AI assistant for insurers
Policy wordings, tariffs and claims guidelines instantly available – GDPR-compliant, with source citations and without moving policyholder data to the US cloud.
KOSMO makes insurance terms and conditions, tariffs, claims guidelines and internal work instructions searchable in seconds – with a source citation for every answer. Because the system runs on-premise or in a German data centre, policyholder and claims data stays in-house; no CLOUD Act risk.
What KOSMO does for Insurance
Policy wordings & tariffs at your fingertips
Terms and conditions, tariffs and clause sets are available in seconds – always with a source citation, traceably substantiated.
Policyholder & claims data stays internal
All sensitive data is processed exclusively on-premise or in a German data centre. No access by US cloud providers, no CLOUD Act risk.
Web search can be disabled
On request, KOSMO works exclusively with your own documents – no uncontrolled internet access, no misinformation.
Claims handling & settlement
Coverage questions, claims guidelines and settlement processes are instantly available to case handlers – with precise source citations.
Onboard new staff quickly
Case handlers and field staff instantly find answers on terms, processes and internal policies – available around the clock.
Traceable & audit-proof
Every answer is verifiable via its source citation – an advantage for documentation obligations and the requirements of the EU AI Act.
Ready in three steps
Import documents
Upload insurance terms and conditions, tariffs, claims guidelines and internal work instructions to KOSMO. The AI reads, indexes and understands the content semantically.
Ask questions
Staff ask in natural language. KOSMO answers precisely – with a source citation showing which document provides which passage.
Secure & controlled
Web search can be disabled, data never leaves your infrastructure, role permissions control access.
Important note: KOSMO works exclusively with the documents and information you provide. No guarantee can be given at any time for the factual accuracy of the answers – if the underlying sources are incorrect or outdated, KOSMO reproduces those errors accordingly. Every answer is traceable via its source citation and should be reviewed by a professional; responsibility for the content remains with the user.
Your data belongs to you –
and stays with you
KOSMO runs on-premise or in a certified German data centre. No API calls to OpenAI. No training on your content. No vendor lock-in.
100% legally compliant, hosted locally
Own data centres, no US cloud
Every answer is traceable
Only your documents, no internet
KOSMO for other organisations
Frequently asked questions – KOSMO for Insurance
May insurers use AI with policyholder data?
Yes, as long as the data does not leave the building. KOSMO runs on-premise or in a German data centre – policyholder and claims data remain entirely on your infrastructure, GDPR-compliant and without training on your content.
How does KOSMO support everyday insurance work?
KOSMO makes policy wordings, tariffs, claims guidelines and internal instructions instantly searchable – always with a source citation. That saves around 40% of research time; the professional assessment remains with the case handlers.
Does KOSMO replace the coverage assessment?
No. KOSMO speeds up research and case preparation – the binding coverage and benefit decision remains with the professional staff, who review the results based on the source citation.
How does KOSMO stay up to date with new tariffs and terms?
Simply upload new terms and conditions, tariffs or claims guidelines – KOSMO indexes them instantly and takes them into account from the next question, without any re-training.
Try KOSMO for Insurance
Request a free demo – we'll show live how KOSMO works in your organisation. No setup, no credit card.
