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专栏区块链国际资讯基于互联网平台的金融业务

2019年,这5家保险科技创企或将有所作为

专栏区块链国际资讯基于互联网平台的金融业务

2019年,这5家保险科技创企或将有所作为

每年都有一波保险科技创业公司诞生,有些被淘汰,有些成为中坚力量。在今天的这篇文章中,我们就为您介绍5家可能会在2019年大有作为的保险科技创企。

保险即服务:Valoo

保险公司向客户提供标准化产品的传统模式正在逐渐消失。许多客户,特别是千禧一代,都希望拥有更多样化的保险产品和更灵活的购买方式。

目前就有几家创企看中了人们这种想要灵活地决定投保标的("保险即服务")需求,有并推出了相应的量身定制产品。

比如,Valoo公司就为客户提供了一种直接清点财产的方法,即用人工智能扫描物品,处理图片然后估值,并提供短期保险。

区块链:Dynamis

保险科技创业公司正在使用区块链技术颠覆保险业。一个重要的应用是使用该技术,使保险公司和客户能够实时验证全球商品的位置,便于进行金融服务中的P2P操作。

比如Dynamis就使用以太坊,以补充失业保险的形式提供P2P失业保险。

Foresight Factory称,Dynamis会为所有员工用户设立个人账户,并向一个去中心化的保单支付保费。如果没有理赔,保费会逐渐下降。对于员工而言,帐户支持他们在求职时使用这些钱并将详细信息转移到新工作场所。

大数据分析:Cystellar

大数据包含每个上网用户的海量存储信息,对保险公司来说,这些数据很有价值。

创业公司Cystellar运营着一个基于云的大数据分析平台,为保险公司提供数据驱动决策。比如Cystellar平台会为保险科技公司提供预测分析,重点是预测并消除破坏性事件,因为自然灾害可能会为农业技术和食品技术公司带来不小的影响。

减少理赔:Laka

投保传统保险,投保人无论是否理赔,都要支付相同的保费(通常都会上涨)。创业公司Laka则推出了一款全新的自行车保险定额保费模式。公司在自行车保险方面采用了基于社区的模型。每月最高费用固定在18英镑左右。但是,如果更大范围社区的索赔数量减少,保费就会下降。

安全即服务:Threatformer

网络攻击是现代生活的一个特征。为了降低保险成本,许多公司都热衷于搞清楚如何提高系统安全性。

ThreatInformer就是该领域的一家创业公司。该公司为保险业提供网络风险情报,使用安全即服务平台为用户提供工具,通过针对安全评估和环境因素的高效分析,使用户得以了解完整的风险图谱。

There is a wave of insurtech startups emerging each year. Some fall by the wayside, others become major players. Five companies set to make it big in 2019 are profiled, from an insurance as a service pioneer to a blockchain innovator.

Insurance-as-a-service

The traditional model of an insurance company offering a standardized product to the customer is on its way out. Many customers, especially millennials, want more choice and a flexible approach to insurance products.

This flexibility to decide what to insure (“insurance as a service”) is being met by several insurtechs, who are offering insurance products tailored to the customer. An example is the company Valoo, which offers a straightforward way for customers to make an inventory of possessions. This is achieved through the processing of photographs. These captured items can then be valued by artificial intelligence scanning the items, and then short-term insurance being offered.

Blockchain

InsurTech startups are deploying blockchain technology to disrupt the insurance industry. One important application is using the technology to allow insurers and customers to verify the location of goods around the world in real-terms. This has helped to facilitate peer-to-peer operations in financial services.

An example of this service comes from Dynamis, which uses Ethereum, to offer peer-to-peer unemployment insurance, in the form of supplemental unemployment insurance. According to Foresight Factory, Dynamis pays premiums into a de-centralised contract, setting up individual accounts for all its employees. If there are no claims, the premiums gradually go down. For employees, the account allows them to use the money while seeking employment and to transfer the details to their new workplace.

Big data analytics

Big data encompasses the massive amount of stored information on anybody who has ever had a digital connection — and this data is of value to insurance companies. The startup Cystellar operates a cloud-based big data analytics platform. The aim is to offer insurance firms data-driven decision making. Cystellar’s platform uses predictive analytics for insurtech firms. The main focus is trying to predict and thereby avoid damaging events, such as natural disasters that might affect agtech and foodtech companies.

Claims reduction

With traditional insurance people pay in the same money (which often goes up) whether a claim or made or not. This model is challenged, for bicycle insurance, by the startup Laka. The company operates a community-based model for bicycle insurance. The monthly maximum is fixed at around £18. However, this reduces depending on how many claims are filed by the wider community.

Security-as-a-service

Cyberattacks are a feature of modern life. To help drive down insurance costs, many companies are keen to know how they can improve their systems are services. An example startup in this space is ThreatInformer. The company provides cyber risk intelligence to the insurance industry. The firm creates tools for users to transform the way risks are written, using a security-as-a-service platform. The aim is to use productive analysis of security assessments and environmental factors to enable business users see the full risk picture.

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栀航 | 未央团队未央编辑团队

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