Axa XL says new technologies and innovation are at the core of transforming how insurers should look to handle and complete claims efficiently.  

An article from Axa XL Chief Claims and Distribution Officer, APAC & Europe Corinne Southarewsky and loss adjuster Naudet CEO Dominique Brossais outlines how they utilise the technologies within their firms’ practice to provide a visual language towards data that helps communicate with claimants.  

“It is often the case that the complexity of a problem, coupled with these cross-border cultural and linguistic challenges, can blur communication,” the authors write.  

“Technology, however, can provide us with some common ground – and a visual, universal ‘language’ that we can all understand.”  

The article highlights innovative techniques used by Axa XL, such as an analysis of satellite imagery for a fraud claim or geospatial imagery for marine claims, to help resolve catastrophic and more minor claims.  

It says new technologies “unlock the power of modern tools” in a timely and cost-effective manner to help produce a clear picture of a claim in the days after it has been lodged and the approaches to resolving it.   

“The use of innovation is enabling Axa XL to move to a more proactive approach to claims,” Ms Southarewsky said.  

“It means that for large-scale events and a number of complex claims, we are less reliant on waiting for information from our clients and brokers to start managing a claim. 

“Instead, when a natural catastrophe occurs for example, we can be on the front foot – enabling clients to take mitigation actions and supporting them shortly after when a loss takes place.”  

The article also notes that the “gathering pace” of innovation and new technologies may soon expand to the use of robots to explore and examine claims in areas deemed too risky for humans, allowing for a broad expansion of insurance coverage lines.    

“This is an exciting time for our claims function and our clients alike,” the authors write.   

“As we seek not only to pay claims but to enable our clients to operate as efficiently as possible in today’s evolving and uncertain risk context, innovative technology will serve to help us meet this goal.”