Wavestone：2026保险业中的人工智能：从愿景到实效研究报告（英文版）（17页）.pdf

1、Generative AI in insurance:From promise to performanceFebruary 2026Executive summary2.5xfaster and more costfaster and more cost-efficient thanks to an efficient thanks to an industrialized AI foundationindustrialized AI foundationInsurers that have structured a robust technological infrastructure d

2、eploy their use cases 2.5 times faster and at a lower cost(2.5).Industrializing this foundation becomes a key lever for scaling up.21%productivity gains across productivity gains across the value chainthe value chainGenerative AI enables the optimization of multiple business processes and support fu

3、nctions.Pioneer insurers are seeing tangible benefits,particularly in operations,management,and customer relations.20%of insurers include HR and of insurers include HR and Finance to translate gains Finance to translate gains into measurable impactinto measurable impactDespite significant operationa

4、l gains,few insurers are integrating Finance and HR functions into the approach.A Strategic Workforce Planning framework remains essential to convert these gains into budgetary levers.25%of Generative AI use cases of Generative AI use cases actually scaleactually scaleOut of more than 1,500 use case

5、s identified,the majority remain at the experimental stage.An industrial organization is necessary to move beyond the POC and create a concrete and sustainable impact at scale.3/4insurers insurers already allocate a already allocate a dedicated budget to dedicated budget to Agentic technologyAgentic

6、 technologyAgentic technology marks a new era of automation.76%of insurers are already allocating a budget to this technology,anticipating rapid adoption to transform core business processes.IntroductionIndustrializationEmployee ImpactsTransformation&Agentic AIProductivityForewordFor the past three