Super Intelligent Underwriting Assistant: Generative AI‑powered collaborative underwriting Qorus-NTT DATA Innovation in Insurance Awards 2026

I. Concept and Objectives The core concept of this project is to introduce generative AI technology to develop an “Intelligent Underwriting Assistant” that supports underwriters in rapidly summarizing medical records and retrieving relevant disease-related information during case reviews. Through the Intelligent Underwriting Assistant, tasks that previously required substantial manpower and time are transformed into efficient and accurate processes, shortening underwriting review time and accelerating underwriting decisions. This, in turn, enhances the customer experience and achieves the objective of “fast underwriting, immediate protection.”

II. Underlying Rationale In traditional underwriting processes, underwriters are required to review medical records and other related documents submitted by policyholders one by one, followed by manual summarization and decision-making. This process is not only time-consuming but also prone to omissions due to the large volume of information, potentially affecting underwriting quality and efficiency. As market competition intensifies and case volumes continue to rise, Fubon Life has introduced innovative technologies to enable underwriters to focus on professional judgment, while repetitive and low value-added tasks are handled by the “Intelligent Underwriting Assistant,” thereby enhancing overall operational efficiency.

III. Source of Inspiration The inspiration for this project originated from participation in the hackathon competition (Techathon) organized by Fubon Financial Holding. During the competition, the team gained firsthand experience with the feasibility and potential of generative AI in document summarization, and recognized that combining this technology with underwriting expertise could bring transformative changes to existing processes. This experience not only inspired the team to consider how innovative technologies could be practically implemented, but also revealed the application prospects of generative AI in the insurance industry, motivating the team to actively engage in research and development and to translate the concept into tangible outcomes.

IV. Participating Departments This project is led by the Underwriting Department and involves cross-departmental collaboration with the Information Services Department, the Compliance Department, and the Operations Risk Control Department to ensure that the introduction of generative AI technology complies with regulatory requirements and risk control standards set by supervisory authorities. The Underwriting Department is responsible for requirement definition, process planning, and testing; the Information Services Department handles system development and implementation; the Compliance Department ensures regulatory compliance; and the Operations Risk Control Department reviews risk management mechanisms, forming a comprehensive project governance framework.

V. Key Results to Date Since its implementation, the Intelligent Underwriting Assistant has delivered significant benefits. As of December 2025, a cumulative total of 7,243 underwriting cases had been processed, with an overall usage rate approaching 72%. Monthly usage increased steadily from 19.69% in May to 99% in both October and November, indicating that the Intelligent Underwriting Assistant has been fully integrated into the underwriting workflow. In terms of time efficiency, traditional manual review required an average of 50 minutes per case. Following the introduction of the Intelligent Underwriting Assistant, processing time was reduced to 25 minutes, saving 25 minutes per case. Across a total of 7,243 cases, this represents a cumulative time savings of 181,075 minutes (approximately 3,018 hours), equivalent to around 402 working days (based on 7.5 hours per working day). This has significantly reduced manpower burdens and accelerated underwriting turnaround times. In addition, by reducing errors and rework associated with manual summarization and enhancing customer satisfaction, the initiative has strengthened the Company’s competitiveness. Beyond improving operational efficiency, it has also laid a critical foundation for the Company’s digital transformation.