Folksam was the first insurer in Sweden to integrate Upptec for automated claims submission on their website. Learn more about the partnership and what we are building together next.
Folksam is one of Sweden’s largest insurance companies, serving around four million customers. Their goal is clear: a simpler, faster, more profitable and customer-oriented Folksam. Getting there requires claims handling that is both efficient and fair.
The collaboration between Folksam and Upptec began in 2013. Just two years later, Folksam became the first insurer in Sweden to integrate Upptec for automated claims submission on their website. At the time, most insurers handled content claims manually across separate systems, which was slow for customers and time-consuming for claims handlers. Folksam chose a different path. That decision has shaped the partnership ever since.
Taking automation to the next level
In 2024, Folksam implemented Upptec’s full platform with a clear goal: digitize the whole claims process and raise the level of automation. The ambition was an automated flow from claims submission all the way to settlement decision.
The results speak for themselves.
+153%
more automated items in Q1 2026 compared to Q1 2024
+75%
increase in total usage of Upptec in 2025 compared to 2024
98%
automation rate for mobile phones
42.77%
total automation rate in Q1 2026, up from 32.77% in Q1 2024
Behind these numbers are automated valuations, structured digital workflows, guided customer flows for document collection and straight-through processing. A higher automation rate means more customers get faster decisions, while claims handlers can focus their time on complex cases where their customers need them the most.
Upptec’s platform is built on more than one billion data points from real content claims and over 20 years of claims handling experience. That combination of data, AI and claims expertise gives Folksam the foundation to automate more content claims and run a more efficient claims process.
“It’s clear that Folksam has shifted into a higher gear in recent years, both in automation and in delivering smart, simple and secure solutions to its customers and owners. With a focus on the present as well as a genuinely long-term perspective, Folksam is a natural and strong partner for Upptec,” says Linus Hemby, Customer Success Director at Upptec.
↗ The next step
Jewelry is one of the most manually handled categories in content claims. High values, complex documentation and large variation between items make it hard to automate.
Folksam and Upptec have now signed an agreement to digitize jewelry claims handling together. Dedicated digital flows for jewelry are being built into Upptec’s platform.
This is a direct continuation of the work that has already delivered results in Folksam’s claims handling. The approach stays the same: find the parts of the process that still depend on manual work and replace them with something better.
“Creating simple, connected, fair and digital customer journeys with a strong focus on automation has been crucial to Folksam’s claims settlement since the late 2010s, and Upptec has been an enabler from the start. With this new partnership we deepen the collaboration and enable both development and efficiency across more steps of the customer journey, always with the customer in focus. Together we are now building the future of claims settlement, while strengthening what we deliver to customers here and now!” says Tobias Håkansson, Head of Property, Travel and Income at Folksam.
What this partnership means to us
Every claim is a loyalty moment. For most customers it’s the only real interaction they ever have with their insurer. Folksam wants to be simpler, faster and more customer-oriented. That’s exactly what we automate for. Because the more Folksam can automate, the more human they can be in the moments that count.
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