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INTERNET OF THINGSAND INSURANCE
Insurance Breakfast, 18th of September 2015, Brussels
technologies.comarch.comCopyright © 2015 Comarch Technologies 2
What is Internet of ThingsInsurance Breakfast
Growing number of connected devices
(Big) Data gathered by the connected devices enable new services
Automation of daily life
Automation of industrial processes
Environmental impact & Energy optimization
technologies.comarch.comCopyright © 2015 Comarch Technologies 3
Where does it fit in insurance
Insurance Breakfast
TELEMATICSWhere does IoT fit in insurance
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Where does IoT fit in insurance – TELEMATICS
Insurance Breakfast
Premiums calculated on drivingstyle and history
Full insight into vehicleperformance
Dedicated devices or smartphone apps as data source
For business and individuals
technologies.comarch.comCopyright © 2015 Comarch Technologies 6
Where does IoT fit in insurance – TELEMATICS – Pay as you drive
Insurance Breakfast
Data are gathered by sensors
and apps and shared with
Insurance Company for
calculating or verifying
premiums.
Comarch role in PAYD solution:
- Vendor of apps and
telematics devices
- Integrated Platform to
manage the data
- Integrator
Insurance Company
Central System
Maps and Navigation
System Providers
Tracking System
Providers
3rd party Application
Manufacturers
Nationwide Central
Mileage System
OEM
(Car manufacturer)
SMART HOMEWhere does IoT fit in insurance
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Where does IoT fit in insurance – SMART HOME
Insurance Breakfast
Risks management and mitigation
Smarter underwriting
Closer relationship with customers
Tailored offering
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Where does IoT fit in insurance – SMART HOME
Insurance Breakfast
More data for claims adjustment
Predictive maintenance scenarios
Informative actions
SMART HEALTHCAREWhere does IoT fit in insurance
technologies.comarch.comCopyright © 2015 Comarch Technologies 11
Where does IoT fit in insurance – SMART HEALTHCARE
Insurance Breakfast
technologies.comarch.comCopyright © 2015 Comarch Technologies 12
Where does IoT fit in insurance – SMART HEALTHCARE
Insurance Breakfast
Dedicated wearables to monitor and search for injured
Wearables to monitor people with special care (location, falldetection)
Sophisticated offers of insurancepolicies
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Where does IoT fit in insurance – SMART HEALTHCARE
Insurance Breakfast
Integrated data coming from wearables and fit monitoring apps
Insurer application installed on wearables or smartphones to collect health data
Scenarios to calculate or verifypremiums
SMART SECURITYWhere does IoT fit in insurance
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Where does IoT fit in insurance – SMART SECURITY
Insurance Breakfast
technologies.comarch.comCopyright © 2015 Comarch Technologies 16
Where does IoT fit in insurance – SMART SECURITY
Insurance Breakfast
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Insurer role in IoT
Insurance Breakfast
Data Security
Data Privacy
Connectivity
Performance
Integrations
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Insurer role in IoT – Unified IoT Platform, Connectivity and Devices
Insurance Breakfast
technologies.comarch.comCopyright © 2015 Comarch Technologies 19
Insurance Breakfast
Insurer role in IoT – Unified IoT Platform integrated with Domain Systems
IoT platform
Connectivity
Use scenarios
Data analysis
Security
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Insurer role in IoT – Data Privacy
Insurance Breakfast
technologies.comarch.comCopyright © 2015 Comarch Technologies 21
COMARCH – Unique partner in building innovative solution for Insurance
Insurance Breakfast
Mobile Apps
Internet of Things
Automotive projects
Insurance domain
products
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Having the right partner in IoT world really counts
Insurance Breakfast
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Thank You!
Szymon Uczciwek
Consulting Director, Internet of Things
+48 691 464 [email protected]