ผลงานสมัครเข้าร่วม OIC InsurTech Award 2026 - [Team Name] · Challenge #3 Disaster-related risks · SinkAlert BMC
Honesty: Phase B RF (phase_b_rf_v1_56) is research screening only —
OOF AP ~0.945 / F1 ~0.957 / LOPO AUC ~0.968 · operational_use=false · never auto-CAP.
Insurance value = decision support / screening / ops — not actuarial guarantees or automatic premium pricing.
Key Partners
พันธมิตรหลัก
- Insurers / brokers — pilot underwriting & claims desks (non-life)
- Municipal / disaster agencies — MHEWS-style coordination
- GISTDA / GIS partners — remote sensing & validation path
- Utility GIS (future) — MEA / MWA underground inventories
- OIC · CIT — InsurTech ecosystem & award channel
- Citizens / LINE OA — ground-truth event intake
Key Activities
กิจกรรมหลัก
- Citizen report intake + verification
- Event catalog & map ops
- RF research screening (frozen v1.56)
- Insurer pilot workshops / BMC demos
- Honest status & partner briefs
Value Propositions
คุณค่าที่เสนอ
- Underwriting awareness — where urban sinkhole / subsidence exposure clusters in BMR
- Portfolio hotspot screening — overlay book vs events + research susceptibility
- Claims triage support — geolocated citizen reports + audit trail
- Gov / emergency coordination — live ops + MHEWS meta
- Honest science layer — documented OOF metrics; no fake loss-reduction %
- ไม่ใช่: เครื่องคำนวณเบี้ยอัตโนมัติ / สัญญาลดสินไหม %
Customer Relationships
ความสัมพันธ์ลูกค้า
- Pilot desks (white-glove)
- Shared dashboards / brief PDFs
- LINE + web citizen trust tiers
- Admin review & audit log
- Partner GISTDA-style one-pagers
Customer Segments
กลุ่มลูกค้า
- Primary: Thai non-life insurers — underwriting, risk engineering, claims (BMR)
- Secondary: Brokers / reinsurers needing urban geohazard context
- Public: Municipal disaster / road agencies
- Citizens: reporters via web + LINE OA
- Award judges: OIC + CIT Challenge #3
Key Resources
ทรัพยากรหลัก
- Live Contabo stack (dashboard, APIs, MHEWS)
- Citizen + admin platform
- Frozen RF model + metadata
- Verified BMR event catalog
- Team 2–3 · bilingual docs
Channels
ช่องทาง
- dashboard.cfoth.ai/sinkalert
- Citizen map + LINE OA
- MHEWS JSON endpoints
- OIC/CIT submit (BMC PDF)
- Partner briefs (GISTDA etc.)
Cost Structure
โครงสร้างต้นทุน
- Infra: Contabo VPS · PostgreSQL · nginx · PM2 services
- Build: product engineering · GIS / RF research (open data) · verification ops
- Compliance: PDPA-minded retention · audit log · rate limits
- Pilot: insurer workshop time · partner GIS negotiation (MEA/MWA — future unlock)
- Lean: static HTML pages · no heavy media in award PDF (≤20MB easy)
Revenue Streams (target model)
กระแสรายได้ (เป้าหมาย — ยังไม่ใช่รายได้จริงทั้งหมด)
- SaaS / seat: insurer risk-desk access to screening maps + event feed
- Pilot / PoC fees: time-boxed BMR portfolio screening engagements
- Data ops: claims triage API / webhook for report intake (decision support)
- Gov / grant: disaster-awareness layers aligned with MHEWS — not CAP auto-issue from RF
- Explicit non-revenue claim: we do not sell “guaranteed loss ratio improvement %”