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- 2025-06-03 发布于北京
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Intelligentinsurance
Ablueprintforcreatingvaluethrough
AI-driventransformation
KPMG.MaketheDifference.
/intelligentinsurance
KPMGInternational
16Firstphase:Enable
21Secondphase:Embed
26Thirdphase:Evolve
28Keyconsiderations
32Methodology
33KPMG:GuidingyourAItransformationwithexperienceandtrust
04Ataglance
05Introduction
08Researchfindings
11Buildingtheintelligentinsurer
Foreword
Contents
03
©2025CopyrightownedbyoneormoreoftheKPMGInternationalentities.KPMGInternationalentitiesprovidenoservicestoclients.Allrightsreserved.Intelligentinsurance:AblueprintforcreatingvaluethroughAI-driventransformation|2
Foreword
Incontrast,lifeinsurersmanaginglong-termrisksrely
onbiometric,medicalandbehavioraldatatoassess
longevityandmorbidity.AIisrevolutionizingtheir
underwritingprocessesbyautomatingrisksegmentation,integratingelectronichealthrecordsandutilizingpredictiveanalyticstorefinepolicypricingandassessment.Life
insurersareintegratingwearabledataandwellnesstrackingtopersonalizepolicypricing,rewardinghealthybehaviors.
AIisalsoimprovingclaimsautomationbyidentifying
fraud,analyzingdeathcertificatesandstreamlining
payoutsthroughmachinelearning.Beyondunderwritingandclaims,AIistransforminglongevitymodelingand
regulatorycomplianceinlifeinsurance.Predictive
analyticspoweredbyAIcanassesslifeexpectancy,
detectdiseaseonsetandoptimizeriskstratification,
enablinginsurerstorefinepricingandpayoutstructures.
However,thesesolutionsareoftendevelopedtosolveaspecificproblem,butthereisanopportunitytoquicklyadjustforwideruseacrossthevaluechain.GenAIandautonomousagentscouldempowerorganizationsto
enhanceactuarialmodels,deliverpersonalizedinsurancecoverorevenincreasethepaceofinsurancecl
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