Name: 人工智能如何改變保險業 - 保險趨勢 (How AI Is Changing The Insurance Industry - Insurance Trends)
Uploaded: 2025-08-21T06:18:42.000Z
Duration: 4 min 27 s

In an industry built on data, like insurance, it's no surprise that the rise of AI-powered tools will have drastic implications.

對於像保險這樣一個建立在數據基礎上的行業來說，人工智能工具的興起將產生巨大影響，這並不奇怪。

情態副詞

But what, specifically, are the biggest likely impacts of AI on insurance?

但具體來說，人工智能對保險業可能產生的最大影響是什麼呢？

Well, for one, AI will help insurers improve accuracy in risk assessment.

首先，人工智能將幫助保險公司提高風險評估的準確性。

Insurance, ultimately, is all about recognizing patterns of risks and predicting their likelihood to occur in the future.

歸根結底，保險就是要識別風險模式並預測其未來發生的可能性。

The more accurately an insurer interprets and analyzes risks, the better they can price that risk.

保險公司對風險的解讀和分析越準確，就越能為風險定價。

In other words, they can set the policy premiums based on the likely policy costs, covering both claim payouts and other costs.

換句話說，他們可以根據可能的保單成本來確定保費，包括賠付和其他費用。

Machine learning is a major lever for helping insurers continuously improve their risk models.

機器學習是幫助保險公司不斷改進其風險模型的重要手段。

Insurers have long chased after the underlying predictors of risk.

長期以來，保險公司一直在追尋風險的潛在預測因素。

Data about who you are, what you do, and what you own are like clues to the puzzle.

關於你是誰、你在做什麼以及你擁有什麼的數據，就像是拼圖的線索。

AI is simply supercharging this, helping make sense of an even longer tale of factors.

而人工智能則為這一切增添了新的動力，幫助人們理清各種因素之間的關係。

Many people have heard that red cars are more expensive to insure.

很多人都聽說過紅色汽車的保險費更貴。

Actually, that's a total myth, but it's very much in the spirit of the type of pattern finding AI can help with.

事實上，這完全是個神話，但它非常符合人工智能可以幫助尋找模式的精神。

For example, insure-tech providers like Relativity6 use AI tools to help insurers get a better profile on businesses they insure.

例如，Relativity6 等保險技術提供商利用人工智能工具幫助保險公司更好地瞭解其承保企業的情況。

By scanning data from sources like company websites, news reports, and customer reviews, they can produce a very granular assessment of risks.

通過掃描公司網站、新聞報道和客戶評論等來源的數據，他們可以對風險進行非常細緻的評估。

Say, a scan of a restaurant's menu reveals several flambéed dishes.

比方說，掃一眼餐廳的菜單，就會發現幾道火焰菜餚。

All of this helps the insurer decide if they want to insure that customer, called risk selection, and if they do, to set the right price.

所有這些都有助於保險公司決定是否要為該客戶投保，即所謂的風險選擇；如果要投保，則有助於確定合適的價格。

Another way AI can improve accuracy, in addition to risk assessment, is loss assessment, which happens during the claims process.

除風險評估外，人工智能提高準確性的另一種方式是在理賠過程中進行損失評估。

AI can quickly make an initial assessment of damages, say by using image recognition tools.

人工智能可以快速對損失進行初步評估，例如使用圖像識別工具。

A photo-estimatic assessment can help the insurer set aside just the right amount of reserves and avoid setting aside too much, a poor use of capital.

照相預估評估可以幫助保險公司預留適當數量的準備金，避免預留過多，造成資金使用不當。

Another benefit of photo-estimatics is that it can help the insurer identify claims that may benefit from proactive intervention.

照相預估法的另一個好處是，它可以幫助保險公司識別可能受益於主動干預的索賠。

Say, after the accident, the insurer hasn't been notified of any passenger or driver injuries, but the pictures suggest a high likelihood of internal bodily damage.

比如說，事故發生後，保險公司還沒有接到任何乘客或駕駛員受傷的通知，但照片顯示很有可能發生了身體內部損傷。

The best action may be for the insurer to proactively coordinate medical treatment rather than waiting around to receive bills afterward.

最好的辦法可能是由保險公司主動協調治療，而不是事後等著收賬單。

Aside from improving accuracy, another important application of AI is making sure claims are genuine, claims validation.

除了提高準確性，人工智能的另一個重要應用是確保索賠的真實性，即索賠驗證。

Fraudulent claims cost insurers billions of dollars every year.

欺詐性索賠每年給保險公司造成數十億美元的損失。

But insurers can't investigate every claim in exhaustive detail.

但保險公司不可能詳盡無遺地調查每一項索賠。

The cost would be prohibitive, and it would delay payouts on genuine claims.

這筆費用將高得令人望而卻步，而且會延誤對真正索賠的賠付。

So, many turn to technology companies for assistance.

是以，許多人向技術公司尋求幫助。

One provider is Shift, whose AI-powered solution detects fraud by analyzing claims across many different insurers.

Shift 就是其中一家提供商，它的人工智能解決方案通過分析多家不同保險公司的理賠申請來檢測欺詐行為。

For example, a criminal group submitting fraudulent auto insurance claims might be hard to detect by any one insurer, but by aggregating shareable, say anonymized, claims data from many different insurers, they can better spot patterns of suspicious behavior.

例如，提交欺詐性汽車保險索賠的幫派可能很難被任何一家保險公司發現，但通過彙總來自許多不同保險公司的可共享（例如匿名）索賠數據，他們可以更好地發現可疑行為的模式。

A final application of AI is one common to almost all sectors – using AI to automate tasks, boosting productivity and reducing overhead costs.

人工智能的最後一項應用是幾乎所有行業都有的，即利用人工智能實現任務自動化，提高生產率並降低管理成本。

Increasingly, customers can simply speak with an agent – human or even possibly AI-based – and skip filling out forms.

越來越多的客戶只需與人工或甚至可能是人工智能代理交談，而無需填寫表格。

AI tools can process information from the conversation directly.

人工智能工具可以直接處理對話中的資訊。

Claims processing and new policy pricing can be streamlined in this way.

通過這種方式可以簡化索賠處理和新保單定價。

Of course, AI can be applied to a wide range of tasks – for example, the generation of initial drafts of coverage letters, which can then be reviewed by a human and sent to the customer.

當然，人工智能可以應用於各種任務，例如，生成承保書初稿，然後由人工審核併發送給客戶。

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人工智能如何改變保險業 - 保險趨勢 (How AI Is Changing The Insurance Industry - Insurance Trends)

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