• Peng Yong

• pengyong@zhongan.com

InsurTech Practices of ZhongAn Motor Insurance

— CONTENTS —

Features

Solutions

Prospects

01Features

1.1 Zhongan Moter Insurance Features

Drivers

Tech-driven and Online

Deal with problems with technology

win-win

win-win ecosystem(data

ecosystem/technology ecosystem/

business ecosystem)

Different

Value-added and customer-oriented

Cost-effective

Accurate & fair & Dynamic pricing

02Our Practices in AI

2.1 Big Data Union——Data Ecosystem

Chronicle of Events

block chains establishmentlaunch the union

2017.9 2017.10

1000+ features co-work the first project

big data insurance pricing

2017.11

data size: 20 million+

members: 17+

2018.3 2018.9

deal with common issuesCo-work

Copy

pattern

the pattern to the whole industry

Significa

nce

2.2 Magic Data Cube——One Service Platform

Customer Insight

Precision Marketing

Policy Renew Management

CRM

Product Recommendations

Data Application

Pricing

Customer Reach

Data Insights

Insurance

Government

Used-car

Financing Institution

After-sale

OEM Transportation

Big Data

Gender

Age

Height

Body Shape

Marital Status

Debt

Children

Property

Credit

Claims

Income

Policy renew

Buying

power

Auto price

Auto type

Auto age

Endorsements

Occupation

Price sensitive

Drive score

Data Collection Data Cube Data Products

Drivers

2.3 Moter Insurance Pricing Innovation

Traffic Warning Systems driven by AI

Time Distances: 2s

Traffic warning systems

Lane departure warning system

Pre-collision warning system

Pedestrian monitoring & warning system

Driving Behaviors

Traffic Conditions

UBI

Traffic warning

Driver safety management

Auto Information

2.4 Voice Quality Test

AI-enabled

Explainable & Accessible

Realtime Score

Voice Quality Test

2.5 Intelligent Rostering System

Pridict telephone traffics with AI algorithms

Compute labor ability and total requirements in a

certain period with AI algorithms

Allocate resources wih round robin method, the flow

chart is shown in right.

Generate and Adjust the rostering table

03Prospects

Data-oriented

AI needs large quantities of data to achieve excellent performance

AI is not everything

AI will be regarded as infrastructure but can not resolve all issues

AI is specially appropriate to the scenario with large quantities of communication

Penetrate and Face

Penetrate and face dicrectly to key challenges

Think

New ways of think

Cultivate

Iteration and optimization

3.1 Prospects

THANKS!

Wechat

pengyong@zhongan.com