The main application scenarios of insurance technology empowerment are divided into three aspects. The first is to use artificial intelligence and big data technology for risk assessment and pricing, such as auto insurance pricing based on vehicle driving data and medical insurance pricing based on health data. The second is to use blockchain technology to improve the efficiency and security of insurance claims, such as real-time storage of claims records in blockchain to achieve rapid claims. The third is to improve insurance sales and customer service experience by using the Internet and mobile technology, such as using mobile terminals to realize insurance sales and online claims service.
Future insurance technology empowerment has broad application prospects. The application of big data will help insurance companies to accurately price, reduce the cost of insurance companies and improve profitability; Artificial intelligence will become the core competitiveness of insurance companies. At the same time, the application of insurance technology empowerment also faces many challenges, such as security issues and industry regulatory policies. In order to promote the further development of insurance technology empowerment, insurance companies need to strengthen technology research and development and cooperation, and at the same time strengthen industry supervision and legal compliance control of data use.