Otera autonomous claims and invoice agents (Allianz Partners)
by Allianz Partners
Market unit: GB, DE, AT, CH, Global
Allianz Partners, which handles over 90 million cases a year in travel, health and automotive assistance, uses Otera's autonomous AI agents across claims and partner invoices. Claims agents review claims, check coverage against policy terms, assess liability, settle, draft customer responses and trigger payment, passing complex cases to human specialists; invoice agents ingest and validate invoices from about 16,500 service partners against contract terms. The first two use cases went live in the UK and DACH within about 2.5 months, followed by a global rollout. Vendor-reported results: average claim handling time down from 29 to 3.5 days and 70% of claims settled in under 12 hours.
No free views left this month
AI capability and maturity
AI capability level
Business context
- Value chain steps
- Claims managementFinance and controlling
- Insurance branches
- Supplementary health insuranceMotor vehicle insuranceSpecialty insurance
- Application scope
- Both
- Country or market unit
- GBDEATCHGlobal
Value and impact
- Added value category
- Cost reductionCustomer experience improvementEfficiency gain
- Estimated time savings
Average claim handling time down from 29 to 3.5 days (vendor-reported)
Technical details
- AI category
- Generative AINatural language processing
- Automation level
- 4/5
Compliance and governance
- EU AI Act risk category
- Minimal risk
- EU AI Act role
- Deployer
- Relevant policies
- EU Artificial Intelligence ActGeneral Data Protection Regulation
Metadata
- Development type
- Scaled application
- License model
- Software as a service
Community
Average rating
Comments
Log in to join the discussion.
No comments yet. Be the first to comment.
Related solutions
FraudOps is a UK-based fraud case management and investigation tool, backed by Toolagen Venture Studios, that ingests alerts from detection systems such as FRISS, triages referrals and manages the full case lifecycle with SLA tracking. Generative-AI agents assemble referrals, run intelligence and watchlist searches, and draft investigation notes and reports; the vendor states it does not build predictive models. The vendor's website says it is live with Zurich Insurance and quotes a Zurich Claims Fraud Operations Manager. No Zurich, trade-press or award confirmation was found and the Zurich unit is not named, so this is a vendor claim only.
Zurich Chile uses SmartClaims LISA, a generative-AI and no-code decisioning platform from Chilean insurtech LISA, to automate health-claims reimbursement end to end. Zurich Chile handles about 350,000 health claims a month; by end-August 2024, 33% of traditionally reimbursed claims (roughly 33,000 a month) were processed automatically and settlement fell from about 4.5 days to within a day (Zurich, October 2024). Zurich's 2026 Qorus Innovation in Insurance Awards submission reports 65% end-to-end automation, settlement in 10 minutes, 35% cost reduction and +30 NPS points. More than 1.2 million claims were processed in 2025. The project was recognised at the Zurich Innovation Championship 2025 for impact in Latin America; the collaboration began through ZIC 2022.
Admiral Seguros, the Spanish unit of the UK-based Admiral Group, uses Tractable's computer vision for straight-through motor claims. Customers photograph the vehicle damage via a web-app link; the AI assesses the damage and builds a repair estimate, so a claim can move from notification to settlement offer without an appraiser. Tractable reports 12,000 touchless claims in 2021, 90% of estimates processed without appraiser input, 96% accuracy compared with human appraisers and 98% of qualifying claims completed in under 15 minutes; 70-75% of customers who receive the link complete the claim.