inca is Germany’s AI-native claims service provider for end-to-end claims processing – a modern alternative to traditional third-party administrators (TPAs) that combines Agentic AI with human expertise. Our solution automates claims processing through 250+ specialized AI agents, while experienced claims experts in Germany review complex cases and train the AI. The result: faster processing, higher-quality settlements, and customer-friendly processes.

The key point is this: inca isn’t just a co-pilot that makes suggestions to claims adjusters – the proprietary Agentic AI claims platform, with over 250 AI agents, reviews each case independently, while claims professionals with over 50 years of industry experience train and refine the platform. Insurers gain a true partner.

inca is currently available for six insurance lines: car liability and comprehensive coverage, personal liability, pet health and liability, home contents, electronics, and travel liability, trip interruption, and trip cancellation.

You can test inca with 1,000 claims and directly measure: claims settlement quality, turnaround time, and potential savings. For AI-driven loss ratio optimization, these can also include closed historical claims – without disrupting ongoing operations.

AI initiatives primarily fail due to technical integration hurdles in established insurance ecosystems. Complex interface development, limited IT resources, and unpredictable project costs prevent successful implementation. inca overcomes these hurdles as an external claims service provider – insurers use the results, not the infrastructure.

inca does not need to be deeply integrated into your existing systems. inca requires only a small amount of data about the claim and the customer for claims processing and enables flexible and fast collaboration through various integration options depending on the insurer’s infrastructure – e.g., via a service provider request (e.g., email), as a user on the user interface of your claims system, or via interfaces such as GDV or RNext – meaning that collaboration with us can be implemented without a single day of IT staff time.

Yes. inca meets the highest standards in data protection, IT security, and regulatory compliance. inca is GDPR-compliant and ISO/IEC 27001-certified. Furthermore, inca meets the requirements of the EU AI Act and the DORA Regulation and is designed to meet the high regulatory expectations of the insurance and financial sectors.inca is headquartered in Berlin. All developers and claims experts also work from there. This ensures the highest quality standards, clear responsibilities, and compliance with German and European data protection and security requirements. All data is processed and stored exclusively on servers within the EU.

inca offers greater control and auditability than purely human processing: every review, every result, and every decision-making process is fully documented. For each claim, a structured case report is generated that includes all findings and lines of reasoning – providing a solid foundation for customer communication or legal documentation requirements.