人工智能、保险、歧视与不公平差别对待：综述与研究议程
AI, insurance, discrimination and unfair differentiation. An overview and research agenda
AI总结：
本文综述AI驱动的数据密集型承保与基于行为的保险，探讨其在提升风险评估精准度的同时可能引发的歧视与不公平差别对待，并提出研究议程。
摘要：
保险公司承保风险：它们计算风险并决定保险价格。保险业似乎正被人工智能（AI）所促成的两种趋势所吸引。首先，保险公司可以利用AI分析更多、更新类型的数据，以更精确地评估风险，即数据密集型承保。其次，保险公司可以利用AI实时监测个体消费者的行为，即基于行为的保险。例如，一些汽车保险公司在消费者同意接受其追踪并安全驾驶时提供折扣。尽管这两种趋势带来诸多优势，但它们也可能对社会产生歧视性影响。本文聚焦以下问题：如果保险公司采用数据密集型承保和基于行为的保险，可能出现哪些与歧视和不公平差别对待相关的影响？
英文摘要：
Insurers underwrite risks: they calculate risks and decide on the insurance price. Insurers seem captivated by two trends enabled by Artificial Intelligence (AI). First, insurers could use AI for analysing more and new types of data to assess risks more precisely: data-intensive underwriting. Second, insurers could use AI to monitor the behaviour of individual consumers in real-time: behaviour-based insurance. For example, some car insurers offer a discount if the consumer agrees to being tracked by the insurer and drives safely. While the two trends bring many advantages, they may also have discriminatory effects on society. This paper focuses on the following question. Which effects related to discrimination and unfair differentiation may occur if insurers use data-intensive underwriting and behaviour-based insurance?
机构、总结、中文摘要均由AI分析而来，可能存在错误，请以论文正文为准。
