The insurance sector is on the verge of a radical transformation, primarily catalyzed by the integration of artificial intelligence (AI) and generative AI. These technologies are redefining traditional paradigms, notably in insurance mediation, premium personalization, and the automation of contractual processes. Major players such as MACSF, Generali, and Axa, along with dynamic entrants like Allianz, are engaged in a technological race to maintain their competitiveness. However, this technological adoption comes with significant regulatory and ethical challenges, particularly concerning data protection and potential discrimination.
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