Claims transformation – high tech, high touch

Claims insurance
  • Blog
  • 4 minute read
  • April 14, 2026

Insurance claims are at a breaking point. Rising costs, inflation, and fast‑changing customer expectations are putting unprecedented pressure on insurers. The winners will be those who master the balance between high‑tech efficiency and high‑touch empathy — delivering claims that are fast, fair, and deeply human.

Our whitepaper reveals how Belgian insurers can transform their operating model through four foundational pillars that define future‑ready claims organisations.

Coming soon

Why claims transformation matters now

Claims excellence is no longer a back‑office optimisation topic — it is the differentiator in a commoditised and highly competitive insurance market. Efficient claims enhance customer loyalty, improving underwriting through better data in a sector under increasing pressure. Transformation is no longer optional: it is the path to remain competitive, trusted, and resilient

Our services are oriented around 4 foundational pillars:

1. Process excellence

We assist you with the creation of a streamlined, data‑driven, and end‑to‑end claims process that reduces manual touchpoints, enables STP where meaningful, and frees experts to focus on complex cases to support efficiency, consistency, and faster cycle times. Concretely we can review and redesign your overall targeting operating model (TOM) and perform process assessment (e.g. based on Lean methodology).​

2. Digital workforce

Together with you, we review where AI and automation implementation can take over repetitive or data‑heavy tasks with humans overseeing judgment‑intensive decisions. This can include solution like agentic AI, fraud detection, and routing engines. ​

3. Human workforce

As a general trend, claims professionals are moving from being generalists to specialists: new roles will need to be created to service clients and meet their expectations. This means your workforce is becoming smaller, more expert, and more customer‑centric. We can assist you in this transition, defining new roles and learning pathways to ensure your workforce is future proof. ​

4. Ecosystems and partnerships

Future‑proof claims handling relies on seamless collaboration with brokers, external partners, data providers, repair networks, and ecosystem players. Integration unlocks faster resolution, higher transparency, and improved customer experience. We can help you to transform your ecosystem integration strategy into concrete partnerships. ​

Dirk Vangeneugden

Dirk Vangeneugden

Partner, PwC Belgium

Martijn Cuypers

Martijn Cuypers

Director, PwC Belgium

Arno Sempels

Arno Sempels

Senior Manager, PwC Belgium

Connect with PwC Belgium