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Smart Insurance 4.0 and Virtual Reality in the Insurance Sector

All industries are evolving technologically and in this article we will explain in detail the way in which the insurance industry is evolving thanks to all the technological tools that industry 4.0 provides us. The era of Smart Insurance 4.0 and Virtual Reality.

  1. Virtual Reality, What is it?: In simple terms, virtual reality is a technology that allows us, through scenes and objects (which are pre-designed), to simulate any real-life scenario; immerse ourselves in it through virtual reality glasses and have that 360 lived experience. Let’s imagine these first-time clients who take out a car policy without driving experience, thanks to virtual reality a simple test can be carried out where the client can be immersed in driving scenarios and knowing how the user deals with these scenarios, with the advantage that accidents such as crashes or the loss of life itself would be simulated.
  2. Virtual Reality, How do I implement it?: In order to implement virtual reality, my first recommendation is to have well defined what you want to implement in the company, for example, if you are going to create a driving scenario, it is important to define: the test vehicle, model, series, brand, which streets or roads are going to be represented, how many vehicles we are expecting to be around, etc. Why do I recommend this? Because each change made in virtual reality will generate time and a lot of cost, pre-defining what we are looking for will save us countless setbacks. Current tools for creating virtual reality allow us to model scenarios in 3D as well as program them, with the ease that we can observe their representation in real time.
  3. Virtual Reality, What are insurance companies currently doing with Virtual Reality?: Currently several insurance companies are working on virtual experts that can generate immediate advice when an accident occurs, simulating what happened, guiding the user and thereby improving customer service. Also thanks to virtual reality, some insurers currently allow their clients to experience claims related to their contracted policies. This is not only helping insurance companies to create awareness with their clients, but through these scenarios they are analyzing their behaviors. and personalizing marketing to reduce risks with those people who analyzed are likely to suffer an accident.

Conclusion: The insurance industry is evolving rapidly with this technology, and although very few companies have the financing to implement said technology, it is expected that in at least a couple of years, 20% of companies will have some implementation.

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