Straight-through processing for insurers with AI
Claims, applications and incoming mail can be handled automatically with AI-powered document understanding. That raises the straight-through processing rate and shortens handling time, GDPR-compliant and ready for on-premise.
The problem
Manual cases slow handling down
Today, a large share of incoming cases is reviewed, checked and assigned by hand. That costs time and lowers the straight-through processing rate.
Low straight-through processing rate
Too many cases drop out of automation and end up being handled manually.
Mixed documents
Claims, applications and correspondence arrive in many formats and qualities.
Rules kept in people's heads
Tariff and policy-terms documents have to be consulted on every check.
Long handling times
Manual assignment and review delay the response to customers and brokers.
The solution
Close more cases automatically
AI-powered document understanding recognizes, extracts and assigns, so more cases run through without manual intervention.
Classify incoming mail
Incoming documents are automatically recognized by case type and sorted.
Extract data
Relevant fields from claims and applications are read out and structured.
Assign the case
The case is assigned to the right policy, customer and caseworker.
Rules via RAG
Tariff and policy-terms documents are consulted via RAG, with a source reference.
Check plausibility
The AI checks completeness and plausibility and flags exceptions.
Human-in-the-loop
Uncertain cases go to a person on purpose; the rest run straight through.
GDPR & regulators
Compliance and data sovereignty in view
Insurance data is especially sensitive and regulated. Processing runs GDPR-compliant, on-premise if you want, with traceable, documented decisions.
- Runs on-premise or in your own cloud
- No data leaks to external AI providers
- Traceable decisions with a source reference
- Human-in-the-loop for regulatory-critical cases
Use cases
Where straight-through processing applies
Claim notifications
Capture and check claims and close simple cases automatically.
Applications
Read out applications, check their plausibility and assign them to the right case.
Incoming mail
Classify and route incoming mail automatically.
Broker correspondence
Assign correspondence to the right policy and broker.
Integration
Connecting to policy and claims systems
Processing connects to your core systems without you having to replace them.
- Policy and claims systems via API
- Incoming mail from email, scan and portal
- DMS and archive systems
- Tariff and policy-terms documents as a knowledge source
Process
From idea to a higher rate
Analysis
We map your case types and your current rate and find the biggest outliers.
Proof of concept
On real cases, we measure how much can be closed automatically.
Integration and operation
We connect to your systems, then run it with monitoring of the straight-through processing rate.
FAQ
Common questions about straight-through processing
What does straight-through processing mean?
Cases that are handled fully automatically without manual intervention, from intake to close.
How much can the rate be increased?
It depends on your case types. In the proof of concept we measure on real data before we go live.
What happens to uncertain cases?
Based on thresholds they go specifically into manual handling (human-in-the-loop); the rest run straight through.
How are tariff and policy-terms documents included?
Via RAG: the AI consults the relevant rules and backs its decision with the source reference.
Can this be done in a GDPR- and regulator-compliant way?
Yes, on-premise if you want and with traceable, documented decisions, which makes the regulatory review easier.
Raise your straight-through processing rate
Book a free intro call. We will estimate how much of your cases can be automated.
Let’s talk about how AI can move your business forward.
Get in touch, we look forward to your project.