{"id":192807,"date":"2023-03-27T08:48:08","date_gmt":"2023-03-27T08:48:08","guid":{"rendered":"https:\/\/datascientest.com\/?p=192807"},"modified":"2023-10-29T17:43:06","modified_gmt":"2023-10-29T17:43:06","slug":"comment-la-data-science-est-utilisee-dans-le-monde-de-lassurance","status":"publish","type":"post","link":"https:\/\/datascientest.com\/comment-la-data-science-est-utilisee-dans-le-monde-de-lassurance","title":{"rendered":"Comment la data science est utilis\u00e9e dans le monde de l&rsquo;assurance ?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"192807\" class=\"elementor elementor-192807\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-134c98c e-flex e-con-boxed e-con\" data-id=\"134c98c\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b33744c elementor-widget elementor-widget-heading\" data-id=\"b33744c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.15.0 - 02-08-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">Depuis toujours, l\u2019assurance utilise les donn\u00e9es pour adapter son offre et anticiper les sinistres. Mais avec l\u2019av\u00e8nement du Big Data, les assureurs font face \u00e0 des volumes de donn\u00e9es titanesques. Pour analyser et exploiter ces informations, les m\u00e9thodes traditionnelles d\u2019actuariat ne sont plus suffisantes. C\u2019est justement pour cette raison que la Data Science s\u2019invite dans l\u2019assurance. <\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-40b2fa6 e-flex e-con-boxed e-con\" data-id=\"40b2fa6\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5d6044d elementor-widget elementor-widget-heading\" data-id=\"5d6044d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Comment la pr\u00e9vention des risques est \"calcul\u00e9\" dans l\u2019assurance ?<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8b8971c elementor-widget elementor-widget-text-editor\" data-id=\"8b8971c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.15.0 - 02-08-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p><span style=\"font-weight: 400;\">Si les assureurs indemnisent les victimes de sinistres, elles doivent <\/span><b>rester rentables pour maintenir une activit\u00e9 p\u00e9renne<\/b><span style=\"font-weight: 400;\">. \u00c0 ce titre, la pr\u00e9vention des risques appara\u00eet comme l\u2019un des enjeux majeurs de toutes compagnies d\u2019assurance.&nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cela permet en effet d\u2019agir \u00e0 deux niveaux. D\u2019une part, en r\u00e9duisant l\u2019impact d\u2019un sinistre sur un assur\u00e9. D\u2019autre part, en adaptant l\u2019offre aux risques pr\u00e9sents. Comme l\u2019assurance repose sur le principe de mutualisation, les organismes doivent<\/span><b> trouver le juste \u00e9quilibre <\/b><span style=\"font-weight: 400;\">entre le montant des cotisations de tous les assur\u00e9s et l\u2019indemnisation en cas de sinistre. De cette mani\u00e8re, l\u2019assurance conserve sa rentabilit\u00e9.&nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">En mati\u00e8re d\u2019assurance<\/span><b>, les risques sont multiples<\/b><span style=\"font-weight: 400;\"> selon les sp\u00e9cialit\u00e9s :&nbsp;<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">La sant\u00e9 : en moyenne, <\/span><span style=\"font-weight: 400;\">20 % des assur\u00e9s repr\u00e9sentent 80 % des d\u00e9penses.&nbsp;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Les catastrophes naturelles : loin d\u2019\u00eatre impr\u00e9visibles, ces \u00e9v\u00e9nements climatiques peuvent \u00eatre anticip\u00e9s pour limiter les risques.&nbsp;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Les accidents : l\u00e0 encore, plusieurs indicateurs peuvent aider les assureurs \u00e0 anticiper les sinistres, tels que le comportement des conducteurs ou leur exp\u00e9rience au volant.&nbsp;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">etc.&nbsp;<\/span><\/li>\n<\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-964039e elementor-widget elementor-widget-text-editor\" data-id=\"964039e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Pour anticiper tous ces risques, les assureurs se basent depuis toujours sur les donn\u00e9es disponibles. Mais dans un monde enti\u00e8rement digitalis\u00e9, les assureurs ont plus que jamais besoin de la <a href=\"https:\/\/datascientest.com\/les-tendances-de-data-science-a-surveiller-pour-2023\">Data Science<\/a><\/span><span style=\"font-weight: 400;\">.\u00a0 <\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3bfe7d7 elementor-widget elementor-widget-image\" data-id=\"3bfe7d7\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.15.0 - 02-08-2023 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"874\" height=\"535\" src=\"https:\/\/datascientest.com\/wp-content\/uploads\/2023\/03\/assurance-data-science.jpg\" class=\"attachment-full size-full wp-image-192842\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/datascientest.com\/wp-content\/uploads\/2023\/03\/assurance-data-science.jpg 874w, https:\/\/datascientest.com\/wp-content\/uploads\/2023\/03\/assurance-data-science-300x184.jpg 300w, https:\/\/datascientest.com\/wp-content\/uploads\/2023\/03\/assurance-data-science-768x470.jpg 768w\" sizes=\"(max-width: 874px) 100vw, 874px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31499da elementor-align-center button-principale elementor-widget elementor-widget-button\" data-id=\"31499da\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-grow\" href=\"https:\/\/datascientest.com\/formation-data-scientist\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Voir en d\u00e9tail la formation de Data Scientist<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-838c40d e-flex e-con-boxed e-con\" data-id=\"838c40d\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8029099 elementor-widget elementor-widget-heading\" data-id=\"8029099\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Quels sont le type de donn\u00e9es r\u00e9cup\u00e9r\u00e9es par l'assurance ?<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d5048f0 elementor-widget elementor-widget-text-editor\" data-id=\"d5048f0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\u00c0 l\u2019heure du Big Data, les assurances disposent de donn\u00e9es diverses et vari\u00e9es, voici quelques exemples :\u00a0<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Les donn\u00e9es m\u00e9t\u00e9orologiques :<\/b><span style=\"font-weight: 400;\"> pour anticiper les ph\u00e9nom\u00e8nes de <a href=\"https:\/\/datascientest.com\/artemis-predit-les-seismes-grace-a-la-data-science\">catastrophes naturelles<\/a>.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Les objets connect\u00e9s : <\/b><span style=\"font-weight: 400;\">que ce soit dans la voiture ou dans la maison, l\u2019internet des objets permet de mieux comprendre les habitudes des assur\u00e9s et le risque associ\u00e9. Dans cette hypoth\u00e8se, la compagnie d\u2019assurance doit \u00e9videmment recueillir l\u2019accord explicite de l\u2019assur\u00e9.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Les parcours digitaux <\/b><span style=\"font-weight: 400;\">: \u00e0 travers la navigation sur le site web, sur les r\u00e9seaux sociaux, dans l\u2019espace client, \u2026. les assureurs disposent de nombreuses informations digitales pour analyser le comportement de leurs assur\u00e9s.\u00a0<\/span><\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b6bdaea elementor-widget elementor-widget-text-editor\" data-id=\"b6bdaea\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Si ces donn\u00e9es sont de pr\u00e9cieux outils pour les compagnies d\u2019assurance, encore faut-il savoir les faire parler et les interpr\u00e9ter. C\u2019est justement pour cette raison que le r\u00f4le de la Data Science dans l\u2019assurance prend de plus en plus d\u2019ampleur.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5a9c73b e-flex e-con-boxed e-con\" data-id=\"5a9c73b\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6586886 elementor-widget elementor-widget-heading\" data-id=\"6586886\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Le r\u00f4le des datas scientists au sein des assurances<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a1fb5c9 elementor-widget elementor-widget-text-editor\" data-id=\"a1fb5c9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\u00c0 l\u2019origine, ce sont les actuaires qui analysent les risques afin de proposer des offres adapt\u00e9es \u00e0 leurs clients. Pour cela, ils r\u00e9alisent des \u00e9tudes \u00e9conomiques, financi\u00e8res ou encore statistiques<\/span><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Mais avec le d\u00e9veloppement du Big data et les \u00e9normes volumes de donn\u00e9es disponibles, <\/span><b>la connaissance des donn\u00e9es purement assurantielles s\u2019av\u00e8re insuffisante<\/b><span style=\"font-weight: 400;\">. Et pour cause, les assurances disposent d\u00e9sormais de donn\u00e9es en provenance d\u2019une multitude de sources et pr\u00e9sentant une grande diversit\u00e9 de formats. Afin de les analyser, il est primordial de ma\u00eetriser les outils de Data Analytics et de Data Science. C\u2019est justement pour cette raison que les Data Scientists int\u00e8grent les compagnies d\u2019assurance.\u00a0<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-94c90e9 elementor-widget elementor-widget-text-editor\" data-id=\"94c90e9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Gr\u00e2ce \u00e0 leur expertise et leurs comp\u00e9tence<\/span><span style=\"font-weight: 400;\">s math\u00e9matiques, statistiques et informatiques<\/span><span style=\"font-weight: 400;\">, les experts de la science de la donn\u00e9e fournissent une aide pr\u00e9cieuse aux assurances :\u00a0<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>L\u2019exploitation de grandes masses de donn\u00e9es :<\/b><span style=\"font-weight: 400;\"> les data scientists sont capables d\u2019interpr\u00e9ter des volumes de donn\u00e9es qui ne sont pas exploitables \u00e0 travers les m\u00e9thodes traditionnelles de l\u2019actuariat.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Les analyses pr\u00e9dictives : <\/b><span style=\"font-weight: 400;\">en utilisant l&rsquo;<a href=\"https:\/\/datascientest.com\/top-5-des-ia-les-plus-marquantes-de-2022\">Intelligence Artificielle<\/a><\/span><span style=\"font-weight: 400;\">\u00a0et le <a href=\"https:\/\/datascientest.com\/machine-learning-et-voyage\">Machine Learning<\/a>, ils peuvent d\u00e9tecter les signaux faibles et faciliter la prise de d\u00e9cision.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>La visualisation <\/b><span style=\"font-weight: 400;\">: \u00e0 travers les outils de visualisation et de reporting, ils rendent tous types de donn\u00e9es compr\u00e9hensibles par les assureurs (m\u00eame les non-initi\u00e9s \u00e0 la data).\u00a0<\/span><\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-20f0fe1 elementor-widget elementor-widget-text-editor\" data-id=\"20f0fe1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">L\u2019ensemble de ces comp\u00e9tences permet aux assureurs de d\u00e9finir la meilleure couverture et de proposer le meilleur tarif en fonction du risque associ\u00e9 \u00e0 chaque client. Et ce, de mani\u00e8re ultra pr\u00e9cise.\u00a0<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3fca17a elementor-align-center button-principale elementor-widget elementor-widget-button\" data-id=\"3fca17a\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-grow\" href=\"https:\/\/datascientest.com\/formation-data-scientist\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">D\u00e9couvrir le cursus Data Scientist<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-853282f e-flex e-con-boxed e-con\" data-id=\"853282f\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4d0a031 elementor-widget elementor-widget-heading\" data-id=\"4d0a031\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Data scientist et assureur, une v\u00e9ritable collaboration<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a477b8 elementor-widget elementor-widget-text-editor\" data-id=\"5a477b8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Le <a href=\"https:\/\/datascientest.com\/un-data-scientist-espagnol-cree-un-algorithme-pour-gagner-99-des-parties-de-wordle\">Data Scientist<\/a> n\u2019est pas un assureur. Alors, s\u2019il permet aux compagnies d\u2019assurance de disposer d\u2019un \u0153il neuf et orient\u00e9 data, il ne b\u00e9n\u00e9ficie pas de l\u2019expertise m\u00e9tier des actuaires. Son r\u00f4le n\u2019est donc pas de remplacer les assureurs, mais de les accompagner \u00e0 travers ses analyses et ses recommandations. \u00c0 ce titre, <\/span><b>une collaboration \u00e9troite entre assureur et data scientist <\/b><span style=\"font-weight: 400;\">est n\u00e9cessaire pour am\u00e9liorer la qualit\u00e9 des services, la d\u00e9finition des offres et la <a href=\"https:\/\/datascientest.com\/limpact-des-donnees-sur-les-decisions-commerciales-en-2023\">pertinence des d\u00e9cisions<\/a> <\/span><span style=\"font-weight: 400;\">prises.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Cela dit, au vu de l\u2019importance grandissante de la Data Science au sein des assurances, un nouveau m\u00e9tier semble faire son apparition : celui de<\/span><b> digital actuaire. <\/b><span style=\"font-weight: 400;\">L\u2019id\u00e9e est alors de combiner les m\u00e9tiers de la Data Science sp\u00e9cifiquement au monde de l\u2019assurance. Ainsi, le digital actuaire ma\u00eetrise \u00e0 la fois tous les outils d\u2019analyse pr\u00e9dictive et de traitement de donn\u00e9es, mais aussi toutes les r\u00e8gles propres \u00e0 l\u2019assurance. <\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9790d66 e-flex e-con-boxed e-con\" data-id=\"9790d66\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a34b0e1 elementor-widget elementor-widget-heading\" data-id=\"a34b0e1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Data Science et relation client dans l\u2019assurance<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4922737 elementor-widget elementor-widget-text-editor\" data-id=\"4922737\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Au-del\u00e0 de la pr\u00e9vention, la Data Science intervient aussi dans l\u2019assurance pour <\/span><b>am\u00e9liorer la relation client.<\/b><span style=\"font-weight: 400;\"> Et pour cause, les consommateurs du 21e si\u00e8cle sont \u00e0 la recherche de personnalisation, que ce soit dans les offres ou dans la communication. Et justement, la data science permet de mieux r\u00e9pondre \u00e0 leurs attentes.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Voici quelques exemples concrets :\u00a0<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gr\u00e2ce aux donn\u00e9es m\u00e9t\u00e9orologiques, les assureurs peuvent anticiper les temp\u00eates, les pluies, les gr\u00eales, les inondations, etc. En cas de risques accrus dans une r\u00e9gion, ils pourront pr\u00e9venir les assur\u00e9s, leur prodiguer des conseils et des mesures de pr\u00e9caution, voire m\u00eame, leur proposer des extensions de garantie.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gr\u00e2ce \u00e0 l\u2019IoT, les compagnies d\u2019assurance pourront aussi personnaliser leurs offres. Notamment pour les conducteurs adoptant une conduite responsable et vigilante. Ces derniers pourront ainsi b\u00e9n\u00e9ficier d\u2019un bonus sur leur cotisation.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gr\u00e2ce aux donn\u00e9es issues du parcours digital, les assureurs pourront identifier les \u00e9ventuelles insatisfactions et prendre des mesures pour \u00e9viter la r\u00e9siliation.<\/span><\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b70c540 elementor-align-center button-principale elementor-widget elementor-widget-button\" data-id=\"b70c540\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-grow\" href=\"https:\/\/datascientest.com\/formations-data\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Commencer une formation en Data Science<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b494b16 e-flex e-con-boxed e-con\" data-id=\"b494b16\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d5a9cf0 elementor-widget elementor-widget-heading\" data-id=\"d5a9cf0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">La data science au service des assureurs<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ef4802 elementor-widget elementor-widget-text-editor\" data-id=\"1ef4802\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Am\u00e9lioration des offres, rentabilit\u00e9, personnalisation du parcours client, r\u00e9duction des risques, \u2026 La Data Science est au service des acteurs de l\u2019assurance. La convergence de ces deux disciplines permet de r\u00e9inventer l\u2019assurance, pour la rendre plus moderne et plus proche des besoins des assur\u00e9s.\u00a0<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5139aa2 e-flex e-con-boxed e-con\" data-id=\"5139aa2\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b74ef2e elementor-widget elementor-widget-heading\" data-id=\"b74ef2e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Allianz a choisi DataScientest pour former ses collaborateurs \u00e0 la Data Science<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-033687c elementor-widget elementor-widget-text-editor\" data-id=\"033687c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>\u00c0 la suite d&rsquo;un appel d&rsquo;offres lanc\u00e9 en 2017, Allianz, acteur europ\u00e9en majeur du domaine de l&rsquo;assurance, a choisi DataScientest pour la formation en data science de ses collaborateurs. Gr\u00e2ce \u00e0 une approche innovante de l&rsquo;apprentissage, le <a href=\"https:\/\/datascientest.com\/blended-learning\"><em>blended learning<\/em><\/a>, qui combine \u00e0 la fois de l&rsquo;apprentissage en ligne (e-learning) et des mastercalss en visoconf\u00e9rence avec des formateurs internes.&nbsp;DataScientest a r\u00e9ussi \u00e0 adapter sa formation \u00e0 distance aux besoins de l&rsquo;entreprise, tout en offrant un suivi personnalis\u00e9 \u00e0 chaque apprenant. Les projets professionnels r\u00e9alis\u00e9s par les \u00e9tudiants ont m\u00eame \u00e9t\u00e9 prim\u00e9s par l&rsquo;Argus de l&rsquo;Assurance. Ce <a href=\"https:\/\/datascientest.com\/allianz-et-datascientest\">partenariat entre Allianz et DataScientest<\/a> est un exemple de r\u00e9ussite de la collaboration entre grandes entreprises et startups innovantes pour d\u00e9velopper des comp\u00e9tences cl\u00e9s dans des domaines en constante \u00e9volution.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8d20d30 elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed e-con\" data-id=\"8d20d30\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-e996fd5 e-con-full e-flex e-con\" data-id=\"e996fd5\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0658f75 e-con-full e-flex e-con\" data-id=\"0658f75\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3f2a84c elementor-widget elementor-widget-video\" data-id=\"3f2a84c\" data-element_type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=kgSH7EG5ByE&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.15.0 - 02-08-2023 *\/\n.elementor-widget-video .elementor-widget-container{overflow:hidden;transform:translateZ(0)}.elementor-widget-video .elementor-wrapper{aspect-ratio:var(--video-aspect-ratio)}.elementor-widget-video .elementor-wrapper iframe,.elementor-widget-video .elementor-wrapper video{height:100%;width:100%;display:flex;border:none;background-color:#000}@supports not (aspect-ratio:1\/1){.elementor-widget-video .elementor-wrapper{position:relative;overflow:hidden;height:0;padding-bottom:calc(100% \/ var(--video-aspect-ratio))}.elementor-widget-video .elementor-wrapper iframe,.elementor-widget-video .elementor-wrapper video{position:absolute;top:0;right:0;bottom:0;left:0}}.elementor-widget-video .elementor-open-inline .elementor-custom-embed-image-overlay{position:absolute;top:0;right:0;bottom:0;left:0;background-size:cover;background-position:50%}.elementor-widget-video .elementor-custom-embed-image-overlay{cursor:pointer;text-align:center}.elementor-widget-video .elementor-custom-embed-image-overlay:hover .elementor-custom-embed-play i{opacity:1}.elementor-widget-video .elementor-custom-embed-image-overlay img{display:block;width:100%;aspect-ratio:var(--video-aspect-ratio);-o-object-fit:cover;object-fit:cover;-o-object-position:center center;object-position:center center}@supports not (aspect-ratio:1\/1){.elementor-widget-video .elementor-custom-embed-image-overlay{position:relative;overflow:hidden;height:0;padding-bottom:calc(100% \/ var(--video-aspect-ratio))}.elementor-widget-video .elementor-custom-embed-image-overlay img{position:absolute;top:0;right:0;bottom:0;left:0}}.elementor-widget-video .e-hosted-video .elementor-video{-o-object-fit:cover;object-fit:cover}.e-con-inner>.elementor-widget-video,.e-con>.elementor-widget-video{width:var(--container-widget-width);--flex-grow:var(--container-widget-flex-grow)}<\/style>\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ae5262 elementor-align-center button-principale elementor-widget elementor-widget-button\" data-id=\"2ae5262\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-grow\" href=\"\/formations-data\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">En savoir plus sur la formation de Data Scientist<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5ecebc9 e-con-full e-flex e-con\" data-id=\"5ecebc9\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae7cbb6 elementor-hidden-desktop elementor-widget elementor-widget-video\" data-id=\"ae7cbb6\" data-element_type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=kgSH7EG5ByE&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b88104 elementor-align-center button-principale elementor-hidden-desktop elementor-widget elementor-widget-button\" data-id=\"5b88104\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-grow\" href=\"https:\/\/datascientest.com\/formation-data-scientist\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">En savoir plus sur la formation de Data Scientist<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7f17289 e-flex e-con-boxed e-con\" data-id=\"7f17289\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b2b64a5 elementor-widget elementor-widget-html\" data-id=\"b2b64a5\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<script type=\"application\/ld+json\">\r\n{\r\n  \"@context\": \"https:\/\/schema.org\",\r\n  \"@type\": \"FAQPage\",\r\n  \"mainEntity\": [{\r\n    \"@type\": \"Question\",\r\n    \"name\": \"Comment la pr\u00e9vention des risques est \"calcul\u00e9\" dans l\u2019assurance ?\",\r\n    \"acceptedAnswer\": {\r\n      \"@type\": \"Answer\",\r\n      \"text\": \"Si les assureurs indemnisent les victimes de sinistres, elles doivent rester rentables pour maintenir une activit\u00e9 p\u00e9renne. \u00c0 ce titre, la pr\u00e9vention des risques appara\u00eet comme l\u2019un des enjeux majeurs de toutes compagnies d\u2019assurance.\"\r\n    }\r\n  },{\r\n    \"@type\": \"Question\",\r\n    \"name\": \"Le r\u00f4le des datas scientists au sein des assurances\",\r\n    \"acceptedAnswer\": {\r\n      \"@type\": \"Answer\",\r\n      \"text\": \"\u00c0 l\u2019origine, ce sont les actuaires qui analysent les risques afin de proposer des offres adapt\u00e9es \u00e0 leurs clients. Pour cela, ils r\u00e9alisent des \u00e9tudes \u00e9conomiques, financi\u00e8res ou encore statistiques. Mais avec le d\u00e9veloppement du Big data et les \u00e9normes volumes de donn\u00e9es disponibles, la connaissance des donn\u00e9es purement assurantielles s\u2019av\u00e8re insuffisante. Et pour cause, les assurances disposent d\u00e9sormais de donn\u00e9es en provenance d\u2019une multitude de sources et pr\u00e9sentant une grande diversit\u00e9 de formats. Afin de les analyser, il est primordial de ma\u00eetriser les outils de Data Analytics et de Data Science. C\u2019est justement pour cette raison que les Data Scientists int\u00e8grent les compagnies d\u2019assurance.\"\r\n    }\r\n  },{\r\n    \"@type\": \"Question\",\r\n    \"name\": \"Data scientist et assureur, une v\u00e9ritable collaboration\",\r\n    \"acceptedAnswer\": {\r\n      \"@type\": \"Answer\",\r\n      \"text\": \"Le Data Scientist n\u2019est pas un assureur. Alors, s\u2019il permet aux compagnies d\u2019assurance de disposer d\u2019un \u0153il neuf et orient\u00e9 data, il ne b\u00e9n\u00e9ficie pas de l\u2019expertise m\u00e9tier des actuaires. Son r\u00f4le n\u2019est donc pas de remplacer les assureurs, mais de les accompagner \u00e0 travers ses analyses et ses recommandations. \u00c0 ce titre, une collaboration \u00e9troite entre assureur et data scientist est n\u00e9cessaire pour am\u00e9liorer la qualit\u00e9 des services, la d\u00e9finition des offres et la pertinence des d\u00e9cisions prises.\"\r\n    }\r\n  }]\r\n}\r\n<\/script>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Depuis toujours, l\u2019assurance utilise les donn\u00e9es pour adapter son offre et anticiper les sinistres. Mais avec l\u2019av\u00e8nement du Big Data, les assureurs font face \u00e0 des volumes de donn\u00e9es titanesques. Pour analyser et exploiter ces informations, les m\u00e9thodes traditionnelles d\u2019actuariat ne sont plus suffisantes. C\u2019est justement pour cette raison que la Data Science s\u2019invite dans [&hellip;]<\/p>\n","protected":false},"author":45,"featured_media":192836,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_theme","format":"standard","meta":{"content-type":"","inline_featured_image":false},"categories":[2431],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.7 (Yoast SEO v21.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Comment la data science est utilis\u00e9e dans le monde de l&#039;assurance ?<\/title>\n<meta name=\"description\" content=\"Dans tous les domaines, les donn\u00e9es sont des ressources pr\u00e9cieuses et les compagnies d&#039;assurance ne font pas exception.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/datascientest.com\/comment-la-data-science-est-utilisee-dans-le-monde-de-lassurance\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comment la data science est utilis\u00e9e dans le monde de l&#039;assurance ?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/datascientest.com\/comment-la-data-science-est-utilisee-dans-le-monde-de-lassurance\" \/>\n<meta property=\"og:site_name\" content=\"Formation Data Science | DataScientest.com\" \/>\n<meta property=\"article:published_time\" content=\"2023-03-27T08:48:08+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-10-29T17:43:06+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/datascientest.com\/wp-content\/uploads\/2023\/03\/assurance-data-science.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"600\" \/>\n\t<meta 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