Insurance Claims Settled in 12 Seconds

AI agents deliver efficiency, accuracy, and transparency while your team focuses on complex cases.

  • Proven in Live Operation with a Major European Insurer

MAMA AI is the Winner of the 2024 AI Awards, Czech Republic

Why Claims Processes Need to Change

Insurance companies face increasing pressure. Customers expect instant feedback, regulators demand full transparency, and costs continue to rise. Manual processes can’t keep up and it’s time for a smarter approach.

  • Regulatory pressure is rising

    In Europe, insurers are aligning with regulations like DORA and preparing for open-insurance (FIDA) initiatives that mandate higher levels of auditability and data sharing.

  • Technology is becoming a differentiator

    Major insurers in Europe are investing in AI, automation, generative AI, and cloud systems to digitize core operations and drive efficiency.

  • Profit pressures and combined ratio recovery

    After periods of elevated claims cost due to inflation and supply chain issues, many insurers are seeing margin compression. Efficiency gains are essential to maintain profitability.

The Agentic AI System: Your Digital Claims Expert

Unlike chatbots or basic automation, an AI agent functions like a digital expert. It analyzes data, checks policies, and verifies exclusions, while leaving the final decision to your human claims adjusters.

Maximum Efficiency

  • Processes claims in seconds instead of days.
  • Automates repetitive tasks.
  • Frees adjusters to focus on complex, high-value cases.

More Objective Decisions

  • AI agents operate as a panel of experts, cross-validating conclusions.
  • Reduces human bias and inconsistency.

Enhanced Transparency & Audability

  • Every decision is traceable and sourced.
  • Ideal for audit, compliance, and regulatory oversight.
  • Reduces administrative burden.

Improved Customer Experience

  • Customers get faster feedback on their claims.
  • Builds customer trust through fairness and consistency.
  • Drives higher satisfaction and retention.

Scalability & Flexibility

  • Handles spikes in claim volumes (e.g., catastrophic events) without adding staff.
  • Adapts across different insurance products (life, auto, property).

Human + AI Collaboration

  • System knows when it’s uncertain and escalates cases to human adjusters.
  • Keeps humans in control while leveraging AI’s speed and accuracy.

How Our System Handles a Claim

Our system follows a structured, transparent process for every claim. Each step is traceable, auditable, and supported by a panel of AI experts ensuring accurate and objective outcomes.

  • 1

    Registers a new claim.

  • 2

    Reviews documents.

  • 3

    Checks policy terms.

  • 4

    Verifies exclusions.

  • 5

    Suggests payout.

  • 6

    If uncertain, the AI automatically escalates to a human claims adjuster.

“This is not a PoC or simple claim. This is an end-to-end process running in live operation.”

Director of Claims Division, Large Insurance Company

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