Insurance sector mein AI ka usage badh raha hai, lekin log abhi bhi life insurance ke liye insani salah (human advice) ko zyada prefer karte hain. Jo companies AI aur humans ka hybrid model use kar rahi hain, unka premium growth **41%** tak zyada dekha gaya hai.
Kya AI Insurances ko replace kar raha hai?
Bilkul nahi! Industry report kehti hai ki 50% se zyada log aaj bhi life insurance lene se pehle kisi expert se baat karna chahte hain. Trust aur complexity ke mamle mein insani advice ka koi jod nahi hai.
Hybrid Model ka Formula
Success ka secret 'Hybrid Model' hai. Companies jo AI ko sirf backend automate karne ke liye nahi, balki apne advisors ko behtar insights dene ke liye use kar rahi hain, woh 41% zyada premium growth generate kar rahi hain. Matlab, AI advisor ki jagah nahi, balki unka saathi ban raha hai.
Operational Fayde aur Challenges
Underwriting aur fraud detection mein AI kaafi tezi se kaam kar raha hai. Medical reports aur doctor notes ko scan karke policy approval ka time drastically kam ho gaya hai. Lekin, IRDAI ke strict rules, data privacy, aur high implementation costs company ke profit margins par pressure daal sakte hain.
Investors ke liye kya hai?
India ab sirf ek service hub nahi, balki insurance innovation ka center ban raha hai. Investors ko ab ye track karna hoga ki kaunsi insurance companies apne tech investment ka real revenue mein badlav dikha pa rahi hain aur kaun sirf kharcha badha rahi hain.