Insurers & InsurTech

Insurance is complex.
Your customers still want immediate answers.

General Terms and Conditions, rate logic, contract documents, claims reports. octonomy fully understands the process, responds without errors, and completes transactions end-to-end.

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Challenges

What that means

If every insurance claim were handled just as it would be by
your most experienced claims adjuster.

>50%

Less support effort without compromising quality

hepster • InsurTech • Embedded Insurance

5x

Faster case resolution compared to the previous baseline

heppyClaimy • Pet Insurance • Production

96%

Accuracy of Responses Regarding General Insurance Conditions, Policies, and Contract Data

Tolly Group • Independently Validated

<20

Days until first productive use

Time-to-Value • all deployments

The problem

Knowledge Critical to Compliance.
No Room for Error.

In the insurance industry, a wrong answer is no small matter. It has direct financial and legal consequences. That is exactly why standard AI isn’t enough here.

01

Terms and Conditions are not FAQs

General insurance terms and conditions are legally precise, context-dependent, and product-specific. Providing a correct answer requires an understanding of the clauses, exclusions, and the status of the contract all at the same time.

02

Claims processing involves multiple steps

Each step requires system access, rule logic, and documentation. No chatbot can handle all of that on its own.

03

Growth and product diversity are putting a strain on support

Teams grow linearly, while volume grows exponentially. Every expansion increases the complexity of requests.

04

Traceability is mandatory

Every decision must be justifiable, both from a regulatory and internal perspective. AI-generated responses without a source citation are unacceptable in the insurance context.

How octonomy works

Understand. Respond. Act.

octonomy fully understands general terms and conditions, policies, and contract data, provides responses with verified source references, and completes processes end-to-end.

Understand

octonomy reads the General Insurance Conditions (AVB), rate logic, policy documents, and internal guidelines in their entirety. Clauses, exclusions, contractual links—everything remains in context; nothing is omitted.

Respond

Every answer is based on verified sources with direct references to the relevant clause in the General Insurance Conditions (AVB) or the relevant section of the contract. 96 percent accuracy, fully traceable. No hallucinations.

Act

octonomy creates claims, requests documents, checks the contract status in the policy system, and completes standard processes in full.

Use Cases

Where octonomy applies to insurers.

Customer Service

Automated Contract and Rate Information

Coverage, exclusions, policy terms. octonomy answers contract questions immediately, with direct reference to the General Insurance Conditions and the current policy status.

Claims Processing

End-to-End Claims Reporting and Initial Review

Create a claim, check coverage, request documents, and hand the case over to the claims adjuster with the full context. No manual entry required.

Contract Management

Master Data Changes and Contract Amendments

Address changes, premium adjustments, contract modifications. Recurring processes are completed fully automatically in the backend system.

Sales Support

Product Consulting and Proposal Qualification

Which plan is right for the customer’s situation? octonomy guides customers through product options, checks compatibility, and prepares the quote.

Partner-Support

Embedded Insurance: Support for Sales Partners

Merchants and platform partners receive immediate answers regarding rates, processes, and settlement. Scalable across the entire partner network.

Evidence from real-world practice

hepster – InsurTech for embedded insurance

hepster • InsurTech • Embedded Insurance

50%

Less support effort without compromising quality

  • Mobility, Electronics, Pets, Travel

  • Channels: Email, Chat, Contact Form

  • heppyClaimy: 600+ claims per week in production

Automate Without Losing Trust

hepster offers embedded insurance across numerous product categories and through various distribution partners. Traditional chatbots quickly reach their limits in this context because they lack system access and cannot complete multi-step processes.

octonomy operates as a multi-agent system. Today, heppyClaimy processes over 600 claims per week in production, resolving cases five times faster than before.

“With octonomy, we’re reducing the workload in customer support by 50 percent, without any loss of quality.”

Katja Fröhlich, Tech Leader IT&Digital Products, hepster

octonomy Integrations

Integration

octonomy is running
in your system environment.

CRM, ticketing system, policy system, billing. octonomy integrates with your existing infrastructure via APIs. No migration, no system change, no vendor lock-in.

Why octonomy

No AI without a source citation.

In the context of insurance, an answer without supporting evidence is not an answer. octonomy links every statement to its underlying source.

This makes answers not only correct, but also transparent and audit-proof.

octonomy 96%
96
Standard-KI (ChatGPT, Copilot) 50%
~50 100%

Validated by Tolly Group • Real customer data

Cite the source for each answer

General Terms and Conditions clause, rate section, contract line. Every statement is documented in a transparent manner.

Keine Halluzinationen in compliance-kritischen Fällen

If a piece of information is not available, octonomy makes that clear.

Multi-agent system for multi-stage processes

octonomy coordinates specialized agents across multiple steps and systems.

One-tenant-per-cluster architecture

Customer data is never shared with other clients.

Up and running in less than 20 days

No migration. No projects that take months. Integration via existing APIs.

Get Started Now

Show us your use case.

In 30 minutes, we’ll work together to analyze where octonomy can have the greatest impact in your service business. We’ll get specific—with no obligation.

FAQ

In a multi-agent system, specialized agents make well-informed preliminary decisions that are either implemented directly or seamlessly handed off to your team. In the process, information from multiple systems is systematically consolidated, reconciled, and prioritized based on relevance. In addition, the system automatically locates and evaluates the appropriate documents—whether they are terms and conditions, product brochures, guidelines, or internal instructions—ensuring that every decision is based on a solid foundation.

We use the powerful octonomy Large Language Model, embedded in an architecture that maintains context across multiple interactions, generates technically accurate and comprehensible answers, and can cite sources verbatim upon request.

Yes. Think of an Octo Worker as a virtual top agent that communicates seamlessly with your systems:

  • Integration with CRM (e.g., customer data, contracts, history)
  • Connection to ticketing systems (e.g., Zendesk, ServiceNow)
  • Access to ERP / billing / policy systems
  • Integration with telephony infrastructure (SIP/VoIP, call center software)
  • Use of data platforms (e.g., Snowflake) for analytics and reports

Communication takes place via standardized REST APIs or existing connectors. This makes the Octo Worker an intelligent layer on top of your existing IT—without disrupting your foundation.

The solution is designed to support multiple languages, making it ideal for international customer service teams. It scales flexibly from a few thousand to millions of interactions per month, reliably growing alongside your needs. At the same time, it meets the highest data protection standards: All data processing is conducted in compliance with the GDPR and European regulations, and the hosting options can be tailored precisely to your individual compliance requirements.