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Insurance
Health underwriting automation with GenAI
Client · Top-5 French collective health insurer
Deployment of a generative AI solution to automate the processing of complex underwriting files, reducing handling time from 12 days to 36 hours.
01
Challenge
- Growing volume of collective health underwriting files (>40,000/year) with heterogeneous documentation.
- Manual processing by underwriters, highly dependent on individual expertise, with delays perceived as non-competitive.
- Difficulty ensuring pricing consistency between underwriters and across regions.
- Strong regulatory sensitivity (Solvency II, GDPR, medical secrecy).
02
Solution
- Document extraction pipeline combining advanced OCR (Document AI) and fine-tuned LLMs to structure file content.
- Orchestrated GenAI agent (LangGraph) checking completeness, cross-referencing data and proposing a pricing recommendation.
- Business guardrails: systematic human validation for files above €500K annual premium, full traceability of every AI decision.
- Underwriter UI integrated into Salesforce, with on-demand AI 'second opinion'.
03
Business impact
- Average processing time: 12 days → 36 hours (−87%).
- 70% of standard files handled in straight-through processing, no human intervention.
- +22% quote-to-contract conversion thanks to faster turnaround.
- ROI achieved in 11 months; rollout underway on personal protection and corporate P&C.
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