《智能保险：以人工智能驱动数智化转型新蓝图》英

KPMG InternationalIntelligent insuranceA blueprint for creating value through AI-driven transformationKPMG. Make the Difference.kpmg.com/intelligentinsuranceContents03Foreword21Second phase: Embed04At a glance26Third phase: Evolve08Research findings32Methodology05Introduction28Key considerations16First phase: Enable11Building the intelligent insurer33KPMG: Guiding your AI transformation with experience and trust© 2025 Copyright owned by one or more of the KPMG International entities. KPMG International entities provide no services to clients. All rights reserved.Intelligent insurance: A blueprint for creating value through AI-driven transformation | 2AI has been a part of the insurance industry for some time, but its adoption varies significantly based on insurance type, geography and the distinction between legacy insurers and insurtech disruptors. The emergence of generative AI, along with the next wave of autonomous and agentic AI systems, is unlocking entirely new possibilities for innovation across the sector. However, while some insurers are doubling down on AI investment to drive competitive advantage, others remain cautious, either due to regulatory concerns, legacy constraints, or uncertainty about AI’s long-term impact on their business models. This growing divide between AI leaders and more conservative adopters will shape the future trajectory of AI-driven transformation in insurance. AI adoption in life and non-life insurance for example differs considerably. Non-life insurers, dealing with high-frequency claims in areas like auto and home insurance, have been using AI primarily for “back office” functions such as fraud detection, real-time risk assessment, automated claims processing and dynamic pricing. Their focus is on speed and operational efficiency, using structured external data such as telematics, Internet of things (IoT) and geospatial risk analysis. ForewordAI is more than a technology investment for insurers — it is a transformative catalyst for redefining strategy, culture and operations. To fully unlock its potential, insurers must overcome inertia, embrace its possibilities and embed AI as a core driver of customer-centric and sustainable growth. Frank Pfaffenzeller Global Head of Insurance KPMG InternationalIn contrast, life insurers managing long-term risks rely on biometric, medical and behavioral data to assess longevity and morbidity. AI is revolutionizing their underwriting processes by automating risk segmentation, integrating electronic health records and utilizing predictive analytics to refine policy pricing and assessment. Life insurers are integrating wearable data and wellness tracking to personalize policy pricing, rewarding healthy behaviors. AI is also improving claims automation by identifying fraud, analyzing death certificates and streamlining payouts through machine learning. Beyond underwriting and claims, AI is transforming longevity modeling and regulatory compliance in life insurance. Predictive