AI for insurance
Claims arrive as documents. AI turns them into decisions.
Claims handlers re-key data from reports, IDs and invoices, then triage, route and check for fraud by hand, which slows settlement and frustrates customers.
90% faster
Claims document intake
80% faster
Straight-through simple claims
23 days faster
Triage and routing
GBP 37.7m saved
Fraud detection
Insurance is one of the clearest cases for AI because so much of the work is reading documents and applying rules. The UAE already has a strong local example.
Use cases
Where AI returns
the most time and money.
Claims document intake
90% fasterAI reads claim forms, reports, IDs and invoices and fills the claim record, flagging anything missing.
ReportedTokio Marine Insurance UAE cut claims processing time by 90%, tripled daily volume and reduced exceptions by 60%. Gulf NewsStraight-through simple claims
80% fasterSpecialist AI agents check cover, evidence and fraud signals, then hand a recommended payout to a human for sign-off.
ReportedAllianz's Project Nemo cut processing and settlement time by 80% on small food-spoilage claims, reaching human sign-off in under five minutes (2025). AllianzTriage and routing
23 days fasterAI assesses each claim's complexity and routes it to the right handler from the first touch.
ReportedAviva reduced liability assessment on complex motor claims by 23 days, improved routing accuracy by 30% and cut complaints by 65%. EmerjFraud detection
GBP 37.7m savedModels flag suspicious claims and patterns for human investigators to review.
ReportedAllianz reported 10% more fraud detected in 2023 and GBP 37.7m in UK fraud savings in the first half of 2024. Emerj
UAE context
Rules that shape deployment
- The Central Bank of the UAE has issued a guidance note on responsible AI and machine learning for licensed financial institutions, covering governance, model inventories, Arabic and English disclosure, human oversight and vendor accountability. Pinsent Masons summary
- The UAE Personal Data Protection Law (Federal Decree-Law 45 of 2021) limits cross-border transfers of personal data and requires impact assessments for high-risk processing, which favours private and in-country AI deployments. UAE Government portal
How Thirty Days helps insurance teams
Forward-Deployed Engineers
Our engineers work inside your business, at your office, turning the roadmap into working AI.
Private Enterprise AI
A private assistant that answers from your documents and systems, and respects who can see what.
On-Prem Solutions
Models, data and logs stay in infrastructure you control, on your premises or in-region.
AI Training Programmes
Because we have mapped every role, every session is relevant to the task in front of them.
FAQ
AI in insurance
We design claims AI so that people keep the decision. AI prepares, checks and recommends, and a handler approves, which matches the human-oversight expectations in the CBUAE guidance.
Sources: Gulf News, Allianz, Emerj, Emerj, Pinsent Masons summary and UAE Government portal.
Further reading
29 September 2026 · 3 min read
What AI is actually delivering: evidence from twelve industries
Published results from organisations using AI in healthcare, insurance, banking, energy, logistics, real estate and more, with what each result does and does not prove.
Read article18 September 2026 · 3 min read
Private AI and UAE data rules: a practical guide for leadership
Why UAE organisations are moving to private and on-premise AI, what the PDPL and sector rules mean for deployment, and what to ask before you choose.
Read article
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