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Insurance Market ResearchCase 02 of 10Illustrative engagement

Understanding the claims experience

A general insurer

  • RegionIndia
  • Scope2,000 claimants
  • Timeline6 weeks
  • MarketsIndia
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Illustrative engagement. A representative scenario showing how we approach this kind of work in insurance. It does not describe a specific client; outcomes are described qualitatively.

01

Industry overview

What is shaping insurance

Insurance is bought for peace of mind and judged at the moment of a claim. Agents, digital journeys and claims experience shape trust.

  • Many buyers do not fully understand their policies
  • Claims experience defines the brand
  • Agents remain important alongside digital
02

Client background

A general insurer, working in India. This is an illustrative engagement: a representative scenario showing how we approach this kind of work, not a named client project.

Organisation
A general insurer
Sector
Insurance
Team engaged
Market Research
Services
Offline data collection (CATI), Quantitative research
03

Client challenge

Claims satisfaction was low, but the insurer did not know which steps caused frustration.

04

Research objectives

  • Deliver on the brief: understanding the claims experience.
  • Understand the views, needs and behaviour of claimants.
  • Measure how widespread each pattern is, and explain the reasons behind it.
  • Give the client evidence it can act on within 6 weeks.
05

Target audience

The work focused on 2,000 claimants.

  • claimants2,000

Audiences we typically reach in insurance

Policy buyers and holdersClaimantsAgents and advisersProspectsScheme beneficiaries

06

Geographic coverage

Coverage: India. Market: India.

  • India
07

Research methodology

A mixed-method design: structured research measured how widespread each pattern was, and qualitative conversations explained why.

  1. 1Brief
  2. 2Post-claim interviews
  3. 3Insight

We interviewed customers after claim settlement about each stage: intimation, documents, survey, approval and payment.

Offline data collection (CATI)Quantitative research

08

Sampling strategy

claimants
2,000
  • Telephone contacts were dialled from verified lists, with quotas tracked live by the field team.
  • Qualitative participants were recruited purposively to cover the full range of experiences that mattered, rather than for statistical representation.
09

Data collection

Brief & design Sampling & set-up Fieldwork Analysis Reporting Indicative split of the 6-week timeline.
  • Telephone interviews were run from our CATI centre, with calls monitored for quality.
  • Interviews and discussions were led by experienced moderators using a guide agreed with the client.
10

Data quality & validation

  • Live call monitoring and recording review
  • Call-back verification
  • Recordings and transcripts for every session
  • Re-screening of qualitative recruits
  • Logic and range checks on the final data
  • Work carried out under our ISO 20252 quality procedures
11

Data analysis

  • Cross-tabulation by key groups and locations
  • Significance testing on the differences that mattered
  • Thematic coding of interviews and discussions
  • Journey and decision mapping
12

Key findings

  • Repeated document requests caused most frustration.
Ask once, clearly.
13

Recommendations

  • Build on the core insight: ask once, clearly.
  • Focus effort where the evidence was strongest: repeated document requests caused most frustration.
  • Re-measure after the changes to confirm the effect.
14

Business impact

  • The insurer introduced a single document list per claim type.

What changed in the business as a result of the work. Impact is described qualitatively.

15

Deliverables & next steps

  • Insight report and management presentation
  • Cleaned data file and data tables
  • Repeat the measure after changes are in place to track progress.
  • A natural follow-on question: will this product be understood?

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