最有看点的互联网金融门户

国际资讯基于互联网平台的金融业务

下一片蓝海?物联网+保险科技时代来袭

国际资讯基于互联网平台的金融业务

下一片蓝海?物联网+保险科技时代来袭

IoT-Powered Transformation in the Insurance Industry

引言

相对于互联网与金融的完美契合,物联网与保险的结合似乎有一种"相见恨晚"的感觉。然而,它们的相遇似乎从一开始就注定不凡。凭借着物联网保险等创新科技的发展,仅在2015年保险行业就吸纳了超过12亿美元的投资,相当于2010年的6倍。有关媒体报道称,一旦发生金融危机,保险业将取代银行业成为受到波及的首要目标。

毫无疑问,近年来保险行业的快速发展首先得益于诸多创新科技的成功应用。人工智能、大数据、物联网、区块链以及新兴商业模式的出现丰富了解决传统难题的手段,为保险行业的发展注入了新鲜活力。先进科技的创新已经成为推动传统行业换发"第二春"的首要因素。

物联网发展前景

物联网既物物相连的互联网,是新一代信息技术的重要组成部分,也是"信息化"时代的重要发展阶段。它是在互联网的基础上延伸出来的网络,并且将用户端拓展到了物品与物品之间,进行信息交换和通信。物联网通过智能感知、识别技术与普世结算等通信感知技术,在各大行业的应用不断深入。

搜狗截图16年12月23日1655_1 第1张

物联网技术的应用极大地促进了互联网保险的进一步发展。据有关报道预测,到2021年人类将至少拥有280亿台网络连接设备,其中160亿台将采用物联网技术。随着物联网技术的不断发展,"网络连接"将被重新定义。此外,通过手机技术和移动应用程序的创新,手机已成为功能丰富的管理工具。据预测,在2021年,人们可直接通过移动应用程序对至少15亿物联网连接设备进行管理。

近年来,物联网连接设备不断推陈出新,其中高级传感技术的应用扮演着至关重要的角色。随着设备不断地被人类社会所接受和使用,大量相关的活动数据被收集整理,而传感技术在其中更是发挥着不可替代的作用。基于对大量数据的历史和走势分析,保险行业对种类的划分将会更加明确,对未来的预测也将更为精准,从而促进整个行业的发展步入新的阶段。

总而言之,传感技术的应用能够为保险行业提供大量精确详细的数据。有了数据的支持,保险行业将在不同市场的新产品开发以及个性化管理方案的制定等发面发挥越来越重要的作用。

创新健康管理,驱动健康保险变革

随着传感技术在穿戴医疗设备上的应用,健康保险行业的发展进入新阶段。对保险公司来说,通过物联网驱动健康管理,可以准确确定被保险人的健康管理目标,根据目标制定个性化的健康管理方案。同时,通过对被保险人健康情况、日常活动等数据的分析,保险公司能够准确地进行风险评估以及价格调整。此外,穿戴医疗设备能够有效地优化健康保险产品,提升客户服务质量,促进健康保险模式的转变,推动健康保险由事后补偿向预防补偿发展。有关数据表明,截止2018年,全球智能穿戴医疗设备的使用量将超过2.5亿,另外,其出货量也会快速增长态势,将达到1.35亿。

从另一个角度来看,智能穿戴医疗设备的普及能够为孤寡老人以及残障人士的生活提供极大的保障。具体来讲,智能医疗设备能够对穿戴者的生理和心理状况做出及时有效的反馈,有助于健康情况的管理和病情改善。同时,保险公司也能够及时获取信息,并积极做出应对。

此外,智能穿戴医疗设备的兴起将会引导新商业模式的出现:(1)通过对健康数据的分析,健康保险公司能够从中开发出更大的客户群体;(2)以财产保险为代表的其他保险公司也将通过对健康数据的深入挖掘开发出新的商机。

目前,就如何实现保险与智能设备的结合问题,各大保险公司进行了深入的探索。其中,伊利保险与谷歌眼镜的合作,蓝牙智能牙刷的个性化服务模式以及奥斯卡医疗与Misfit的大胆尝试引起来世界范围内的广泛关注。

伊利保险与谷歌眼镜

Google Glass 第2张

为了提高保险理赔员的工作效率,匹兹堡的众多投保人此前受邀参加了由伊利保险公司举办的试点计划。本次试点计划的内容为测试谷歌眼镜在保险理赔调查过程中的使用情况,并探讨其能否取代保险理赔员通常所携带的数码相机。在计划中,理赔员成功地展现了日常工作中机动性大的特点,为谷歌眼镜的研发人员提供了实践依据。

蓝牙智能牙刷

Beam Brush 第3张

2015年,一家名为Beam Technologies的公司开启了Beam Perks计划,宣称不论公司大小,都可以加入该计划,为员工提供有效的口腔保护。同时,Beam Technologies会每季度为加入的会员提供光波牙刷、牙膏、牙线以及用于更换的牙刷头。会员需要下载Beam Technologies的移动应用程序并订阅相关内容。而该程序也会通过牙刷记录并储存使用者的刷牙时间、姿势等数据,以便日后帮助使用者改进错误的刷牙习惯。

本次Beam Perks计划的商业效益在于,Beam Technologies同时推出了名为SmartPremiums的计划,通过对获取的用户数据进行分析,向使用者推出与之相契合的口腔保险方案。具体来说,公司会根据使用者在移动应用程序上获得的得分来调整对应的保险金。得分越高者将缴纳的保险费用越低,反之亦然。

奥斯卡医疗与Misfit
Misfit 第4张

尽管大多数的保险公司都在发展以科技为导向的保险模式,而早在几年前,奥斯卡医疗就已经开始尝试转变健康保险模式,以金钱福利作为诱导,推动健康保险由事后补偿向预防补偿发展。通过与智能穿戴医疗设备生产商Misfit的合作,奥斯卡医疗开启了健康管理计划。客户会免费收到由Misfit生产的智能运动手环,而该手环也已自动连接到奥斯卡医疗的手机app。用户每天都会收到需要达到的运动步数,如果能够达到该目标20次,用户将会收到由奥斯卡医疗和Misfit联合发放的亚马逊20美元礼品卡(全年上限为240美元)。

从商业经营角度来看,这种使用智能穿戴医疗设备实时感应和检测被保险人的身体状况,并且使用奖励积极引导使用者自我管理和加强锻炼,提高其身体健康状况的模式能够为保险公司在未来的理赔中节省大量的资金。

车联网发展迅速,车险模式亟待改革

车联网则通过先进的智能传感技术,实现车与车、车与人、车与路的互通与协同,对数据进行采集、分析和决策,实现智能化交通管理、智能动态信息服务和车辆智能化控制。车联网是信息技术与汽车融合的结果,是物联网在汽车和交通领域的深度集成应用。

车联网对车辆保险行业的发展具有重大意义。通过对人、车、路、环境信息的采集与分析,可以降低骗保率,提高承保收益,并可创造新的收益。通过对车辆及驾乘人员信息的分析和处理,保险公司对风险事故可以由被动应对转为主动管理,降低事故发生率和理赔成本。通过实时信息交互和综合服务,可以提升客户服务水平,提高续保率。

老司机的福音?技术越好越省钱

zubie 第5张

今年,一家名为"Progressive"的美国车辆保险公司为用户推出了UBI计划。所谓UBI,就是基于使用来付费的保险。其理论基础是驾驶行为表现较安全的人员应该获得保费优惠,保费取决于实际驾驶时间、地点、具体驾驶方式或这些指标的综合考量。Progressive与美国车载摄像头的生产厂商Zubie进行了合作。Zubie负责为其用户安装微型记录仪,以此来记录驾驶人的驾驶行为。同时,Progressive通过车载信息终端收集、监测、评价不同车辆的实际状况和不同驾驶人驾驶行为,并据此计算和调整保费,向车主提供个性化的车辆保险服务。

State Farm启动车险改革计划

statefarm 第6张

作为美国最大的车险公司,State Farm于今年启动了名为"State farms'Drive Safe & Save Mobile"的智能车险计划。购买了State Farm车险的用户可以登录官网免费下载手机app,并连接官方的蓝牙beacon。之后,驾驶人的驾驶时间、地点、具体驾驶方式将会通过蓝牙和手机应用程序传递给State Farm,同时State Farm会据此计算和调整车辆保险费用,拥有良好驾驶记录的用户所需缴纳的保险费将会降低。

降低安全风险 改革工作生活条件

除了上文中提到的疾病和交通事故等因素,日常工作环境中的种种潜在威胁也是损害人类健康的杀手。工作环境的温度、湿度、空气质量等条件都在潜移默化地影响着人类的健康水平,而物联网技术的应用将成为解决这一问题的关键。利用物联网技术,传感设备能够有效地监测工作环境,收集和分析有关数据,从而及时地给予人们对危险的预警。有关数据表明,到2025年至少一半的美国家庭都将安装智能传感设备,实现对家里情况的实时监管。

此外,智能传感设备的应用能够为员工的健康提供极大的保障。通过获得设备给予的反馈,公司和员工能够充分认识到工作环境中存在的潜在威胁。从而对员工工作内容进行及时调整,避免工伤等意外的发生。

IBM的Watson物联网平台

IBM 第7张

IBM的Watson物联网平台可以通过物联网设备和数据庞大的应用程序来访问,可以执行强大的设备管理操作,并存储和访问设备数据,连接各种设备和网关设备。Watson物联网主要包括了四大重要的方面:连接、信息管理、分析以及风险管理。应用到保险领域,Watson loT for Insurance提供了投保人资产及现状的完整视图,包含诸如位置、安全系统、天气、交通和整体健康情况的信息。深入分析这些信息使得承保人能够为投保人提供个性化的风险评估和实时保护。对投保人来说,早期预警形式的风险规避、个性化的建议及简化的索赔处理和结算会极大的提高其生活质量。同时,承保人也将得益于索赔和自动处理费用的降低以及客户满意度和忠诚度的提高。

物联网技术的革新为保险行业的发展提供了新的思路。由于材料证据,灾后的保险理赔一直是困扰保险公司的难题。从去年开始,伊利保险公司开始尝试使用无人机收集材料。类似于IBM的Watson loT for Insurance,这种新的保险理赔模式对保险行业的发展具有重大的借鉴意义。

Liberty Mutual 加强与Nest合作 家庭防护设备成为保险关键

Nest 第8张

2015年,美国保险公司Liberty Mutual宣布与家庭防护设备生产商Nest合作,双方旨在提高防护设备在家庭安全中的作用。购买并安装了Nest烟雾及一氧化碳报警器的客户将免费参与Liberty Mutual推出的智能家庭保险折扣计划。Liberty Mutual会经过评估,对合理使用防护设备来保障家庭安全的用户提供保险费用的优惠。从去年开始,Liberty Mutual取得了广泛的认可,其保险的奖励范围已从开始的烟雾防护延伸到了防水和防盗。

 

Being one of the most exciting areas of innovation, the insurance industry by-product, InsurTech, attracted more than $1.2 billion in investments in 2015 – six times the amount invested in 2010. According to a 2015 report from WEF, “The most imminent effects of disruption will be felt in the banking sector; however, the greatest impact of disruption is likely to be felt in the insurance sector.”

One of the reasons InsurTech took off rapidly is the application of advanced technologies enriching non-conventional solutions. AI, big data, IoT, blockchain technology and new business models applied in the insurance industry in recent years have proven the importance of tech-led transformation in traditional spheres, insurance being one of them.

IoT is a particularly interesting enabler of advanced InsurTech solutions. Given that out of 28 billion connected devices forecasted by 2021, 16 billion will be related to IoT, the importance of leveraging the connectivity is hard to overestimate. Moreover, out of the total number of IoT devices, 1.5 billion will have a cellular subscription by 2021.

With the explosive growth rate of IoT devices enabled with advanced sensory technology, the network of connected devices will be able to accumulate a tremendous amount of meaningful data about one’s activities and the environment. Over time, sensory technology will gain even greater importance as it will accumulate a significant amount of data. Underwriting will get to another level with the opportunity to put together historical data and detailed streams of current data from a variety of connected devices. It will allow the viewing of more accurate patterns and make accurate forecasts.

Powered by accurate and detailed data streams coming from sensory technology, underwriters will be able to play a significant role in developing new products, shaping tailored packages for different markets and define the pricing policy.

Connected person

Sensory technology combined with connected fitness tracking devices (or, in fact, any wearable devices) is most interesting for health insurance providers, enabling them to make a more accurate assessment of the risks involved with every customer and adjust pricing given individual health conditions, lifestyle, level of fitness, daily activity and calorie burn rate in a continuous way. Wearable devices will be playing the critical role in enabling such a precision in insurance and, fortunately, by 2018, over 250 million smart wearable devices are expected to be in use. The shipments of smart wearable devices are expected to grow rapidly – from 9.7 million in 2013 to 135 million in 2018.

Some experts see another angle, suggesting that future wearable devices could lead to independent living solutions for the elderly and physically challenged by reporting on the physical and emotional environment of the wearer. New business models could emerge, perhaps with employers buying wearables for their insured employees or companies monetizing the health data by providing relevant referrals. Actively monitoring and identifying targeted opportunities is a prudent step for P&C insurers.

Examples of linking personal devices to insurance include Erie Insurance tie-up with Google Glass and Beam’s connected toothbrush (the Beam Brush).

Pittsburgh policyholders were part of a pilot program from Erie Insurance to test the use Google Glass as a way to make insurance adjusters’ working lives easier and more efficient. As explained by Pittsburgh Business Times, the adjusters in the pilot program, who generally are highly mobile and work out of their cars, were given Google Glass Explorers to see if the device could replace the digital camera that they carry and have to juggle during the claims investigation process.

“Wearables aren’t going to go away. The technology is going to keep getting better and better, and it’s going to be up to companies like ours to use it effectively and efficiently for the benefit of our customers,” commented Erie Insurance IT analyst Rita Briody.

The Beam Brush case is a bit more interesting – as reported by the SiliconANGLE, Beam Perks is a program by the insurance company that companies of any size can extend to their employees to ensure good dental hygiene. It includes Beam’s connected toothbrush and quarterly shipment of toothpaste, floss and replacement toothbrush heads. Members subscribed to Beam Perks will have to download the Beam mobile app, which tracks brushing behavior over time and encourages positive change through gamification to further enhance the comprehensive experience. The most exciting part is that data from the brush is used for adjusting the premiums – SmartPremiums is a plan offered by the company in various forms to meet demands of businesses and groups of individuals. The better the brushing score, the lower are the premiums of the group.

While the vast majority of large insurers are just getting into the whole tech-adjusted insurance, Oscar Healthcare started experimenting with enticing people to lead a healthy lifestyle for financial benefits couple years ago. As reported by Forbes, through the partnership with wearable device company Misfit, the health insurer offers a program that links customer biometric information straight to their health insurance. With this program, Oscar clients can opt to receive a free Misfit wristband pedometer that will connect automatically to Oscar’s app. Once set up, the Oscar Misfit pays people to walk – each day they get a new target for the number of steps to take. If users hit the goal 20 times, they are rewarded with an Amazon $20 gift card (up to $240 a year).

“We want to get people outside and to be physically active,” said Oscar Co-founder and CEO Mario Schlosser. “It’s to prevent you from getting sick in the first place – get people to be physically active and push them to do more with financial rewards.”

The idea of encouraging a healthy lifestyle with rewards, and setting fitness goals through wearable devices and apps can save insurers substantial funds on future claims.

Connected vehicle

There are other types of insurance products that are also worth paying attention to with regard to IoT, one of which is car insurance. The implication is similar to health insurance but applies to the assessment of behavior on the road (ideally, behavior on the road also translates to health insurance, but that’s something to explore down the road). Similar to collecting data on one’s changing physical condition over time, auto insurance providers now can use connected cars to gather driving history – the speed, braking pattern, general condition of the vehicle and a range of other data points allowing to understand how much of a responsible driver a person is and balance pricing with risks involved. That is what ‘telematics’ is about.

A traditional player called “Progressive” is an example here with its tiny Snapshot device, which turns safe driving into savings. Snapshot evaluates risks based on how drivers actually drive, rather than just on traditional factors like where they live and what kind of car they have.

As explained by the Internet of Business, using an ODB telematics dongle and machine learning, the insurer is able to judge how a driver is performing on each journey. By doing this, the insurer is able to price more accurately on an individual basis, while the approach also rewards safer drivers with reduced premiums. The edition also adds that Progressive stroke a deal with Zubie, the maker of a device that plugs into your car and can help you track how well (or poorly) you are driving. The agreement lets Zubie customers see how Progressive would charge them based on the driving data that Zubie collects.

State Farm has also been pivoting its approach to auto insurance to leverage tech advancements – State Farms’ Drive Safe & Save Mobile is offered to customers with eligible smartphones, who can download the free app and connect to the Bluetooth beacon sent by the company. The company does not collect fees for subscription. Users’ smartphone, combined with the Bluetooth beacon provided, collects basic information about person’s driving characteristics. The less and safer the person drives, the more he/she could save on auto insurance.

Connected working and living environment

Risks in one’s life are not limited to health and driving habits, there are also factors added from the work environment, surrounding group and other elements of everyday life. Work environment and everything it contains takes the biggest part of the day and, hence, needs to be secure for every individual. Hazardous conditions at work, office building environment, temperature (which can affect health), allergens – everything contributes, directly or not, to one’s physical condition in the long term. Connected sensors gathering data from critical elements of the surrounding environment can provide timely alerts on unusual changes and forecast hazards that will result in significant costs. Moreover, given that by 2025, half of US households are expected to be connected thanks to IoT-enabled, integrated monitoring and control solutions, the home environment is not excluded from the area of IoT for insurance intervention.

As professionals suggest, “With two-way communication, these IoT devices can also provide predictive alerts on potentially dangerous conditions in the near future. Carriers offering homeowners, commercial property, worker’s compensation and general liability lines would all be able to ‘write right risk’ and improve loss ratios based on IoT-connected environmental sensors.”

On a more privacy-abusing level, carriers and employers can combine GPS data from wearable devices (or data from sensory technology in buildings) and biometric tracking data from the same devices to better assess risks associated with workplace for every employee and adjust coverage depending on the role of every person in the organization and its impact on a person’s vitals at work. A better understanding of how the workspace affects an individual will allow to accurately assess possible policy-abuse cases related to workplace-related injuries.

One of the comprehensive examples include IBM, which has been working in this direction with its Watson IoT for Insurance suite, providing a full context view of the policy holder’s assets and situation, including information such as location, security systems, weather, traffic, and overall wellness. The in-depth analysis of this information allows the insurer to provide personalized risk assessment and real-time protection for the policyholder. Benefits for the policyholder include risk avoidance in the form of early alerts, personalized advice, and streamlined claims processing and settlement. Benefits for the insurer include expense reduction through claims avoidance and processing automation and customer satisfaction and loyalty.

IBM, however, is not the only fish in the pond. Last year, Erie Insurance was looking to use drones to help it ford some of the challenges to underwriting and claims adjusting, namely hard-to-reach roofs and the aftermath of catastrophic storms like tornadoes.

Liberty Mutual is an example of an insurer that turns to devices to prevent claims – in 2015, Liberty Mutual insurance and Nest partnered to reward customers for protecting their homes with innovative technology. With this partnership, customers who have installed a Nest Protect smoke and carbon monoxide alarm can take advantage of Liberty Mutual’s Smart Home Verified Discount program. Liberty Mutual offered additional discounts for customers who choose to electronically share that their smart home safety devices are functioning properly. This is an evolution of Liberty Mutual’s Protective Devices discount program, which now includes specific discounts for smartphone-enabled smoke alarms as well as new water and theft protection technologies.

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