Recently, the "data intelligence reshaping entity: 2022 smart data forum" hosted by Huaxia times was successfully held. This forum is online. The Forum gathered experts and scholars in data intelligence related fields to deeply explore the new trend of current industry development. In this forum, Lima technology, a new infrastructure company of the insurance industry chain, won the "2021 annual data intelligence application innovation enterprise award" and was successfully selected into the "financial digital transformation report 2022 under data intelligence".
2017 is the first year of insurance technology. So far, insurance technology has gone through its first five years. In the process of digital transformation of the insurance industry, insurance technology continues to promote the development of insurance applications from online to intelligent.
At present, insurance technology focuses more on "getting customers" and "trading", but in terms of in-depth user experience, it still relies too much on the professional skills and professionalism of agents, resulting in low sense of access to insurance products and services and poor after-sales experience such as claim settlement and consultation.
For example, in the past, insurance users had to settle their claims by telephone or to service outlets, which was cumbersome, complicated and time-consuming; In terms of policy management, users still obtain insurance mainly through traditional channels, policy management is fragmented, and some users are not clear about the configuration of insurance products under their names.
In January 2022, the China Banking and Insurance Regulatory Commission issued the guiding opinions on the digital transformation of the banking and insurance industry, proposing to serve the real economy and the people as the starting point and foothold of the digital transformation of the banking and insurance industry.
"Compared with other financial products, insurance products are relatively complex. Their industrial chain often involves multi-party participation and more manual interference. As a result, the integration of information technology and insurance business is often easy to float on the surface and limited to local areas, resulting in the fragmentation and shallow stratification of the application of insurance technology." Ma Jingwei, co-founder of Lima technology and CEO of Chenyue technology, said that therefore, it is very important to open up the information island, release the data value, expand the extensive and in-depth application of information technology in the insurance field, create a service closed loop suitable for "new" users with the help of scientific and technological means, improve the efficiency and quality of insurance products and services, and build a relatively independent, open and win-win multi-level digital insurance service platform.
He said that linking producers, sellers and consumers and doing a good job as a digital infrastructure builder of the insurance industry chain are the original intention of Lima technology.
As a new infrastructure company in the insurance industry chain, Lima technology modularizes and standardizes the insurance marketing and enterprise operation and management processes around the real needs of users. Based on AI intelligence, cloud computing, big data and other information technologies, optimize the cost structure of the insurance industry chain, provide comprehensive digital solutions including insurance SaaS, product supply chain and customer successful service for the majority of insurance operators, help partners reduce costs and increase efficiency, and improve the efficiency and quality of insurance services.
Lima technology's user-centered agent marketing empowerment accurately locates target users through big data and cloud computing, judges the needs of user groups, and realizes automatic intelligent operation and personalized marketing promotion. It not only helps enterprises reduce labor costs, but also improves the professionalism of the overall insurance consultation, greatly improves the user experience and improves the transaction rate of agents.
Specifically, in terms of intelligent customer service, through the collaborative service of intelligent Siasun Robot&Automation Co.Ltd(300024) and manual agents, it has undertaken a large number of consultations from merchants and agents, covering a full range of consultation scenarios such as product recommendation, insurance, underwriting, policy service and claim settlement. By building an intelligent Q & a knowledge base and providing AI customer service Siasun Robot&Automation Co.Ltd(300024) , more than 70% of the consultation problems can be solved, the cost of customer service communication can be reduced and customer satisfaction can be improved.
In terms of intelligent underwriting, based on big data and algorithm capabilities, it integrates the knowledge base in the medical field, and realizes rapid underwriting in combination with OCR, NLP and other capabilities. Compared with the traditional underwriting, the underwriting efficiency has been improved by 5-10 times, and the underwriting limitation has been shortened from 3-5 working days to 5 minutes-1 working day. In terms of intelligent claim settlement, the automation level of claim settlement has been improved. At present, the single day processing capacity is 3000, and the error rate is controlled within 2%.
