埃森哲：利用人工智能变革索赔和承保处理方式（英文版）（12页）.pdf

1、Improving the insurance experienceWhy AI in Insurance Claims and Underwriting?IntroductionWith todays rapidly maturing technologies and the ability to tap into ever-increasing data,AI has emerged as the transformative technology and critical differentiator in the insurance industry,especially when a

2、pplied in tandem with humans.To further identify opportunities around AI for insurers,Accenture conducted research to better understand both how insurance customers and employees can benefit from the maturity of AI in Claims and Underwriting.Why AI in Insurance Claims and Underwriting?2Survey method

3、ologyWe conducted surveys to gain 3 perspectives on insurance industry pain points and opportunities to improve through use of AI:6,784 home and auto insurance customers,across 25 countries,who havemade a claim in the past 2 years.128 insurance claims executives in 13 countries.434US-based underwrit

4、ers from entry-level to executive/senior management,including members of The Institutes supplemented with a sample list from Risk&Insurance Group.Unless otherwise cited,all data are from primary research conducted by Accenture.These surveys,in conjunction with market trends,point to three areas carr

5、iers should consider as they take their next steps in the AI journey.AI is transformative in the enablement of improved customer interactions,increased efficiency/automation,and decision effectiveness.AI must be applied responsibly and in tandem with humans to meet ethical guidelines,affirm regulato

6、ry decisions,and enable the insurance workforce of the future.As the economics around AI improve,the value delivered through AI solutions indicate that now is the time to invest in AI-led transformation.In this report,we explore these considerations in detail and reveal why AI is the transformative