Utilización de Inteligencia Artificial para lograr eficiencias en el proceso de suscripción de líneas comerciales.

Guest Author: Juan D’Alessandro

Las Compañías de Seguro comienzan a poner los datos a trabajar para ofrecer a sus clientes productos innovadores. La ciencia de los datos, impulsa la automatización de procesos repetitivos y provee más conocimiento para, al final del día, ofrecer un servicio personalizado a los clientes aumentando su satisfacción y relación con la marca.

Para empezar, vamos a repasar que es la Inteligencia Artificial. En 1956, John McCarthy acuñó la expresión «inteligencia artificial» como «la ciencia e ingenio de hacer máquinas inteligentes, especialmente programas de cómputos que reúne características y comportamientos asimilables al de la inteligencia humana. Una definición mas actual que se adapta a la realidad es la siguiente: la capacidad de un sistema para interpretar correctamente datos externos, para aprender de dichos datos y emplear esos conocimientos para lograr tareas y metas concretas a través de la adaptación flexible.

Sin duda, adoptar una estrategia integral sobre el manejo de la información es vital para garantizar el correcto funcionamiento de los modelos desarrollados y su resultado. Este es el principal desafío de las compañías. Recolección, transformación, clasificación y almacenamiento es esencial para poner en practica estos modelos. El origen de los datos pueden ser fuentes externas como redes sociales o internas (formularios, histórico de siniestros y primas).

Algunos casos de impacto de esta tecnología en la industria:

  • Reducir el tiempo dedicado a tareas repetitivas. Estas tareas simples que ocupan un gran porcentaje del tiempo de los equipos de Suscripción, Operaciones, Siniestros pueden ser realizadas por modelos entrenados.
  • Ofrecer un servicio personalizado a sus clientes y corredores anticipándose a sus necesidades. Conocer mejor a los clientes.
  • Desarrollar nuevos canales de venta utilizando el IoT
  • Mejorar el resultado de la compañía implementando modelos de detección de siniestros fraudulentos. 

Estos son solo algunos ejemplos propios de la industria. También existen productos ya operativos en otras industrias (fintech, ecommerce) que se están adoptando como Chatbots, Manejo de recursos humanos, etc.

Read More

Impacto Covid a las aseguradoras. PyMEs beneficiadas por fallo de la corte suprema en $1.6B 

Guest Author: Juan D’Alessandro

La semana pasada cerro con una noticia alarmante para Lloyds y el resto de companias de seguros. Un fallo de la corte suprema de UK, sentencio que los comercios deberán cobrar por la perdida de beneficio ocacionada por los lock-downs ordenados por los distintos gobiernos a causa de covid. 

En forma unánime, la corte sustento su decisión en ampliaciones de cobertura ambiguas respecto a su relación directa con un dano material como son enfermedad e impedimento de accesos. De esta forma, desactivaron el principal argumento de las aseguradoras que es la no existencia de dano material.  

El impacto de esta medida se estima en $1.6billones. Ahora resta esperar que sucederá en otros países donde estamos viendo demandas y procesos similares.  

https://www.insurancejournal.com/news/international/2021/01/15/597643.htm 

Read More

Seguro Paramétrico para proyectos de Construcción y Montaje

Guest Author: Juan D’Alessandro

Compartimos a continuación un articulo donde Zurich presente este innovador producto que apunta tanto a dueños como a contratistas. En tiempos donde los eventos de la naturaleza son cada vez mas frecuentes y mas devastadores, el producto recientemente lanzado en Estados Unidos es una solución complementaria al ya tradicional TRC. De esta forma se logran cubrir aquellas demoras que puedan surgir luego de un evento catastrófico, aunque no haya un daño material al Proyecto.  

Este tipo de seguros paramétricos requieren la definición del evento y los órganos de medición que dispararan la cobertura. Por ejemplo, ráfagas de viento sostenidas de determinada velocidad o milímetros de lluvia caídos en determinado tiempo.  

Ejemplos de eventos que podrían estar cubiertos por este producto serian la falta de suministro de agua o electricidad, el impedimento de acceso por arboles caídos en los caminos o inundaciones.  

Interesante debatir respecto a la posibilidad de implementar este tipo de cobertura en Latinoamérica, subjetividades y consideraciones propias de la geografía e idiosincrasia local. 

Read More

Insurance 2030

McKinsey report

The industry is on the verge of a seismic, tech-driven shift. A focus on four areas can position carriers to embrace this change.

Welcome to the future of insurance, as seen through the eyes of Scott, a customer in the year 2030. His digital personal assistant orders him an autonomous vehicle for a meeting across town. Upon hopping into the arriving car, Scott decides he wants to drive today and moves the car into “active” mode. Scott’s personal assistant maps out a potential route and shares it with his mobility insurer, which immediately responds with an alternate route that has a much lower likelihood of accidents and auto damage as well as the calculated adjustment to his monthly premium. Scott’s assistant notifies him that his mobility insurance premium will increase by 4 to 8 percent based on the route he selects and the volume and distribution of other cars on the road. It also alerts him that his life insurance policy, which is now priced on a “pay-as-you-live” basis, will increase by 2 percent for this quarter. The additional amounts are automatically debited from his bank account.

When Scott pulls into his destination’s parking lot, his car bumps into one of several parking signs. As soon as the car stops moving, its internal diagnostics determine the extent of the damage. His personal assistant instructs him to take three pictures of the front right bumper area and two of the surroundings. By the time Scott gets back to the driver’s seat, the screen on the dash informs him of the damage, confirms the claim has been approved, and that a mobile response drone has been dispatched to the lot for inspection. If the vehicle is drivable, it may be directed to the nearest in-network garage for repair after a replacement vehicle arrives.

While this scenario may seem beyond the horizon, such integrated user stories will emerge across all lines of insurance with increasing frequency over the next decade. In fact, all the technologies required above already exist, and many are available to consumers. With the new wave of deep learning techniques, such as convolutional neural networks,1 artificial intelligence (AI) has the potential to live up to its promise of mimicking the perception, reasoning, learning, and problem solving of the human mind (Exhibit 1). In this evolution, insurance will shift from its current state of “detect and repair” to “predict and prevent,” transforming every aspect of the industry in the process. The pace of change will also accelerate as brokers, consumers, financial intermediaries, insurers, and suppliers become more adept at using advanced technologies to enhance decision making and productivity, lower costs, and optimize the customer experience.

Read More

Lloyd’s, the “Market”

Visiting the “Market”

Lloyds is the world’s specialist insurance and reinsurance market.

After two days of great meetings in London, my colleague Ali Hauser kindly organized a visit of Lloyd’s for me. Rachel was a great guide! She explained me that the bell you see on this photo rarely rings. Luckily! Indeed, when it rings once, it means that a tragic event has taken place somewhere in the world: ship has sunk or disappeared for example. When it rings twice however, it means that it is found again! Only the “Head Waiter” has the right to ring the bell.

 

Read More

Global Captive Podcast

Captive Insurance

In this highly interesting podcast, Richard Cutcher interviews Ali Hauser, INGAGE CEO for Latin America. Ali shares his experience and views on the market with Richard.

Listen to this podcast.

 

Read More

Our CTO sets a car on fire!

Claims

Thanks to our CTO, we are now able to set cars on fire, but also buildings, planes and even oil platforms. We can also create earthquakes and much more! Anything that leads to claims, our CTO and his team can create it!

 

 

Read More

Demo of the Simulator

Here is an introduction of our Insurance Simulator. If you are interested in a 30-minute in-depth demonstration, you are welcome to contact us.

 

Read More

Jornada de Seguros

The Insurance Day in Buenos Aires

The Insurance Day took place in Argentina this year on May 22.

The key topic were digitization, disruption, Artificial Intelligence and Big Data.

As the behavioural economist Dan Ariely once tweeted, “Big data is like teenage sex: everyone talks about it, nobody really knows how to do it, everyone thinks everyone else is doing it, so everyone claims they are doing it.”

 

 

 

Read More

Find the insured (or not) Treasure!

Treasure Hunt

Do you have new recruits joining your company in Zurich, London, New York, Hong Kong? Or do you have clients that come to visit you for a workshop or a week-long seminar?

You might want to do a bit of team building and help them discover your city and its history! This app makes it possible for you to organize treasure hunts around the city or your company’s campus.

You can use or ready-made treasure hunts about Zurich or London specifically designed for the insurance industry. Use the out-of-the-box version or customize it to your need!

 

 

Read More

Full focus on INSURANCE!

Belinguo becomes INGAGE!

Belinguo AG is a company incorporated in Zurich, Switzerland.

In order to reflect our exclusive focus on the insurance industry, we have decided to rename it “INGAGE” (www.ingageinsurance.net).

It stands for INsurance enGAGEment. It is a platform dedicated to training for the insurance industry (for both online and blended learning). 

“INGAGE is the Training Platform for the Insurance Industry”. We offer out-of-the-box and bespoke online training for large and small companies in the industry. This includes engaging online courses, simulations, 3D scenarios and much more to train new employees as well as experienced insurance professionals. See ingageinsurance.net.

Please note that belinguo.com redirects now to ingageinsurance.net.

 

 

Read More
Send
Send