ARC Europe cuts claims processing time 83% with a GPT-based AI agent on Azure

Overview

ARC Europe, a European roadside assistance and insurance provider, worked with Netguru to build a proof-of-concept AI agent on Microsoft Azure that automates insurance claims analysis. The GPT-based agent compares incoming claims against case history and attachments, summarizes the ticket, and gives a human operator an initial recommendation before final sign-off. Built in about six weeks, the prototype cut claims assessment time from 30 minutes to 5 minutes, an 83% reduction, while maintaining built-in compliance checks.

The challenge

Traditional claims processing requires extensive manual reviews, slowing down resolution times and impacting customer satisfaction; different claims handlers may interpret claims differently, leading to inconsistencies and disputes, and the manual approach limits the company's ability to scale or handle high-demand peaks.

The solution

Netguru built a GPT-based AI agent PoC, running on Microsoft Azure, that receives a claim, compares it against case history and attachments using an LLM, summarizes the ticket and gives a human operator an initial recommendation, with the human operator making the final decision.

Reported business value

The prototype, built in about six weeks, reduces claim assessment from 30 to 5 minutes (about 83%), increases assessment accuracy, and ensures adherence to industry regulations with built-in compliance checks.