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Les assurances paramétriques au cœur des smart contracts : une révolution pour l’assurance

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  • Matthieu Courtecuisse
  • Ronan Davit

Abstract

In the field of insurance, the substitution of Smart Contracts for traditional contracts offers obvious advantages: transparency of benefits and premiums, speed of compensation, reduction of management costs, security of operations. However, insurance companies face three types of challenges for their implementation: constructing the covered event and verifying the attractiveness of the insured for this mode of coverage in an automated framework, finding and managing the underlying data essential to the Smart Contract, and organizing a profound change in the management of their activity and organization. Insurers will find it difficult not to apply this technology, at least to parts of their portfolio of contracts. Classification JEL : G22, O33.

Suggested Citation

  • Matthieu Courtecuisse & Ronan Davit, 2019. "Les assurances paramétriques au cœur des smart contracts : une révolution pour l’assurance," Revue d'économie financière, Association d'économie financière, vol. 0(3), pages 145-162.
    • Handle: RePEc:cai:refaef:ecofi_135_0145
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    More about this item

    JEL classification:

    • G22 - Financial Economics - - Financial Institutions and Services - - - Insurance; Insurance Companies; Actuarial Studies
    • O33 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Technological Change: Choices and Consequences; Diffusion Processes

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