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保险科技扎堆走秀 是时代进步还是“脑袋一热”?

2017-09-18 08:11:38   中国经济网

“很多技术上的东西是针对车险的,但保险公司没有意识到,车险市场因智能驾驶等技术的出现实际上在走下坡路。”郝演苏还说,再比如智能投顾等保险科技产品,除非其真能对家庭财富、家庭健康状况有全面的评估和指导,否则意义不大。而如果真能达到财富管理的目的,投顾的成本就上去了,保费收入就没有意义。

开发智能投顾产品“阿尔法保险”的中国太保首席数字官杨晓灵在谈到该产品的用处时,曾坦率地表示:“我们就是想通过‘阿尔法保险’来进行消费者教育。”但显然,消费者教育的效果在短期内无法显现。

不过也有一些产品得到了不错的用户反馈。例如前文提到的中国平安开发的“智能闪赔”。2017年上半年平安产险使用该产品处理车险理赔案件超过499万件,显示出科技对保险业务的切实辅助作用。

再比如运营了100多天的、旨在对车主进行智能风险分析的“车险分”产品,其首批客户大地财险已将“车险分”合理融入公司车险业务的定价过程中。大地财险认为,该产品确实能够在“从人因素”的风险识别方面起到辅助和补充作用。

郝演苏对《投资者报》记者表示,保险行业确实需要创新,但应主要集中在销售环节的创新上,其他一些涉及个人隐私的保险科技产品,将随着人们对隐私的重视,越来越难以推进。

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