{"id":65763,"date":"2026-06-18T08:49:14","date_gmt":"2026-06-18T08:49:14","guid":{"rendered":"https:\/\/www.elixirr.com\/en-gb\/?p=65763"},"modified":"2026-06-18T08:59:46","modified_gmt":"2026-06-18T08:59:46","slug":"the-claims-management-reckoning-why-incremental-change-is-no-longer-enough","status":"publish","type":"post","link":"https:\/\/www.elixirr.com\/en-gb\/the-claims-management-reckoning-why-incremental-change-is-no-longer-enough\/","title":{"rendered":"The claims management reckoning: Why incremental change is no longer enough"},"content":{"rendered":"\n
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Customer expectations in claims have never been higher\u00a0\u2013\u00a0and a new breed of specialist players is raising the bar further. Fintechs and claims-native operators are redefining what fast,\u00a0transparent\u00a0and\u00a0personalised\u00a0claims handling looks like, putting pressure on incumbents who are still running processes built for a different era.\u00a0As a result, a\u00a0patchwork of point solutions that have delivered modest efficiency gains, while the fundamental performance challenges\u00a0\u2013\u00a0rising loss ratios, bloated expense ratios and customers who feel like an afterthought\u00a0\u2013\u00a0remain stubbornly intact.<\/span>\u00a0<\/span><\/p>\n

The honest conclusion is that\u00a0optimising\u00a0a broken system leaves you with a broken system.<\/span>\u00a0<\/span><\/p>\n

We’ve been asking a harder question: what would genuine\u00a0claims transformation actually look like?\u00a0Not AI features bolted onto legacy workflows, not incremental\u00a0automation,\u00a0but\u00a0a\u00a0wholesale reimagining of how claims functions are structured, how decisions are made and how value is created\u00a0\u2013\u00a0for insurers and their customers alike.<\/span>\u00a0<\/span><\/p>\n

Introducing our latest thought piece:\u00a0Reimagining the future of claims management<\/em><\/h2>\n

This blueprint is built for insurers\u00a0who\u00a0recognise\u00a0the\u00a0importance\u00a0of moving\u00a0beyond the familiar but\u00a0limiting logic of point\u00a0solutions and\u00a0start thinking about claims transformation as an enterprise competitive moat.<\/span>\u00a0<\/span><\/p>\n

Inside, we lay out five systemic levers<\/span>\u00a0capable of driving step-change improvements across loss ratio, expense\u00a0ratio\u00a0and customer outcomes. Each comes with clear tactics and a direct line of sight to the metrics it moves. We pair this with a reimagined claims journey\u00a0\u2013\u00a0built on intelligent triage, purposeful\u00a0automation\u00a0and AI agents with defined human intervention triggers.<\/span>\u00a0<\/span><\/p>\n

The gap between insurers who make this transition and those who\u00a0don’t\u00a0is only going to widen. The harder question is what happens next: when competitors consistently deliver faster, smarter, more\u00a0personalised\u00a0claims experiences, what does that do to your ability to price effectively, build genuine\u00a0loyalty\u00a0and avoid becoming just another commodity in a crowded market?<\/span><\/p>\n <\/div>\n <\/div>\n<\/section>\n\n\n\n

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\n Explore the full blueprint<\/span>\n\n\n<\/g>\n<\/svg>\n<\/span><\/a> <\/div>\n <\/div> <\/div>\n\n <\/div>\n<\/section>\n\n\n\n
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\n <\/div> <\/div>\n\n <\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":142,"featured_media":65785,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[116],"tags":[475],"related_service":[367],"related_industry":[42,60],"class_list":["post-65763","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-business-operating-models"],"acf":[],"yoast_head":"\nThe\u00a0claims\u00a0management\u00a0reckoning: Why\u00a0incremental\u00a0change\u00a0is\u00a0no\u00a0longer\u00a0enough<\/title>\n<meta name=\"description\" content=\"Discover how insurers can move beyond incremental change and reimagine claims management to improve loss ratios, efficiency and customer outcomes.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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