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保险人工智能 (AI) 市场 - 预测 2023-2028
市场调查报告书
商品编码
1279625

保险人工智能 (AI) 市场 - 预测 2023-2028

Artificial Intelligence (AI) for Insurance Market - Forecasts from 2023 to 2028
出版日期: | 出版商: Knowledge Sourcing Intelligence | 英文 150 Pages | 商品交期: 最快1-2个工作天内

价格
简介目录

国防领域的人工智能（AI）市场：预计该市场将从2021年的12.09亿美元市场规模以33.05%的复合年增长率增长，到2028年达到89.25亿美元。 人工智能 (AI) 也正在渗透到保险行业，保险公司利用该技术来改善其业务的许多方面。 人工智能正在用于自动化承保流程，使保险公司能够就与特定保单相关的风险做出更明智的决策，并识别和防止欺诈性索赔。 人工智能算法可以分析来自各种来源的数据，包括社交媒体、财务报表和医疗记录，以确定与保单相关的风险。 此外，还可以分析大量数据，例如索赔历史记录和保单持有人行为，以检测表明欺诈的模式。

聊天机器人和虚拟代理在保险行业中越来越受欢迎，因为它们为客户提供了一种便捷且易于访问的方式来购买和管理保单。 例如，我们可以为您提供有关保险单、索赔和付款的信息，并实时回答常见问题。 区块链技术为记录交易提供了安全、透明的帐本，也是该领域的热门话题。 该技术可以帮助保险公司提高数据隐私和安□□全性，降低与传统管理流程相关的成本，并提高透明度和效率。

市场促进因素

远程资讯处理和物联网设备的增长

远程资讯处理和物联网 (IoT) 设备的兴起正在产生大量数据，可用于增强承保和定价。 人工智能算法可以分析这些数据，以确定与保险单相关的风险并提供更准确的定价。 保险公司现在可以收集有关保单持有人的大量数据，并用它来确定保单的个性化定价。 此外，它还可用于检测保险行业的欺诈行为。 例如，来自远程资讯处理设备的数据可用于确定保单持有人的驾驶习惯是否与保单应用程序上提供的资讯匹配。 人工智能算法可以分析这些数据并检测表明欺诈的模式。

偏好个性化保险

随着数位技术和资讯获取的兴起，消费者越来越意识到个性化保险的好处。 这包括定制保险建议和定制保险，以更好地满足您的特定需求和要求。 技术的进步使得以更实惠的价格提供更个性化的保险成为可能。 人工智能算法现在可以分析大量数据，使保险公司能够提供更适合每个客户的个人需求和预算的保险。 例如，与具有较高风险驾驶行为的客户相比，始终以安全速度驾驶并避免突然制动的客户可以获得更低的保费。 Metromile 是一家消费者汽车保险公司，利用人工智能和远程资讯处理技术来追踪驾驶行为并提供个性化保险。 该公司的应用程序追踪里程和驾驶行为，并使用这些资讯提供实时更新的个性化保险报价。

限制

保险行业监管严格，利用人工智能技术需要遵守各种法律法规。 遵守这些法规对保险公司来说可能是一项挑战，因为它们可能需要大量资源和投资。 保险业在采用新技术方面进展缓慢，一些公司可能会抵制变革。 由于担心所涉及的成本和风险，一些传统保险公司可能不愿意采用人工智能技术。

预计北美在预测期内将占据重要份额。

北美以其高度采用技术而闻名，保险业也不例外。 该地区的许多保险公司都是人工智能技术的早期采用者，以改善运营并保持竞争力。 它拥有发达的基础设施，包括高速互联网、先进的数据中心和强大的IT产业。 该基础设施为开发和部署提供了理想的环境。 该地区强大的经济实力使得保险公司能够大力投资人工智能技术，并招募顶尖人才从事人工智能项目。 这使得保险公司能够保持领先地位。 例如，北美最大的保险公司之一好事达正在利用人工智能来改善其运营和客户体验。 Allstate 使用人工智能分析客户数据来提供个性化的保险产品和服务。

亚太地区近年来经历了快速的经济增长，是许多全球最大的保险公司的所在地，这些公司对该行业人工智能技术的发展和采用发挥了重要作用。 他们认识到人工智能在改善运营和客户体验方面的潜力，并正在投资人工智能技术。 例如，日本邮政保险正在利用人工智能通过分析客户数据并提供更个性化的保险产品和服务来改善其运营和客户体验。

内容

第 1 章简介

  • 市场概况
  • 市场定义
  • 调查范围
  • 市场细分
  • 货币
  • 先决条件
  • 基准年和预测年时间表

第 2 章研究方法

  • 调查数据
  • 调查设计

第 3 章执行摘要

  • 调查要点

第 4 章市场动态

  • 市场促进因素
  • 市场抑制因素
  • 波特五力分析
  • 行业价值链分析

第 5 章保险人工智能 (AI) 市场：按应用分类

  • 简介
  • 欺诈检测
  • 风险分析
  • 客户服务
  • 保险索赔评估
  • 其他

第 6 章保险人工智能 (AI) 市场：按第一部门划分

  • 简介
  • 人寿保险
  • 健康保险
  • 产权保险
  • 其他

第 7 章保险人工智能 (AI) 市场：按技术分类

  • 简介
  • 深度学习
  • 机器学习
  • 机器人自动化
  • 其他

第 8 章保险人工智能 (AI) 市场：按地区划分

  • 简介
  • 北美
    • 美国
    • 加拿大
    • 墨西哥
  • 南美洲
    • 巴西
    • 阿根廷
    • 其他
  • 欧洲
    • 德国
    • 法国
    • 英国
    • 西班牙
    • 其他
  • 中东和非洲
    • 沙特阿拉伯
    • 阿拉伯联合酋长国
    • 以色列
    • 其他
  • 亚太地区
    • 中国
    • 日本
    • 印度
    • 韩国
    • 印度尼西亚
    • 台湾
    • 其他

第 9 章竞争格局与分析

  • 主要公司及战略分析
  • 新兴公司和市场盈利能力
  • 合併、收购、协议与合作
  • 供应商竞争力矩阵

第 10 章公司简介

  • Amelia US LLC
  • Microsoft Corporation
  • Amazon Web Services Inc.
  • IBM Corporation
  • Avaamo Inc.
  • Cape Analytics LLC
  • Wipro Limited
  • Acko General Insurance
  • Shift Technology
  • BIMA
简介目录
Product Code: KSI061614384

AI for insurance market is expected to grow at a CAGR of 33.05% from a market size of US$1.209 billion in 2021 to reach US$8.925 billion in 2028. Artificial Intelligence (AI) has been making inroads into the insurance industry, with insurers using the technology to improve various aspects of their business. It is being used to automate the underwriting process, enabling insurers to make more informed decisions about the risk associated with a particular policy and identify and prevent fraudulent insurance claims. AI algorithms can analyze data from a variety of sources, such as social media, financial statements, and medical records, to determine the risk associated with a policy. Furthermore, it can analyze large amounts of data, such as claims history and policyholder behavior, to detect patterns that are indicative of fraud.

Chatbots and virtual agents are becoming increasingly popular in the insurance industry, as they provide customers with a convenient and accessible way to purchase and manage their insurance policies. For example, it can provide customers with information about their policies, claims, and payments, and answer frequently asked questions in real time. Blockchain technology, which provides a secure and transparent ledger for recording transactions, is also gaining attention in this sector. This technology can help insurance companies improve data privacy and security, reduce costs associated with traditional administrative processes, and increase transparency and efficiency.

Market Drivers

Growth in telematics and IoT devices

The growth in telematics and Internet of Things (IoT) devices is generating a large amount of data that can be used to enhance underwriting and pricing decisions. AI algorithms can analyze this data to determine the risk associated with a policy and provide more accurate pricing. Insurers can now gather vast amounts of data about policyholders, which can be used to determine personalized pricing for insurance policies. Further, it can be used to detect fraud in the insurance industry. For instance, data from a telematics device can be used to determine if a policyholder's driving habits match the information provided in the policy application. AI algorithms can analyze this data to detect patterns that are indicative of fraud.

Preference towards personalized insurance

With the rise of digital technology and access to information, consumers are becoming more aware of the benefits of personalized insurance. This includes customized policy recommendations and tailored coverage that better meets their specific needs and requirements. Advances in technology have made it possible to offer more personalized insurance policies at more affordable prices. AI algorithms can analyze large amounts of data, enabling insurance companies to offer policies that are better attuned to the individual needs and budget of each customer. For instance, a customer who consistently drives at safe speeds and avoids sudden braking may be offered a lower premium than someone who engages in high-risk driving behavior. Metromile is a usage-based car insurance provider that uses AI and telematics technology to track driving behavior and offers personalized insurance policies. The company's app tracks mileage and driving behavior, and based on this information, offers individualized insurance quotes that are updated in real-time.

Restraints

The insurance industry is highly regulated, and the use of AI technology must comply with various laws and regulations. This can be a challenge for insurance companies, as complying with these regulations may require significant resources and investment. The insurance industry has been slow to adopt new technology, and some companies may be resistant to change. Some traditional insurance companies may be reluctant to adopt AI technology due to concerns about the costs and risks associated with implementation.

Market Developments

  • In April 2022, Applied System an innovative insurance software provider partnered with Koos Intelligence to offer cutting-edge AI-powered insurance solutions that can help insurance companies better serve their customers with more advanced and personalized insurance solutions.
  • In July 2021, Microsoft formed a partnership with Darktrace, a U.K.-based cyber security AI service provider to leverage the strengths of both companies to deliver a comprehensive cyber security solution that helps organizations better protect against cyber threats and can help organizations better defend against cyber attacks and keep their critical assets and information secure.

North America is projected to hold a considerable share over the forecasted period.

North America is known for its high adoption of technology, and the insurance industry is no exception. Many insurance companies in the region have been quick to adopt AI technology to improve their operations and stay competitive. It has a well-developed infrastructure, including high-speed internet, advanced data centers, and a robust IT industry. This infrastructure provides an ideal environment for development and deployment. The strong economy of this region has allowed insurance companies to invest heavily in AI technology and hire top talent to work on AI projects. This has led insurance companies to stay ahead of the curve. For instance, Allstate is one of the largest insurance companies in North America, and the company is using AI to improve its operations and customer experience. Allstate is using AI to analyze customer data and to provide personalized insurance products and services.

The Asia Pacific region has been experiencing rapid economic growth in recent years, this region is home to many of the world's largest insurance companies, and these companies are playing a major role in the development and adoption of AI technology in this industry. They are recognizing the potential of AI to improve their operations and customer experience and investing in AI technology. For instance, Japan Post Insurance is using AI to improve its operations and customer experience, by analyzing customer data and providing more personalized insurance products and services.

Market Segmentation

By Application

  • Fraud Detection
  • Risk Analysis
  • Customer Service
  • Claims Assessment
  • Others

By Sector

  • Life Insurance
  • Health Insurance
  • Title Insurance
  • Others

By Technology

  • Deep Learning
  • Machine Learning
  • Robotic Automation
  • Others

By Geography

  • North America
    • USA
    • Canada
    • Mexico
  • South America
    • Brazil
    • Argentina
    • Others
  • Europe
    • Germany
    • France
    • United Kingdom
    • Spain
    • Others
  • Middle East and Africa
    • Saudi Arabia
    • UAE
    • Israel
    • Others
  • Asia Pacific
    • China
    • Japan
    • India
    • South Korea
    • Indonesia
    • Taiwan
    • Others

TABLE OF CONTENTS

1. INTRODUCTION

  • 1.1. Market Overview
  • 1.2. Market Definition
  • 1.3. Scope of the Study
  • 1.4. Market Segmentation
  • 1.5. Currency
  • 1.6. Assumptions
  • 1.7. Base, and Forecast Years Timeline

2. RESEARCH METHODOLOGY

  • 2.1. Research Data
  • 2.2. Research Design

3. EXECUTIVE SUMMARY

  • 3.1. Research Highlights

4. MARKET DYNAMICS

  • 4.1. Market Drivers
  • 4.2. Market Restraints
  • 4.3. Porter's Five Forces Analysis
    • 4.3.1. Bargaining Power of Suppliers
    • 4.3.2. Bargaining Power of Buyers
    • 4.3.3. Threat of New Entrants
    • 4.3.4. Threat of Substitutes
    • 4.3.5. Competitive Rivalry in the Industry
  • 4.4. Industry Value Chain Analysis

5. AI FOR INSURANCE MARKET BY APPLICATION

  • 5.1. Introduction
  • 5.2. Fraud Detection
  • 5.3. Risk Analysis
  • 5.4. Customer Service
  • 5.5. Claims Assessment
  • 5.6. Others

6. AI FOR INSURANCE MARKET BY SECTOR

  • 6.1. Introduction
  • 6.2. Life Insurance
  • 6.3. Health Insurance
  • 6.4. Title Insurance
  • 6.5. Others

7. AI FOR INSURANCE MARKET BY TECHNOLOGY

  • 7.1. Introduction
  • 7.2. Deep Learning
  • 7.3. Machine Learning
  • 7.4. Robotic Automation
  • 7.5. Others

8. AI FOR INSURANCE MARKET, BY GEOGRAPHY

  • 8.1. Introduction
  • 8.2. North America
    • 8.2.1. USA
    • 8.2.2. Canada
    • 8.2.3. Mexico
  • 8.3. South America
    • 8.3.1. Brazil
    • 8.3.2. Argentina
    • 8.3.3. Others
  • 8.4. Europe
    • 8.4.1. Germany
    • 8.4.2. France
    • 8.4.3. United Kingdom
    • 8.4.4. Spain
    • 8.4.5. Others
  • 8.5. Middle East and Africa
    • 8.5.1. Saudi Arabia
    • 8.5.2. UAE
    • 8.5.3. Israel
    • 8.5.4. Other
  • 8.6. Asia Pacific
    • 8.6.1. China
    • 8.6.2. Japan
    • 8.6.3. India
    • 8.6.4. South Korea
    • 8.6.5. Indonesia
    • 8.6.6. Taiwan
    • 8.6.7. Others

9. COMPETITIVE ENVIRONMENT AND ANALYSIS

  • 9.1. Major Players and Strategy Analysis
  • 9.2. Emerging Players and Market Lucrativeness
  • 9.3. Mergers, Acquisitions, Agreements, and Collaborations
  • 9.4. Vendor Competitiveness Matrix

10. COMPANY PROFILES

  • 10.1. Amelia US LLC
  • 10.2. Microsoft Corporation
  • 10.3. Amazon Web Services Inc.
  • 10.4. IBM Corporation
  • 10.5. Avaamo Inc.
  • 10.6. Cape Analytics LLC
  • 10.7. Wipro Limited
  • 10.8. Acko General Insurance
  • 10.9. Shift Technology
  • 10.10. BIMA