BRAZIL, LATIN AMERICA
ENABLING A 100% AUTOMATED END-TO-END CLAIM PROCESS THANKS TO AI
All of BNP Paribas Cardif’s partners in Brazil now benefit from a 100% automated end-to-end claim process. The AI-powered experience is available for claims related to unemployment, death, and warranty extension, covering all digital touchpoints. Thanks to the AI scoring system, customers get an instant decision after submitting only a limited number of documents. For example, concerning unemployment, over 50% of the claims are decided automatically without any human intervention.
CHILE, LATIN AMERICA
Reducing lead time to minutes for unemployment CPI customers
Shortening claims management time makes a tremendous difference for some partners, especially in Latin America where needs for unemployment protection remain high. BNP Paribas Cardif in Chile has successfully implemented automation solutions based on AI for two partners, adapting to the specific needs of their customers. With automation rates for their web channel of 39% and 24%, Scotiabank and Caja Los Andes enabled their customers to benefit from an impressive reduction of claims processing time: from 10 days and 7 days, respectively, to just 10 minutes!
FRANCE, EUROPE
Simplifying online claims journeys through the use of APIs
In order to simplify the customer journey in the event of sick leave, BNP Paribas Cardif has partnered with Caisse Nationale de l’Assurance Maladie (National Health Insurance Agency) to enable its policyholders to benefit from a simplified and even more secure claim process via the FranceConnect tool. Thanks to the deployment of a service for the automatic retrieval of daily allowance payment information by the health insurance agency, beneficiaries of a creditor insurance contract distributed through the BNP Paribas network and who have given their consent no longer need to send any supporting documents. This makes the handling and processing of claims more transparent, smoother and faster.
FRANCE, EUROPE
LEVERAGING ARTIFICIAL INTELLIGENCE TO IMPROVE THE CUSTOMER EXPERIENCE IN CASE OF BROKEN OR STOLEN ELECTRONIC DEVICES
With the new insurance offer for mobile devices set up by telecommunications operator Orange and BNP Paribas Cardif, policyholders can obtain a decision in a matter of seconds after making a claim. Using data provided by the customer, as well as from past behaviour, an algorithm based on AI models calculates a score and determines the acceptability of the claim. If the claim is not accepted or if policyholders prefer a non-automated process, BNP Paribas Cardif’s claims managers take control of the process, offering seamless integration with AI.