Credura launches AI-based insurance adviser for private customers in Switzerland
Credura, a FINMA-licensed digital insurance advisory firm, has rolled out what it describes as the first AI-based adviser built specifically for private individuals. The launch follows a pilot with several hundred households and moves the advisory model from occasional check-ins to continuous oversight.
The platform automates policy management, consolidates contracts from multiple providers, and gives independent advice across insurers and products. It monitors the market, flags optimisation opportunities, and helps users execute changes in a few steps, cutting out repetitive admin.
Why this matters for insurance professionals
Swiss households often hold multiple policies that need regular review for coverage, price, and terms-work that is tedious without specialist support. Credura positions automation as the way to handle depth at scale. As co-founder Roman Loosli put it, "A human adviser can only reach this level of depth with significant time and cost," and, "Our technology delivers the same level of analysis in seconds, making continuous support economically viable for the first time."
For carriers and intermediaries, this signals growing demand for always-on advice, data interoperability, and transparent remuneration. Credura says its logic is neutral regardless of payment model, which will draw attention from compliance and distribution teams focused on conflicts and advice quality.
How the platform works
- Consolidates policies from any provider and monitors them continuously.
- Interfaces with 17 major insurers for data exchange; market comparisons extend across all available providers.
- Interactive dashboard lets users ask policy-specific questions; the AI reads original documents to answer coverage and scenario queries.
- Digital claims and service requests are routed through the platform, which handles insurer communications and progress updates.
- Automatically reacts to market shifts or personal changes (e.g., life events) and suggests adjustments.
- Two pricing options: an annual flat fee of CHF 250 with all commissions returned to the customer, or a free commission-based model-both driven by the same advisory logic.
Compliance and market context
Operating under Swiss supervision matters here. FINMA licensing sets expectations around independence, data handling, and conduct standards for advisory activity. More detail is available from FINMA.
What to watch next
- Data access and quality: Interfaces with 17 insurers is a start-coverage breadth and depth across the market will be the differentiator.
- Neutrality and disclosure: Returning commissions on the flat-fee plan vs. a free commission-based path will put transparency under the microscope.
- Role of intermediaries: Continuous monitoring may shift brokers and agents toward exception handling, complex cases, and higher-touch advice.
- Operational fit: Claims routing and service request handling could reduce back-and-forth for simple cases; integration playbooks will matter.
- Customer outcomes: The real test is measurable premium and coverage improvements over time, not just convenience.
Practical takeaways for insurers and intermediaries
- Map where continuous analytics can replace scheduled reviews (renewals, benefit adequacy checks, lapse risk).
- Prioritise API readiness and document ingestion quality-original policy text is the ground truth for accurate answers.
- Pilot AI-led monitoring with a defined segment, measure churn, premium leakage, and claims cycle time.
- Align remuneration disclosures and advice logic across fee and commission models to avoid conflict risk.
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