As a trusted partner, Allianz has developed a range of initiatives related to data ethics and responsible usage of AI systems, centered on the interests and needs of stakeholders, such as our customers, employees, and business units.
Principles for a responsible usage of AI
Allianz has five principles for a responsible usage of AI. Read the principles to find out how our data scientists apply them in their work.
AI systems may only be used in line with applicable privacy laws and standards, including the Allianz Privacy Standard.
We follow core Privacy Principles of Purpose Limitation, Data Minimization, Data Accuracy, Transparency, Lawfulness, Storage Limitation, and Security and Confidentiality and perform a dedicated Privacy and Ethics Impact Assessment (PEIA) whenever personal data are utilized in an AI system.

Transparency
We openly communicate the purpose of our AI systems. This includes, for example, informing customers whenever they interact directly with an AI system such as a chatbot.
We follow a risk-based approach to attain suitable levels of interpretability.

Privacy
AI systems may only be used in line with applicable privacy laws and standards, including the Allianz Privacy Standard.
We follow core Privacy Principles of Purpose Limitation, Data Minimization, Data Accuracy, Transparency, Lawfulness, Storage Limitation, and Security and Confidentiality and perform a dedicated Privacy and Ethics Impact Assessment (PEIA) whenever personal data are utilized in an AI system.

Human Agency and Control
Each usage of AI systems must respect customers’ autonomy and decision-making. We consider the perspective of customers and other stakeholders when designing and developing AI systems for our insurance processes.
We ensure an appropriate, risk-based level of human control.

Fairness and Non-Discrimination
We commit to avoiding both direct and indirect discrimination e.g., on the basis of gender or race, in line with applicable non-discrimination law.
We mitigate potential bias both in the data itself as well as in each individual model, keeping in mind that correctly implemented AI systems can help to reduce the risk of human bias.

Accountability
We monitor AI systems in production to ensure that the decisions match the intended outcome, integrating user feedback.
We keep auditable documentation on our compliance with applicable laws and regulations.