Typical forInsurersInsurance brokersPension fundsClaims handling services
AI on insurance claims. Your policyholders stay in the EU.
Read claims, spot missing documents and reply faster. GoalCube hides names, policy numbers, ID numbers and health details before the AI sees anything – and when the AI helps with a decision about a person, a member of staff decides.
- Claims handled fasterThe AI finds what's missing from the claim and writes to the customer.
- Health kept apartIllness and personal injury are sensitive. The AI only sees codes.
- Ready for high-riskPricing life and health insurance is high-risk. Decisions and logs are ready.
| Customer | Policy | ID no. | Claim |
|---|---|---|---|
| David Nolan | POL-882301 | 7392018M | Theft |
| Sandra Kavanagh | POL-882744 | 4518273H | Water |
| Simon Burke | POL-883012 | 8061934B | Workplace injury |
Claim description My bike was stolen from the bike store in our apartment block on Sunday night. I don't have the receipt any more. David Nolan, policy number POL-882301.
| Customer | Policy | ID no. | Claim |
|---|---|---|---|
| [PERSON_1] | [POLICE_1] | [ID_1] | Theft |
| [PERSON_2] | [POLICE_2] | [ID_2] | Water |
| [PERSON_3] | [POLICE_3] | [ID_3] | Workplace injury |
Claim description My bike was stolen from the bike store in our apartment block on Sunday night. I don't have the receipt any more. [PERSON_1], policy number [POLICE_1].
David Nolan is missing the receipt for the bike; write and ask for it. Sandra Kavanagh's water damage is documented with photos and can be processed. Simon Burke's workplace injury claim needs a medical certificate – pass it to a claims handler.
[PERSON_1] is missing the receipt for the bike; write and ask for it. [PERSON_2]'s water damage is documented with photos and can be processed. [PERSON_3]'s workplace injury claim needs a medical certificate – pass it to a claims handler.
Fictitious data. Point at a name or a pseudonym to see what belongs together.
What can you use AI for?
Choose a task. GoalCube works out the risk under the EU AI Act with fixed rules and tells you what to do.
Low risk when the AI only finds gaps. Names, policies and ID numbers are hidden.
Risk assessment and pricing for life and health insurance are listed in Annex III of the AI Act. A person must be able to step in.
A decision that matters to the customer. A claims handler decides and gives reasons (Article 22 GDPR).
Health data is sensitive (Article 9 GDPR). The AI must never see it together with the name.
The example is simplified. In GoalCube you answer a few questions, and the classification follows fixed rules.
What the law says
Life and health insurance is high-risk
AI for risk assessment and pricing of individuals in life and health insurance is listed in Annex III of the AI Act.
Annex III, point 5(c), AI Act
Fundamental rights impact assessment
Insurers using high-risk AI for life and health insurance must carry out a FRIA before they start using it.
Article 27 AI Act
Health is sensitive
Details of personal injury and illness are special category data.
Article 9 GDPR
Short and simplified. GoalCube helps you follow the rules; it is not legal advice.
Approve or reject? A claims handler decides.
The AI has reviewed the claims without names or ID numbers. The claims handler decides each case and gives reasons.
Case facts
Sandra Kavanagh
- Claim
- Water
- Documents
- Photos and invoice
- From the claim
- Flash flood; ground floor flooded.
The AI’s recommendation
Approve
Reasoning: Covered by the policy, and the documents are complete.
The AI is unsure about:
Audit log
- Decisions are saved here with the time and a timestamp.
Your staff keep working. GoalCube keeps track of the rest.
Low risk is approved automatically under fixed rules. Anything that needs a human lands on This week’s list – typically around 5 minutes a week.
Go through October's claims and find the ones with missing documents.
23 claims are missing documents, and I've written to the customers. Three cases need a decision from a claims handler at GoalCube.
4 awaiting a human · approx. 5 minutes
Waiting for you
- Decide 3 home contents claimsDecision about a person · the AI has recommended
- Complete FRIA for pricing model, life and healthHigh-risk · template ready
Approved automatically
- Summary of customer enquiriesLow risk · approved automatically on Monday
- Overview of supplier contractsLow risk · approved automatically on Tuesday
What you need
Start free with the overview. Add protection when you want to use AI on real data.
AI Map
Map
0 € per month
- AI inventory and AI policy
- Training with proof
- Deadlines, templates and report
Data Vault
Map and protect
from 9 € per month
- Everything in AI Map
- AI on your data, data stays in the EU
- Secret terms and documents
Data Vault + Human Decision
GoalCube for HR
from 15 € per month
- Everything in Data Vault
- A person decides on cases about people
- Passkey, log and timestamps
See all prices All prices are per month and exclude VAT. Pay yearly and get 2 months free. Prices apply from launch, which we expect in November 2026.
Questions and answers
Is AI in insurance high-risk?
Pricing and risk assessment of individuals in life and health insurance are high-risk under Annex III of the AI Act. Property claims aren't listed there, but a rejection is still a decision about a person under GDPR.
Do we need a FRIA?
Yes, if you use high-risk AI for life and health insurance (Article 27 AI Act). It can build on your DPIA.
Can the AI reject a claim automatically?
An automatic rejection that matters to the customer generally requires that a person can review the case. In GoalCube a claims handler decides.
Read more
- AI in practice
AI for credit scoring and insurance: What does the AI Act require?
2 min readCredit scoring of individuals and life and health insurance pricing are high-risk. The requirements, FRIA, right to an explanation and fraud exception.
- The EU AI Act explained
What is a FRIA, and do we need one?
2 min readA FRIA is a fundamental rights impact assessment under Article 27 AI Act. See who must do one, what it contains and how it differs from a DPIA.
- GDPR and AI
Can we use AI on sensitive data such as health and religion?
2 min readHealth, religion, union membership, ethnicity and biometrics are special categories under the GDPR. The rules when AI is involved, and how to protect them.
- GDPR and AI
How do we show that a human made the decision? GDPR Article 22 and AI
6 min readUsing AI on applicants or staff? A human must really decide. What GDPR Article 22 on automated decision-making and the EU AI Act require – and how to prove it.
Other solutions for customers
- Online shop customers
- Guests
- Software users
- Members
- Subscribers
- Patients and clients in healthcare
- Clients of advisers
- Students and learners
- Tenants
- Borrowers and credit customers
- Passengers and travellers
- Donors and supporters
- Event attendees and registrations
- B2B customers
- Property buyers and sellers
- Residents in care and supported living
- Citizens
Ready to use AI on policyholder data?
We expect to launch in November 2026. Join the waitlist and we’ll let you know when you can get started.