Fair claims handling

Topdanmark wants to help our customers and ensure that they always receive fair claims treatment, so that they feel secure with the products they have bought from us. Our goal is for customers to receive quick, efficient, and service-oriented compensation and help in accordance with their insurance terms.

Topdanmark wants to help our customers and ensure that they always receive fair claims treatment, so that they feel secure with the products they have bought from us. Our goal is for customers to receive quick, efficient, and service-oriented compensation and help in accordance with their insurance terms.

We have implemented solutions that ensure that our customers quickly gain an understanding of how they are covered and how the process onwards will be. These are solutions that we are constantly improving.




Easy to report claims

We focus on making it so easy for our customers to report claims. Therefore, we have developed a digital platform where the customer is guided through a review without the use of e.g., policy number. If the customer is in doubt, a chatbot can help find the correct notification form. It is also easy to get an overview of the reported claims and the overall process.




We are aware of errors

We handle more than 300,000 claims each year. Thus, it cannot be avoided that errors occur in our claims handling - e.g., errors in entering data when making a claim. Our wish is that we make as few mistakes as possible as it is to the inconvenience of our customers.

When we become aware of an error, we correct it immediately. If the error has affected the customer's compensation or the future process that the customer must go through, we inform the customer of the error and pay any difference that may be.

To minimise the number of errors, our claims handling is continuously quality assured through internal controls, dialogue with our employees and feedback from our customers - especially those who have been through a claim process. This is done, among other things, to ensure that workflows are complied with and that we provide a uniform case processing.




Analyses used for improvement

We use several different analyses to assess whether the customers are satisfied with our case processing and whether they experience it correctly and fairly. For example, we look at reasons why our customers send us complaints.




Contact

Pernille Fogh Christensen
Senior Sustainability Consultant
Marie Uldall Thomsen
Sustainability Consultant