1. a e r i a l i n t e l l i g e n c e f o r t h e r e s t o f u s

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Skyglyph
Successful Practice of Drone Usage in Agro Insurance
Victor Yermak
CEO
Skyglyph
June, 2017

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Crop Insurance Challenges
Currently, the crop insurance claims process is cost- and time- consuming
Providing assessment manually often leads to inaccurate loss estimation
Often, claims processing is impossible due to ongoing natural disasters
Fraudulent claims are not rare
Lack of reliable data about past incidents and current state of crop leads to
incorrect insurance premiums

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Technological Trends
#BigData #AerialImagery
#1 Big Data. high-volume, high-velocity and high-variety information gathering from a field,
which provides data about past incidents as well as probability of future incidents
Insurers have to collect accurate data from any source, as often as possible, which can be used to make
underwriting and claim processing faster, more objective and fraud-free
#2 Aerial Imagery utilizes digital images and software to view properties and land, estimate
their size, location and incurred damage to identify risks.
Insurers have started to use aerial imagery and drones for assessing crops, which enables them to do
quicker claim processing

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The future of crop insurance
In the next five years:
Mass usage of professional drones in agro insurance for aerial image collection
Drones become tightly incorporated within new crop insurance products
Every P&C insurance company will use cloud software for collection, processing and
recognition of aerial big data
Every large/medium farmer will have a personal drone and will use the images gathered for
feeding into the system of insurance company in case of an insurance accident
The insurer can remotely monitor crops and be aware of any issues and risks from a much
earlier stage

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The Skyglyph Approach
Our cloud aerial scouting platform focuses on image recognition and Machine Learning
Send a drone to the
field and collect
photos
Load the images into
our cloud
Process the images, accumulate
statistics and calculate the area of
the damaged crop
Our solution eliminates gaps between current technologies and business needs in terms of
planning, data analysis and result interpretation in the insurance business

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The Skyglyph Value
Save time, money, accelerate the claim cycle, and avoid fraud
5x-10x decrease in the amount of time it takes to process a claim
up to 30% surveying cost reduction
15-30% decrease in loss payouts
10% reduction in fraudulent claim payouts
Increased objectivity and precision of property damage assessment
Ease of output sharing with key stakeholders (farmers, crop consultants, farmer suppliers, etc.)

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Business Case #1
Saving Loss Payouts
A farmer filed an insurance claim after a flood.
A “Manual style” adjuster estimated the damage at
50% of the insured amount.
Skyglyph did the aerial scouting, made the RGB and
NDVI maps and image segmentation.
The following analysis resulted in the insurance
company re-estimating the claim by more than 30%.

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Business Case #2
Acceleration
An Insurance company ordered an inspection of a 130 h.a.
field after a big flood.
We provided visual and NDVI (Normalized Difference
Vegetation Index) orthophotos.
NDVI photo allows to show the health of a crop according to a color
scale, where green color means maximal health and red indicates
absence of vegetation.
The system indicated that 85% of the crop was severely
damaged.
Total time to collect and process - 4 hours.
The interpretation and analysis were done the following
day.
Without Skyglyph technology, the whole process
ordinarily takes 3-5 days.

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Business Case #3
Prevention of Fraud
An insurance claim was filed after a hail storm.
The orthophotos provide a measurement border of the
field to be compared with the total field area.
The system detected that the insured area was 17% less
than the claimed area.
Fraud was detected and prevented.

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Business Case #4
Making Settlement Possible
An insurance claim concerning a 500 ha
sunflower/corn field after a winter storm.
High difficulty to precisely detect the damaged area
due to complexity and lack of time before harvesting.
We collected precision photos from an altitude of
70m, went through crop & damage classification and
the system approximated the damaged area.
Settlement became possible.

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Components of the Solution
Skyglyph is a cloud platform for aerial image collection, processing, and recognition.
► Insurance focus
► Unique engine for image segmentation and
recognition
► Multilingual interface and localization
Asset
Mapping
Multi Org
Management
Mission
Planning
Big Data
Objects Storage
Collaboration Processing and
Analysis
► Corporate edition
► Consulting service

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Thank you.