Collaboration between InsurTechs and Insurers – From User Access to API Integration

Many AI initiatives fail due to integration challenges within insurance companies.

API integrations or other data interfaces are often only partially possible in legacy systems.

The insurance industry in digital transformation

The insurance sector is in the midst of digital transformation. InsurTechs bring innovative ideas and new technologies, while insurers provide customer data and established structures. It sounds like the perfect match – but in practice, many collaborations fail right from the start. The reason rarely lies in the idea itself, but in the integration with complex insurance systems. Cumbersome interface projects, overloaded IT departments, and high initial costs slow things down precisely where speed is crucial. The result: Many promising concepts never make it into live operation..

When integration becomes the innovation killer

Legacy insurance systems are often intricate and rigid. Connecting modern AI tools to these environments can be slow, expensive, and resource-intensive.

The consequences are clear:

• Rolling out innovative AI solutions takes months or even years

• Project costs soar before any real progress is made

• IT departments lack the capacity to support operational deployment

In short, innovation stalls not because of lack of vision, but because of technical friction.

inca's approach: start fast, scale smart

As an AI-powered claims service provider, inca follows a pragmatic integration strategy — adapting to each insurer’s technological landscape rather than forcing a one-size-fits-all solution.

There are four flexible ways to connect:

• User Access – inca’s AI and human specialists work directly within the insurer’s existing claims system. This means that within just one week, real claims can be processed productively — no new system setup required. Results appear seamlessly in the insurer’s usual interface, so adjusters continue working in their familiar environment. The result is pilot projects launch quickly and deliver measurable outcomes from day one.

• Automated export (e.g. via SFTP) – After a one-time setup of a secure data exchange, the process runs fully automatically and in compliance with data protection laws. Data is transmitted securely and extracted in the background - with zero manual effort once configured.

• Leveraging existing APIs – By connecting to established industry standards like GDV or BiPRO, inca makes full use of insurers’ existing IT investments. This ensures maximum efficiency with minimal implementation time.

• Custom integrations for complex landscapes – For insurers with diverse systems, inca’s integration experts develop tailor-made interfaces in close collaboration with internal IT teams — ensuring flexibility and accuracy even for special requirements.

Value creation for insurers

inca's adaptive integration model creates tangible benefits:

• Quick collaboration without IT bottlenecks – No llengthy implementation cycles. Insurers can go live within a week — even with limited IT capacity or during system migrations.

• Immediate proof of value for the insurer – Instead of waiting months for results, insurers can see the benefits of AI-supported claims handling within days. Early wins build trust and accelerate internal buy-in.

• Transparent results within the insuer's own system – All claims processed by inca appear seamlessly as final results within the insurer’s familiar claims system. no additional tools or interfaces required.

  
  

Collaboration as the key in the future

The future of the insurance industry lies in successful cooperation between established insurers and InsurTechs with innovative AI initiatives. Insurers contribute decades of experience, customer data, and proven processes, while InsurTechs bring fresh perspectives, advanced technology, and agile development approaches. This symbiosis becomes more valuable the smoother the integration runs. Flexible integration models that align with insurers’ realities will be the decisive success factor for future-proof partnerships driving the industry’s transformation.

Conclusion: Integration is no longer a barrier

Adaptive integration models form the foundation for quickly and securely embedding AI initiatives into existing insurance systems. This new flexibility opens up unprecedented possibilities: insurers can test innovative technologies rapidly and with minimal risk, while InsurTechs can deploy their solutions productively without months of lead time.

Test inca's AI-powered claims management

Frequently asked Questions

How does inca integrate with existing systems

inca does not require deep integration into legacy systems. It only needs limited claim and customer data, which it can extract via existing interfaces or simple system access. inca adapts to insurers’ setups, avoiding heavy IT workloads.

How does inca enable a quick project start?

inca supports flexible collaboration through multiple integration options, depending on each insurer’s infrastructure. User interface access, secure data transfer, and existing API connections create customized pathways.

Why do many AI initiatives in insurance fail?

AI initiatives often fail due to technical integration barriers within established IT environments. Complex interface development, limited IT resources, and unpredictable project costs prevent successful implementation.

Is inca data protection compliant?

Yes. inca meets all GDPR requirements and recognized IT security certifications (ISO 27001).

What is inca, and what makes your platform unique?

inca is an end-to-end claims handling platform that combines agentive AI with human expertise. Our solution automates routine tasks using over 250 specialized AI agents, while experienced claims professionals in Germany handle complex cases. The result: faster, more accurate, and fully GDPR-compliant processes.

Why is inca more than just the next AI tool?

inca operates as an AI-native end-to-end claims service provider with two core components:

A proprietary AI claims platform with 250+ AI agents, complemented by seasoned claims experts with over 20 years of industry experience. Insurers gain a true partner that takes responsibility for results while maximizing the power of agentive AI technology.