Handle claims.
With your own workforce.
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Zero Insurance · Claims intake · UNOY
ZI Claims Team ▾
COIA prepares the request and documents it in the case.
3
Lines of business live domestic and international in production
20 Min
instead of 8 h, from receipt at the insurer to the settlement result
Review file
Claim details and evidence brought together
Documentation
Processing status and related evidence for each case
Matching product
Workforce Basis. Do it yourself.
Zero Insurance handles claims for insurers and uses its own workforce in UNOY to do so. The team contributes expert rules and runs the operation. Workforce Basis is the starting point for comparable tasks within your own team.
In use
- Claims processing pipeline
- Data receipt from the insurer
- Assessment + settlement result
- Secure data transfer
- Prepared settlement recommendation
- 20 min instead of 8 h per matter
Collaboration & use
- Do it yourself · rules and operation at Zero
- Three lines of business in use
- 20 min instead of 8 h
- Secure data transfer
Who is Zero Insurance?
Zero Insurance
Zero Insurance is an insurtech for claims processing: it handles claims on behalf of insurers, from file handover to settlement result. Three lines of business are currently in production, domestic and international.
UNOY takes over details from claim reports and brings them together into a reviewable file. The Zero team handles open questions and expert decisions.
The business model depends on processing being fast, scalable and traceable. Zero therefore built the core process not as internal software, but as a workflow in UNOY.
The challenge
What was difficult before.
Claim reports must be captured, missing documents requested and details transferred into the insurance system. These recurring steps take up the expert team's time.
Zero defines the processing rules for each line of business. UNOY captures details, requests missing documents and prepares the file for the insurer.
The challenge: the result must be professionally sound and traceable, with an audit trail and escalation in cases of uncertainty.
Voice
Why Zero relies on UNOY.
With UNOY we have taken claims processing to a new level. Routine runs rule-based, data arrives cleanly structured at the insurer.
Do it yourself
Zero Insurance handles
Own claims service · expert rules and ongoing processing at Zero
UNOY as work environment
Capture details · Process by expert rules · Document results
Insurer as client
Data in via secure data transfer · settlement result returned
Application
From intake to a prepared decision.
Take over information, bring together the required documents and hand results to the responsible party. The approved workflow defines which steps run automatically and which are reviewed.
Receipt
Receive data from the insurer.
01 · Receipt
The claim arrives at Zero from the insurer via email, secured API or encrypted data transfer. UNOY extracts structured data: date, location, type of loss, parties involved, matter reference number of the insurer.
Assessment
Claim checked against line-of-business rulebook.
02 · Assessment
UNOY checks against the line-of-business rulebook: completeness, insured event yes/no, loss amount, regulatory requirements. When clear-cut, the assessment runs through. When uncertain or disputed, the file goes to the claims handler with a rationale.
Processing rules
Clear-cut case: Assessment runs through · Borderline (incomplete, facts disputed): Escalation to claims handler with rationale · No match: Stop, query back to the insurer.
Handover
Settlement result to the insurer.
03 · Handover
Structured data is handed back to the insurer: settlement recommendation, complete file with all attachments, audit trail with every step. The insurer makes the final decision on the payout, on a fully prepared basis.
Learnings
Shared foundation, own professional rules.
Zero uses one shared workspace for several lines of business. Expert rules and responsibilities stay separate for each client.
UNOY prepares the settlement recommendation and documents the processing. The responsible party at the insurer decides on the payout.
Each line of business has its own rulebooks and completeness criteria. Each line of business gets its own workflow on a shared technical foundation.
Frequently asked
What you want to know.
Who decides on the payout?
The insurer makes the final decision on the payout. UNOY prepares the settlement recommendation and the related documents.
How secure is policyholder data?
Data processing follows the agreed terms. The providers, storage locations and transfers involved are documented for each deployment.
Which lines of business are in production?
Three lines of business in production, domestic and international. We discuss specific lines individually; for competitive reasons we do not publish details here.
Can the system be transferred to other insurers?
Yes. The workflow structure per line of business is transferable to other insurers. Requirement: API-capable insurance systems and a dedicated rulebook per line of business.
Who is liable for a processing error?
Responsibility follows the agreed roles between Zero Insurance and its clients. UNOY provides the work environment.
What happens if UNOY ceases operations?
The agreed scope of services defines which workflows, rulebooks and audit logs are provided or exported when the contract ends.
Technical foundation
What runs under the hood.
OCR + Document AI
Claims structured and extracted from email, PDF, images
Line-of-business rulebooks
Dedicated rulebook per line of business, calibrated by insurance experts
Insurance system API connection
Direct write access to the internal insurance backend for file creation
Escalation logic
On uncertainty/incompleteness, rule-based handover to claims handler with rationale
Audit trail + versioning
Every workflow run documented, every data step traceable
Multiple lines of business
Multiple lines of business in parallel, own rules, shared technical foundation
Legacy system integration
Email · secured API · secure data transfers from the insurer · insurance backend (API connection). Structured data exchange in both directions.
Data residency & data protection
EU data centers in Frankfurt and Vienna · Data processing agreement on request · Sub-processor list documented · Claims data encrypted and stored separately per line of business.
AI governance
Matter inventory, risk assessment per workflow, approvals per matter and regular reviews.
Data processing and infrastructure
Hosting in Frankfurt and Vienna
Other customers
More customer cases.
FairPlane
Air passenger rights claims, handled for you. FairPlane looks after the customers, UNOY carries out the steps, Skribe takes on the legal tasks. 100,000+ cases per year.
GL Inkasso
Importing claim data in bulk and preparing letters. Set up together, used by GL itself.
WKO
UNOY Advisor: making WKO expertise available to members as digital advisors. 600,000 member businesses, 8 services implemented or in preparation.
Handle claims work within your own team.
Zero Insurance uses its own workforce for claims handling. For your start, we clarify the prepared capabilities and the additional expert rules and integrations needed. Your team handles the processing. Handing the work over to UNOY is agreed separately as Claim Workforce.