insurance claim data
Comparative Safety Performance of Autonomous- and Human Drivers: A Real-World Case Study of the Waymo One Service
Di Lillo, Luigi, Gode, Tilia, Zhou, Xilin, Atzei, Margherita, Chen, Ruoshu, Victor, Trent
This study compares the safety of autonomous- and human drivers. It finds that the Waymo One autonomous service is significantly safer towards other road users than human drivers are, as measured via collision causation. The result is determined by comparing Waymo's third party liability insurance claims data with mileage- and zip-code-calibrated Swiss Re (human driver) private passenger vehicle baselines. A liability claim is a request for compensation when someone is responsible for damage to property or injury to another person, typically following a collision. Liability claims reporting and their development is designed using insurance industry best practices to assess crash causation contribution and predict future crash contributions. In over 3.8 million miles driven without a human being behind the steering wheel in rider-only (RO) mode, the Waymo Driver incurred zero bodily injury claims in comparison with the human driver baseline of 1.11 claims per million miles (cpmm). The Waymo Driver also significantly reduced property damage claims to 0.78 cpmm in comparison with the human driver baseline of 3.26 cpmm. Similarly, in a more statistically robust dataset of over 35 million miles during autonomous testing operations (TO), the Waymo Driver, together with a human autonomous specialist behind the steering wheel monitoring the automation, also significantly reduced both bodily injury and property damage cpmm compared to the human driver baselines.
Construction of extra-large scale screening tools for risks of severe mental illnesses using real world healthcare data
Liu, Dianbo, Choi, Karmel W., Lizano, Paulo, Yuan, William, Yu, Kun-Hsing, Smoller, Jordan W., Kohane, Isaac
Importance: The prevalence of severe mental illnesses (SMIs) in the United States is approximately 3% of the whole population. The ability to conduct risk screening of SMIs at large scale could inform early prevention and treatment. Objective: A scalable machine learning based tool was developed to conduct population-level risk screening for SMIs, including schizophrenia, schizoaffective disorders, psychosis, and bipolar disorders,using 1) healthcare insurance claims and 2) electronic health records (EHRs). Design, setting and participants: Data from beneficiaries from a nationwide commercial healthcare insurer with 77.4 million members and data from patients from EHRs from eight academic hospitals based in the U.S. were used. First, the predictive models were constructed and tested using data in case-control cohorts from insurance claims or EHR data. Second, performance of the predictive models across data sources were analyzed. Third, as an illustrative application, the models were further trained to predict risks of SMIs among 18-year old young adults and individuals with substance associated conditions. Main outcomes and measures: Machine learning-based predictive models for SMIs in the general population were built based on insurance claims and EHR.
Suncorp uses AI to drill into insurance claim data
Suncorp used an artificial intelligence engine to identify hundreds of claims that had fallen off the radar of a particular leader and business, allowing it to expedite their resolution. The insurer was last year revealed to be a user of ThoughtSpot's search and AI-driven analytics platform when the vendor launched A/NZ operations. Analytics transformation principal consultant David Babich told ThoughtSpot's Beyond 2018 conference last year that adoption of ThoughtSpot was designed "to increase our end users' self-service capability". "Every time someone had a question, or even needed to change a simple question within our organisation, it required a technical response from our chief data office," Babich said. "Our end users did not have the tools or capabilities to make those changes themselves."