Decentralized Insurance Business Models: Benefits and Ethical Dilemmas
摘要
The insurance business models offer unparalleled benefits and challenges for insurers, policyholders, and stakeholders. With a paradigm shift from centralized structures, these models empower greater control and transparency, reducing intermediaries and enhancing claims processing efficiency. This chapter explores diverse decentralized insurance models, such as peer-to-peer insurance, parametric insurance, and mutual insurance, by presenting key components and resources that cater to specific customer segments with unique value propositions. This Chapter’s Learning Goals