AI a cikin Gudanar da Da'awar
AI tana sarrafa yadda masu insurer ke karɓar, kimantawa, da biyan da'awar - karanta takardu, ƙididdige lalacewa daga hotuna, da nuna zamba.
Dubawa
It matters because faster, more consistent claims handling can turn a weeks-long ordeal into minutes while cutting costs and errors.
Zurfafa nutsewa
Lokacin da kuka shigar da da'awar inshora - don haɗarin mota, ginshiƙi mai ambaliya, ko lissafin likita - a al'ada yana motsawa ta hanyar jinkirin jerin masu daidaitawa, takarda, da bita na hannu. AI yana matsawa wannan. Gane halayen gani da sarrafa harshe na zahiri suna fitar da bayanai daga hotunan rasidu, rahoton 'yan sanda, da fom ɗin da aka rubuta da hannu. Hangen kwamfuta yana kimanta farashin gyara kai tsaye daga hotuna masu lalacewa. Da'awar hanyar ƙirar ƙira: masu sauƙi, masu ƙarancin haɗari za a iya amincewa da su ta atomatik ('aiki kai tsaye'), yayin da masu rikitarwa ko masu tuhuma ke zuwa wurin mutane. Samfuran gano zamba suna kwatanta kowane da'awar da ƙirar sanannun zamba. Sakamakon biyan kuɗi shine saurin (wasu da'awar auto suna daidaitawa cikin mintuna), daidaito (ƙananan bambance-bambancen masu daidaitawa-zuwa-daidaitacce), da ƙananan 'kuɗin daidaita asarar' - kodayake masu insurer dole ne su kiyaye kan ƙaryata ingantacciyar da'awar.
Fahimtar Fasaha
Bututun ya haɗa nau'ikan samfura da yawa. Takardun AI (OCR da NLP) yana ƙididdige abubuwan da ba a tsara su ba cikin filaye da aka tsara. Samfurin hangen nesa na kwamfuta, galibi cibiyoyin sadarwa na jijiyoyi da aka horar da su akan miliyoyin hotuna masu lahani, suna rarrabuwa tsanani da kimanta farashi. Rarraba haɗari/ zamba yana ƙididdige abubuwan da ba su dace ba - hotuna kwafi, tambura marasa daidaituwa, adadin da bai dace da lalacewa ba. Injin yanke shawara sai ya shafi dokokin kasuwanci don amincewa da kai-da-kai, neman ƙarin bayani, ko haɓaka. Ƙara, manyan samfuran harshe suna taƙaita fayilolin da'awar da daftarin bayanin kula masu daidaitawa.
Dabarun Tasiri
Mahallin da dokoki
Halin masana'antu yana ƙayyade ko ra'ayoyin AI sun tsira hulɗa da gaskiya.
Kula da inganci
Matsakaicin yanki yana tasiri karɓaɓɓun ƙimar kuskure da ƙirar sa ido.
Gina zaɓuɓɓuka
Nasarar tura kayan aiki sun daidaita iyawar fasaha tare da ayyukan aiki na gaba.
Makomar AI a cikin Gudanar da Da'awar
Iƙirarin da ba a taɓa taɓawa ba - inda AI ke sarrafa komai daga sanarwar farko na asara zuwa biyan kuɗi ba tare da sa hannun ɗan adam ba - zai faɗaɗa don lokuta na yau da kullun, ƙananan ƙima. Lemonade ya fito bainar jama'a ya yi ikirarin an biya a cikin dakika guda. Yi tsammanin haɗin kai tare da telematics (bayanan tuki) da na'urori masu auna firikwensin IoT (masu gano ruwan ruwa) don haka ana jawo da'awar kuma an tabbatar da su ta atomatik. Generative AI zai tsara sadarwar abokin ciniki kuma ya kula da tambayoyin layi na farko. Masu gudanarwa za su binciki son zuciya da musun kuskure, don haka 'mutum a cikin madauki' zai kasance mai zama tilas ga jayayya ko da'awar babban gungu.
Aiwatar da Gaskiyar Duniya
Lemonade's AI bot 'AI Jim' ya biya wasu masu haya/kiran gida a cikin ƙasa da daƙiƙa uku ta hanyar bincika da'awar ta adawa da dokokin hana zamba.
Masu inshorar mota suna amfani da hangen nesa na kwamfuta (misali, Tractable, CCC) don kimanta farashin gyaran abin hawa daga hotunan wayar salula na lalacewa.
Masu inshorar lafiya suna amfani da NLP don karanta lambobin likita da bayanin kula, yanke hukunci ta atomatik da'awar yau da kullun da nuna kurakuran coding.
Samfuran zamba suna nuna alamun zato kamar hoton lalacewa iri ɗaya da aka ƙaddamar a cikin iƙirari da yawa ko hanyoyin sadarwar haɗari.
Hatsari & Tsare-tsare
Bukatun tsari na iya ɓata in ba haka ba ƙaƙƙarfan samfuri.
Bayanan tarihi na iya ɓoye son zuciya da ke cutar da takamaiman al'ummomi.
Tsarin gado na iya haifar da ƙullun haɗin kai da ɓoyayyun farashi.
Taswirar Hanya
Haɗa ƙwararrun yanki daga tsara matsala zuwa ƙima.
Zane hanyoyin duba da takaddun kafin ƙaddamarwa.
Tabbatar da yarda da wajibai na aminci da wuri.
Fitar a cikin matakai tare da bayyanannen ma'auni na tsayawa da juyawa.
Ci gaba da Bincike
Free newsletter
Get the daily AI briefing
Three verified AI stories every weekday morning, written in plain English. Free forever, no ads.
One email each weekday. Unsubscribe in one click. We never sell or share your address.
Test yourself
Take the AI in Claims Processing quiz
Instant feedback on every answer, and a shareable certificate with a verifiable ID once you pass a course.
Support free AI education. AI Understanding is a 501(c)(3) nonprofit — no ads, no paywall, ever. Make a donation
Jagora na gaba
Point Cloud Processing
Tambayoyin da ake yawan yi
What is AI in Claims Processing?
AI tana sarrafa yadda masu insurer ke karɓar, kimantawa, da biyan da'awar - karanta takardu, ƙididdige lalacewa daga hotuna, da nuna zamba. Yana da mahimmanci saboda sauri, ƙarin da'awar da'awar na iya juyar da wahala ta tsawon makonni zuwa mintuna yayin yanke farashi da kurakurai.
Menene ma'anar 'sarrafa kai tsaye' wajen sarrafa da'awar?
Yin aiki kai tsaye yana ba da damar ƙarancin haɗari, ingantaccen ƙididdiga da'awar da za a amince da su kuma a biya su ta atomatik, adana masu daidaitawa na ɗan adam don lamurra masu rikitarwa ko masu tuhuma.
Ta yaya hangen nesa na kwamfuta ke taimakawa wajen da'awar inshora ta mota?
Samfuran hangen nesa da aka horar akan miliyoyin hotuna masu lalacewa na iya rarrabuwa tsanani da kimanta farashin gyara kai tsaye daga hotunan wayoyi.
Menene aikin OCR da NLP a farkon bututun da'awar?
OCR da NLP suna juyar da abubuwan da ba a tsara su ba - fom ɗin da aka rubuta da hannu, hotuna na rasidu, rahotannin 'yan sanda - zuwa wuraren da aka tsara sauran bututun na iya amfani da su.
Wanne daga cikin waɗannan jajayen tuta ne samfurin gano zamba zai iya kamawa?
Hotunan kwafin, tambura marasa daidaituwa, da adadin da bai dace da lalacewar da ake iya gani ba sune na yau da kullun na zamba suna siginar ƙima a matsayin rashin daidaituwa.
Wane kamfani ne aka sani don biyan wasu da'awar a cikin daƙiƙa ta hanyar AI bot?
Lemonade's AI Jim bot ya fito fili ya yi iƙirarin amincewa da biyan wasu buƙatu cikin ƙasa da daƙiƙa uku bayan binciken zamba.