--- title: Insurance Automation & Agentic AI Use Cases | Camunda description: See how insurers use Camunda to automate claims, underwriting, and policyholder onboarding across legacy systems, business rules, and agentic AI. image: https://page.camunda.com/hubfs/Insurance_HubTile_1200x627.png --- [Skip to Content](https://page.camunda.com/automation-in-insurance-examples-using-camunda#body) [Camunda](https://camunda.com/) - [English](https://page.camunda.com/automation-in-insurance-examples-using-camunda) - [Deutsch](https://page.camunda.com/de/automatisierung-in-der-versicherungsbranche-beispiele) - [Français](https://page.camunda.com/fr/cas-dusage-et-réussites-de-lautomatisation-dans-lassurance) # Insurance Automation Use Cases & Successes Orchestrate claims, underwriting, and onboarding across legacy systems, business rules, and agentic AI with control - [Agentic AI in insurance](https://page.camunda.com/automation-in-insurance-examples-using-camunda#agentic) - [Claims automation](https://page.camunda.com/automation-in-insurance-examples-using-camunda#claims) - [Onboarding and policyholder servicing](https://page.camunda.com/automation-in-insurance-examples-using-camunda#onboarding) - [Risk and underwriting automation](https://page.camunda.com/automation-in-insurance-examples-using-camunda#risk) - [Future-proof your platform](https://page.camunda.com/automation-in-insurance-examples-using-camunda#future) - [Resources](https://page.camunda.com/automation-in-insurance-examples-using-camunda#resources) - [FAQs](https://page.camunda.com/automation-in-insurance-examples-using-camunda#faqs) - [Schedule demo](https://page.camunda.com/automation-in-insurance-examples-using-camunda#demo) Insurance runs on complex, high-stakes processes that span core systems, specialist tools, human judgment, and now AI agents. Most tools force you to choose between flexibility or control. **Camunda gives you both.** Orchestrate end-to-end work from document ingestion and decisioning to payout across any system, any vendor, any technology. When agentic AI is ready for production, you'll already have the foundation in place to take advantage of disruption. ## Agentic AI and the new insurance operating model ### **Why leading carriers are redesigning operations, not just automating them** The easy wins of digitalization are behind us. What remains are the high-variant, operationally critical processes where each additional point of automation gets disproportionately harder to reach. Agentic AI changes the equation, but only if the operating model changes with it. These sessions show what it means to take a fundamentally different approach for running insurance operations. - ### [**HDI:** From Rule-Based Limits to Agent-Based Operations](https://vimeo.com/1194379252?share=copy&fl=sv&fe=ci) Learn how carriers can shift from classic automation to agentic orchestration. Watch now - ### [**BavariaDirekt:** Scaling Intelligent Process Innovation with Camunda](https://vimeo.com/1194056424?share=copy&fl=sv&fe=ci) BavariaDirekt shares how agentic orchestration leads to faster innovation. Watch now - ### [**Ernst & Young:** Automating Insurance Escalation Management with AI Agents](https://vimeo.com/1194379091?share=copy&fl=sv&fe=ci) See how AI agents triage complex cases and reduce claims cycle times. Watch now ## Claims automation and benefits servicing ### **Fewer exceptions, faster resolution, better experiences** Claims is where cost, trust, and regulation collide. And with things such as jumper claims, a simple oversight can have nuclear consequences. Camunda orchestrates the full claims journey across core systems, from intake to document processing, decisioning, human review, and payout. You get straight-through processing where it's safe, and human oversight where it's required, with every decision visible. - ### [**Department of Veterans Affairs:** Expediting Benefits Delivery from Months to Minutes](https://vimeo.com/757613897/52200e2c98?fl=pl&fe=sh) Within four months, the VA increased automation by 65%+ and reduced average claim processing time by 33%. Watch now - ### [**AXA:** From Legacy Application to a Modern Architecture With Camunda](https://vimeo.com/869957807?fl=pl&fe=sh) Improved automation rates by 50%+ using process orchestration. Watch now - ### [**Indiana Farm Bureau:** Extending Back-Office Success Directly to Consumers](https://vimeo.com/514193998?share=copy&fl=sv&fe=ci) Learn how orchestration helped reduce error rates below 1% to hit customer experience goals. Watch now > Camunda’s scalability addressed our company's growth as we extended into multiple states, ensuring we are well-equipped for future expansions. We’ve cut down 35% of the time in processing the claims and reduced 30% cost per claim since we went live with Camunda. Shashi Ayachitam IT Director, The Norfolk & Dedham Group® Insurance ## Onboarding and policyholder servicing ### Reducing friction to create loyal customers Customers often start insurance journeys online and expect speed, transparency, and personalization, yet fulfillment still breaks across fragmented channels and systems. Capturing the opportunity of agentic requires and end-to-end perspective from portal to policy systems. Camunda connects the end-to-end journey, so onboarding feels simple to the customer, while controls, handoffs, and auditability stay intact behind the scenes. - ### [**Covéa Insurance:** Expediting Benefits Delivery from Months to Minutes](https://vimeo.com/612702870?fl=pl&fe=sh) Learn how redesigning legacy systems, integrate siloed data, and improve customer satisfaction. Watch now - ### [**Danica:** From Legacy Application to a Modern Architecture](https://vimeo.com/1084588289?fl=pl&fe=sh) See how Danica stays competitive and achieves same-day business agreements with AI-powered processes using Camunda. Watch now - ### [**Cardinal Health:** How Process Orchestration Improves Patient Experience and Outcomes](https://vimeo.com/869955550?fl=pl&fe=sh) Learn how Cardinal Health uses orchestration to get specialty therapies to patients faster. Watch now > With the drive towards large-scale digitization of products and services accelerating, insurers should act now to remain competitive, conduct business more efficiently, and reduce costs. Christian Nicol Director of Platform Engineering and Operation, Generali Switzerland ## Risk and underwriting automation ### Better decisions, less rework, stronger governance Underwriting and risk are being rewritten by agentic AI, especially for document-heavy work and decision support. Carriers are moving beyond legacy workflows to automate document analysis, flag emerging risks, and improve speed-to-market and conversion. Camunda helps you rewire underwriting and risk processes to let you stay ahead of changing market dynamics. - ### [**Norfolk & Dedham Group® Insurance:** Modernizing insurance workflows to reduce costs by 33%](https://vimeo.com/1024049719?fl=pl&fe=sh) Learn how Norfolk cut cycle times using Camunda for claims, underwriting, and policyholder servicing. Watch now - ### [**Provinzial:** Scaling orchestration across risk, underwriting, and claims](https://vimeo.com/869942219?fl=pl&fe=sh) See how Provinzial uses a Camunda to orchestrate intelligent process for underwriting, risk, claims, and policy servicing. Watch now - ### [**First American:** Enabling greater agility, product innovation, and operational efficiency](https://vimeo.com/869952946?fl=pl&fe=sh) Learn how First American orchestrated 87,000+ orders per quarter and lets business teams own workflow changes. Watch now ## Future-proof your platform - ![handshake-onboarding\_white](https://page.camunda.com/hubfs/handshake-onboarding_white.svg) #### Innovate without disruption AI-first competitors and the agentic AI have fundamentally changed the insurance landscape. The stakes have never been higher to lead or be left behind. - ![training-presentation\_white](https://page.camunda.com/hubfs/training-presentation_white.svg) #### Scale without limitations As agentic commerce creates greater demand for technology, you need a foundation to handle peak volumes anywhere in the world–from humans to machine users. - ![Camunda-meetups\_white](https://page.camunda.com/hubfs/Camunda-meetups_white.svg) #### Adapt faster than the competition Technology and customer expectations are disrupting existing business models, requiring carriers to stay agile to stay ahead. ![transparency-reporting-badge-1](https://page.camunda.com/hubfs/transparency-reporting-badge-1.svg "transparency-reporting-badge-1") ## Security at Camunda We maintain the highest information security, privacy, and compliance standards. In our trust center, you can read about GDPR, SOC 2, ISO/IEC 27001, our privacy statements, and download assurance packages. [Visit Trust Center](https://trust.camunda.com/) ## Essential resources for insurers - ### [Innovate Without Disruption](https://page.camunda.com/wp-scaling-ai-in-the-insurance-industry?hsLang=en) Expand your customer bases, deliver differentiated experiences, and improve margins. Download guide - ### [State of Agentic Orchestration and Automation 2026](https://camunda.com/state-of-agentic-orchestration-and-automation/) Improve retention and reduce cost-to-serve with end-to-end orchestration. Download the report - ### [Modernizing Insurance Workflows](https://page.camunda.com/wp-modernizing-insurance-workflows?hsLang=en) Bring siloed processes and platforms together into a unified operating model. Get the guide ## Frequently Asked Questions What is agentic AI in insurance? Agentic AI in insurance refers to autonomous AI agents that can plan, decide, and execute end-to-end insurance processes, such as claims triage, underwriting, fraud detection, and subrogation, with minimal human intervention. In production, agents should not run unmanaged. You need orchestration, deterministic rules, and human checkpoints so decisions stay compliant, consistent, and explainable. What are the top use cases for agentic AI in insurance? The highest-value use cases are document- and exception-heavy work, such as claims intake and triage, evidence gathering and summarization, subrogation, underwriting evidence workflows, and policyholder onboarding and servicing. You get the greatest impact when multiple agents operate within an orchestrated end-to-end flow with clear rules, SLAs, and governance, rather than being an isolated assistant that helps with only a small portion of a process. Can we modernize insurance processes without replacing core systems? Yes, with the right foundation. You can modernize by adding an orchestration layer above your core processes. Orchestration coordinates work across legacy systems, specialist tools, partners, and teams, while keeping systems of record intact. Orchestration allows you the flexibility to change core processes faster without interrupting the rhythm of business. How does Camunda govern AI agents in regulated insurance environments? Camunda governs agents by orchestrating them within end-to-end processes. You define where agents can act, what inputs they can use, which thresholds require human approval, and what decisions must remain deterministic due to policy, regulation, or cost. Camunda can coordinate multiple specialized agents across an end to end process, while logging every action and decision. How do insurers ensure AI-driven decisions are auditable? Insurers can use agentic orchestration to ensure that every AI agent action or decision is fully captured including the chain of thought and reasoning. You can capture the full decision trail such as inputs used, rules applied, agent outputs, human approvals or overrides, timestamps, and the path taken through the workflow. With agentic orchestration, you standardize logging and evidence capture across systems and agents, so you can explain outcomes to regulators and customers. How can we reduce claim cycle time without increasing risk? You reduce cycle time by controlling flow and reducing manual effort bottlenecks. Orchestrate FNOL to payout with clear routing, SLAs, and exception paths, then use agents to speed up documentation collection, summarization, and evidence checks. Manage risk with deterministic decision rules, human authority on sensitive thresholds, and monitoring so complex claims escalate early, not late. ## Ready for the full insurance story? See the full picture across high-impact use cases, agentic opportunities, and how leading insurers deploy AI with guardrails. [See Camunda in action](https://page.camunda.com/demo-request?hsLang=en) [Camunda](https://camunda.com/) - Cookie Preferences - [Privacy Statement](https://camunda.com/legal/privacy/) - [Terms](https://camunda.com/legal/terms/) - [Impressum](https://camunda.com/legal/imprint/) - [Brand](https://camunda.com/brand/) Camunda © 2026 ```json { "@context" : "https://schema.org", "@id" : "https://page.camunda.com#website", "@type" : "Website", "name" : "Camunda Inc.", "potentialAction" : { "@type" : "SearchAction", "query-input" : "required name=search_term_string", "target" : { "@type" : "EntryPoint", "urlTemplate" : "https://page.camunda.com/?site-search={search_term_string}" } }, "publisher" : { "@id" : "https://page.camunda.com#organization" }, "url" : "https://page.camunda.com" } ``` ```json { "@context" : "https://schema.org", "@id" : "https://page.camunda.com/automation-in-insurance-examples-using-camunda#webpage", "@type" : "WebPage", "about" : { "@id" : "https://page.camunda.com#organization" }, "dateModified" : "2024-10-01T12:0000+0000", "datePublished" : "2023-09-22T09:2419+0000", "description" : "See how insurers use Camunda to automate claims, underwriting, and policyholder onboarding across legacy systems, business rules, and agentic AI.", "image" : { "@id" : "https://page.camunda.com/automation-in-insurance-examples-using-camunda#primaryimage", "@type" : "ImageObject", "caption" : "Insurance Resource Hub", "url" : "https://4513465.fs1.hubspotusercontent-na1.net/hubfs/4513465/Insurance_HubTile_1200x627.png" }, "inLanguage" : "en", "isPartOf" : { "@id" : "https://page.camunda.com#website" }, "name" : "Insurance Automation & Agentic AI Use Cases | Camunda", "url" : "https://page.camunda.com/automation-in-insurance-examples-using-camunda" } ``` ```json { "@context" : "https://schema.org", "@type" : "FAQPage", "mainEntity" : [ { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "

Agentic AI in insurance refers to autonomous AI agents that can plan, decide, and execute end-to-end insurance processes, such as claims triage, underwriting, fraud detection, and subrogation, with minimal human intervention. In production, agents should not run unmanaged. You need orchestration, deterministic rules, and human checkpoints so decisions stay compliant, consistent, and explainable.

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The highest-value use cases are document- and exception-heavy work, such as claims intake and triage, evidence gathering and summarization, subrogation, underwriting evidence workflows, and policyholder onboarding and servicing. You get the greatest impact when multiple agents operate within an orchestrated end-to-end flow with clear rules, SLAs, and governance, rather than being an isolated assistant that helps with only a small portion of a process.

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Yes, with the right foundation. You can modernize by adding an orchestration layer above your core processes. Orchestration coordinates work across legacy systems, specialist tools, partners, and teams, while keeping systems of record intact. Orchestration allows you the flexibility to change core processes faster without interrupting the rhythm of business.

" }, "name" : "Can we modernize insurance processes without replacing core systems?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "

Camunda governs agents by orchestrating them within end-to-end processes. You define where agents can act, what inputs they can use, which thresholds require human approval, and what decisions must remain deterministic due to policy, regulation, or cost. Camunda can coordinate multiple specialized agents across an end to end process, while logging every action and decision.

" }, "name" : "How does Camunda govern AI agents in regulated insurance environments?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "

Insurers can use agentic orchestration to ensure that every AI agent action or decision is fully captured including the chain of thought and reasoning. You can capture the full decision trail such as inputs used, rules applied, agent outputs, human approvals or overrides, timestamps, and the path taken through the workflow. With agentic orchestration, you standardize logging and evidence capture across systems and agents, so you can explain outcomes to regulators and customers.

" }, "name" : "How do insurers ensure AI-driven decisions are auditable?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "

You reduce cycle time by controlling flow and reducing manual effort bottlenecks. Orchestrate FNOL to payout with clear routing, SLAs, and exception paths, then use agents to speed up documentation collection, summarization, and evidence checks. Manage risk with deterministic decision rules, human authority on sensitive thresholds, and monitoring so complex claims escalate early, not late.

" }, "name" : "How can we reduce claim cycle time without increasing risk?" } ] } ```