WTW2017-2018产险公司先进的分析调查报告（12页）.pdf

1、Advanced analytics and the future: Insurers boldly explore new frontiers 2017/2018 P faster, easier information access (65%); more personalized experiences (61%); and more mobile-friendly applications (53%), with relatively minor differences in priorities among small, midsize and larger carriers. On

2、e area receiving closer attention from larger insurers, however, is the introduction of more product options. To help them achieve these goals, many insurers recognize the need to broaden their data horizons (Figure 2). This is exemplified by big jumps in proposed data usage for both auto and home t

3、elematics and web scraping in the next two years. Similarly, Figure 2 also shows a strong appetite for and belief in the benefits of telematics data, both for auto policies, where it is already established, and as an increasingly important factor for homeowners policies. We cover this in more detail

4、 below. Claim management The perceived potential of advanced analytics to transform claim management is evident from the dramatic expansion of data applications planned in the next two years (Figure 3). Closer attention to major sources of potential fraud is a high priority (e.g., excessive treatmen

5、t, the activities of fraud rings and inaccurate applications). Specific triage applications are likely to focus on analyses of claim amount (70%) and potential complexity (50%). It is recognized, however, that some lines of business are more inherently suited to more in-depth claims analysis. Person

6、al lines auto and home carriers alike anticipate large increases in advanced analytics use for claims over the next two years: from 23% to 68% of those surveyed for personal auto coverage, and from 18% to 54% for homeowners coverage. In commercial lines, existing claim analytics usage is highest in