What is Human-in-the-Loop (HITL) in insurance?
Human-in-the-Loop (HITL) is an approach where AI and human expertise work together within an insurance process. AI can handle tasks it performs reliably, while human professionals review, approve, or intervene when decisions require contextual understanding, specialized expertise, or accountability.
Which insurance processes can benefit from HITL?
HITL can be applied across areas such as submission intake, underwriting, claims, policy administration, customer service, and compliance. The approach is particularly valuable for processes where AI can handle high-volume activities while people manage exceptions or decisions requiring professional judgment.
How does HITL help insurers manage AI-related risk?
HITL introduces defined points for human review, escalation, and approval. This can help insurers identify questionable AI outputs, maintain decision ownership, support regulatory requirements, and provide greater transparency around decisions influenced by AI.
Can human-in-the-loop improve AI performance over time?
Yes. Human feedback can provide valuable information about errors, exceptions, and decision outcomes. When incorporated into appropriate feedback and improvement processes, this input can help organizations refine AI models, workflows, and decision rules over time.
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