Kosten der schlechten Qualität in der Triage
Definition
Ohne frühe Severity-Schätzung landen 60% mittelschwere Fälle im Standardprozess statt STP, verursacht Rework; hochkomplexe Fälle ohne Expert-Routing eskalieren.
Key Findings
- Financial Impact: 2-5% Schadensreserve Leakage (€100k+ pro 10.000 Fälle; basierend auf Industry-Thresholds $5k-$20k)
- Frequency: Kontinuierlich bei >30% Fehlroutings
- Root Cause: Mangelnde Daten bei FNOL; keine iterative Triage-Modelle (30/60/90 Tage)
Why This Matters
This pain point represents a significant opportunity for B2B solutions targeting Insurance Carriers.
Affected Stakeholders
Junior Adjuster, Claims Handler, Reinsurance Reporter
Deep Analysis (Premium)
Financial Impact
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Current Workarounds
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Methodology & Sources
Data collected via OSINT from regulatory filings, industry audits, and verified case studies.
Related Business Risks
Kapazitätsverlust durch manuelle Schadens-Triage
Betrug durch unzureichende Triage-Filterung
GoBD-Verstöße bei Schadens-Triage-Dokumentation
Betrugskosten durch unzureichende Erkennung
Fehlentscheidungen bei Rückstellungsanpassung
Prämieneinnahmen-Unterschätzung durch Auditfehler
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