Make The Difference At Every Stage: From Application To Claim

Bluem helps insurers onboard policyholders seamlessly, verify identities, analyze financial information and prevent fraudulent claims or incorrect payouts. Our services can be applied throughout the customer lifecycle: from initial application and policy acceptance to policy changes, claims processing and beneficiary payments.

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Senior couple reviewing an insurance claim at home

Claim Payout Review

#CL-72418

Request

Property Damage

Claim Amount

€8,450

Documents

Ready to pay €8,450

All controls passed · audit trail saved

Pay

Claimant

Identity + policy matched

Verified

Evidence

3 documents reviewed

Clear

Payout Account

Beneficiary IBAN match

Matched

Trusted by organizations across Europe and the GCC.

Priority Use Cases

Protect Every Stage of the Policy Lifecycle

From onboarding and policy changes to claims and recurring payments, Bluem combines identity, compliance, account verification and digital consent to reduce friction, prevent fraud and keep every journey secure.

Frictionless Policyholder Onboarding

Verify new policyholders quickly while keeping the application journey simple and convenient.

Claimant and Beneficiary Identity Verification

Bluem securely verifies claimants and beneficiaries through trusted eIDs, wallets and document checks, collecting only the personal data required.

Bank-Account Matching

Match names with bank accounts before collecting premiums or issuing claim payouts.

Compliance Risk Screening

Screen customers, beneficiaries and related parties for sanctions, PEP and adverse-media risks.

Existence Verification

Confirm whether an insured person is still alive before continuing annuity or long-term benefit payments.

Automated Claims Analysis

Analyse claims documents and financial information automatically to support faster, informed decisions.

Secure Customer Authentication

Verify customers before sensitive policy updates, account changes or high-risk actions.

eSign Digital Contracts and Consent

Let customers legally sign contracts, declarations, and consent forms through secure digital journeys.

Continuous Customer Monitoring

Support periodic reviews and identify changes in customer details or risk profiles over time.

Direct Debit Authorization

Collect secure digital mandates for recurring premiums via the eMandate and Green Mandate.

Flexible Payment Links

Send convenient payment links for periodic bills, outstanding premiums and one-off payments.

Seamless Online Payments

Customers pay premiums or charges via Wero, bank payments, cards, PayPal, Apple Pay or Google Pay, with instant webhook confirmation.

In practice

Insurance Journeys in Action

See how Bluem brings verification, compliance, payment checks and digital signing together to streamline real insurance workflows.

Smarter Policyholder Onboarding

Verify identity, complete compliance checks, collect payment details and capture digital signatures in one guided journey.

Policy Application

Sophie van Dijk

Faster, Safer Claims

Collect and analyse supporting documents, then verify beneficiary identity and bank-account ownership before payout.

Insurance Payout

€1,250

Bank Account

Protected Long-Term Payments

Use Existence Check to identify annuity or recurring-benefit cases that require investigation before the next payment.

Existence Check

Omar Al-Hassan

Action Required

The Bluem Advantage

Better Onboarding, Lower Fraud Exposure, Faster Payments

Every check and decision is recorded, creating a fast, secure and fully traceable claims process. Next, many insurers uses Bluem’s payment solutions: online payments, payment links, as well as direct debit authorization.