积极性是否会影响保险团结和个人责任?
Alberto Cevolini1, Elena Esposito2
1University of Modena and Reggio Emilia, University of Bologna, Bologna, Italy.
The British journal of sociology
|May 21, 2025
概括
数字保险创新通过使用保单持有人数据来个性化保险. 这可能会提高效率,但有可能破坏集体风险管理和保险团结.
科学领域:
- 保险研究是保险研究.
- 技术与社会 技术与社会
- 风险管理 风险管理
背景情况:
- 由于过去二十年的技术进步,保险行业正在经历重大转型.
- 数字技术越来越多地用于监控保单持有人行为和定制保险政策.
研究的目的:
- 探索使用数字技术用于行为监测和个性化保险的含义.
- 分析数据驱动保险模型的潜在好处和缺点.
主要方法:
- 审查保险行业的技术创新.
- 分析行为数据对保险个性化和风险评估的影响.
- 讨论个性化保险的伦理和社会后果.
主要成果:
- 数字技术使个性化预测和主动保险政策成为可能,促使保险人减轻未来的损害.
- 潜在的好处包括提高效率 (损失比率) 和预测 (风险评估).
- 一个显著的缺点是,人们越来越重视个人责任,这可能会削弱集体风险管理.
结论:
- 虽然数据驱动保险提供了效率提升,但它可能会侵蚀相互保护所必不可少的团结原则.
- 转向个人责任的转变可能会破坏保险的社会功能.
- 需要仔细考虑,以平衡技术创新与保险的核心价值观.
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