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BlockchainInsuranceGlobalwillredefineinsurance

2020-12-10 区块24 来源:区块链网络

On January 26, 2020, basketball legend Kobe Bryant was killed in a helicopter accident in Calabasas, California. Whenever an accident happens, apart from regret, the first thing we think of should be "insurance"! Because "Insurance is not used to change life, but to prevent life from being changed."

The insurance industry urgently needs a breakthrough

According to data from the Big Data Research Center of BIG (Blockchain Insurance global), as of the end of the third quarter of this year, the total assets of China's insurance industry were 22.4 trillion yuan, an increase of 1.9 trillion yuan from the beginning of the year. In the first three quarters, insurance companies’ premium income was 3.7 trillion yuan, representing a year-on-year increase of 7.2%; indemnity and payment expenditures of 998.9 billion yuan, representing a year-on-year increase of 6.1%. As of the end of the second quarter, the average comprehensive solvency adequacy ratio of insurance companies included in the statistics was 242.6%, and the average core solvency adequacy ratio was 230.4%. This shows that the solvency of the insurance industry was sufficient and stable.

In the context of the rapid growth of insurance market demand, problems such as high premiums, difficulty in claim settlement, long claims period, and uneven business capabilities of practitioners have become obstacles to the development of the industry and solving these problems has become a top priority.

BIG "blockchain + insurance" breaks the bottleneck

Compared with the traditional insurance industry structure, BIG integrates blockchain and other new technologies (AI, big data, Internet of Things) into the insurance industry. The application of new technologies has three irreplaceable advantages for the insurance industry.

1、 BIG writes the process and logic of insurance underwriting and claim settlement into the smart contract code and execute it automatically, forming a BIG insurance chain contract. BIG also sets the conditions of various contracts through blockchain technology. When the insured needs to settle the claim, he only needs to upload the certificate that triggers the claim. AI will automatically identify and quickly make judgments based on big data. This not only solves problems of difficulty in claim settlement and long cycle time but also eliminates the occurrence of insurance fraud.

2、 Traditional insurance premiums are high, and many types of insurance or insurance pools should cost far less than the premiums charged. The BIG insurance chain uses AI and big data analysis modules to calculate premiums more accurately, understands personal credit information and other lifestyle habits through big data. BIG also uses AI intelligently to analyze the risk ratio of users. If you don’t have any risk all year round, the premium will be appropriately reduced, which will greatly reduce the real risk loss, which in turn reduces insurance premiums.

3、 Identity authentication has always plagued insurance companies and policyholders. The policyholder’s identity authentication of the BIG insurance chain platform is connected to the restricted module, which can uniquely record the policyholder’s identity information and store it on the blockchain. Regardless of whether a user is insured by multiple insurance companies or has purchased multiple types of insurance from the same company, it can be certified once and submitted multiple times without having to fill in repeatedly. There is no need to provide other identity certificates when making claims. The tamper-proof feature of blockchain information is fully applicable to the insurance industry, and efficiently solves the issues that are rampant in the present insurance industry.

The BIG platform uses a decentralized matching platform to match insurance management contract transactions. It is the most efficient means of collecting private information. All individuals or organizations that have private information about a certain insurance can use the BIG platform to trade insurance and BIG will provide real-time market prices for the insurance market globally.Kobe's influence has already surpassed the scope of basketball, and the Mamba spirit has also inspired people from all walks of life to work hard. BIG will also continue to make greater contributions to the insurance industry, allowing blockchain technology to further develop the insurance industry, allowing more users to benefit from BIG’s global blockchain-based insurance.

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编译者/作者:区块24

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