AI use cases for your insurance processes.

AI damage analysis

Automated analysis of photos and statements at FNOL and inspection – returns damage type, extent and a first assessment.

Coverage check

Checks automatically whether the reported loss is covered by the policy and flags borderline cases for manual review.

Invoice and receipt check

Extracts, assesses and validates invoices and receipts against rules and bills of quantities.

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

Classification & routing

Detects claim type and priority and routes the case to the right handler automatically.

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.

Expert report review

Reviews external expert reports for plausibility and consistency with the documented damage.

Recourse check

Checks automatically whether a case justifies recourse claims against third parties.

Automated property claim settlement

Extracts structured data from submitted documents – including handwritten PDFs, for example from property managers – matches it with policy and claims data and prepares or completes settlement based on business rules.

Claim status self-service

Gives policyholders their claim status and outstanding documents – straight from the case data and with approved answers only.

Claim summary

Combines photos, videos, documents and spoken statements into a structured claim overview.

Cost estimate & classification

Estimates the claim amount from the summary and classifies the case by complexity and priority.

Recommended next steps

Derives concrete next steps from the summary.

• Settle or bring in a loss adjuster
• Ask the policyholder follow-up questions

Material & condition

Recognises the material and condition of an object from photos.

Instruction-to-object match

Matches free-text instructions against the object and the bill of quantities.

Quote comparison

Compares contractor quotes with the calculation and the bill of quantities.

Repair or replace

Recommends the more economical decision.

Risk improvement list

Turns the risk assessment into a list of recommendations.

Risk pricing

Derives a price from the risk assessment: risk classes and weather data, matching against the tariff, price estimate.

Life risk pre-check

Assesses life insurance pre-applications automatically and prepares the risk assessment for underwriting.

Building valuation

Determines building values from statements, photos and documents as the basis for sum insured and pricing.

Formal offer validation

Checks offers and applications for completeness and rule compliance before underwriting or signature, and requests anything missing directly from the intermediary.

• Tariff and underwriting rules followed
• Mandatory documents and photos present and usable
• Previous insurance, prior claims and outstanding premiums

Underwriting assistant

Gathers and analyses everything the underwriter needs: underwriting rules, claims history and loss ratio, previous policies, payment history and – where required – industry database checks. The decision stays with the underwriter.

Automated underwriting

Turns applications, photos and free text directly into a risk profile or questionnaire.

Intelligent 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

Policy-specific answers

Prepares answers to questions about a specific policy – such as how terms apply or whether cancellation is permitted. Draws on the core system, CRM, policy terms and internal rules; the employee reviews and sends.

Requests & contract changes

Processes customer requests and contract changes via API and writes them directly into your CRM and core system.

Automated communication

Drafts settlement, approval and rejection letters as well as status updates based on case data and applicable rules.

Portfolio and claims analysis

Evaluates portfolio and claims data automatically and prepares it for actuarial work.

Forecasts & reports

Produces forecasts and reports directly from the data – in batch, without manual preparation.

Talk to your data

Answers questions about internal data with traceable queries – instead of building a new dashboard for every question.

Knowledge management & Q&A

Makes internal guidelines and policy terms searchable for claims handlers – with answers that cite their source.

Automatic form filling

Fills questionnaires or PDF templates in your systems from known information, for example PDF reports.