保险科技赋能车险理赔应用研究:路径、实例与建议

Research on the Application of InsurTech Enabling Auto Insurance Claims:Path,Instances and Suggestions

车险是财产保险的主要险种,车险理赔是车险实现风险保障功能的核心环节,但其长期面临理赔效率低、周期长、投诉多、欺诈防控难等“痛点”。保险科技通过应用人工智能、区块链、云计算、大数据等底层技术赋能车险理赔,实现在线报案索赔、远程查勘定损、智能理算核赔、自动支付赔款、有效防控欺诈、精准服务客户等全流程数字化,有助于解决上述“痛点”。人保财险公司“科技理赔”平台和某龙头科技企业“定损保”产品分别是传统财产险公司和第三方科技企业应用保险科技的典型实例,印证了保险科技底层技术赋能车险理赔的路径和效果。但是,保险科技作为新生事物仍存在一些制约因素,需要完善监管体系、加大科技投入、培养复合型人才,以及优化车险理赔数字生态,以期形成合力,更好地发挥保险科技的赋能作用,助推车险高质量发展,服务人民美好生活。

Auto insurance is the main type of property insurance,auto insurance claim is the core link of auto insurance to realize the function of risk protection,and it has long been facing"pain points"including low claim ef⁃ficiency,long cycle,multiple complaints and difficulty in fraud prevention and control.Through the application of AI,blockchain,cloud computing,big data and other underlying technologies,InsurTech enables auto insurance claims and realizes the digitalization of the whole process,including online reporting,remote survey and loss as⁃sessment,intelligent claim adjustment and verification,automatic compensation payment,effective fraud preven⁃tion and accurate customer service,which help to solve the above"pain points".The"technology claims"platform of PICC Property and Casualty Company Limited and the"dingsun bao"product of leading technology enterprise are typical examples of the application of InsurTech by traditional property insurance companies and third-party technology enterprises respectively.The two examples confirm the path and effect of the underlying technology of InsurTech enabling auto insurance claims.However,as a new thing,InsurTech still has some constraints.This pa⁃per proposes to improve the regulatory system,increase investment in science and technology,cultivate composite talents,as well as optimize the digital ecosystem of auto insurance claims,so as to form a concerted effort to better leverage the enabling role of InsurTech,boost the high-quality development of auto insurance,and serve the peo⁃ple's better life.