Accelerate What’s Next in Insurance With
Claims Lab
Your proving ground for next-gen claims.
Fully secure. Fully compliant. Zero production risk.
"We want to innovate, but can’t afford
to break what’s already working"
Tier 1 US Insurer
THE CHALLENGE
Claims Innovation is
High-Stakes
Claims leaders are under pressure to modernise. But testing new ideas is slow, expensive, and risky – especially with legacy systems and strict compliance requirements.
- $25B annual global cost of insurance fraud in P&C alone
- $170B in insurance premiums at risk due to poor experiences
- Rising loss ratios and combined ratios amid claim complexity
- Legacy tech is slowing down claims automation and AI adoption
- Difficulity proving value from innovation pilots and experiments
THE SOLUTION
Introducing Claims Lab.
Build, Test and Validate in a Lab - Without The Risk
NayaOne’s Claims Lab gives you a safe, pre-configured environment to simulate real-world claims scenarios and rapidly test new technologies.
No production impact. No compliance headaches. No long cycles.
Launch faster with
shorter time-to-value
Launch faster with
shorter time-to-value
Cut PoC costs by
$100K per vendor
Cut PoC costs by
$100K per vendor
Improve CX, product performance, and efficiency
Improve CX, product performance, and efficiency
Fast-track AI
and digital adoption
Fast-track AI
and digital adoption
De-risk
vendor decisions
De-risk
vendor decisions
Test more vendors
with less overhead
Test more vendors
with less overhead
How The Claim Lab Works
Simulated
Claims Journeys
Run full test flows with synthetic data and mock APIs.
Vendor
Evaluation Box
Access pre-integrated insurtechs for rapid comparison.
Compliance-Friendly Synthetic Data
No real data, no risk — fully isolated test environment.
Built-In
Evaluation Analytics
Track performance, share results, and iterate quickly.
See It In Action
A Tier 1 insurer, through its Claims Transformation and Digital Claims Operations unit, faced mounting pressure to modernise its First Notice of Loss (FNOL) process. The existing approach was heavily reliant on manual data entry and overwhelmed by high call volumes, resulting in inefficient triage and delays in claim resolution.
These inefficiencies not only drove up Loss Adjustment Expenses (LAE) but also had a direct impact on customer satisfaction, highlighting the urgent need for a more streamlined, digital-first solution.
- 3-Week vendor PoC vs 3-month cycle
- Zero production access required
- Full compliance alignment from day one
Claims Use Case Library
HORIZON 1
First Notice of Loss
An insurer aimed to enhance the First Notice of Loss process by reducing manual effort and accelerating response times. The team tested how LLMs could extract key details from customer-submitted reports, generate summaries, and route claims more efficiently — all while maintaining compliance and improving the initial customer experience.
Outcome: Reduced claim intake time and improved accuracy of initial assessments, leading to faster resolutions and better customer experience.
HORIZON 1
GenAI Powered Claims Chatbot
To ease pressure on call centres and offer 24/7 support, an insurer tested GenAI-powered chatbots to handle common claims queries. The solution focused on answering policyholder questions, capturing claim details, and escalating complex cases — all while aligning with regulatory and data privacy standards.
Outcome: Enabled always-on support and reduced call volumes, while improving consistency and speed of customer interactions.
HORIZON 2
AI-Enabled Claims Investigation
Faced with increasing volumes of complex and time-sensitive claims, a leading insurer explored how GenAI could enhance investigation workflows by analysing large, diverse sets of documents, surfacing subtle anomalies, & identifying potential fraud indicators. The goal was to accelerate decision-making while ensuring regulatory compliance and analytical accuracy.
Outcome: Accelerated claims investigations and improved fraud detection through faster analysis and enhanced insights.
HORIZON 2
Multi-Channel Intake
An insurer explored GenAI to unify claims intake across email, chat, voice, and web. The goal was to interpret unstructured inputs, extract key details, and automate claims creation. This reduced manual effort, improved accuracy, and delivered a more seamless, consistent experience across all customer touchpoints.
Outcome: Streamlined intake across channels, enabling faster claims registration and a more seamless customer experience.
HORIZON 3
AI Negotiation
An insurer tested GenAI to support claims handlers in negotiation scenarios by summarising case details, suggesting settlement ranges, and drafting response language. The aim was to improve efficiency, consistency, and outcomes in settlement discussions while ensuring alignment with regulatory guidelines.
Outcome: Shortened settlement cycles and improved negotiation consistency.
HORIZON 3
Digital Twins Simulation
An insurer explored the future potential of GenAI-powered digital twins to simulate complex claim scenarios in real time. By modelling customer profiles, policy terms, & environmental factors, the team aimed to predict claim outcomes and guide strategic decision-making. This forward-looking approach supports more proactive, data-driven claims strategies.
Outcome: Unlocked predictive insights for proactive claims management.
Lab Highlights
Digital Sandbox
Air-Gapped and Cloud Agnostic
Test new technologies in a secure, isolated and flexible environment – no core integration needed. Built for speed, control, and real-world experimentation.
Onboarding & Evaluation Tools
KPIs, Milestones, Reporting
Streamline PoC setup and tracking with built-in tools for goal-setting, performance metrics, and vendor reporting
Synthetic Data
2.5+ Billion Data Points
Access rich, realistic data at scale to validate solutions safely. No compliance headaches, no waiting on production data.
Professional Services
PoC Setup Expertise
Tap into expert guidance from our team. From vendor selection to value chain mapping, we’re here to help.
Tech Marketplace
400+ Vetted Vendors
Explore and evaluate a wide range of pre-integrated vendors. You can also bring your own vendor/s for testing.
> 200 Experiments
Delivered to Date
Proven at scale. Hundreds of successful PoCs run by top-tier banks and financial institutions.
Get Started With Smarter Claims Innovation
FAQs
Claims Lab enables insurers to test and validate cutting-edge claims technologies in a secure, production-like environment – reducing time-to-value from months to weeks. With NayaOne, you can benchmark tools for triage automation, loss estimation, repair routing, and customer comms before making a purchase decision.
Claims Lab supports the entire end-to-end claims lifecycle, enabling insurers to test and validate technologies across:
- FNOL, Initial Triage & Routing – tools for digital intake, chatbots, and AI-driven triage
- Fraud Detection – image forensics, behavioral analytics, and anomaly detection
- Investigation & Documentation Collection – mobile uploads, guided interviews, document parsing
- Assessment, Liability & Causation – AI-powered damage estimation and liability decisioning
- Decision, Communication & Dispute Resolution – automated decision engines and comms tools
- Settlement, Subrogation & Payment – smart payouts, recovery tools, and claims orchestration
- File Closure, Audit & Compliance – automated closure triggers, checklists, audit support
- Management Information (MI) & Analytics – dashboards and KPIs to track performance and SLAs
With NayaOne, insurers can evaluate solutions for each stage in a safe, scalable environment—reducing time-to-value and accelerating claims innovation
Insurers can test vendor tools within a cloud-based claims sandbox environment that simulates live workflows. Whether you’re using Guidewire, Duck Creek, or a custom stack, Claims Lab enables API-based testing to see how each tool fits into your FNOL intake, triage, adjuster process, or payout system – before any IT commitment.
All testing occurs in a secure, auditable sandbox where no live customer data is used. NayaOne ensures all vendors meet enterprise-grade compliance standards and provides full audit trails of test activity, model decisions, and outputs.
By using NayaOne’s environment, insurers isolate vendor tests from production. There’s zero risk to live data, systems, or customers. Risk and procurement teams also benefit from centralised oversight, enabling governance across all innovation efforts in Claims Lab.
