ChatGPT is an artificial intelligence (AI) tool from OpenAI that is built on large language models (LLMs). These LLMs are capable of understanding text and generating answers. When OpenAI released its application programming interface (API) for ChatGPT at the beginning of March, we started internal testing straight away.
The new Clara service is based on ChatGPT. Helvetia uses Chat GPT’s language capabilities and equips the software with “knowledge” in the form of content from its website. When you ask Clara a question, we send the question to ChatGPT together with the appropriate content from our website and receive a reply that has been drafted by ChatGPT.
Clara's knowledge in this experiment consists exclusively of the content from our website. Although she can answer many questions correctly, she can occasionally give answers that are incorrect or imprecisely worded. We state this very clearly in the experiment.
Clara is also not capable of answering questions relating to individual insurance cover. This is because she doesn’t have access to any individual contracts or policies.
Clara’s answers are given as a guide; in no way are they a substitute for an individual discussion with an advisor. It is important to take a critical look at the answers given and not rely on them being accurate, even if they seem plausible.
AI is new for many of us, and – as with all new technology – we have to learn how to use it and to recognize its limitations.
Helvetia, like most other insurers, makes a huge amount of information available on its website. Users can search for information online, interpret it and build up a picture of the products and services available. With our Clara experiment, we’re speeding up this process: If someone asks Clara a question, the AI chatbot looks for the appropriate information on our website and interprets it for the person who has asked the question. Instead of having to look for the information themself, this person receives an answer that has been drafted by AI.
AI makes finding and interpreting the information we make available on our website easier. Thanks to the new Clara service, therefore, you can ask questions about insurance and pensions no matter where you are or what time it is.
In addition, our experiment is consciously directed at AI-aware people who will enjoy testing what Clara can do. We want to inspire our customers and gather experience together with them. Everyone is welcome to test Clara’s new capabilities.
Clara is the first AI-assisted chatbot that builds on the ChatGPT API from OpenAI. As an AI chatbot, Clara uses complex algorithms and machine learning from ChatGPT’s provider OpenAI to react to your questions and answers. The information provided through Clara may be incorrect. Consequently, the answers Clara gives with the help of OpenAI’s ChatGPT are not legally binding. This means no warranty is given or liability assumed as to the accuracy, completeness or currency of the information provided. Use of the chatbot is at the user’s own risk. As a consequence, if the information you need regards the various forms of insurance cover available, we recommend that you contact Helvetia or our insurance advisory service directly to arrange an individual consultation.
We can recognize certain patterns in your chat history that will allow us to improve Clara’s ability to answer your questions. These patterns can include the topics, preferences and interests that emerge from your chat history.
The chatbot with ChatGPT from OpenAI is protected by intellectual property rights, including copyright. Copies, modifications or dissemination of the chatbot is not permitted without the express approval of the rights holder.
Actions such as harassment, defamation or violation of others’ rights through the use of the chatbot are prohibited, and any infringement of these rules could result in penalties or prosecution.
Our chatbot uses ChatGPT from OpenAI. The only data we collect is the data that is necessary to provide the chatbot service. ChatGPT can draft and process personal data such as names, addresses, telephone numbers and e-mail addresses if you submit these in the chat. However, we do not systematically collect or store this personal data that allows you to be identified (e.g., your name, address or phone number). If you do not want to pass on any personal data to the chatbot, simply do not submit any in the chat. In fact – to be completely sure – do not submit any personal information or details whatsoever in the chat. Your data will not be passed on to third parties unless this is required by law or necessary to enable us to satisfy our contractual obligations. If you make personal data available to us, we will use this only for the purpose for which you made it available to us. We do not use cookies to track your interaction with the chatbot.
By using Clara, you are acknowledging and accepting that your interaction is processed using technology from and in the United States of America. OpenAI’s provisions as stipulated at www.openai.com/policies apply.
We update this information on an ongoing basis. Please check this page regularly to ensure that you are up to date on current data protection practices.
If you have further questions regarding data protection, please contact us at datenschutz@helvetia.ch or obtain information at www.helvetia.ch/privacy.
If you are not in agreement with the Terms of Use or the information regarding data protection, you should not use Clara.
We have developed this alternative chatbot version to make our services even better. If you are not happy with information from Clara or if you have other questions, then please contact conversational@helvetia.ch.