从风险转移到风险防范：物联网如何重塑保险业务模式

1From Risk Transfer to Risk PreventionIsabelle Flückiger,Director New Technologies and Data, The Geneva AssociationCo-authored by:Matteo Carbone,Founder and Director, IoT Insurance ObservatoryFrom Risk Transfer to Risk PreventionHow the Internet of Things is reshapingbusiness models in insurance 2www.genevaassociation.orgThe Geneva AssociationThe Geneva Association was created in 1973 and is the only global association of insurance companies; ourmembers are insurance and reinsurance Chief Executive Officers (CEOs). Based on rigorous research conductedin collaboration with our members, academic institutions and multilateral organisations, our mission is toidentify and investigate key trends that are likely to shape or impact the insurance industry in the future,highlighting what is at stake for the industry; develop recommendations for the industry and for policymakers;provide a platform to our members, policymakers, academics, multilateral and non-governmental organisationsto discuss these trends and recommendations; reach out to global opinion leaders and influential organisationsto highlight the positive contributions of insurance to better understanding risks and to building resilient andprosperous economies and societies, and thus a more sustainable world.Geneva Association publications:Pamela Corn, Director CommunicationsHannah Dean, Editor and Content ManagerPetr Neugebauer, Digital Media ManagerSuggested citation:The Geneva Association. 2021.From Risk Transfer to RiskPrevention – How the Internet of Things is reshaping businessmodels in insurance.May. Authors: Isabelle Flückigerand Matteo Carbone.© The Geneva Association, 2021 All rights reservedwww.genevaassociation.orgPhoto credits:Cover page – metamorworks and Zapp2Photo / Shutterstock.com ContentsForeword1.Executive summary2.Synergising risk transfer with loss prevention2.1Research approach and intention2.2The Internet of Things3.Two approaches to risk prevention3.1Real-time risk mitigation3.2Promoting less risky behaviour4.Enablers of prevention services5.Conclusions and recommendationsReferences 3From Risk Transfer to Risk Prevention56888111218242931 4www.genevaassociation.orgAcknowledgementsThis publication is a product of the New Technologies and Data work stream of The Geneva Association,co-sponsored by Dean A. Connor, President & Chief Executive Officer of Sun Life Financial, and Yuan SiongLee, Group Chief Executive and President of AIA.We are very much indebted to the members of the Working Group, established in support of our NewTechnologies and Data research activities, and for their valuable input to this report: Georges Theys(Ageas); Mark Saunders and Biswa Misra (AIA); Paul DiPaola and Michael Drobac (AIG); Esra Öge(Aksigorta); Ashley Howell and Owen Morris (Aviva); Camille Niberon and Sarah El Marjani (AXA); RamanMurali (Chubb); Noriyoshi Hosokawa, Shin Nakayama, Jiro Kamiko and Atsushi Izu (Dai-ichi Life); BrunoScaroni (Generali); Chris Dolman (IAG); Chris Reid (Intact); Hiroki Hayashi and Hiroyuki Hara (NipponLife); Karl Stanley (RenaissanceRe); Véronique Dorval (Sun Life); Lutz Wilhelmy, Rainer Egloff and CalebRockstone (Swiss Re); and Adriano Chioetto (Vittoria Assicurazioni).In addition, we would like to thank all the interviewees who kindly agreed to share detailed insightsfrom their projects and companies, namely: Georges Theys (Ageas); Christian Wards (AIA); Paul DiPaola(AIG); Jannice Koch (Allianz); David MacInnis, Karen Burggraf and Liz Knachel (Allstate); Shaun Wilsonand Andy Kearns (American Family); Gina Minick (Arity); Orlando Machado (formerly of Aviva); CamilleNiberon and Sarah El Marjani (AXA); Tobias Kulzer (BMW); Jacek Szpakiewicz (BNP Paribas Cardif); SeanRingsted (Chubb); Dawn M. Bernatz and Guy A. Russ (Church Mutual); Noriyoshi Hosokawa (Dai-ichiLife); Precious Nduli (Discovery Insure); Eric Schuh (ELEMENT Insurance); Patrick Bewley (EVŌ); TimByrne; Bruno Scaroni, Simon Guest and Stefano Bison (Generali); Pedro A. Bernardo Santos (G-Evolution);Verena Brenner (HDI TH!NX); David Wechsler (Hippo Insurance); John Riggs, Jack Volinski and MarcGoldleaf (HSB/Munich Re); Thomas Koerzdoerfer (HUK Coburg); Chris Dolman and Ben Prangell (IAG);Gianluca Antonini, Renata Jovanovic and Barbaros Oezdemir (IBM); Chris Reid (Intact); Christoph Berlin(Microsoft); Hari Balakrishnan (MIT & CMT); Maurizio Scavazzon (Munich Re); Rudy Mizel (My RiskCommittee); Pete Frey (Nationwide); Matt Poll (Neos); Mamiko Yokoi-Arai (OECD); Gilles Cruyplants(Phil at Home); Xinyu Gong and Zhao Xiaopeng (PICC); Jonathan Larsen and James Garner (Ping An);Andrea Pezzi (Poste Assicura); Bryan Pickel and Maya Zamor (Prudential); Ahmed Banafa (San Jose StateUniversity & Stanford University); Richard De Sousa (SCOR); Tatsuji Ito, Takuya Iwata and Chihiro Kato(Sompo), Craig Isaacs, Jay Hieb, Mike Fields, Paula Lutes, Gregg R. Mecherle and Ryan Gammelgard (StateFarm); Matthew Norcia and Sean Petterson (StrongArm Tech); Veronique Dorval (Sun Life); Amanda