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  • Open Daily: 10am - 10pm
    Alley-side Pickup: 10am - 7pm

    3038 Hennepin Ave Minneapolis, MN
    612-822-4611

Open Daily: 10am - 10pm | Alley-side Pickup: 10am - 7pm
3038 Hennepin Ave Minneapolis, MN
612-822-4611
How Artificial Intelligence can transform Insurance in Tunisia

How Artificial Intelligence can transform Insurance in Tunisia

Ben Nasr, Mehrez
Anderson, John

Paperback

Probability & Statistics

ISBN10: 6209531180
ISBN13: 9786209531187
Publisher: LAP Lambert Academic Publishing
Published: Feb 17 2026
Pages: 244
Weight: 0.73
Height: 0.55 Width: 6.00 Depth: 9.00
Language: English
Tunisia's insurance sector faces operational inefficiencies, high fraud rates in motor third-party liability (MTPL) with loss ratios exceeding 100%, and outdated mortality tables like TD 99 creating profitability and mispricing risks. An explanatory sequential mixed-methods design was employed: a survey of 56 insurance professionals using TAM, TOE, and DOI frameworks, followed by quantitative modeling with GLM for non-life pricing, Kaplan-Meier for mortality/lapses logistic regression for lapse prediction, Random Forest for fraud detection, and a claims-handling chatbot prototype. GLM outperforms manual tariffing for MTPL premiums. Observed mortality is 17-18% below TD 99 (Chapter 6). Lapse prediction achieves AUC ≈ 0.96 (95% CI: 0.942-0.978) [Table 16]. Fraud detection yields AUC ≈ 0.805 (95% CI: 0.801-0.898) [Table 24]. Chatbot reduces claims cycle times by 40% [Table 18], generating estimated gains of TND 2,029,750 ( USD 648,880) [Table 43].

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