Artificial Intelligence is Transforming Insurance: Faster Claims Processing and Better Services for Clients
Bratislava, April 15, 2026 – The insurance industry is undergoing a significant transformation. What clients until recently associated with paperwork, lengthy waiting times, and complex products is now being changed by artificial intelligence. At the Insurance Reimagined: AI & Behavioral Innovation conference, organized by Asseco Central Europe, experts presented concrete solutions that already today bring real benefits to insurance companies and their clients.
The greatest positive change may be felt by clients themselves in the near future. Thanks to AI, the time required to process claims is significantly reduced. What once took days or weeks can now be a matter of hours. Systems are able to automatically process documents, verify their accuracy, and prepare supporting materials for decision-making. The result is faster claim payouts and less stress for the client.
“Our goal is that the client does not have to wait weeks for a decision. Artificial intelligence today can significantly speed up the entire process while also increasing its accuracy,” says Rudolf Pazdernatý, Director of the Insurance Division at Asseco Central Europe.
A Game Instead of Questionnaires
An interesting development in the field of innovation is also a new approach to risk assessment, which opens up new possibilities for the future. Instead of traditional questionnaires, a client can go through a short mobile game that can identify risk patterns based on their behavior.
For the client, this could in the future mean a simpler, more natural process without unnecessary form-filling, as well as more fairly set insurance conditions.
“People often answer questions the way they think they should. Behavior, however, is a much more accurate indicator. That is why we work with the concept of a short game that allows us to understand the client in a more natural way,” explains Adam Bednář, founder of Noove.
Tailored Products
Artificial intelligence is also transforming the selection of insurance itself. Modern systems can recommend products and add-ons to clients that make the most sense for them. Clients therefore do not have to go through a large number of offers: they receive a solution tailored to their needs. Practical experience shows that such an approach leads to better understanding of products and higher customer satisfaction.
“Artificial intelligence helps us make better decisions at every step – from sales to working with the client. It is not just a technological change, but a fundamental shift in how an insurance company operates,” said Antal Kóka, Deputy CEO & CSO of CIG Pannónia Insurance Company.
Insurance companies that implement these solutions are able to grow faster, streamline processes, and at the same time deliver better services to clients. These experiences confirm that this is not a distant future, but solutions that are already working in practice today.
Better Customer Experience
Technologies are gradually changing the way insurance companies operate – and above all improving the experience of clients themselves. Less administration, faster services, and fairer conditions are becoming the new standard.
“The future of insurance will be built on data, artificial intelligence, and the ability to respond quickly to client needs. Those who are able to embrace this change will shape the direction of the entire market,” adds Jozef Klein, CEO of Asseco Central Europe and Asseco International.