More Competitiveness, Less Risk
KEBA Digital is transforming the insurance industry with dynamic, AI-based pricing models – delivering risk-adjusted, personalized, and competitive tariffs. By leveraging real-time data and predictive analytics, we enable insurers to respond faster to market changes and customer needs.
The Challenge:
Rigid Tariffs and Limited Risk Insight
Traditional insurance models rely on static risk categories and historical averages.
This leads to unfair pricing, missed revenue opportunities, and a lack of flexibility.
Risk profiles are changing rapidly through real-time data – such as driving behavior, health metrics, IoT sensors, or market movements – far faster than conventional models can respond.
The Solution:
AI-Powered Dynamic Premium Calculation
KEBA Digital develops AI models that enable insurers to calculate premiums continuously and individually – based on behavior, usage, and risk in real time.
This makes pricing not only fairer but also more profitable and customer-centric.
Dynamic Pricing – Individual Premiums in Real Time
Our AI models automatically calculate premiums based on current data.
Tariffs adjust according to driving behavior, health status, usage patterns, or regional risk factors.
Technologies Used: Machine Learning, Time Series Analysis, Regression Models, and Clustering.
Benefits:
- Fair and risk-adjusted premiums
- Automatic adaptation to changing customer behavior
- Greater competitiveness through flexible pricing
Preventive Risk Analysis – Detect Risks Before They Occur
By combining historical claims data, IoT information, and external risk factors, AI identifies potential loss events early.
This enables preventive measures and reduces claim frequency.
Benefits:
- Early warning system for emerging risks
- Individualized risk assessment
- Lower claim frequency and improved risk calculation
Customer-Centric Pricing – Building Trust Through Transparency
With explainable AI models (XAI), KEBA Digital creates transparency in pricing.
Customers and advisors can understand which factors influence premium levels – a key advantage for trust and acceptance.
Benefits:
- Increased customer satisfaction through transparent pricing
- Stronger loyalty through fairness and personalization
- Compliance-ready and auditable calculations
Visualizations of AI Use Cases for Insurance
Technological Foundation
KEBA Digital’s solution is built on a flexible AI framework that integrates data from diverse sources and processes it in real time.
The models are scalable and can be integrated into existing pricing systems, CRM platforms, or risk engines.
- Machine Learning & Regression
- Time Series Forecasting
- Clustering & Segmentation
- Explainable AI (XAI)
- Realtime Data Streaming
Your Benefits
with KEBA Digital
Competitive Advantage
Dynamic tariffs increase attractiveness and market share
Customer Satisfaction
Fair, transparent premiums build trust
Efficiency
Automated premium calculation reduces manual effort
Risik Management
Real-time data enables proactive risk control
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