AI as a sustainable competitive advantage for insurance.

ENTERPRISE AI CONSULTING FOR INSURANCE

AI as a sustainable competitive advantage for insurance.

Our enterprise consulting supports Swiss P&C, life, health, and reinsurance companies in scaling Artificial Intelligence securely – from straight-through processing (STP) in Adcubum Syrius and Guidewire to FINMA-compliant model governance (Guidance 08/2024).

YOUR AI ORIENTATION
01FOCUS & APPLICATION AREA

AI means so many things. Which AI do you actually need? What is your specific area of application?

02FROM EXPERIMENT TO ENTERPRISE

We help - from short-term pilot projects and rapid experiments all the way to enterprise solutions.

03DISCOVER THE POSSIBILITIES

Simply streamline daily workflows or transform an entire business unit with autonomous agents? Discover the possibilities with us.

Adcubum Syrius, Guidewire & SAP Integration

Legal certainty & data sovereignty in Switzerland.

FINMA Guidance 08/2024, ICA/VVG, KVG/UVG & Swiss FADP

Vendor-neutral technology & architecture selection.

Auditable Claims Triage & Underwriting Co-Pilots

Strategy, process automation & custom software.

Consulting Offer

Strategy, Governance & Implementation

We combine strategic foresight with industry-specific compliance and technical process implementation.

Level 1: Claims & Benefits Management

Triage, Coverage Verification & Subrogation

Before we install technology, we create clarity.

  • FNOL & Inbox Automation: Instant extraction and classification of claim notices, photos, invoices, and medical reports.
  • AVB & Coverage Copilot: Citation-backed cross-checking of complex claims against historical and current policy wording generations.
  • Subrogation & Fraud Detection: Early identification of recovery potential (liability/UVG/KVG) and anomalous claim patterns.

Level 2: Underwriting, Actuarial & Broker Desk

Risk Assessment & Quote Preparation

Innovation without risk. We make your AI audit-ready.

  • Corporate Underwriting Assistant: Rapid evaluation of financial statements, risk questionnaires, loss runs, and inspection reports.
  • Automated Quote & Wording Comparison (Brokers): Side-by-side comparison of carrier quotes including sublimits, deductibles, and endorsements.
  • Contract & Clause Auditing: Consistency checks for bespoke special conditions and broker wordings.

Level 3: Customer Service, General Agencies & BVG

Policyholder Advisory & Governance

This is where value is created. We integrate AI deeply into your value chain.

  • Pension & Policyholder Assistant (BVG/3a): Clear responses to inquiries regarding pension certificates, buy-in potential, and homeownership withdrawals.
  • Insurance AI Governance: Audit-proof framework aligned with FINMA expectations, Swiss FADP, and the EU AI Act.

AI Solution Horizons

From Quick Wins to Transformation

Structured implementation steps tailored to your industry value chain.

Short-Term

Phase 1: Immediate Leverage

Fast implementation without complex IT projects. Accelerate your document processing and customer communication with immediately deployable language models.

  • Document Analysis: Automated extraction of damage reports.
  • Customer Interaction: Intelligent chatbots for quick FAQs.
  • Sales Support: AI-supported preparation of consultation meetings.

Medium-Term

Phase 2: Process Integration

Integration into core systems. We automate underwriting processes and optimize fraud detection through machine learning.

  • Claims Processing: Fully automated (dark) processing of standard cases in real time.
  • Risk Assessment: Granular analysis for precise underwriting.
  • Fraud Detection: Pattern recognition to identify atypical claims.

Long-Term

Phase 3: Transformation

Complete digital transformation. We establish predictive models and telematics-based real-time pricing for future-proof insurance products.

  • Telematics: Prediction of cancellation probabilities.
  • Predictive Analytics: Real-time data analysis for dynamic pricing models.
  • Custom AI Models: Tailor-made LLMs (Large Language Models – text generation AI models) for internal knowledge management.
Swiss Tech & Data Architecture

Insurance Architecture: Precision Across Policy Generations and Data Privacy

We securely connect unstructured claims and application documents with your core policy and rating systems.

Integrations & Standards:Adcubum SyriusGuidewiremsg.InsuranceSAP InsuranceIG B2BFINMA / KVG / VVG / UVG

Point-in-Time Policy Grounding (RAG)

The system checks coverage strictly against the exact AVB version and endorsement valid on the date of loss.

Chinese Walls Between KVG, VVG, and UVG

Technically enforced tenant and data separation for highly sensitive health records.

Explainable Decision Support

Transparent reasoning behind every coverage and underwriting suggestion for specialists and internal audit.

Collaboration

Tailored to Your Needs

Whether a clearly defined project or agile support – you have full cost control.

Project Package

Maximum Planning Certainty

Ideal when the goal and scope are clearly defined. We agree on a fixed outcome at a fixed price. Scope, milestones, and acceptance criteria are bindingly defined before the project starts. Any changes are coordinated with you before implementation.

  • Result GuaranteeWe deliver until the agreed goal is achieved.
  • Budget SecurityYou know exactly what it costs. No surprises.

Expert-on-Demand

Agile Support & Interim

Book our experts flexibly as needed – whether as a strategic advisor for a few hours or as an integral part of your team.

  • Interim-SupportWe work hands-on operationally to bridge bottlenecks.
  • No OverheadFull flexibility without long-term staffing commitments.

Approach

What Are the Next Steps?

Initial Consultation (Free)

We discuss your goals with you and clarify without obligation where AI has the greatest leverage in your company. Together we define the framework for a potential collaboration.

1
2

Deep Dive Audit

We analyze your data and processes to uncover concrete automation potentials. We prioritize the use cases that deliver the highest ROI.

Pilot Phase

Instead of pure theory, we implement a working pilot project in a selected area. This proves measurable value risk-free before larger investments are made.

3

Scaling

We roll out the solution, empower your team through training, and establish Swiss FADP-compliant guidelines for sustainable, secure operation.

INSURANCE REGULATION & EVIDENCE

Research and guidance in context

Research can help identify useful applications. It does not replace testing the outcome in your own business.

Guidance 08/24

FINMA mandates clear governance, explainability, and human oversight for AI

In Guidance 08/2024, FINMA stresses that insurers and financial institutions deploying AI in pricing, underwriting, and claims handling must ensure clear accountability, data quality controls, and explainability toward policyholders and regulators.

36 %2025

Occupations with observed AI use in some tasks

The first Anthropic Economic Index (2025) observed Claude use for at least a quarter of tasks in roughly 36% of occupations. This is task coverage, not a measure of worker adoption or a guaranteed time saving.

Consulting FAQ

Answers for Decision-Makers

01

How do you handle the multitude of historical policy wording (AVB) versions and endorsements?

  • That is where generic chatbots fail. We structure your knowledge base with precise metadata (tariff generation, validity period, product line, canton) so the AI assistant always retrieves the exact wording applicable to the policy.
02

Can medical examiners and benefits specialists also be supported by AI?

  • Yes. By generating structured chronological summaries of extensive medical files and expert reports, benefits specialists and medical examiners save up to 50% of reading time while retaining full decision authority.
03

How long does it take to launch a first pilot in Claims or Underwriting?

  • A clearly scoped pilot—such as an AVB coverage assistant or automated pre-analysis of broker tenders—is typically ready in a protected Swiss cloud environment within 4 to 8 weeks.
04

Do you advise both insurance carriers and commercial insurance brokers?

  • Yes. We know both sides of the Swiss insurance market in detail—from primary insurers, health funds, and pension funds to leading B2B insurance brokers.

Artificial Intelligence tailored to your department

We are happy to assist you in consulting on your business processes and within your selected areas of the value chain:

Sales & Distribution

Sales & Distribution

Boost your conversion rates in sales: We show you how to leverage intelligent lead scoring and deeper customer insights to unlock hidden revenue potential.

Opportunities & Risks

Sales & Distribution

Risks

  • -Complex system and CRM integrations
  • -Poor data quality for forecasting
  • -Acceptance among sales staff
  • -Impersonal customer approach at scale

Opportunities

  • ✓Automated lead scoring models
  • ✓Predictive sales and precise revenue forecasts
  • ✓Personalized sales pitches in real time
  • ✓AI-supported sales call analysis
Marketing

Marketing

Minimize wastage in your marketing budget: We help you deploy hyper-personalized campaigns and dramatically accelerate your content creation using AI.

Opportunities & Risks

Marketing

Risks

  • -Violation of brand guidelines (Brand Safety)
  • -Data protection and compliance violations
  • -Quality and authenticity of generated content
  • -Dependence on AI algorithms

Opportunities

  • ✓Automated content generation
  • ✓Real-time personalization (Segments of One)
  • ✓Predictive analytics for budget allocation
  • ✓Scaling of creative processes
HR & Personnel

HR & Personnel

Relieve your HR department of administrative burdens. We guide you in building AI-supported workflows for faster, more accurate recruiting.

Opportunities & Risks

HR & Personnel

Risks

  • -Bias and discrimination in AI processes
  • -Data protection for sensitive personnel data
  • -Lack of human intuition in recruiting
  • -Resistance to performance tracking

Opportunities

  • ✓Automation of routine administrative tasks
  • ✓AI-supported matching of candidate profiles
  • ✓Prediction of fluctuation rates
  • ✓Personalized training programs
Customer Service & Support

Customer Service & Support

Provide premium 24/7 support without increasing headcount: We assist you in implementing smart, empathetic conversational AI assistants.

Opportunities & Risks

Customer Service & Support

Risks

  • -Frustration due to inaccurate chatbot answers
  • -Loss of human empathy
  • -Challenges with complex inquiries
  • -Data protection in customer communication

Opportunities

  • ✓Intelligent ticket categorization
  • ✓24/7 support via conversational AI
  • ✓Automated answering of standard questions
  • ✓Sentiment analysis to detect customer mood
Finance & Controlling

Finance & Controlling

Optimize your liquidity and cash flow forecasting. We support you in eliminating manual data entry and establishing precise real-time financial reporting.

Opportunities & Risks

Finance & Controlling

Risks

  • -Security vulnerabilities in automation
  • -Wrong decisions due to false assumptions
  • -Transparency of AI decisions (Black Box)
  • -Regulatory compliance requirements

Opportunities

  • ✓Automated invoice processing
  • ✓Precise cash flow and revenue forecasts
  • ✓Intelligent anomaly and fraud detection
  • ✓Real-time dashboards and automated reports
Sales & Distribution

Sales & Distribution

Boost your conversion rates in sales: We show you how to leverage intelligent lead scoring and deeper customer insights to unlock hidden revenue potential.

Opportunities & Risks

Sales & Distribution

Risks

  • -Complex system and CRM integrations
  • -Poor data quality for forecasting
  • -Acceptance among sales staff
  • -Impersonal customer approach at scale

Opportunities

  • ✓Automated lead scoring models
  • ✓Predictive sales and precise revenue forecasts
  • ✓Personalized sales pitches in real time
  • ✓AI-supported sales call analysis
Marketing

Marketing

Minimize wastage in your marketing budget: We help you deploy hyper-personalized campaigns and dramatically accelerate your content creation using AI.

Opportunities & Risks

Marketing

Risks

  • -Violation of brand guidelines (Brand Safety)
  • -Data protection and compliance violations
  • -Quality and authenticity of generated content
  • -Dependence on AI algorithms

Opportunities

  • ✓Automated content generation
  • ✓Real-time personalization (Segments of One)
  • ✓Predictive analytics for budget allocation
  • ✓Scaling of creative processes
HR & Personnel

HR & Personnel

Relieve your HR department of administrative burdens. We guide you in building AI-supported workflows for faster, more accurate recruiting.

Opportunities & Risks

HR & Personnel

Risks

  • -Bias and discrimination in AI processes
  • -Data protection for sensitive personnel data
  • -Lack of human intuition in recruiting
  • -Resistance to performance tracking

Opportunities

  • ✓Automation of routine administrative tasks
  • ✓AI-supported matching of candidate profiles
  • ✓Prediction of fluctuation rates
  • ✓Personalized training programs
Customer Service & Support

Customer Service & Support

Provide premium 24/7 support without increasing headcount: We assist you in implementing smart, empathetic conversational AI assistants.

Opportunities & Risks

Customer Service & Support

Risks

  • -Frustration due to inaccurate chatbot answers
  • -Loss of human empathy
  • -Challenges with complex inquiries
  • -Data protection in customer communication

Opportunities

  • ✓Intelligent ticket categorization
  • ✓24/7 support via conversational AI
  • ✓Automated answering of standard questions
  • ✓Sentiment analysis to detect customer mood
Finance & Controlling

Finance & Controlling

Optimize your liquidity and cash flow forecasting. We support you in eliminating manual data entry and establishing precise real-time financial reporting.

Opportunities & Risks

Finance & Controlling

Risks

  • -Security vulnerabilities in automation
  • -Wrong decisions due to false assumptions
  • -Transparency of AI decisions (Black Box)
  • -Regulatory compliance requirements

Opportunities

  • ✓Automated invoice processing
  • ✓Precise cash flow and revenue forecasts
  • ✓Intelligent anomaly and fraud detection
  • ✓Real-time dashboards and automated reports
Sales & Distribution

Sales & Distribution

Boost your conversion rates in sales: We show you how to leverage intelligent lead scoring and deeper customer insights to unlock hidden revenue potential.

Opportunities & Risks

Sales & Distribution

Risks

  • -Complex system and CRM integrations
  • -Poor data quality for forecasting
  • -Acceptance among sales staff
  • -Impersonal customer approach at scale

Opportunities

  • ✓Automated lead scoring models
  • ✓Predictive sales and precise revenue forecasts
  • ✓Personalized sales pitches in real time
  • ✓AI-supported sales call analysis
Marketing

Marketing

Minimize wastage in your marketing budget: We help you deploy hyper-personalized campaigns and dramatically accelerate your content creation using AI.

Opportunities & Risks

Marketing

Risks

  • -Violation of brand guidelines (Brand Safety)
  • -Data protection and compliance violations
  • -Quality and authenticity of generated content
  • -Dependence on AI algorithms

Opportunities

  • ✓Automated content generation
  • ✓Real-time personalization (Segments of One)
  • ✓Predictive analytics for budget allocation
  • ✓Scaling of creative processes
HR & Personnel

HR & Personnel

Relieve your HR department of administrative burdens. We guide you in building AI-supported workflows for faster, more accurate recruiting.

Opportunities & Risks

HR & Personnel

Risks

  • -Bias and discrimination in AI processes
  • -Data protection for sensitive personnel data
  • -Lack of human intuition in recruiting
  • -Resistance to performance tracking

Opportunities

  • ✓Automation of routine administrative tasks
  • ✓AI-supported matching of candidate profiles
  • ✓Prediction of fluctuation rates
  • ✓Personalized training programs
Customer Service & Support

Customer Service & Support

Provide premium 24/7 support without increasing headcount: We assist you in implementing smart, empathetic conversational AI assistants.

Opportunities & Risks

Customer Service & Support

Risks

  • -Frustration due to inaccurate chatbot answers
  • -Loss of human empathy
  • -Challenges with complex inquiries
  • -Data protection in customer communication

Opportunities

  • ✓Intelligent ticket categorization
  • ✓24/7 support via conversational AI
  • ✓Automated answering of standard questions
  • ✓Sentiment analysis to detect customer mood
Finance & Controlling

Finance & Controlling

Optimize your liquidity and cash flow forecasting. We support you in eliminating manual data entry and establishing precise real-time financial reporting.

Opportunities & Risks

Finance & Controlling

Risks

  • -Security vulnerabilities in automation
  • -Wrong decisions due to false assumptions
  • -Transparency of AI decisions (Black Box)
  • -Regulatory compliance requirements

Opportunities

  • ✓Automated invoice processing
  • ✓Precise cash flow and revenue forecasts
  • ✓Intelligent anomaly and fraud detection
  • ✓Real-time dashboards and automated reports
Sales & Distribution

Sales & Distribution

Boost your conversion rates in sales: We show you how to leverage intelligent lead scoring and deeper customer insights to unlock hidden revenue potential.

Opportunities & Risks

Sales & Distribution

Risks

  • -Complex system and CRM integrations
  • -Poor data quality for forecasting
  • -Acceptance among sales staff
  • -Impersonal customer approach at scale

Opportunities

  • ✓Automated lead scoring models
  • ✓Predictive sales and precise revenue forecasts
  • ✓Personalized sales pitches in real time
  • ✓AI-supported sales call analysis
Marketing

Marketing

Minimize wastage in your marketing budget: We help you deploy hyper-personalized campaigns and dramatically accelerate your content creation using AI.

Opportunities & Risks

Marketing

Risks

  • -Violation of brand guidelines (Brand Safety)
  • -Data protection and compliance violations
  • -Quality and authenticity of generated content
  • -Dependence on AI algorithms

Opportunities

  • ✓Automated content generation
  • ✓Real-time personalization (Segments of One)
  • ✓Predictive analytics for budget allocation
  • ✓Scaling of creative processes
HR & Personnel

HR & Personnel

Relieve your HR department of administrative burdens. We guide you in building AI-supported workflows for faster, more accurate recruiting.

Opportunities & Risks

HR & Personnel

Risks

  • -Bias and discrimination in AI processes
  • -Data protection for sensitive personnel data
  • -Lack of human intuition in recruiting
  • -Resistance to performance tracking

Opportunities

  • ✓Automation of routine administrative tasks
  • ✓AI-supported matching of candidate profiles
  • ✓Prediction of fluctuation rates
  • ✓Personalized training programs
Customer Service & Support

Customer Service & Support

Provide premium 24/7 support without increasing headcount: We assist you in implementing smart, empathetic conversational AI assistants.

Opportunities & Risks

Customer Service & Support

Risks

  • -Frustration due to inaccurate chatbot answers
  • -Loss of human empathy
  • -Challenges with complex inquiries
  • -Data protection in customer communication

Opportunities

  • ✓Intelligent ticket categorization
  • ✓24/7 support via conversational AI
  • ✓Automated answering of standard questions
  • ✓Sentiment analysis to detect customer mood
Finance & Controlling

Finance & Controlling

Optimize your liquidity and cash flow forecasting. We support you in eliminating manual data entry and establishing precise real-time financial reporting.

Opportunities & Risks

Finance & Controlling

Risks

  • -Security vulnerabilities in automation
  • -Wrong decisions due to false assumptions
  • -Transparency of AI decisions (Black Box)
  • -Regulatory compliance requirements

Opportunities

  • ✓Automated invoice processing
  • ✓Precise cash flow and revenue forecasts
  • ✓Intelligent anomaly and fraud detection
  • ✓Real-time dashboards and automated reports
Sales & Distribution

Sales & Distribution

Boost your conversion rates in sales: We show you how to leverage intelligent lead scoring and deeper customer insights to unlock hidden revenue potential.

Opportunities & Risks

Sales & Distribution

Risks

  • -Complex system and CRM integrations
  • -Poor data quality for forecasting
  • -Acceptance among sales staff
  • -Impersonal customer approach at scale

Opportunities

  • ✓Automated lead scoring models
  • ✓Predictive sales and precise revenue forecasts
  • ✓Personalized sales pitches in real time
  • ✓AI-supported sales call analysis
Marketing

Marketing

Minimize wastage in your marketing budget: We help you deploy hyper-personalized campaigns and dramatically accelerate your content creation using AI.

Opportunities & Risks

Marketing

Risks

  • -Violation of brand guidelines (Brand Safety)
  • -Data protection and compliance violations
  • -Quality and authenticity of generated content
  • -Dependence on AI algorithms

Opportunities

  • ✓Automated content generation
  • ✓Real-time personalization (Segments of One)
  • ✓Predictive analytics for budget allocation
  • ✓Scaling of creative processes
HR & Personnel

HR & Personnel

Relieve your HR department of administrative burdens. We guide you in building AI-supported workflows for faster, more accurate recruiting.

Opportunities & Risks

HR & Personnel

Risks

  • -Bias and discrimination in AI processes
  • -Data protection for sensitive personnel data
  • -Lack of human intuition in recruiting
  • -Resistance to performance tracking

Opportunities

  • ✓Automation of routine administrative tasks
  • ✓AI-supported matching of candidate profiles
  • ✓Prediction of fluctuation rates
  • ✓Personalized training programs
Customer Service & Support

Customer Service & Support

Provide premium 24/7 support without increasing headcount: We assist you in implementing smart, empathetic conversational AI assistants.

Opportunities & Risks

Customer Service & Support

Risks

  • -Frustration due to inaccurate chatbot answers
  • -Loss of human empathy
  • -Challenges with complex inquiries
  • -Data protection in customer communication

Opportunities

  • ✓Intelligent ticket categorization
  • ✓24/7 support via conversational AI
  • ✓Automated answering of standard questions
  • ✓Sentiment analysis to detect customer mood
Finance & Controlling

Finance & Controlling

Optimize your liquidity and cash flow forecasting. We support you in eliminating manual data entry and establishing precise real-time financial reporting.

Opportunities & Risks

Finance & Controlling

Risks

  • -Security vulnerabilities in automation
  • -Wrong decisions due to false assumptions
  • -Transparency of AI decisions (Black Box)
  • -Regulatory compliance requirements

Opportunities

  • ✓Automated invoice processing
  • ✓Precise cash flow and revenue forecasts
  • ✓Intelligent anomaly and fraud detection
  • ✓Real-time dashboards and automated reports

Initial consultation 100% free

Start your personal AI journey with us

Book your free initial consultation now and let's find out together how you can make your processes more efficient with AI.

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AI for Insurance