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Stop claims fraud before it pays out, keep more of the renewal book, and move each claim file without re-keying, all inside your own walls. Predictive, generative, and agentic AI in one platform, in production at insurers including Progressive and IFFCO-Tokio.
“With H2O we are able to build many models in a much shorter period of time.”Pawan DivakarlaData and Analytics Business Leader, Progressive
Claims fraud, staged losses and premium leakage cost US insurers more than $40 billion a year outside health insurance, by FBI estimate. Rules-based screening only catches the schemes it already describes. Score every claim before it pays out, and send your SIU the ones that do not fit.
Use the H2O AI platform to put explainable models above your existing screening rules, built in H2O Driverless AI, our AutoML tool. The H2O AI Super Agent turns each flagged claim into a drafted case for your SIU. The models work beside the rules you already run, not instead of them.
Most carriers run one churn model, generate a list, and hand expensive incentives to policyholders who were never going to leave. Persistency and retention are the numbers that move the renewal book. Reach the policyholders who are actually at risk, with an offer that answers their reason for leaving.
Use the H2O AI platform to score lapse propensity and the driver behind it, then match each retention offer to the reason a policyholder would leave. Every score comes with its driver documented to file, so your actuaries, your agents and your regulator can all read the same explanation.
A first notice of loss arrives as forms, photos, reports and emails, and someone reads it, re-keys it and routes it. Claim cycle time and touches per file are the numbers your COO already reports. Set an agent on the intake, from the first notice to the adjuster's desk.
Use the H2O AI Super Agent to read each packet with H2O Document AI, check it against the policy's coverage, and triage it: simple claims to a fast track, complex ones to an adjuster with a drafted summary. It runs on top of Guidewire or Duck Creek, and your adjuster decides every claim.
Each part of the business has its own problems, data, and rules. Start with your department.
H2O gives P&C, commercial and life insurers one platform for three problems: claims fraud, policyholder retention and claims intake. Explainable models score claims and lapse risk with the driver documented to file, and the H2O AI Super Agent reads first notice of loss packets and moves each file between systems. Your adjusters and underwriters make every decision.
