The Role of InsurTechs in Insurance Value Proposition: The Case of Artificial Intelligence

The emergence of InsurTechs has significantly transformed the insurance landscape, leveraging innovative technologies to enhance the value proposition of traditional insurance models. This paper explores the pivotal role of Artificial Intelligence (AI) within InsurTechs, examining how AI-driven solutions are reshaping customer experiences, risk assessment, and operational efficiencies. By analyzing case studies and industry data, we highlight key applications of AI, including predictive analytics, automated claims processing, and personalized product offerings. Furthermore, we discuss the implications of these advancements for both consumers and insurers, emphasizing the potential for improved accessibility, affordability, and customer engagement. This study aims to provide insights into the strategic integration of AI in InsurTechs and its impact on the future of the insurance industry.

کلیدواژه ها:

InsurTechs ، AI ، Value Proposition ، Insurance Operation