AI 制胜：打造下一代保险企业(英文版).docxVIP

TheAIAdvantage:

BuildingTomorrow’sInsuranceEnterprise

March2025

Foreword

Theinsuranceindustryisatapivotalmoment,setstorefineriskassessmentsandpricingmodels.But

Theinsuranceindustryisatapivotalmoment,

setstorefineriskassessmentsandpricing

models.ButAIisnotjustabouttechnology—

peopleremainessential.Skilledprofessionalsareneededtointerpretinsights,overseesystems,andguideresponsibleAIadoption.Upskillingteams

andcollaboratingwithpartnerswillbecriticalinbridginggapsandacceleratingAIintegration.

Thisreporthighlightsthetangiblebenefits

AIbringstounderwriting—fromimproved

riskassessmentaccuracyandcostsavings

toenhancedcustomersatisfactionandfasterpolicyissuance.Whilechallengesremain,

insurersarealreadytakingstrategicstepstoovercomeintegrationhurdles,manage

dataquality,andensureethicalcompliance.

Wehopethisroadmapprovidesyouwith

valuableinsightsandpracticalrecommendationsforbuildingastructuredAIstrategy,supportingyourorganizationtounlockthetechnology’s

fullpotentialandsecureacompetitiveedgeinanincreasinglydata-drivenfuture.

undergoingaprofoundtransformationasartificialintelligence(AI)revolutionizeshowthingsaredone.

Thisreporttakesyouthroughtheevolving

landscapeofAIininsurance,exploringhowitisstreamliningunderwriting,enablingfasterandmoreaccuratedecisions,andultimatelyenhancingcustomerexperiences.

Whilelargeinsurersareleadingthecharge—

leveragingtheirrobustgovernanceframeworksandvastdataresources—manymid-sizedandsmallerfirmsfacehurdles,fromlegacysystemstolimitedAIexpertise.Yet,theopportunityAI

presentsisimmense.Byimprovingefficiency

andprecision,itholdsthepowertoreshapetheindustry,providedwenavigatethechallengesoftransparency,fairness,andaccountability

withcare.

AttheheartofAIinnovationlieshigh-qualitydata.Insurersareincreasin