Everyday Insurtech: Impacts of Emerging Technology for Insurance

该项目旨在调查新兴的保险技术（insurtech）部门，更好地了解它如何利用数字创新来颠覆保险业。该项目预计将对保险技术在澳大利亚的实施和影响进行首次重大实证研究，重点关注汽车，健康和财产保险。预期成果包括对保险技术政策的基本知识，这些知识可以为行业实践和监管政策的干预提供信息。该项目带来的好处包括确保避免保险技术的风险（例如不公平的歧视和有针对性的监视），同时为澳大利亚人实现更有效和高效的保险服务的积极好处。

This project aims to investigate the emerging insurance technology (insurtech) sector, better understanding how it uses digital innovations to disrupt the insurance industry. This project expects to conduct the first major empirical study of insurtech's implementation and impacts in Australia, with a focus on automotive, health, and property coverage. Expected outcomes include essential knowledge on the politics of insurtech that can inform interventions into industry practice and regulatory policy. Benefits resulting from this project include ensuring risks of insurtech are avoided (e.g. unfair discrimination and targeted surveillance), while realising positive benefits of more effective and efficient insurance services for Australians.