plFull control over the claims handling process thanks to the implementation of the Tutor 2 system at NOXA Insurance
- NOXA Insurance Sp. z o.o.Client
- Insurance (TPA)Industry
- PolandCountry
- Tutor 2 - dedicated claims handling systemSolution
- 1 month (development)Duration
Project Overview
NOXA Insurance, a company specializing in corporate claims handling as a TPA (Third Party Administrator), approached us with the need to replace system based on Microsoft Access. The existing solution – “NOXA Tutor 1.5” – had evolved organically over the years, combining an Access database with an ODBC connection to MySQL, manual document generation in Word, and manual tracking of statutory deadlines in spreadsheets.
The company required the implementation of a modern web application that would automate the entire claims handling lifecycle – from the moment an email notification is received, through the generation of statutory correspondence, deadline tracking, settlements with insurance companies, to case closure and documentation archiving.
The primary challenge was to maintain operational continuity for the claims handling team during the transition to the new system, as well as to migrate over 10,000 existing claims files with total documentation exceeding 2 TB.
Challenge
Prior to the implementation of Tutor 2, NOXA Insurance faced a number of operational challenges resulting from the limitations of the legacy system:
The lack of automation of statutory deadlines posed a significant regulatory risk. Seven-day and thirty-day letters, whose timeliness is monitored by the KNF, were tracked manually in Excel spreadsheets. Exceeding the complaint response deadline (25 days) resulted in its automatic acceptance – with financial consequences.
Fragmented documentation significantly hindered day-to-day operations. Claims files were stored across various network drives, emails were manually copied between folders, and document versioning was virtually non-existent.
The absence of work time tracking per claim prevented accurate settlements with insurance companies. Adjusters manually reported their time, leading to underestimations and settlement disputes.
The limited scalability of the Access-based system meant that as the number of handled claims increased, the system became progressively slower and more prone to failures.
Milestones
- Pre-implementation analysis and workshops
- Core system development (database, authentication, claims module)
- PDF generation and workflow integration
- Settlements, complaints, task system with 12 alert types
- Reporting, data export, configuration
- Workflow testing and refinements
- Production deployment and data migration
Solution
Following a pre-implementation analysis and a series of workshops with the NOXA Insurance team, we designed and implemented the dedicated Tutor 2 system, built on ASP.NET Core 8 with a Blazor Server interface.
AI-First Strategy
A key differentiator of the project was the adoption of an AI-First strategy, in which artificial intelligence is not an add-on to the development process, but its primary driver. A single-person AI BPX team executed the entire project, orchestrating the work of five AI models simultaneously:
Anthropic Claude Opus – system architecture, C#/Blazor code generation, requirements analysis, technical documentation
Microsoft Copilot – integration with the Microsoft ecosystem (O365, Graph API, SQL Server), code generation in Visual Studio
xAI Grok – analysis of alternative solutions, code review, edge case testing
OpenAI GPT – document template generation, natural language processing, PL/EN translations
NVIDIA Nemotron – SQL query optimization, performance analysis, data modeling
The AI models generated code, documentation, document templates, migration scripts, and tests – while the developer validated, integrated, and orchestrated the overall process. The result was a delivery speed twelve times higher than in a traditional development team.
Competing companies estimated a comparable system at a full calendar year of work for a complete development team – excluding implementation and data migration. BPX delivered the development in 1 month, at a cost 96% lower than the lowest market offer.
Tutor 2 System Scope
The Tutor 2 system covered the following areas:
The claims module forms the core of the system. Each claim has a record with eight tabs — from basic data, through an electronic file with MD5 checksum control, notes, generated documents, invoices, work time registry, reserve history, to a full audit trail of changes. The system automatically guides the claim through stages: registration, 7-day letter, 30-day letter, final report, managerial verification, settlement, and closure.
The document generator enables the creation of statutory correspondence with a single click. Seven-day letters, thirty-day letters, and final reports are generated from templates with automatic population of claim data, exported to PDF, and ready for dispatch. The content of each document is fully editable prior to finalization.
The task and alert system is a module that eliminates the risk of overdue actions. Twelve types of automatic alerts monitor statutory deadlines — from sending correspondence, through complaint deadlines (25/60 days), to claim closure deadlines. Mandatory tasks overdue by more than 2 days block system access until completed.
The complaints module supports the full appeals lifecycle in compliance with KNF-regulated deadlines. The system automatically copies data from the original claim, monitors the 25-day response deadline and the 60-day maximum deadline, and generates escalation alerts.
Settlements with pricing models introduce a structured workflow for transferring claims to settlement. The adjuster confirms the completeness of costs and invoices, the system suggests remuneration based on the pricing model assigned to the insurance company, and the settlement manager approves or modifies the proposal.
Substitutions and leave management enable seamless handover of responsibilities. A substitute receives full access to the claims of the replaced employee, and all actions are recorded with the annotation “substitution for [name surname]”. The system reminds users to deactivate substitution after the leave period ends.
Results / Benefits
Elimination of regulatory risk thanks to automatic deadline alerts. No 7-day or 30-day letter can be overlooked - the system blocks other activities until mandatory tasks are completed.
Reduction of claim handling time thanks to one-click document generation. What previously required manual completion of a Word template, copying data, and formatting - now takes a second.
Full control over settlements with insurance companies. Pricing tables per insurer, automatic suggestions of amounts, and comparison of working time with the budget eliminate underestimations and disputes.
The electronic file with change history ensures full transparency. Every modification of claim data, every document upload, every status change is recorded with date, time, and user identification.
Continuity of work during leave periods thanks to the substitution system. The substitute immediately receives access to all claims of the replaced person, without the need to transfer passwords or manually share folders.
Reduction of onboarding time for new employees. An intuitive browser-based interface with guidance through claim stages means that a new adjuster is productive from day one.
Scope of Implementation & Projects in Numbers
- Corporate claims handling (TPA, liability, property, cargo, transport)
- Statutory document generation (7-day, 30-day, final reports)
- Settlements with insurers
- Complaints and appeals handling
- Time tracking for adjusters
- Electronic claim files with archiving
- Reporting and data export
- 1 month development (vs ~260 working days traditionally)
- 96% lower cost vs lowest market offer
- ×12 delivery speed (AI-driven vs traditional teams)
- 1 person + 5 AI models working in parallel
- 9 system modules, 12 alert types
- 10,000 files migrated, 2 TB of data
- ~50 target users
Lessons Learned
The execution of the Tutor 2 project confirmed several key insights that will be applied in future implementations:
The AI-First strategy is not an experiment — it is a new standard. Leveraging five AI models in parallel, each in its strongest domain, enabled a single-person team to achieve results unattainable in the traditional model. Development took one month instead of a year, and costs decreased by 96%. This is not incremental optimization — it is a fundamental shift in the economics of software development.
The human is not replaced — they are augmented. In the AI-First model, the developer’s role is that of an architect, conductor, and quality controller. AI generates the code, but it is the human who defines the architecture, verifies correctness, conducts client workshops, and understands the business context. Without domain expertise in KNF deadlines, TPA processes, and claims handling specifics — no AI model would have produced a functional system.
Separating infrastructure-dependent phases from development phases eliminates bottlenecks. Application development progressed independently of the client’s server selection decisions, enabling uninterrupted delivery without delays.
AI-First strategy at BPX
The Tutor 2 project is the first implementation fully delivered under the AI-First strategy of the BPX AI team. In this model, artificial intelligence does not support a traditional team — it replaces it at the execution level, while the human is responsible for strategy, architecture, and client relationships.
The results speak for themselves: ×12 execution speed, -96% costs, development time reduced from a year to one month. This positions BPX among the global leaders in terms of delivery speed of dedicated business systems leveraging AI.
Iterative testing with the client after each phase drastically reduces the number of revisions. Instead of the traditional model “build for a year, then test,” the client saw a working system at every stage and provided feedback on an ongoing basis.
NOXA Insurance
NOXA Insurance Sp. z o.o. is a Warsaw-based company specializing in corporate claims handling as a Third Party Administrator (TPA). The company handles claims in the areas of liability, property, cargo, transport, and D&O for domestic and international insurance companies, brokers, and non-insurance entities. A team of experienced adjusters manages cases from notification to full settlement, ensuring professional service in compliance with KNF requirements.
Tutor 2 was the most ambitious project we had undertaken in a long time – not because of the system’s scale, but because it required a completely new approach to software development. We had to redefine the roles of humans and machines within the development process. Who designs the architecture? Who writes the code? Who verifies quality? Who communicates with the client? The answers to these questions turned out to be surprisingly different from those we were accustomed to in the traditional working model.
The result – a production system delivered twelve times faster and at a fraction of market costs – confirms that we chose the right path. I hope that the AI-first approach will become our gold standard in future projects. If that happens, we will gain a competitive advantage that companies operating in a traditional model simply won’t be able to match.
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