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1. Has blockchain technology been applied to the insurance industry?

Recently, Qulian Technology and China Life Property & Casualty Insurance have strengthened cooperation to promote the development of the insurance industry empowered by technology. Hold talks and reach strategic cooperation. Both parties will give full play to the innovative potential of "technology + insurance", introduce blockchain technology into insurance, actively carry out insurance innovation, expand the effective supply of insurance, and promote the upgrading of local social governance and economic transformation and upgrading

2. Advantages of blockchain insurance

The problem of fraudulent insurance has always been a shortcoming of the traditional insurance industry. Whether it is malicious deception by policyholders or insurance institutions using information asymmetry to deceive policyholders, these are all This is a problem that does exist in the insurance industry and is difficult to solve.

If blockchain technology is combined with the insurance industry and the open and transparent nature of blockchain technology is used, fraud that takes advantage of information asymmetry will be effectively prevented. You can also use the non-tampering and traceability characteristics of blockchain technology to effectively preserve contract terms and provide a true and reliable basis for claims settlement.

Insurance and Blockchain

And in blockchain insurance, there is no need to pay a large amount of business operating costs. In traditional insurance, funds are used extremely inefficiently. If it is changed to a blockchain insurance model, there will be a situation where the insured amount is extremely low but the claim amount is extremely high.

The above are the advantages of blockchain insurance. I hope it can help everyone understand why blockchain insurance is so valued.

3. Application of blockchain in the insurance industry

Although the application of blockchain technology in the insurance industry is mostly in the technical verification stage, the rapid development of application scenarios already indicates that the technology will Have a transformative impact on the insurance industry. Some IT giants such as Microsoft, IBM, Oracle, Alibaba, Tencent, etc. have begun to deploy in the field of blockchain, and some have even launched products or services based on blockchain technology.
According to the "In-depth Analysis Report on Business Model Innovation and Investment Opportunities in China's Blockchain Industry" by the Qianzhan Industry Research Institute, the current application of blockchain in the domestic and foreign insurance industry mainly falls into the following categories: Category 1 It uses blockchain technology to complete insurance contracts in accordance with established rules when a certain condition is triggered when the data is dispersed at multiple points, such as flight delay insurance, unemployment insurance, etc.; the second category is the field of reinsurance and co-insurance , in the transaction matching and settlement of reinsurance and co-insurance business, blockchain is used to enhance the efficiency and transparency of transactions and settlement; the third category is used to track the production/growth process of commodities, using the traceability of blockchain The characteristics are used to track the farming process of agricultural products or the production and circulation of valuables.
In the long run, the application of blockchain in the insurance industry has broad development prospects and numerous business convergence points, and is very likely to bring about revolutionary and disruptive changes.

Extended reading: [Insurance] How to buy, which one is better, and step-by-step instructions to avoid these "pitfalls" of insurance

4. What applications can blockchain technology have in the insurance industry?

Blockchain technology also has incomparable advantages in the insurance industry. From the perspective of data management, the application of blockchain technology by insurance companies can effectively improve risk management and control capabilities, including the risk supervision of insurance companies and the risk management of policyholders.

The application of blockchain technology in the insurance industry can strengthen the internal risk supervision of insurance companies. Blockchain technology can record the daily operating processes of insurance companies on nodes, and can achieve in-process control over the company's capital flow, investment status, compensation payments and other businesses, and improve the company's risk management and control capabilities.

In addition, blockchain technology is safe, reliable, and cannot be tampered with at will, ensuring that the information obtained by the policy holder is true and effective, thereby enhancing the policy holder's risk management capabilities.

5. The use of blockchain technology can really solve the current situation of online mutual insurance

In the daily business of insurance companies, although transactions are not as frequent as those in the banking and securities industries, But the reliance on trusted data continues unabated. Therefore, using blockchain technology from the perspective of data management can effectively help insurance companies improve their risk management capabilities. Specifically speaking, it is mainly divided into risk management of policyholders and risk supervision of insurance companies.
Policyholder Risk Management
In today's insurance operations, disputes between insurance companies and policyholders often occur. Either the policyholder provides false personal information to defraud the insurance, or the exemption clause is used when settling a claim. There are differences in the identification. The key to these problems lies in the lack of an authentic and credible data collection and storage method for the personal information of policyholders.
With the advancement of national systematic projects such as the digitization of medical information and personal credit reporting systems, more and more authoritative data sources appear. If these data can be introduced and stored on the blockchain, it will become Along with each person's digital identity, the data on this is authentic and trustworthy, cannot be tampered with, is synchronized in real time, and is valid for life, which will bring great benefits to the risk management of policyholders.
First, it is to connect the data between different companies and refer to each other, so as to timely discover information such as repeated insurance and historical claims, and timely identify high-risk users. Take the fraudulent accidental injury insurance claim of RMB 40 million in March this year as an example. Zhou from Yangzhou purchased insurance from more than ten life insurance companies, but was not discovered until manual underwriting. If every insurance information he applies for is recorded in the blockchain, it can be discovered quickly and measures can be taken in a timely manner.
Second, introducing data from different industries into the blockchain can improve the accuracy and efficiency of underwriting and claims verification. To give an example of critical illness insurance, if all the medical treatment records of the policy holder and even the medical records of immediate family members can be queried on the blockchain, we will have a first-hand understanding of the policy holder’s current physical condition, disease history, and family medical history. information, effectively preventing you from taking out insurance while you are sick.
Risk supervision of insurance companies
During the operation of insurance companies, risks occur from time to time due to various reasons.Regulatory agencies can only take measures to review beforehand or restrict after the fact. However, as the front end of the insurance business becomes increasingly open and the companies participating in the insurance market become more and more diversified, the need for in-process supervision becomes increasingly prominent. In the author’s opinion, blockchain technology is one of the effective technical means for ongoing supervision. As long as the insurance company moves its daily operational processes to the blockchain and develops an accounting node (even a read-only accounting node) to the regulatory agency, the regulatory agency can observe all the business trends of the insurance company in real time. For example, capital flow and investment composition, product underwriting and compensation data, major personnel and management operations, etc. do not need to wait for insurance companies to declare afterwards, so that possible business risks and illegal operations can be discovered in a timely manner.
On this basis, regulatory agencies can also use big data technology to analyze and predict the national insurance market, timely discover and prevent possible systemic risks, or discover potential protection needs and trends, thereby Provide better protection for the people.
At present, the first domestic blockchain startup company Abbots Financial Technology Company launched the first project Tongxin Mutual Assistance, which uses network mutual assistance as the entry point to continuously promote the application and development of blockchain technology in China. Technically, through blockchain and big data technology, we can eliminate the shortcomings of the traditional network mutual aid model and establish an open and transparent new network mutual aid platform.

6. What are the platform applications of blockchain insurance in China

Blockchain technology has been applied to the art industry, legal industry, development industry, real estate industry and insurance industry.
Tongshe Huzhu is currently the first online mutual aid platform in China that applies blockchain technology. Based on the traditional mutual aid platform, with the help of blockchain technology, it realizes decentralized information sharing, innovatively achieves comprehensive and transparent operations, and provides Volkswagen builds a fair, just, open, safe and efficient open mutual aid information service platform.

It may be applied to more industries in the future.

7. What can blockchain technology solve when applied to the insurance industry

To answer this question, let’s first introduce the core technology of blockchain and the current problems in the insurance industry.

Introduction to the core technology of blockchain
Blockchain mainly solves the trust and security issues of transactions, so it proposes four technological innovations to address this issue:
The first It is called a distributed ledger, which means that transaction accounting is completed by multiple nodes distributed in different places, and each node records a complete account, so they can all participate in supervising the legality of the transaction and can also jointly testify for it. . Different from traditional centralized accounting solutions, no node can record accounts independently, thus avoiding the possibility of a single accounting person being controlled or bribed to record false accounts. On the other hand, since there are enough accounting nodes, theoretically, the accounts will not be lost unless all nodes are destroyed, thereby ensuring the security of the accounting data.
The second one is called pairCalled encryption and authorization technology, transaction information stored on the blockchain is public, but account identity information is highly encrypted and can only be accessed with authorization from the data owner, thus ensuring data security and personal privacy. privacy.
The third one is called the consensus mechanism, which is how all accounting nodes reach a consensus to determine the validity of a record. This is both a means of identification and a means of preventing tampering. Blockchain proposes four different consensus mechanisms, which are suitable for different application scenarios and strike a balance between efficiency and security. Taking Bitcoin as an example, it uses proof of work. Only when more than 51% of the accounting nodes in the entire network are controlled, it is possible to forge a non-existent record. When there are enough nodes joining the blockchain, this is basically impossible, thus eliminating the possibility of fraud.
The fourth technical feature is called smart contracts. Smart contracts are based on these trustworthy and non-tamperable data and can automatically execute some predefined rules and terms. Take insurance as an example. If everyone's information (including medical information and risk occurrence information) is true and trustworthy, it will be easy to automate claims settlement in some standardized insurance products.

Policyholder Risk Management
In today’s insurance operations, disputes between insurance companies and policyholders often occur. Either policyholders provide false personal information to defraud insurance, or they settle claims. At that time, there were differences in the determination of the exemption clause. The key to these problems lies in the lack of an authentic and credible data collection and storage method for the personal information of policyholders.
With the advancement of national systematic projects such as the digitization of medical information and personal credit reporting systems, more and more authoritative data sources appear. If these data can be introduced and stored on the blockchain, it will become Along with each person's digital identity, the data on this is authentic and trustworthy, cannot be tampered with, is synchronized in real time, and is valid for life, which will bring great benefits to the risk management of policyholders.
First, it is to connect the data between different companies and refer to each other, so as to timely discover information such as repeated insurance and historical claims, and timely identify high-risk users.
Second, introducing data from different industries into the blockchain can improve the accuracy and efficiency of underwriting and claims verification. To give an example of critical illness insurance, if all the medical treatment records of the policy holder and even the medical records of immediate family members can be queried on the blockchain, we will have a first-hand understanding of the policy holder’s current physical condition, disease history, and family medical history. information, effectively preventing you from taking out insurance while you are sick.
For example, Tongxinhuzhu, the first network mutual aid platform in China that uses blockchain technology as its core, uses blockchain technology to achieve decentralized information sharing based on traditional mutual aid platforms and innovatively achieve comprehensive and transparent operations. , to build a fair, just, open, safe and efficient open mutual aid information service platform for the public.

8. Is blockchain + mutual insurance a new model of domestic online mutual aid?

To be honest, blockchain+ Mutual aid insurance is a new model of domestic online mutual aid. Among them, online mutual aid is the origin of insurance. It has been popular abroad for a long time and is considered a new model in China. It is a complementary form to traditional insurance. Currently, the network mutual aid platforms for blockchain applications include Tongxin Huzhu (which is regarded as the first domestic blockchain project with real application) and Shuidi Huzhu (also a platform based on blockchain technology, but I don’t know where it will be used).
Blockchain technology is a new technology, and it is currently most widely used in the financial industry. I heard that IBM wants to apply blockchain technology to banks, which is very popular now. Technology is a hard condition, and other things are mutually reinforcing.