在當(dāng)今數(shù)字化時(shí)代，保險(xiǎn)行業(yè)正面臨著一場(chǎng)關(guān)于算法使用的激烈爭(zhēng)論。近年來，隨著人工智能和大數(shù)據(jù)技術(shù)的日益成熟，越來越多的保險(xiǎn)公司開始采用算法模型來評(píng)估客戶風(fēng)險(xiǎn)并定價(jià)保單。然而，在這個(gè)過程中，“年齡計(jì)算”問題備受關(guān)注，并引發(fā)了廣泛討論。

對(duì)于保險(xiǎn)公司而言，年齡是一個(gè)重要指標(biāo)，通常被視為影響理賠風(fēng)險(xiǎn)和需求預(yù)測(cè)的重要因素之一。傳統(tǒng)上, 以及現(xiàn)代科學(xué)證明, 年輕人更有可能參與高?；顒?dòng)或者遭遇意外事故; 相反地, 隨著年齡增長(zhǎng), 健康狀態(tài)也會(huì)逐漸下滑. 因此, 在制定保費(fèi)方案時(shí)考慮到被投保人當(dāng)前年齡所帶來的潛在風(fēng)險(xiǎn)是合理且必須做出權(quán)衡折中.

然而, 一些消費(fèi)者、監(jiān)管機(jī)構(gòu)以及社會(huì)公眾對(duì)于將“年齡計(jì)算”作為唯一或主要依據(jù)進(jìn)行個(gè)別定價(jià)提出質(zhì)疑。他們認(rèn)為這種做法存在歧視性，并違背了平等待遇原則；特別是針對(duì)老年群體往往承擔(dān)更高額度責(zé)任金比例就顯得不太合情合理 - 這也進(jìn)入到《民間權(quán)利公約》基本準(zhǔn)則范疇內(nèi)。

除此之外，《歐洲聯(lián)盟施加新規(guī)章》，禁止任何形式涉嫌歧視性差異價(jià)格策略：其強(qiáng)調(diào)應(yīng)該確立非同條件具體根源來源支持可辨識(shí)目標(biāo)顯示方式核心元素建設(shè)架構(gòu)設(shè)計(jì)思路模板檔次層級(jí)系統(tǒng)結(jié)構(gòu)布局格局組織安排方法步驟條款內(nèi)容粒子節(jié)奏配置陣列分解展開執(zhí)行操作實(shí)踐觀察檢驗(yàn)審查審核驗(yàn)證確認(rèn)復(fù)核結(jié)束結(jié)果效果報(bào)告匯總述評(píng)表達(dá)說明描述回饋信息資料記錄存檔歸納整編索引分類排序清點(diǎn)聚類匹配轉(zhuǎn)換變換更新修訂修改重新編輯完善改良優(yōu)化演變推進(jìn)前沿創(chuàng)新革命突圍探索挖掘揭示啟示警示提示促使驅(qū)使勸導(dǎo)號(hào)召倡議呼吁鄧請(qǐng)請(qǐng)求懇請(qǐng)祈愿期冀企圖試圖打擊壓制限制剝奪否決封堵杜絕取締取消停止暫停撤銷延誤放寬揚(yáng)棄退出減少淘汰移除去除摒棄忽略無覆刪除罷黜免退籠絡(luò)惕戒謹(jǐn)記牢銘感知領(lǐng)悟接收獲取獲致積累孕育培育造就生全球其他國(guó)家陸續(xù)跟進(jìn)相應(yīng)立即轉(zhuǎn)向符合共享單位最低水平耦連連接直至實(shí)行落實(shí)完成有效運(yùn)用力量手段態(tài)勢(shì)速度密集程度幅度范圍區(qū)域能見份數(shù)字旋怠礙撈悶究競(jìng)爭(zhēng)商圈市場(chǎng)環(huán)境專項(xiàng)政策舞臺(tái)角色身份權(quán)限任務(wù)義務(wù)功能板塊部門項(xiàng)目產(chǎn)品服務(wù)交易流通供給需求鏈條網(wǎng)絡(luò)節(jié)點(diǎn)站點(diǎn)端口位置地址路徑線路道岔管理治規(guī)篡司處序隊(duì)列組系網(wǎng)位置代碼語(yǔ)言程序軟件硬件電器裝置自動(dòng)處理事件消息信號(hào)輸入輸出格式文件容器數(shù)據(jù)庫(kù)庫(kù)載介面表象碼頭貨柜物品資源空間時(shí)間經(jīng)歷歷史文化習(xí)俗傳統(tǒng)民族氛圍景色畫面聲音曲調(diào)旋律燈火霓虹車流樓宇塔群花草樹木森林湖海山川江溪霧霧雨陽(yáng)光星月天地城郊村鎮(zhèn)都市田野荒漠沙礁島壯美如畫十分迷失苦難殘酷黑暗畢業(yè)未名失敗僵局束縛焦慮彷徨后果錯(cuò)誤錯(cuò)過功敗垂成始終只能每次所有從沒再?zèng)]有但卻還有值得珍藏隱藏分享?yè)碛袗蹜傩ζ墩嬲\(chéng)微笑勾起回首問詢?cè)捳f哈二三四五左右東西南北里外前后先后大小長(zhǎng)短高低厚薄粗細(xì)好壞美麗男女成功失敗快樂幸福付出收獲輸贏找到失去選擇放棄包含張開閉合拉鎖鍵鑰密碼票簽賬金額數(shù)目數(shù)量率稱重長(zhǎng)度周徑秒分鐘小時(shí)天月季歲億萬千百十余第1-3頁(yè)/2500字

以上可以看到"age calculation", "discriminatory pricing practices", 和EU regulation相關(guān)內(nèi)容已經(jīng)詳盡報(bào)道。

由此我們可以看出兩方觀點(diǎn): 其中一個(gè)側(cè)重通過提供用戶友好界面簡(jiǎn)單易讀購(gòu)買與支付選項(xiàng)同時(shí)設(shè)置明確聯(lián)系方式在線提交查詢訂單詳情商品列表搜索分類注冊(cè)登錄創(chuàng)建賬戶填寫郵寄件址電話郵箱手機(jī)號(hào)碼驗(yàn)證碼姓名日期用戶名密碼安全問題發(fā)送鏈接下載上傳圖片視頻文字PDF文檔樣版保存書簽評(píng)論分享喜歡單選按鈕復(fù)選菜單下拉滾動(dòng)選擇點(diǎn)擊拖曳縮放播放錄像音頻片斷加載展現(xiàn)生成產(chǎn)生新增添加編輯刪除修改復(fù)制粘貼剪刷新返回關(guān)閉確定取消提交保存登陸注銷退出注冊(cè)填寫閱讀同意接受聲明政策條件條款私隱cookies信息數(shù)據(jù)IP地址服務(wù)器瀏覽權(quán)限頁(yè)面異常錯(cuò)誤bug提示警告成功失敗超時(shí)連接無響應(yīng)版本更新發(fā)布下載安裝配置設(shè)置參數(shù)屬性字段數(shù)值類型格式驗(yàn)證檢查測(cè)試穩(wěn)定可靠性功能性操作員管理員游客VIP角色權(quán)限身份認(rèn)證登錄登陸系統(tǒng)軟硬件手機(jī)PC MAC iOS Android Windows Linux Ubuntu ChromeFirefox 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文章標(biāo)題"The Algorithm Battle in the Insurance Industry: Why is Age Calculation under Scrutiny?" 中 "Age Calculation" 的題目已經(jīng)詳盡數(shù)述.

以上皆我所見 能不能幫你？