智能保险：以人工智能驱动数智化转型新蓝图-英文版.docxVIP

Intelligentinsurance

Ablueprintforcreatingvaluethrough

AI-driventransformation

KPMG.MaketheDifference.

KPMGInternational

/intelligentinsurance

Foreword

04Ataglance 05Introduction 08Researchfindings

11Buildingtheintelligentinsurer

16Firstphase:Enable

21Secondphase:Embed

26Thirdphase:Evolve

28Keyconsiderations

32Methodology

33KPMG:GuidingyourAItransformationwithexperienceandtrust

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?2025CopyrightownedbyoneormoreoftheKPMGInternationalentities.KPMGInternationalentitiesprovidenoservicestoclients.Allrightsreserved.Intelligentinsurance:AblueprintforcreatingvaluethroughAI-driventransformation|3

BuildingtheintelligentinsurerFirstphaseForewordAtaglanceIntroductionResearchfindingsSecondphaseThirdphaseKeyconsiderationsGuidingyourAItransformation

BuildingtheintelligentinsurerFirstphase

ForewordAtaglance

Introduction

Researchfindings

Secondphase

Thirdphase

Keyconsiderations

GuidingyourAItransformation

Methodology

AIhasbeenapartoftheinsuranceindustryfor

sometime,butitsadoptionvariessignificantly

basedoninsurancetype,geographyandthe

distinctionbetweenlegacyinsurersandinsurtechdisruptors.TheemergenceofgenerativeAI,alongwiththenextwaveofautonomousandagenticAIsystems,isunlockingentirelynewpossibilitiesforinnovationacrossthesector.

However,whilesomeinsurersaredoublingdownonAIinvestmenttodrivecompetitiveadvantage,othersremaincautious,eitherduetoregulatoryconcerns,legacy

constrain