Allianz Partners cuts claims handling time from 29 days to 3.5 days with autonomous AI agents

Allianz Partners processes over 90 million cases per year across health, automotive, and travel insurance. A single claim could take 29 days to resolve end-to-end across dozens of disconnected systems. The operating model scaled linearly with volume—more cases required more people—with no leverage and no path to margin expansion.

Allianz Partners deployed Otera's Autonomous AI agents across two use cases: autonomous claims execution (reviewing claims, validating coverage, assessing liability, settling cases, generating customer responses, and triggering payment) and autonomous provider invoice management (ingesting and processing invoices from their 16,500-strong partner network). The rollout went live within a few months across UK and DACH markets before global expansion.

Average claims handling time dropped from 29 days to 3.5 days, with a substantial volume resolving in minutes. 70% of claims now settle in under 12 hours. Customer satisfaction scores improved sharply. The transformation targets €300M in incremental annual profit by 2027 against a revenue growth trajectory from €10B to €13B.

• Bypassing proof-of-concept cycles and treating autonomous AI as platform infrastructure from the start accelerates time-to-value significantly.
• Decision accuracy compounding across steps is critical: very high per-step accuracy is required for end-to-end autonomous systems to work in production.
• The organizational shift of trusting the system to make decisions end-to-end—without layering legacy logic on top—is as important as the technology itself.