在硅谷的“独角兽”孵化器 Plug and Play中与初创公司合作的经历让慕尼黑再保险美国公司（Munich Reinsurance America）创新主管Robert Mozeika获得了透视人工智能技术对保险业潜在影响的独特视角。“消费者不必再长篇累牍地填写有关他们自己或被保险财产信息的表格或申请文件。” Mozeika 说，“人工智能的发展将有助于使其成为全面自动化的过程。”

FRM官网

自2017年1月以来，Mozeika一直是慕尼黑再保险公司努力吸收科技创新的一部分，特别是在快速发展的保险科技 （InsurTech）领域，慕尼黑再保险公司总裁M. Steven Levy在宣布时就已表达了这一愿景。本文总结了Mozeika对科技创新和保险业之间合作潜力的主要观点。

Mozeika was previously Munich Re's Silicon Valley-based “innoscout” for two years and the reinsurance division's head of financial and strategic management and underwriting operations for six years.

新的模型和工具

Mozeika observed a strong tendency toward collaboration in the technology ecosystem.

“Tech companies are focused on resolving issues quickly once a problem is identified,” he said in an interview. “They are solution-oriented” and do well at collaboration.

“We see insuretech as an opportunity to create new business models and tools that can help build greater efficiencies across the insurance value chain while delivering more value to our clients,” he added.

Like others working to bring insuretech and fintech innovations into established institutions, Mozeika has recognized that “the capital and human costs of converting a legacy environment are significant.” However, insurance contracts, quoting, policy and claims processing are being digitized.

物联网收购

“Insurers and insuretech companies can work together to meet customer needs and grow business,” the Munich Re innovation executive said.

Munich Re and other insurance industry leaders have been supporters of Startupbootcamp InsurTech, a program within the global Startupbootcamp accelerator network that exposes large companies to entrepreneurial innovations. In September, Munich Re acquired Internet of Things technology company relayr, valued at $300 million.

In 2016, Munich Re's Hartford Steam Boiler (HSB) unit made a minority investment in relayr, which took part in a Startupbootcamp Amsterdam program in 2013.

HSB offers an IoT solution that aggregates and analyzes massive amounts of sensor data so that “your company can deliver everything from real-time customer alerts that lower risks to increased profitability through reduced claims and improved underwriting,” according to its website.

In October, Munich Re joined Barclays, Softbank, Walmart and several others in a coalition supporting development on the Israeli Team8 platform of “technology-based companies that empower organizations to thrive in the face of growing cyber threats.”

机器人技术的限制

AI will not replace independent insurance agents anytime soon.

“The actual agents will be more digital,” Mozeika said. “Although customers expect a lot of their services digitally, they also want an individual involved until the product itself becomes highly simplified.There's inclusions, endorsements, what's covered, what's not covered, and liability issues to discuss,and the customer wants someone to look to when there's a coverage gap, for example.”

“It's a highly regulated industry with complex processes,” Mozeika noted.

“Insuretech start-ups are eager to learn and collaborate with us” because there are gaps in their understanding of insurance markets, regulations, and actuarial technicalities. “It's a symbiotic relationship,” Mozeika said. “Working together, we can advance product innovation in traditional lines and more effectively address emerging risks and policyholder needs.”