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Russian insurance market investigated by an AI system under growing market uncertainty and risk

Based on the analysis of the insurance market in Russia, the development trends of the domestic insurance market under growing market uncertainty and risk have been considered. The theoretical foundations of the insurance activity have been examined. The analysis showed that the growth was weaker than a year earlier, when the non-life market increased by 8.4%. One of the leaders 2019 was the voluntary health insurance (VHI) that showed an increase of +28.8 billion RUB due to the demand for full packaged products, new VHI options in consumer life insurance policies, annual inflation of medical services, and accident and illness insurance that ensured an increase of +17.8 billion RUB that year. There were found practically no changes in the dynamics of the total volume of the insurance market in 2019 compared to 2018; its volume amounted to 1.48 trillion RUB, which was more by only 0.1% than a year earlier. Factors that determined the current situation in the domestic insurance market in the conditions of growing market uncertainty have been identified. An algorithm for predicting parameters required for the insurance market activity using the Perceptron AI system has been proposed. A hypothesis that the artificial intelligence enables forecasting the volume of the premium income of insurance companies in the Russian Federation was put forward and proved. This determines the relevance and practical significance of this study in the context of the digitalization of the economy. The neural network model used values of the results of domestic insurance companies. An important trend is the study of the theoretical foundations of artificial learning systems, machine learning and convolutional neural networks used to solve the problems of the insurance market.