Human-in-the-loop AI
Also known as HITL
Human-in-the-loop AI keeps a person in control of the decision. The system does the reading, the analysis and the recommendation, and a human makes the final call. In claims it means the adjuster decides, and the AI never books a decision on its own.
It is the opposite of full automation. The AI does the heavy lifting, reading the file and cross-checking it, then puts up a recommendation with its evidence and a confidence. The adjuster accepts, edits, or overrides it.
How human-in-the-loop works in claims
The AI reads the file, applies the team’s rules, and proposes a decision, whether a coverage call, a liability split or a reserve, with the reasoning and a confidence attached. The adjuster reviews the recommendation and the evidence behind it, then confirms, adjusts or overrides. The system never commits the decision itself, and every human action is recorded.
Human-in-the-loop vs full automation
Full automation takes the human out of the decision, which works for simple, clear-cut claims (see straight-through processing). Human-in-the-loop keeps the human on the calls that carry judgment, legal weight or dispute risk, so most of the efficiency is captured without giving up accountability.
Why regulators care
Decisions that significantly affect people fall under rules on automated decision-making, including GDPR Article 22 in the EU and newer AI regulation elsewhere. These generally require real human involvement and an explanation. A human-in-the-loop design with a clear audit trail is how insurers meet that.
Example
On a disputed collision, the AI proposes a 70/30 split, cites the convention article it used and the two witness statements it reconciled, and scores its confidence at 0.82. The adjuster spots a detail the model underweighted, overrides to 100/0, and the reason is logged. The AI did the reading and the reasoning. The person made the call and owns it.
Mysa recommends with evidence and a confidence, and your adjuster makes every call. Human-in-the-loop by design.
Common questions
What is human-in-the-loop in insurance claims?
An approach where AI supports the adjuster with analysis and recommendations, and the adjuster makes the final decision.
What is the difference between human-in-the-loop and full automation?
Full automation makes the decision itself. Human-in-the-loop has AI recommend and a person decide, which keeps accountability on judgment-heavy claims.
Why is human-in-the-loop important for AI in insurance?
It keeps accountability, judgment and explainability with a person, and it helps meet rules on automated decision-making such as GDPR Article 22.