How is facial recognition used for identity verification in insurance claims?

Facial recognition is used for identity verification in insurance claims to ensure the person filing the claim is the legitimate policyholder or beneficiary. It works by comparing a live or uploaded photo/video of the claimant's face with a stored reference image (e.g., from the policy application, government ID, or previous claims).

How it works:

1. Capture: The claimant provides a selfie or video via a mobile app or website.
2. Matching: The system uses AI algorithms to analyze facial features (e.g., distance between eyes, jawline shape) and matches them against the stored image.
3. Verification: If the similarity score exceeds a threshold, the identity is confirmed, speeding up the claims process.

Example:
A car insurance customer files a claim for damages. During the claim submission, they take a selfie, which is instantly verified against their ID photo on file. If matched, the claim proceeds without manual ID checks, reducing fraud and processing time.

In the insurance industry, solutions like Tencent Cloud’s Facial Recognition API can integrate this technology, offering liveness detection (to prevent spoofing with photos/videos) and high accuracy for secure identity checks. This is especially useful for remote claims handling, where in-person verification isn’t feasible.