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Ipsos Update – April 2023
Sustainability, happiness, democracy… Ipsos Update explores the latest and greatest research & thinking on key topics from Ipsos teams around the world.
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Ipsos Update – December 2021
This month’s edition features stories on how global values are shifting, international threats and responses, the COP26 climate change conference, today’s retail environment, and perspectives on women’s experiences.
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顛覆你想像的保險
以保費為例，因為有了科技協助，「動態保費」的時代也跟著來臨了。未來保險商品也能個人化。目前只根據性別、年齡來計算保費高低。未來透過大數據，將改變過去使用「平均值」來計算保費的方式，而是依照個人行為所產生的風險大小計算出費率之別，讓保單設計轉變成「以人計費、一人一價」。
With help of technology, the premiums may also be priced individually. In the future, it is possible that insurance products become more tailored to meet individuals. At the moment, premiums are based on gender and age. With big data, the cost of premium can be calculated by past averages associated with personal behaviors and risks. In another word, for the same policy, each of the insured pays a different fee.