Presentation about how the IoT can be applied in the Insurance sector (eHealth, wearables, telematics, connected cars, connected homes...). Presentation held by Szymon Uczciwek at Comarch Benelux Insurance Breakfast on the 18th of September in Brussels.

1. INTERNET OF THINGS
AND INSURANCE
Insurance Breakfast, 18th of September 2015, Brussels

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What is Internet of Things
Insurance Breakfast
 Growing number of connected
devices
 (Big) Data gathered by the
connected devices enable new
services
 Automation of daily life
 Automation of industrial
processes
 Environmental impact & Energy
optimization

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Where does it fit in insurance
Insurance Breakfast

4. TELEMATICS
Where does IoT fit in insurance

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Where does IoT fit in insurance – TELEMATICS
Insurance Breakfast
 Premiums calculated on driving
style and history
 Full insight into vehicle
performance
 Dedicated devices or smartphone
apps as data source
 For business and individuals

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Where does IoT fit in insurance – TELEMATICS – Pay as you drive
Insurance Breakfast
Data are gathered by sensors
and apps and shared with
Insurance Company for
calculating or verifying
premiums.
Comarch role in PAYD solution:
- Vendor of apps and
telematics devices
- Integrated Platform to
manage the data
- Integrator
Insurance Company
Central System
Maps and Navigation
System Providers
Tracking System
Providers
3rd party Application
Manufacturers
Nationwide Central
Mileage System
OEM
(Car manufacturer)

7. SMART HOME
Where does IoT fit in insurance

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Where does IoT fit in insurance – SMART HOME
Insurance Breakfast
 Risks management and
mitigation
 Smarter underwriting
 Closer relationship with
customers
 Tailored offering

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Where does IoT fit in insurance – SMART HOME
Insurance Breakfast
 More data for claims adjustment
 Predictive maintenance scenarios
 Informative actions

10. SMART HEALTHCARE
Where does IoT fit in insurance

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Where does IoT fit in insurance – SMART HEALTHCARE
Insurance Breakfast

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Where does IoT fit in insurance – SMART HEALTHCARE
Insurance Breakfast
 Dedicated wearables to monitor
and search for injured
 Wearables to monitor people with
special care (location, fall
detection)
 Sophisticated offers of insurance
policies

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Where does IoT fit in insurance – SMART HEALTHCARE
Insurance Breakfast
 Integrated data coming from
wearables and fit monitoring
apps
 Insurer application installed on
wearables or smartphones to
collect health data
 Scenarios to calculate or verify
premiums

14. SMART SECURITY
Where does IoT fit in insurance

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Where does IoT fit in insurance – SMART SECURITY
Insurance Breakfast

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Where does IoT fit in insurance – SMART SECURITY
Insurance Breakfast

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Insurer role in IoT
Insurance Breakfast
 Data Security
 Data Privacy
 Connectivity
 Performance
 Integrations

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Insurer role in IoT – Unified IoT Platform, Connectivity and Devices
Insurance Breakfast

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Insurance Breakfast
Insurer role in IoT – Unified IoT Platform integrated with Domain Systems
IoT platform
 Connectivity
 Use scenarios
 Data analysis
 Security

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Insurer role in IoT – Data Privacy
Insurance Breakfast

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COMARCH – Unique partner in building innovative solution for Insurance
Insurance Breakfast
Mobile Apps
Internet of
Things
Automotive
projects
Insurance
domain
products

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Having the right partner in IoT world really counts
Insurance Breakfast

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Thank You!
Szymon Uczciwek
Consulting Director, Internet of Things
+48 691 464 456
szymon.uczciwek@comarch.com