From days to seconds. How a major insurance company sped up compensation payments

When your car breaks down while travelling, your flight is cancelled or unexpected costs arise, time acts against you. One of the largest insurers in Poland and Europe has found a way to provide real help to customers during such situations in a matter of seconds, rather than days.

When time was the worst enemy

An international insurance brand operating in Poland and Europe offers a comprehensive range of policies, from communication and health to travel. In emergencies, such as a car breakdown or a cancelled flight, immediate financial support is crucial. In the past, the company's existing payment process required paperwork and verification, which meant that funds reached customers after several hours or even days. This often meant that quick action was impossible.

Fast assistance thanks to Sparados

To reduce the time needed to assist customers to an absolute minimum, the insurer has introduced virtual Sparados cards in Poland and the Czech Republic. The process is simple: the customer contacts the company and, after a few seconds, receives a card with funds ready to use on their phone. Each card has an amount limit, a time limit and a defined purpose so that the money can be used exactly for the purpose for which it was granted. This could be a taxi ride, a hotel room or a flight ticket.

Implementation results: less stress, more action

• Funds reach customers in seconds, not days.

• The insured person can act immediately instead of worrying about financing emergency expenses.

• The (insurance) company can be sure that the money is being spent as intended.

• The entire process is safe, transparent and fully online.

• The ability to provide precise statistics and reports in real time helps with analysis and further process improvements.

• The solution proved to be so effective that other branches of the group in other countries are already preparing to implement it.

"When customers need help in a crisis, there is no time for transfers and formalities. Immediate transfer of funds makes assistance real and noticeable at the very moment it is needed."

Thanks to Sparados, the financial assistance in emergencies has become truly immediate. This solution not only makes life easier for insured persons but also builds trust in the brand by showing that in times of crisis, what counts most is a quick and effective response.