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Earth Observation images with in situ data to improve claims management in the property insurance sector

带有现场数据的地球观测图像可改善财产保险行业的索赔管理

基本信息

批准号：
700476
负责人：
金额：
$ 3.09万
依托单位：
INSTANTVIEW LTD
依托单位国家：
英国
项目类别：
GRD Proof of Market
财政年份：
2014
资助国家：
英国
起止时间：
2014 至无数据
项目状态：
已结题

来源：
https://gtr.ukri.org/projects?ref=700476
关键词：
Earth Observation images situ data

项目摘要

Natural catastrophes (CAT) in 2011 were responsible for the highest economic losses inhistory and claimed the lives of 27,000 citizens around the world. Once an insured risk hasmaterialised, the insurer will instruct professional loss adjusters to travel to the crisis area andassess the damage. The loss adjuster’s report will be used to settle a claim with thepolicyholder for repayment of losses or replacement of property.This idea proposes a claim reporting service that uses location-based data, "in situ" reporting,and up-to-date High Resolution Earth Observation (EO) images to speed the collection andanalysis of the event. Insurers may estimate likely losses more rapidly and settle claimsquickly.Relevant EO images / maps would be forwarded to the loss adjusters, potentially usingsatellite communications. The loss adjuster submits the completed information from the tabletdevice and within seconds the insurer may view the claim report via a secure server and webservice.Benefits of the proposed idea include: (a) faster claim handling and improved customerservice; (b) improved knowledge of the unfolding disaster and potential losses; (c) ability tobetter manage responses in real-time; (d) integration with back office systems, loweroperational costs; (e) detailed claim information to improve client propositions, pricing andrisk models.

2011年的自然灾害（CAT）造成了历史上最高的经济损失，夺去了全球27,000人的生命。一旦投保风险成为现实，保险公司将指示专业的损失理算员前往危机区域并评估损失。理赔员的报告将用于解决与保单持有人的索赔，以偿还损失或更换财产。这个想法提出了一个索赔报告服务，该服务使用基于位置的数据、“原位”报告和最新的高分辨率地球观测（EO）图像来加速事件的收集和分析。保险公司可能会更快地估计可能的损失，并更快地解决索赔。相关的EO图像/地图将转发给损失理算员，可能会使用卫星通信。损失理算员从平板设备提交完整的信息，保险公司可以在几秒钟内通过安全服务器和web服务查看索赔报告。建议的好处包括：(a)更快处理索偿及改善客户服务；(b)提高对正在发生的灾难和潜在损失的认识；(c)更好地实时管理响应的能力；(d)与后台系统结合，降低业务费用；(e)详细的索赔信息，以改进客户建议、定价和风险模型。