In today’s competitive insurance landscape, claims handling is both a crucial service function and a major source of cost. Automation is now reshaping how insurers manage this process, and Comarch is actively exploring how insurers can reduce handling costs by as much as 30% through smart digital strategies.
Whether dealing with thousands of simple claims or fewer but more complex ones, insurers face growing pressure to process quickly, transparently, and cost-effectively.
For repeatable claims, like those in motor or health insurance, automation allows companies to streamline high-volume processing and cut manual work.
On the other hand, complex claims, such as in life insurance, require full automation from the first notification of loss (FNOL) through to final payout.
Comarch presents a detailed checklist of improvements that can deliver measurable gains. These range from faster front-office capabilities and automated complaint workflows to centralised documentation, integration with accounting systems, and same-day payouts.
Document templates, DMS storage, and profitability simulations also contribute to greater efficiency and fewer customer service issues.
The potential for cost reduction is significant, with up to 30% savings achievable depending on resources and current system maturity.
But insurers often face roadblocks. Budget constraints, internal resistance, and uncertainty around ROI can stall projects. Comarch recommends a phased implementation strategy—prioritising high-impact areas first and delivering early wins to build confidence and justify further investment.
Beyond operational efficiency, transforming claims into a fully digital, automated process also enhances customer satisfaction.
Faster settlements, fewer errors, and more transparency help insurers earn trust and loyalty—turning claims into a competitive advantage rather than just a cost.
Ultimately, insurers embracing automation today are not just solving short-term problems—they are building stronger, more agile businesses for the long term.
Read the full blog from Comarch here.
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