The Study on Correlation Between Big Data and Insurance Fraud Impact on Insurance Company

• Main Authors: LI, WAN-TING, 李宛庭
• Other Authors: CHIU, JHIH-LING
• Format: Others
• Language: zh-TW
• Published: 2019
• Online Access: http://ndltd.ncl.edu.tw/handle/7r8krm

碩士 === 銘傳大學 === 風險管理與保險學系碩士班 === 107 === In 2005, Taiwan Insurance Institute (TII) estimated the amount of fraudulent compensation accounted for about 10% in the annual insurance claims of Taiwan’s insurance industry, and insurance fraud is more grouping , organizational and professional now, so it make insurance fraud more difficult to verify. Because of the condition, many insurance companies will use the method of reconciliation compensation, and then, the insurance companies will transfer the Increased cost to policyholders by increasing premiums. Ultimately, the entire policyholders suffered losses. When the participants and the methods in insurance fraud become complicated, big data which is a popular issue in every countries in recent years is possible to be a way to overcome the dilemma. In 2018 Las Vegas Consumer Electronics Show (CES), the United States Consumer Technology Association President Gary Shapiro mentioned that big data is a huge thrust in the development of science and technology in the future. Big data industry of the global will develop rapidly in 2018, and it will become an important part of human life and impact on human life deeply. This study wants to find out whether big data is used to detect insurance fraud, and explore the application and problems by visiting insurance companies. If big data technology has not been used, it will explore whether insurance companies will develop in the future and the possible problems. The study found that both property and casualty companies have not developed big data and they think the main problem in the development of big data is the data collection because it is difficult to do, but the two insurance companies’ intentions of developing big data in the future are difference.