A Leading German Insurance Provider
Industry
Insurance
Year
2024
Stack
React (Front end), GPT4o, Azure AI Studio, PromptFlow, Azure App Service, Azure Cloud
⸻ Business Impact
Faster Claims Processing, Lower Operational Costs, and Scalable AI Integration
Handling thousands of insurance claims daily, our customer needed a way to optimize operations, improve efficiency, and manage cost-effective scalability. AI-powered claims automation enabled faster processing, reduced administrative workload, improved customer satisfaction, and improved fraud detection—all while ensuring human oversight for critical decision-making.
By integrating AI into their claims workflow, the company achieved:
150% faster processing times, reducing manual reviews from an average of 3 days to 1 day, improving employee retention and customer satisfaction.
30% cost savings on claims handling due to reduced manual intervention.
Improved fraud detection, flagging 20% more suspicious cases for review.
Scalability without additional workforce, mitigating labor shortages in the insurance sector.
⸻ STARTING POINT & GOALS
High Processing Costs, Labor Shortages, and Unpredictable Demands
The insurance industry is complex, with diverse products requiring employees to adapt to changing policies constantly. Traditionally, every policy update required extensive training, increasing operational costs and limiting scalability.
Additionally, claims processing relied heavily on manual document reviews, leading to inefficiencies:
- Smaller claims were paid directly due to the high manual processing cost.
- Manual claims review required multiple employees, leading to bottlenecks and inconsistent processing times.
- High operational costs made it difficult to scale efficiently as demand fluctuated.
- Labor shortages in the German insurance industry made expanding operations increasingly difficult.
Our customer sought a solution to reduce costs, improve processing efficiency, and ensure compliance across multiple insurance products without extensive retraining.
Background
The German insurance industry faces a growing labor shortage, making scalable operations critical for future growth. By implementing AI-driven claims processing, our customer not only reduced costs but also ensured they could handle increasing workloads without additional hiring while enhancing customer satisfaction.
This solution enables insurance companies to remain competitive while delivering a better experience for policyholders—faster payouts, greater transparency, and improved fraud prevention.
With this AI-powered transformation, the company is now poised to expand claims automation to other insurance products, setting a new standard for efficiency in the industry.
⸻ SOLUTION
AI-Powered Claims Automation with Seamless Human Oversight
MobiLab designed an AI-driven claims processing system that integrates seamlessly with the insurance provider’s existing data infrastructure. This system enhances efficiency while keeping human decision-makers in the loop.
Key features include:
01Automated Document Processing
AI automatically classifies and validates claims against legal and policy frameworks.
02Instant Fraud Detection
AI flags anomalies for human review, improving fraud prevention.
03Adaptive AI Training
New policy changes can be implemented in AI training instantly, reducing the need for extensive employee retraining.
The system ensures that human employees remain focused on complex claims while automation handles routine tasks, optimizing both speed and accuracy.
⸻ Conclusion
Tech Highlights
How our customer benefits from the new AI solution:
➞ AI-Powered Claims Processing
AI automates document classification, cross-checks claims against legal policies, and processes payouts faster with real-time decision-making.
➞ Absorbing Dynamic Claim Volumes
The automation system absorbs increased claim volumes without hiring additional employees, addressing labor shortages. A scalable, flexible architecture designed to grow alongside our customer’s business needs.
➞ Cost-Effective Operations
By reducing manual intervention and automating claims, the company saves significantly on administrative costs.
➞ Rapid Policy Adaptation
Since insurance products constantly evolve, AI training ensures that any policy update is integrated instantly without requiring extensive employee retraining.
Let's go forward. Together.
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