assesses how drivers interact with vehicles and the road to pinpoint and prevent risky behavior in real time. Related Reading Insurance Companies Are Embracing AI, for Better and for Worse
Founded: 2012 Location: Mountain View, California H2O.ai helps insurance companies adopt AI with its automated machine learning platform. This tool makes it easier for teams to build applications and monitor services. As a result, insurance providers have relied on H2O.ai’s technology to assist with fraud detection, marketing, customer service, risk management and other areas.
Founded: 1931 Location: Northbrook, Illinois Allstate supports small business owners with ABIE (“Abbie”), an AI-powered tool that helps customers get answers to questions and locate critical documents via an onscreen avatar that can have naturalistic conversations with insurance agents. Through the use of contextual knowledge and intelligent content, ABIE is able to address what coverages work best for certain businesses, what incidents each coverage covers and more. Founded: 2014 Location: Wilmington, North Carolina Lapetus Solutions works with industries like life insurance and medical underwriting to improve the overall assessment process. By combining extensive data with sensory analytics and adaptive assessments, Lapetus Solutions empowers insurance companies to provide more accurate policies that are tailored to the unique needs of each individual.
Founded: 2010 Location: New York, New York WorkFusion takes piles of paperwork off the desks of insurance companies with its intelligent document processing technology. Blending AI and machine learning techniques, WorkFusion’s tools can learn how to analyze emails, PDFs, Excel files and other documents. The company also offers an AI digital worker, Ilana, to businesses that could use an insurance professional who specializes in underwriting services.
Founded: 2018 Location: Hartford, Connecticut Sproutt Insurance matches individuals with relevant life insurance plans using an AI-powered, 15-minute assessment, rather than having them take lengthy exams. Each customer takes Sproutt’s Quality of Life Index, which factors in variables such as lifestyle, emotional health and nutrition. With access to the latest medical research, Sproutt can then make recommendations on life insurance products that fit an individual’s unique situation.
Founded: 2013 Location: Austin, Texas Insurance companies can choose how they embrace AI solutions with CognitiveScale’s Cortex AI Platform. It facilitates the creation of AI applications, so clients can easily build models and apps that fit their specific business needs. Within the insurance industry, leaders are turning to CognitiveScale to guide conversations with chatbots, develop promising leads and detect fraudulent claims.
Founded: 2014 Location: Los Altos, California Avaamo is a conversational AI platform that streamlines processes for insurance providers. With AI and machine learning capabilities, the company’s platform can converse with customers in over 100 languages. Insurance providers with wide customer bases can then depend on Avaamo to reduce the time it takes to produce quotes, file claims and underwrite policies. |
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