Digital Claim

Claims automation and recovery outsourcing for European health and travel insurers.

Claims Technology Growth Seed

Overview

Digital Claim (DCM Digital Claim Management GmbH) is a claims technology provider for health and travel insurance carriers, offering end-to-end claims processing automation and outsourced recovery services. Founded in April 2017 and headquartered in Vienna, Austria, the company targets German-speaking European markets where paper-based claims workflows remain common.

The platform combines OCR, machine learning, and low-code software to convert unstructured claim documents into structured digital data, enabling automated back-office processing. Digital Claim offers three delivery models: full-service outsourced claims management, white-label digital journey modules for insurer self-service, and a success-based regression claims recovery service where fees are collected only on recovered amounts. The ML pipeline was developed in collaboration with TU Wien (Vienna University of Technology) and received research funding from the Austrian Research Promotion Agency (FFG).

The company serves a customer base that collectively represents approximately 80% of the travel insurance market in German-speaking countries, including ERGO Reiseversicherung AG, Allianz Travel, HanseMerkur, Union Reiseversicherung, Generali, UNIQA, and R+V Versicherung. Its early-stage growth was supported through the Quake Capital accelerator program in New York, with seed funding from US-based insurance executives. The platform operates exclusively on EU-hosted infrastructure and maintains GDPR compliance throughout its data processing pipeline.

Products & Services

Full-Service Claims Management

End-to-end outsourced claims processing from initial submission through final settlement. Handles 500,000+ claims annually across five languages with a complaint rate below 1%. Uses AI-supported workflows for document capture, data extraction, and settlement automation.

Key Features

Multi-language processing (five languages)
AI-supported structured data capture from unstructured claim documents
End-to-end settlement workflow automation
Sub-1% complaint rate SLA

Target Users: Health and travel insurance carriers

Digital Claims Journey Modules

Low-code white-label platform components for insurers seeking to digitize customer-facing claims intake and status tracking. Deployable within weeks rather than requiring multi-year IT projects.

Key Features

Configurable UI/UX claim input modules
Customer portals with real-time claim status tracking
API integration to existing insurer core systems
White-label deployment with insurer branding

Target Users: Carriers seeking to modernize claims intake without large-scale IT investment

Claims Regression and Recovery Outsourcing

Success-based model for identifying and pursuing recovery claims on behalf of carriers. Digital Claim collects a share of recovered amounts only upon successful collection, creating a zero-upfront-cost recovery service for insurers.

Key Features

ML-based data extraction from legacy claim documents
Automated identification of recoverable regression claims
Success-only fee model (no recovery, no charge)
Documented ML error rate of approximately 0.7%

Target Users: Travel and health carriers with existing claims backlogs containing unrecovered amounts

At a Glance

Founded: 2017
Headquarters: Vienna, Austria
Employees: 1-10
Funding: Seed

Category & Focus

Category: Claims Technology
Subcategories: Claims Automation Claims Outsourcing Document Processing Regression/Subrogation
Insurance Verticals: Health P&C Personal
Target Customers: Carriers

Customers

ERGO Reiseversicherung AG (white-label portal live at ergo-eventticket.digitalclaim.de)
Allianz Travel
Union Reiseversicherung
HanseMerkur Versicherungsgruppe
Generali
UNIQA
R+V Versicherung
ERV