AI claims automation: Tokio Marine UAE cuts wait times

Tokio Marine Insurance UAE has turned a stressful moment into a smoother one. Thanks to AI claims automation, the insurer now registers and routes claims far faster—cutting processing time by 90% and getting back to customers in hours instead of days. The initiative, delivered with Kodak Alaris and powered by Microsoft Document AI, doesn’t just speed things up; it restores calm when people need it most.

Why AI claims automation matters now

In the UAE, claim volumes can rise suddenly—especially after large-scale events. Following the 2024 floods, insurers faced an unprecedented spike. For Tokio Marine Insurance UAE, the surge confirmed what leaders already suspected: manual intake and data entry would not scale. Customers needed answers quickly, and teams needed tools that supported both speed and accuracy. Therefore, the company leaned into AI claims automation to protect service levels while reducing the human bottlenecks that caused delays.

From paper shuffle to data you can use

Until recently, hundreds of daily submissions—particularly motor claims—arrived via email with police reports, Emirates ID, driver’s licenses, and vehicle registration documents attached. Each file contained dozens of fields that staff had to key in manually. Consequently, small errors crept in, and queues built up. By contrast, the new approach utilizes Kodak Alaris’ Info Input platform in conjunction with Microsoft Document AI to identify document types, extract relevant fields, validate entries, and push clean data into core systems. As a result, exception handling has dropped by roughly 60%, while daily throughput has tripled.

Designed around real work, not a one-size-fits-all

Rather than force a generic template, Kodak Alaris began with discovery sessions focused on Tokio Marine Insurance UAE’s actual workload. The teams mapped document varieties, edge cases, and downstream system rules. Then they ran a targeted proof of concept to prove accuracy before scaling. Because the models learned from live materials, the rollout felt practical, not theoretical. Moreover, the platform’s validation steps were tuned to local documents, which reduced manual rework and strengthened audit trails.

Faster for customers, better for teams

Speed is only half the story. With AI claims automation handling repetitive capture, the claims team can focus on conversations that require judgment—calling a customer, clarifying an edge case, or fast-tracking complex scenarios. Staff move from typing to problem-solving, which improves both morale and outcomes. Meanwhile, customers get earlier updates, fewer follow-ups, and clearer timelines. In short, trust goes up because wait times go down.

Better data, smarter decisions

Automation also increases the depth of data captured per submission. Additional fields that were once skipped to save time now flow into the insurer’s systems automatically. Consequently, compliance evidence improves, forecasting becomes more grounded, and pricing models get richer inputs. Over time, that granular view helps identify trends, anticipate workloads, and tailor products to what UAE drivers need.

Built to scale under pressure

Crucially, the new workflow is resilient. When volumes spike—after storms, holidays, or peak travel—the platform scales with the load. Triage rules prioritize urgent cases, while validation catches mismatches before they create downstream issues. Therefore, leaders gain operational visibility, and teams gain breathing room. And because the system is modular, Tokio Marine Insurance UAE can extend automation to other lines without reinventing the stack.

Technology that amplifies empathy

Insurance is a promise delivered by people. The point of AI here isn’t to replace them; it’s to remove the drag so they can show up where judgment matters. With Kodak Alaris and Microsoft Document AI, Tokio Marine Insurance UAE has built a claims pathway that’s faster, clearer, and more human. Ultimately, that combination—operational excellence with empathy—is what turns a difficult day into a manageable one for every policyholder.

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