What challenges did Swiss Re face before AI implementation?

Traditional insurance claim processes for flight delays required manual filing and lengthy reimbursement times. Swiss Re sought to diversify from large, annual reinsurance contracts to scalable microservices. The company needed a global solution unhindered by legacy, on-premises infrastructure. High transaction, low margin model required a cost-effective, cloud-native environment. A fully automated, real-time customer journey was impossible on existing systems.

What was the impact of the AI solution?

Reduced product launch time to 8 months (with only 4 months development). Reimbursed most claims within 1 hour after the flight lands. Processed over 1 million API requests daily, handling millions of micro-policies. Lowered infrastructure and operation costs with PaaS and eliminated need for specialized IT staff. Laid the foundation for other digital transformation projects, including IoT initiatives.

Source

MicrosoftEvidence: Medium60/100

Swiss Re introduces instant flight interruption insurance with automated claims

Use case typeClaims automationUpdated Jun 13, 2026

Swiss Re, a global reinsurance leader, launched a fully automated digital insurance platform for flight delay insurance. The platform leverages Microsoft Azure cloud services, including Azure App Service, API Management, SQL Database with elastic pools, and Azure DevOps, to deliver instant claims processing, real-time monitoring, and rapid product deployment. Collaborating with FlightStats for live flight data and working with Microsoft partner Codit for cloud technology integration, the solution enabled Swiss Re to process millions of micro-insurance policies with minimal manual intervention. The system is scalable and cost-effective, requiring no specialized IT for operations, and can be easily integrated by airlines and travel agencies as a value-added service. Most claims are reimbursed within one hour post-landing. The success of this project accelerated further digital transformation and platform-based innovation at Swiss Re, with other IoT projects now being built on the same Azure foundation.

Organization: Swiss Re
Industry: Insurance
Location: Switzerland
Published: June 2025

Reported outcomes

1 hours

quantified impactOther quantified impact

Strategic outcomes

New business modelLaunched scalable micro-insurance platformNew product / capabilityEnabled instant automated claims processingCustomer experience & trustDelivered near-instant claim reimbursementsEcosystem & partnershipsEnabled partner integration for distribution

Why do we believe this?Outcome claims, sources, and evidence checks

Normalized claim

Quantified impact: 1 hours

microsoft.comJun 4, 2025Customer storyInferred claimMedium evidence strength

Reimbursed most claims within 1 hour after the flight lands.

Why do we believe this deployment?Customer identity, provider attribution, maturity, and source checks

Customer: Swiss Re
Provider: Microsoft
Maturity: Unknown
Linked source: microsoft.com

No explicit deployment-stage evidence found.

Customer identity supportedSource describes one deploymentMaturity evidence evaluated

Primary read

Use case focus

Showing 3 of 3

1Automated Flight Delay Claims Settlement
2Real-time Micro-Insurance Processing
3API-based Insurance Platform Integration

Traditional insurance claim processes for flight delays required manual filing and lengthy reimbursement times.
Swiss Re sought to diversify from large, annual reinsurance contracts to scalable microservices.
The company needed a global solution unhindered by legacy, on-premises infrastructure.
High transaction, low margin model required a cost-effective, cloud-native environment.
A fully automated, real-time customer journey was impossible on existing systems.

Implemented Microsoft Azure App Service, Azure API Management, and Azure SQL Database with elastic pools.
Adopted Azure DevOps for continuous integration, deployment, and test automation.
Collaborated with FlightStats for live flight monitoring and integrated reimbursement automation.
Partnered with Codit for expert cloud migration and microservices design.
Enabled easy API integration for external partners such as airlines and travel agencies.

Technologies

Azure App Service Azure API Management Azure SQL Database Azure DevOps

Reduced product launch time to 8 months (with only 4 months development).
Reimbursed most claims within 1 hour after the flight lands.
Processed over 1 million API requests daily, handling millions of micro-policies.
Lowered infrastructure and operation costs with PaaS and eliminated need for specialized IT staff.
Laid the foundation for other digital transformation projects, including IoT initiatives.

Architecture

The solution uses Azure PaaS services (App Service, API Management, SQL Database with elastic pool) to host a microservices-based insurance system. Integration with FlightStats provides real-time flight monitoring. Azure DevOps enables automated CI/CD and daily deployment. The system processes and settles claims automatically, with APIs allowing seamless integration by partners. Codit assisted with cloud architecture and migration.

Sources & evidence2

Evidence: Medium60/100Evidence strength