Keywords
big data
regulation
insurance
personal data
algorithmic bias
How to Cite
Abstract
Artificial intelligence (AI), composed of technologies such as Big Data and Machine Learning, has revolutionized the activity of insurance companies by automating and optimizing processes such as pricing, policy and claims handling, and customer service. However, its use involves ethical and legal risks, especially regarding the protection of personal data and the possibility of discriminatory biases in automated decision-making. In its regulatory role within the Union, the European Parliament and Council have established specific regulation (EU Regulation 2024/1689) that defines high-risk AI systems, prohibits certain uses, requires transparency, human supervision, and risk management, and recognizes citizens’ rights regarding decisions made by AI. This article aims to develop this regulation, which will come into force in August 2026, providing context on the use of this technology by insurance companies, the perspectives, and the risks.
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