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Report "Artificial Intelligence, Insurance & Solidarity" - January 2020

Artificial intelligence is an incomparable tool for personalizing offers, products and prices accordingly to the customers. In the frame of the mandate of the newly created International Panel on Artificial Intelligence (IPAI), and in the context of of the 100 days deadline set by the European Commission to regulate AI, it is important to check that this customization does not turn into individualism and that it is not likely to harm society as a whole.

The insurance sector is an excellent laboratory in this area: data is at the heart of this business. AI therefore offers many new opportunities, but the segmentation of customers risks undermining solidarity amongst individuals, a key element of our social contract.

The report to be presented to members of the cabinet of Commissioner Mariya Gabriel on January, 22nd and to the French Minister of State for the Digitral Sector Cedric O on January 23rd is the result of an interdisciplinary approach in Europe and Canada, bringing together representatives of major insurance companies, regulators, technology developers and academics. Coordinated by the Human Technology Foundation, an independent European non-profit organization, it offers structuring principles, good practices for those involved in the sector and elements that can fuel reflection on the draft law.

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