Allianz has published a detailed framework addressing the top questions surrounding its responsible use of artificial intelligence, asserting that “the AI race can only be won through trust.” The insurer uses AI to make insurance easier, faster, and more affordable while ensuring decisions remain accurate, transparent, explainable, and free from discrimination.
The framework rests on eight mandatory principles: prohibited AI, transparency, accountability and competence, security and resilience, non-discrimination, data protection, data governance, and human oversight. Allianz said it adopted these standards before the EU AI Act came into effect. The company explicitly bans AI for social scoring, employee emotion analysis, manipulation, and circumventing legal protections.
Practical applications include automated pet insurance claims processing in Germany, food spoilage claims handling in Australia using seven task-specific AI agents, and cybersecurity automation. A “Human in the Loop” principle ensures employees validate outputs and retain final decision-making authority, while a worldwide minimum standard governs compliance across all regions where the company operates.