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2018:保险科技时代即将来到香港

传统金融的互联网化国际资讯监管与政策

2018:保险科技时代即将来到香港

2018年可以称得上是香港保险市场开拓创新的一年。新成立的香港保险业监督管理局新推出了两项试点措施,旨在推动保险市场的新技术发展,引发了保险公司和再保险公司对保险科技的极大兴趣,这两项措施分别是--Fast TrackInsurtech Sandbox

这对保险公司来说是利好消息。因为Sandbox允许他们在受控的环境下测试新型的保险技术/产品。而Fast Track则加快了对纯数字化保险公司的授权流程,从而提高了新进入者仅通过在线渠道进行分销的速度。然而,机遇也伴随着威胁,可以预想到的是保险公司将需要加强应对潜在风险(如数据隐私泄露)的能力。

为了最大限度地利用监管机构的支持措施,我们预测保险公司将会把技术与产品相结合,从通过Chatbots分销微型保险产品过渡到使用物联网设备来收集客户数据,从而能够更加精确地监控风险,并为客户提供更优惠价格的产品。

Businesses will need to tackle new risks as well as opportunities

2018 is likely to be the year of innovation for the insurance market in Hong Kong. Re/insurers’ interest in Insurtech will ramp up on the back of two recently launched pilot initiatives by the newly established Hong Kong Insurance Authority to promote new technologies in the insurance market – Fast Track and Insurtech Sandbox.

This is great news for insurers as the Sandbox allows them to test their unprecedented insurance technology/products under a controlled environment. Fast Track accelerates the authorisation process for purely digital insurers, so that the speed-to-market for new entrants to distribute solely via online channels is improved. However, opportunity also comes with threats and we foresee that insurers will need to reinforce their ability to handle potential risks, such as data privacy.

To maximise the benefits of the regulator's supportive stance, we predict that insurers will blend technology with insurance products, from distributing microinsurance products via Chatbots to using Internet of Things devices to collect customer data, thereby monitoring risks more accurately and offering more competitive prices to customers.


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