Allianz has registered more than 900 artificial intelligence use cases across the group as it scales the technology to make insurance simpler, faster, and more personalized. The insurer said it is placing trust, safety, and human responsibility at the center of its AI strategy, treating efficiency as an outcome of trust-based AI rather than the primary objective.
The company has codified eight mandatory principles for responsible AI, covering areas from transparency and non-discrimination to data governance and human oversight. Philipp Raether, Allianz’s Chief Privacy & AI Trust Officer, noted the company “established principles for responsible AI years before the EU AI Act mandated them.” A Group Data and AI Trust Advisory Board guides implementation, and every AI use case undergoes standardized management from ideation through decommissioning with continuous risk assessment.
Allianz highlighted concrete results from its AI deployment. Its pet insurance operation in Germany achieved 49.7% fully automated claims processing in 2025, with payouts arriving within hours for straightforward cases. In Australia, agent-based automation for food spoilage claims reduced processing time from approximately seven days to under one day for claims under AUD 500. The company explicitly prohibits social scoring systems, emotion recognition for employee assessment, manipulative AI, and systems designed to circumvent legal safeguards.