use cases

Digital Claim

Objectives

  • Improve the management and communication with our customers
  • Increase customer satisfaction throughout the lifecycle of the claim
  • Gradually digitalize communications and reduce the number of customer interactions and inquiries

In short, provide much more detailed & transparent communication regarding the claim handling process.

Progress status

Completed / Deployed

Rolled out in 2019

Work team

  • Developed in-house
  • Project Management: Involved departments: Claims area

Work carried out to date

The project has been completed, and is now accessible from the insurance section of the banking app for the vast majority of auto, home, and business claims. There are a few specific claim scenarios that are not included in this category, but they are very limited.

This is the information that our customers can see about their claim through Online Banking:

  • Key details of their dossier: the main participants (claims handler and professionals), a useful guide for each type of claim explaining the most common steps and frequently asked questions, and the advantages of repairing with our trusted professionals.
  • Information about Repairers/Experts: the professionals’ commitments, scheduled appointments, intervention calendar, incidents, delays, and we will even inform them when the work is completed.
  • Dossier management: once the claim is closed, we will send the customer the invoices and payments generated during the claim process. They can also consult the expert report.
  • Claim timeline: customers can view a timeline showing all the steps and phases the claim has gone through.

For key moments, we send PUSH notifications to our customers through the alerts service, and if they do not have it enabled, they will receive the information via SMS.

 

 

First Results & Lessons learnt

  • Many customers do not access the insurance section of their online banking, which is why we continue making improvements and adding new features to enhance it and make it more attractive for them

Difficulties encountered & Remainng Challenges

  • To reduce customer communications and make the process smoother, one of the most important missing features is the ability to request documentation through this channel and allow customers to upload it directly.
  • We will be working on this during the year, so that customers can use the application to upload information related to their claim