1. By decision type (the 23 company cases)
Underwriting and pricing (11)
- Australia - QBE Insurance Group: generative-AI assistants for underwriters
- Canada - Intact Insurance Company: machine-learning pricing in Quebec personal lines
- Hong Kong - Prudential Hong Kong Limited: the AI Underwriter used at the point of sale
- Japan - Meiji Yasuda Life: an AI risk-prediction model in life underwriting
- Switzerland - Swiss Re: Life Guide Scout, a generative-AI underwriting assistant supplied to client insurers
- United Arab Emirates (DIFC) - Atradius (DIFC): AI models that process credit-limit applications
- United Arab Emirates (mainland) - Sukoon Insurance: AI measurement of applicants' health metrics in life underwriting
- United Kingdom - Aviva: a generative-AI tool that summarises GP reports for underwriters
- United States (California) - Roadzen: an AI underwriting platform and a California managing general underwriter
- United States (Colorado) - Ethos Technologies: one underwriting engine serving several carriers
- United States (New York) - Lemonade Insurance Co.: AI in underwriting
- India - ICICI Lombard: generative AI in health insurance claims
- Malaysia - Allianz Malaysia: a generative-AI health claims co-pilot
- Peru - Pacífico Seguros: AI resolving and paying claims
- Saudi Arabia - Tawuniya: an AI model that approves medical pre-authorisations
- Singapore - MSIG Insurance (Singapore): automatic approval and payment of travel claims
- South Korea - Samsung Fire & Marine: the AI Medical Review claims system
- Taiwan - Cathay Century Insurance: AI in fraud identification and compensation standards
- United States (Texas) - Evolent Health: AI in utilization review
- China - ZhongAn Online: the Lingxi AI platform in underwriting and claims
- Germany - ERGO Group: an AI phonebot through which its customer calls run
- Malta - MAPFRE Malta: the Emma customer chatbot
- Qatar - QIC Group: AI systems built at group level and run by the Doha insurer
The rule names reinsurers, or an insurance class that includes them (6): Bermuda · Cameroon · Germany · Indonesia · Malaysia · Nigeria
The rule reaches any firm, reinsurers included, by what the firm does or by a wider group it belongs to (8): Canada (Quebec) · Cayman Islands · Ireland · Japan · Luxembourg · Peru · South Africa · United Arab Emirates (DIFC)
Each entry's "Who these rules reach" block gives the words of the rule.
3. Questions put to a regulator (15)
Where no firm's own published account could be tested, the entry puts its question to the regulator instead:
Bahrain · Bermuda · Cameroon · Cayman Islands · European Union · Indonesia · Ireland · Israel · Luxembourg · Mauritius · Nigeria · Pakistan · South Africa · Thailand · United States (Federal)
4. Start from your role
- Heads of Underwriting, Pricing and Chief Actuaries: section 1, underwriting and pricing.
- Heads of Claims, Fraud and Medical Review: section 1, claims.
- Heads of Distribution, Customer Experience and Conduct: section 1, AI agents that deal with customers.
- Reinsurers, Group CROs and Heads of Delegated Authority: section 2.
- Data Protection Officers: Cameroon, Canada (Quebec), Mauritius, South Africa and the United Arab Emirates (DIFC), where the rule is a data-protection rule on automated processing or autonomous systems.