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Insurance companies rely on AI: the industry revolution is here!
In 2025, US insurers will increasingly rely on AI to optimize processes and create personalized offers. Discover the trends.
Insurance companies rely on AI: the industry revolution is here!
The insurance industry in the USA is currently on the move and is increasingly relying on generative artificial intelligence (AI). According to a report by oe24 The use of AI has almost doubled compared to the previous year. A study by the investment company Conning shows that 55 percent of US insurers surveyed are already using or have comprehensively implemented generative AI. It is noteworthy that 90 percent of companies are currently in a phase of AI implementation.
Manu Mazumdar, head of data analytics at Conning and author of the study, describes generative AI as the most talked-about technology in the sector today. This illustrates how important technological progress is for the further development of the industry.
Technological developments and opportunities
The implementation of AI technologies is significantly changing the way insurance companies work and their capabilities. This is particularly evident in a comprehensive study by KPMG clear, which included interviews with AI experts and a survey of decision-makers in global markets. The technology-enabled innovations enable proactive risk mitigation, dynamic price optimization and 24/7 personalized customer communication.
AI is already impacting the entire value chain in the insurance industry, including product development, claims settlement, fraud detection and pricing. With increasing reliance on technology, insurance companies are faced with the challenge of effectively integrating these systems.
Expected trends for 2024
The developments will not slow down in the future either. The website Insurance messenger describes five key trends insurers should keep an eye on in 2024:
- Erweiterte Dunkelverarbeitung und vollautomatisierte Schadensregulierung: Schadensmeldungen werden automatisiert erfasst und bearbeitet, was die Effizienz in der Schadensabwicklung erhöht.
- Innovative Betrugserkennung und -simulation: Durch den Einsatz ausgeklügelter KI-Systeme können Muster und Anomalien in Schadensmeldungen erkannt werden, was die Betrugsbekämpfung verbessert.
- Allgegenwärtige digitale Assistenten: Der Einsatz von KI-gesteuerten digitalen Helfern erleichtert die Interaktion sowohl für Endkunden als auch für Mitarbeiter und Außendienst.
- Digitale Beratungsangebote: Die Entwicklung neuer digitaler Werkzeuge ermöglicht eine personalisierte Beratung, ohne die traditionellen Methoden aufzugeben.
- Personalisierung in Kommunikation und Angeboten: KI wird genutzt, um maßgeschneiderte Kampagnen und dynamische Versicherungsprodukte zu entwickeln, die auf die spezifischen Bedürfnisse der Kunden zugeschnitten sind.
In summary, it can be said that artificial intelligence will permanently transform the insurance industry. The rapid development and implementation of these technologies offers innovative solutions to current and future challenges. It remains to be seen how the industry will develop in the coming years.