Claims handling remains one of the most critical, but cost-intensive, functions within insurance. As the industry searches for scalable solutions, Comarch is examining how digital transformation and smart automation can streamline operations while keeping budgets under control.
Insurance firms can gain meaningful advantages by automating their claims processes. Real-world transformation initiatives show that integrating systems, automating workflows, centralising documentation, offering configurable settings for users, and tracking performance can dramatically lower operational costs while enhancing the customer experience.
Cost reductions in claims can be approached in two ways. First, by automating high-volume, repeatable processes—common in motor and health insurance—firms can process more claims faster, with fewer manual errors.
Second, more complex claims, such as those found in life insurance, benefit from full-path automation. From first notification of loss (FNOL) to verification and assessment, smart workflows improve accuracy, speed, and compliance.
A practical checklist of potential improvements offers insurers a roadmap to achieve up to 30% cost savings.
These include automating front office functions, enabling instant payments through accounting integration, storing documents in a DMS, and reducing dependency on email for customer interactions.
Tools like simulation dashboards, KPI widgets, and system integrations also boost internal efficiency.
Of course, transformation does come with barriers. High implementation costs, unclear ROI timelines, and resistance from internal teams can slow down progress.
Comarch advises a phased rollout—starting with high-impact processes that bring fast results. This approach not only secures early wins but also builds momentum for broader organisational adoption.
But claims process transformation isn’t only about cost—it’s a strategic shift. Automation improves speed, transparency, and service quality, while empowering staff and building customer trust.
This positions insurers more competitively in an increasingly digital and customer-driven landscape.
Investing in claims automation today means more than optimising operations—it’s about future-proofing the business for tomorrow.
Read the full blog from Comarch here.
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