Sandra HürlimannHead Data & Analytics

Daniel LitscherHead Business Innovation

Helvetia InsuranceKamehad Grand, Zurich, 3-4 October 2018

How can AI help Helvetia meet digital transformation goals?

Sights '18

Main Drivers of Digitalisation.

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§ Non-industry competitors are entering the market

§ Novel business models occupy the customer interface

§ …

Substitution through innovative business models

§ Customers are increasingly hybrid§ Customers demand comprehensive

convenience§ 20% of search queries on Google are voice-

based§ …

Changing Customer Behavior

§ Personalization through smart use of data àData as the new crude oil of the 21st century

§ Increased efficiency through automation along the entire value chain

§ "Democratication" of Artificial Intelligence§ …

New Technologies

Bottom Line for Insurance Business.

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§ The function of risk hedging will still be highly relevant in the future and the respective market will begrowing (growing middle class, new assets, increased complexity).

§ What will change is the way of doing business and more specifically what products we offer… andpossibly radically! Additionally the speed of change will increase rapidly.

Ø An optimization of the past / the present will no longer be sufficant. (Jim Hagemann Snabe)

Ø Never start with tomorrow in order to reach eternity. Eternity is not reached with smallsteps. (John Donne, 17. Jhd.)

Digital Transformation @ Helvetia.

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Strenghtening and Expanding Core BusinessInnovation Innovation

smile.directEcosystem

home

Corporate IncubationPrototypes

Investments

M&ACo-operations

Automated Processes

Personalisation through Smart

Data

Modern Customer & Partner Interaction

Artifical Intelligence as enabler for ourstrategy implementation.

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Vertriebsplattform

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AI

h20.20Transform the core Business based on:§ modern customer and partner

interactions§ automated processes§ personalization with smart Data

Artificial Intelligence is …§ …changes the way we interact with

our Customer and collect Data form them

§ …helps us to design our process more efficient through automation

§ ...enhances the way we generate Insights out of a Large Dataset to analyze our Customers

Operation Model 20.20§ How Helvetia functions in

the future

Helvetia Approach to Innovation (and toArtificial Intelligence).

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Scaling in the market

G0

Change possibility within the streams after each gate

Business idea

Scaling in countries

Scaling in sectors

process/ product / service

technologies*

› Identify potentials › Initiate ideas › Elaborate ideas › Develop and test 1st functioning solution

› Implementation andscaling of use cases

Opp

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nity

Spa

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Release ofinnovation fields

Release Phase Validate

Release Pilot

Business InnovationInnovation Board

Realization of prototypes through close collaboration with the departments and/or IT

G1 G2 G3Release PoC

Business Innovation Innovation Board Pitch-Event

Evaluate Initiate Validate Develop Launch & ScaleProof of Market

› Run pilot project

Thank you for your attention.