The European health insurance market is expected to grow by over 70% from 2020 to 2030. Aging populations, rising healthcare costs, and the increasing prevalence of chronic illnesses are fueling this expansion. For Nordic insurers, this presents a significant opportunity to grow and evolve, but also a clear set of challenges.

A growing market means growing competition

As the market expands, so does the competition. To succeed, insurance companies must stay profitable while delivering outstanding customer service. That calls for smart strategies, innovation, and efficient claims handling.

Approving treatments: a complex decision

One of the biggest challenges in health insurance is deciding which treatments to approve. The most expensive option isn’t always the most effective. While one clinic may recommend surgery, another may suggest physical therapy. Clinics are also businesses, and treatment suggestions can sometimes reflect their specialties more than the patient’s needs.

Many insurers tell us they struggle to evaluate whether a suggested treatment is medically motivated. Choosing between costly surgery and lower-risk physical therapy, for example, involves both medical judgment and financial responsibility.

Add to that the volume of incoming treatment requests—each carrying potential financial impact—and the pressure on insurers becomes clear.

Mavera DSS: three ways to support better decisions

Mavera DSS helps insurers make fast, accurate, and well-founded decisions across three key areas:

1. Medical necessity prediction

Mavera DSS integrates with your core system. As new cases arrive, the system processes them automatically. AI analyzes the documentation and recommends whether a case should be reviewed by a medical specialist. This helps prioritize which claims need further investigation and which can be fast-tracked.

2. AI-powered medical overview

Claims handlers receive a detailed summary of the case, a visual timeline of relevant medical events, and structured lists of diagnoses and treatments. This overview helps them understand each case quickly and reduces the risk of missing important details.

3. Assigning to the right specialist

If a specialist opinion is needed, the claims handler selects the appropriate medical field, writes their questions, and assigns the case automatically. Either to in-house specialists or Mavera’s extensive network of medical advisors. All document sharing stays within the platform, and built-in chat enables direct communication while keeping everything traceable.

Performance reports for proactive and data-driven decisions

But reviewing individual cases is only one part of running a sustainable business. Mavera DSS also provides a broader perspective, with detailed reports on caregivers and doctors.

To strengthen quality control, you can build a registry of your caregivers with detailed statistics. Here you can see which caregivers most often have their proposals approved, and identify those who repeatedly recommend treatments without medical evidence.

These insights help you work more data-driven and proactively, so you can follow up on recurring deviations or outliers and ensure that your customers get the right treatment at the right price.

Why it matters:

Quality control: Understanding caregiver trends, supported by solid data, helps insurers ensure customers receive appropriate, effective care. This not only improves outcomes but also builds trust in the insurance provider.

Cost savings: Tracking and analyzing treatment patterns over time helps identify cost-effective caregivers and flag those whose recommendations often result in declines.

Fostering accountability: By monitoring caregiver performance, insurers can identify and address recurring deviations, promoting a more transparent and responsible healthcare ecosystem.

Delivering value across the entire claims process

Mavera DSS supports insurers at every step—from initial treatment requests to data-driven improvements. By combining AI-powered overviews, smart case routing, and secure collaboration tools, it helps reduce costs, improve decision accuracy, and speed up the entire process.

And just as importantly, it enables claims handlers to support customers faster, with greater empathy, during their most difficult moments.

Some insurers report annual savings of up to €1.9M, improved turnaround times, and higher customer satisfaction. That’s the power of combining medical precision with operational efficiency.

The road ahead

For product owners and insurance executives, the path forward is clear. The market is growing—and so is the need for efficient, accurate, and customer-focused claims management.

By embracing modern tools like Mavera DSS, insurers can turn complexity into opportunity. It’s time to combine profitability with care.

Let’s shape the future together

Mavera DSS is built to support your journey—from handling individual claims to gaining a complete overview of your operations.

Want to explore how Mavera DSS can support your growth? Get in touch with us today.