20.500.12556/RUL-170903 Uporaba in regulacija umetne inteligence na področju zavarovalništva The use and regulation of artificial intelligence in insurance Hiter razvoj tehnologije in pojav umetne inteligence nas danes spremljata na vsakem koraku ter odpirata nove priložnosti za preoblikovanje sicer strogo reguliranega zavarovalniškega sektorja. Umetna inteligenca v kombinaciji z analizo velikih podatkov v zavarovalništvo prinaša možnost izdelave natančnejših ocen tveganj, prilagajanje premij, hitrejšo obravnavo škodnih zahtevkov ter učinkovitejše odkrivanje prevar v realnem času. Poleg tega odpira prostor za razvoj inovativnih produktov v duhu Insurtecha. Tovrstne tehnološke izboljšave pripomorejo h konkurenčnosti zavarovalnic, hkrati pa pozitivno vplivajo tudi na same zavarovance. Kljub številnim prednostim uporaba umetne inteligence v zavarovalniškem sektorju odpira pomembna vprašanja, povezana z varstvom osebnih podatkov, etičnimi vidiki uporabe in izsledkov umetne inteligence, preglednostjo in pravičnostjo odločitev – zlasti pri določanju premij in reševanju zahtevkov – ter vprašanji varnosti sistemov in skladnosti z zakonodajo. Magistrska diplomska naloga se skozi analizo uporabe umetne inteligence v posameznih fazah zavarovalniške vrednostne verige in pregledom ključnih pravnih virov na temo umetne inteligence, kot so Akt o umetni inteligenci, Direktiva o odgovornosti za izdelke, Predlog Direktive o odgovornosti za UI, ukvarja z vprašanjem, ali obstoječa regulacija umetne inteligence zagotavlja zadosten pravni okvir za varno in učinkovito rabo uporabo te tehnologije v zavarovalništvu. Advances in technology and the emergence of artificial intelligence follow us at every turn, opening up opportunities to transform the otherwise highly regulated insurance sector. Combined with big data analysis, use of artificial intelligence in the insurance sector enables the production of more accurate risk assessments, facilitates the adjustment of insurance premiums, speeds up the processing of insurance claims and enables more effective real-time fraud detection. Moreover, it enables the development of innovative products in the spirit of Insurtech. Such technological improvements contribute to the competitiveness of insurers, while also having a positive impact on policyholders themselves. Despite its many advantages, the use of artificial intelligence in the insurance sector raises issues related to the protection of personal data, ethical issues regarding the use and results of artificial intelligence, in relation to transparency and fairness of decisions, with a focus on premium setting and claims decision-making, as well as issues of system security and regulatory compliance. Through an analysis of the use of artificial intelligence in the different stages of the insurance value chain and a review of key legal sources on artificial intelligence, such as the Artificial intelligence Act, the Product Liability Directive, the Proposal for an AI Liability Directive, the Master's thesis addresses the question of whether the existing regulation of artificial intelligence provides a sufficient legal framework for the safe and effective use of this technology in the insurance industry. Zavarovalništvo umetna inteligenca Insurtech zavarovalniška vrednostna veriga regulacija Akt o umetni inteligenci Insurance Artificial Intelligence Insurtech Insurance value chain Regulation Artificial Intelligence Act true false false Slovenski jezik Angleški jezik Magistrsko delo/naloga 2025-07-21 12:07:53 2025-07-21 12:07:59 2025-07-23 10:56:46 0000-00-00 00:00:00 2025 0 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 1970-01-01 126602 243519491 20400.pdf 20400.pdf 1 422076A5503B03DD0C6D3B06FBA746E3 3db395161014a17b4c51b9d4c9aac45caac8171be874cfc844b83ff0eb7d4713 928d17c0-661a-11f0-9328-0050569b8976 https://repozitorij.uni-lj.si/Dokument.php?lang=slv&id=213179 Pravna fakulteta 0 0 0