Engage Today, Embrace Tomorrow: What That Means for AI in Claims

In my conversations at Riskworld, one thing became clear: the AI conversation has shifted. It’s no longer just about what’s possible—it’s about what’s next. P&C insurers are moving beyond the idea stage and starting to ask the real, operational questions: How do we responsibly adopt AI in insurance claims? Where does it fit in our workflows? How do we ensure it delivers value without adding risk?

The pace of change is fast. AI is evolving rapidly, and staying on the sidelines isn't an option. To stay competitive, insurers need to engage now—experiment, pilot, integrate—so they’re ready to lead tomorrow.

At DigitalOwl, we’re focused on driving meaningful innovation to lead the next wave of change in the claims industry—not innovation for its own sake, but to create real, tangible solutions that transform how claims professionals interact with medical data. In this blog, I’ll share a preview of some of the exciting advancements we’re working on and how they’re designed to meet the evolving needs of today’s insurance professionals.

Enhanced Insights, Designed for Claims

Every claim is unique and demands a thoughtful, context-driven approach. Medical record summaries—while helpful—often fall short, leaving claims professionals to draw conclusions and connect the dots on their own. That’s why DigitalOwl has enhanced Case Notes specifically for the needs of today’s claims professionals.

Powered by the industry’s first AI Agents built for insurance-related medical record analysis, Case Notes goes beyond summarization. It acts as a digital detective—connecting scattered data points, applying business logic, and surfacing key insights, such as whether a condition is progressing or improving.

Initially built for life insurance, Case Notes has been enhanced to meet the specific needs of claims professionals—delivering context-rich insights into the claimant’s condition, recovery timelines, and medical history. It also features a detailed billing section with coverage breakdowns, provider visits, and evidence-supported assessments of pain and suffering.

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Streamlined Demand Package Analysis

Reviewing demand letters is a critical but time-consuming part of the claims process. While other solutions offer surface-level reviews, Case Notes goes further—analyzing the demand letter in context with the medical data to uncover inconsistencies, such as mismatches between reported pain and treatment adherence. This not only delivers a deeper, more accurate analysis but also saves valuable time on demand package review, helping claims professionals keep pace with plaintiff attorneys who are already leveraging AI to gain an edge.

Deep Research Capabilities

Recognizing that every claim requires a nuanced and investigative approach, DigitalOwl has introduced its new In-Depth Analysis ‘Chat’ feature. This advanced conversational AI tool enhances how claims professionals explore medical records—going beyond basic queries to deliver thorough, logic-based responses that include all pertinent information in the user’s preferred format.

In-Depth Analysis ‘Chat’ strengthens claim evaluations by:

• Supporting complex questions – Handles detailed, layered inquiries in a single interaction, increasing efficiency and depth of insight.
  
• Revealing cause-and-effect relationships – Provides a multi-faceted view of records to uncover key connections often missed in manual reviews.
  
• Improving accuracy through comparison – Enables side-by-side evaluation of detailed record data for more precise assessments.
  
• Standardizing insights – Delivers consistent, high-quality responses across teams, elevating organizational decision-making and collaboration.

Beyond individual case analysis, this tool helps foster richer collaboration across teams—including peers, legal experts, and medical professionals—driving stronger, more strategic claims outcomes.

Learn More

Want to learn how DigitalOwl’s latest product upgrades are streamlining medical data analysis and demand package creation? Join me Thursday, May 29 at 2 PM ET for a live launch event showcasing how these enhancements can help your claims team work faster and smarter.

Register here to secure your spot.