More and more insurance companies have started to apply smart technologies and started the era of smart services. According to the "Securities Daily" reporter, many insurance companies, including Ping An Insurance, Taikang Online, Pacific Insurance, Hongkang Life Insurance, Anbang Life Insurance, and Fude Life, have introduced smart technology into their business, including intelligent underwriting. , smart security, smart customer service and other aspects of daily attendance and intelligent management. Although the field of insurance in the field of artificial intelligence is mostly in the after-sales field, according to optimistic forecasts in the industry, in the future, the use of artificial intelligence is likely to expand to include insurance services such as sales and pre-sales services. One ultimate direction is to replace sales personnel. Become a personal insurance smart steward. From face recognition to "TKer" In April of last year, Hongkang Life Insurance introduced the face recognition technology for the first time in the industry. This is considered to be a case of applying artificial intelligence technology to insurance companies. By intelligently comparing the customer ID photos with photos of the ID certification center under the Ministry of Public Security in the background, instead of manual authentication, the security services are intelligent under the premise of security. Hongkang Life Insurance related persons told the "Securities Daily" reporter that face recognition has been applied to almost all of the company's services that need to identify customer identities. Today, there are more than one insurer applying face recognition to the business, including insurance companies such as Ping An Insurance, Lifeworld Life, and Taikang Online. The introduction of technologies such as face recognition can simplify the entry function, enhance operational service efficiency, and improve customer experience. A major application area of ​​artificial intelligence also includes underwriting. Ping An has been on-line with intelligent underwriting during the insurance coverage of some insurance products. When the insured has some abnormal health conditions and does not meet the insurance requirements, it can choose “above all†or “partiallyâ€. The "partially yes" in "Abandoning Insurance" will be transferred to the intelligent underwriting process. The intelligent underwriting background understands the health status of customers through questionnaires and gives “underwriting conclusionsâ€, that is, whether the insured is allowed to apply for insurance. In addition, the smart technology that is more widely applied to insurance companies is smart customer service. Fude Life launched the online smart customer service robot Fude elf, rapid intelligent analysis to accurately understand the customer's doubts, can quickly give a reply within 0.1 seconds, greatly improving the accuracy and efficiency of the solution. “It is not a fully programmed human-machine dialogue. This small robot has a certain learning function and belongs to the category of intelligence.†The relevant person of Hongkang Life Insurance told reporters that the company had already launched a robotic customer service on the WeChat platform and liberated a certain amount of manpower. And improve efficiency. Ping An’s 2016 mid-year report shows that Ping An Life can meet all its policy service requirements by introducing online service platforms such as smart robots, remote auditing and video calling. Ping An Property & Casualty Insurance also established an intelligent loss-adjusting platform and launched innovative service products such as "Pocket Claims" and "Xiao'an Guidelines" to fully implement the "Online + Offline" claims service model to provide customers with convenient and transparent services. In addition, in August of last year, China’s first insurance intelligent robot “TKer†was also launched. It was launched by Taikang Online. It can use face recognition, voice interaction and other technologies to achieve independent insurance, insurance policy inquiry, business management, human-machine collaboration, and video advertising. The function can also be used to welcome guests and intelligent conversations. In the future, health services such as blood pressure, pulse, and body temperature measurement will be provided in combination with health and sports intelligence hardware. Taikang said that "TKer" robots may also serve Taikang offline business in the future instead of manually completing related business work. Two-core "wipe" artificial intelligence Summarizing the current major application fields of artificial intelligence in the industry, a person in charge of the IT department of a medium-sized life insurance company told the reporter of the Securities Daily that from the perspective of large artificial intelligence, it means using technological means instead of manual work, from This point of view, in fact, the insurance industry has applied in many areas, such as the above-mentioned online customer service, underwriting, compensation and other key links, but most of these applications are not real artificial intelligence. At present, the general situation in life insurance companies is that two cores (underwriting and disbursements) are important business positions in the back-end and require professionals with medical backgrounds to do it, with high manpower and efficiency costs. In the underwriting section, the insurance company is to reduce the risk of adverse selection and malicious insurance. If these two aspects are not covered, the customer's feelings will be the trend of insurance relaxation. Therefore, through the setting of rules, smart insurance is already in the industry. Get more applications. “And artificial intelligence means more ability to respond to differentiated and irregular conditions. From this perspective, the application of insurance company underwriting to artificial intelligence is certainly still in its infancy.†Department head said. However, the industry is actively trying to achieve true artificial intelligence on the underwriting. For example, Ampang Life Insurance previously stated that the artificial intelligence system introduced this year began to follow the company’s underwriters to learn various underwriting knowledge in the real environment and accumulated experience in handling real-world cases. At the same time, one of the key tasks of the company’s IT department this year was to "Teaching" artificial intelligence systems to learn about artificial underwriting cases, and gradually making artificial intelligence play an active role in the underwriting process. In the compensation process, the head of the IT department of the above-mentioned insurance company believes that smart technology has already been used, but it is also not artificial intelligence in the true sense. It belongs to the “wipe edge†artificial intelligence. According to the “Securities Daily†reporter, there are professional claims companies that have taken over life insurance and health insurance claims in China. They use new technologies to put prescriptions and medicines in the country without the need for medical background compensation staff. Recorded into the electronic system, and then enter the claims document information, and then automatically calculate the claims results. This kind of auditing and rationalization implements man-machine mutual inspection, relying on intelligent underwriting system, extremely low artificial intervention, and automatic adjustment, just with the advantages of high efficiency and low cost. For Oppo Oca,Optical Adhesive Oca Glue,Oppo Reno 10 Pro Oca Sheet Paper,Optically Clear Adhesiv Sheet Dongguan Jili Electronic Technology Co., Ltd. , https://www.jltouch.com
: The artificial intelligence that broke out in 2016 has attracted attention from all walks of life. The contest between the human brain and robot brain is not limited to Go and not only to TV programs. It will also be embodied in all walks of life, including the insurance industry.