Incomplete intake
Missing documents and unusable photos trigger follow-up requests – and the case lands back on a claims handler’s desk.
AI for insurance processes
Complete claims data. Automated from the first photo.
Aestimo Capture guides your customers through the claim capture by link and checks every photo instantly – no app. The Insurance AI Workbench processes the complete data: fully automated or for approval by your experts.
Go straight to your topic:Claims leadershipIT & information securityClaims handlers & loss adjusters
The situation
Automation is only as good as the data coming in.
Manipulated evidence
Edited photos, screenshots and AI-generated images take a few clicks to create. Verification has to start at the point of capture.
The platform
From the first image to the decision – without replacing your core system.
Aestimo connects to your core system, workflow, DMS and CRM through APIs. Capture collects the evidence, the Workbench prepares it, your experts review – and the result returns to your process with a full audit history.
Your insurance environment
Your systems
Core systemWorkflowDMSCRM
API
Aestimo
Capture + Insurance AI Workbench
Capture and structure evidence
Run approved AI workflows
Route exceptions to expert review
Record process and audit history
API
Model boundary
Selected AI models
Cloud or on-premise models – interchangeable per use case.
Approved output returns to the existing insurance process
Aestimo Capture
Complete and usable – right at the point of capture.
Your customers receive a link by SMS, email or WhatsApp and are guided step by step through the capture in their browser. Every photo is checked the moment it’s taken. Only when everything is complete does the case go to your system.
Explore Aestimo CaptureGuided self-submissionIllustrative
Motor claim · 3 of 5 steps checked
- 01Vehicle front viewchecked
- 02Close-up of damagechecked
- 03Registration document (upload)checked
- 04Odometer readingretake
- 05Statement (audio)open
Photo not usable – please take it again.
Guided self-submission
The default: steps per claim category, real-time feedback on every photo and automatic completion once everything is in. No appointment, no expert.
Live video inspection
For complex cases: the assessor guides the customer on a video call, controls camera and flashlight and takes photos remotely – no travel.
99%of photo and data manipulation prevented at the source
Photos, video and data are captured live in an interface controlled by Aestimo – not uploaded from the gallery. Edited or AI-generated files never get into the case. Aestimo operational figure.
- Real-time check of every photo with instant feedback
- Journeys per claim category with mandatory steps
- Automatic completion once everything is in
- Triggered and handed off via API and webhook
- AI damage description and detection of screenshots or photos of photos
- No app – link by SMS, email or WhatsApp, in 6 languages
For complex cases
Guided live when details matter.
When a claim needs an expert’s eye, the assessor accompanies the capture on a video call – without travelling. The evidence flows into the same process.
Insurance AI Workbench
Ready-to-use AI for your insurance processes.
Field-tested AI for claims, underwriting, contracts and actuarial work – integrated into your core systems through APIs and expandable with specialist skills. Fully automated, interactive or batch, with versioning, roles and audit history.
A controlled AI analysis engine – not a chatbot.
Powered by 9elf26.ai
Explore the Insurance AI WorkbenchDefine the insurance workflowControlled process
Manage prompt and model versionsVersioned
Connect approved knowledge sourcesAccess controlled
Run AI-supported analysisRepeatable
Apply the review ruleStraight-through or expert approval
Return approved output through APIAudit history
Prompt management · Multi-model connection · Knowledge management · Role-based access · Quality review · Full audit trail · API integration
Up to40%lower costs
Up to70%less processing effort
Achievable with the Insurance AI Workbench. Results vary by process and implementation.
Typical starting points
AI damage analysis
Automated analysis of photos and statements at FNOL and inspection – returns damage type, extent and a first assessment.
Discuss this use caseCoverage check
Checks automatically whether the reported loss is covered by the policy and flags borderline cases for manual review.
Discuss this use caseIntelligent email triage
Classifies incoming email from shared mailboxes – from customers, intermediaries, repair shops, police or fire services – and routes it to the right department and line of business. No message is left sitting in the wrong mailbox.
- Extracts policy and claim numbers, VIN and licence plate
- Short summary, classification and next step for every email
- Falls back to customer service when no specialist team fits
Fraud assessment
Checks statements and media for anomalies and points the claims handler to them.
- Plausibility check of statements
- Media forensics for photos and video
- Alert to the claims handler when something looks off
Requests for missing documents
Detects missing information, documents or photos in claims and applications, drafts the right request to the customer, intermediary or loss adjuster and tracks whether it arrives.
Discuss this use caseClaim summary
Combines photos, videos, documents and spoken statements into a structured claim overview.
Discuss this use caseOne claim, two paths
AI prepares. People decide.
A motor claim from first notice to settlement: complete intake with Capture, analysis in the Workbench – and your review rules decide which path it takes.
01 CaptureIllustrative
Complete on arrival
- Photos (5 of 5)checked
- Registration documentchecked
- Statement (audio)recorded
02 Workbench
Analysed
- Coverage checkcovered
- Cost estimate€2,400
- Plausibility and image checksdone
03 Review rule
Your rule decides
A standard case? Covered, below your amount threshold, no anomalies – or not?
Standard case
Straight through
Settled automatically – no expert needed.
- Settlement approved by rule
- Customer letter generated and sent
- Result and audit history returned to the core system
Exception
To an expert
For example a flagged image or an amount above your threshold. The expert starts with everything prepared.
- Summary with photos, coverage result and cost estimate
- The reason for the exception, clearly stated
- The expert decides – documented in the audit history
Illustrative workflow with sample data, not a live analysis. Rules and thresholds are set by you.
For IT & information security
Fits your architecture and your policies.
We clarify data flows, interfaces and operational responsibilities together with business and IT teams – before the first case goes live.
Explore integration & securityHosting in Germany
Your data is hosted in Germany, in the EU. Backup hosting in further regions is possible for additional resilience.
End-to-end encryption
Data is encrypted in transit and at rest.
ISO 27001
Information security in line with ISO 27001 requirements.
DPA & SLA
A clear data processing agreement and a binding service level agreement.
REST API
Create cases, assign owners, read and write metadata and documents.
Webhooks
Notify your systems of Aestimo events automatically.
Company
Built by people who know insurance software.
Aestimo’s leadership brings together insurance software, enterprise digitalisation, AI and process automation.
100+years of combined experience in insurance software and digitalisation.
Dominique WurzlerCEO
Founder of Digital.ai – enterprise digital transformation with clients including Allianz, Deutsche Bank and NXP.
Matevž RostaherCOO
Founder of two core insurance software companies. More than 30 years in insurance projects across DACH and the Middle East. InsurTech and DORA speaker.
Uroš OrešičCTO
Former Head of Development at Kolektor Digital, with experience across AI, process automation and autonomous robots. Digitalisation specialist.
Michael KrausCMO
Founder of a multinational core insurance software company and of the insurance software accelerator 9elf26.
From conversation to pilot
Start with one use case. Measure the impact. Then scale.
Select a use case
Agree on the process, starting point and desired outcome.
Connect the workflow
Align data, roles and handovers with business and IT.
Measure the impact
Compare follow-up questions, time to a workable case and handover quality.
Book a demo
Bring one process. We’ll show you where Aestimo fits.
A specific use case is the best starting point.