Generali EYST Qorus-NTT DATA Innovation in Insurance Awards 2026

In a context where compensation is still mainly paid by bank transfer — involving an unavoidable delay of at least 48 hours before the insured can access their funds — the Generali-EYST partnership introduces a major breakthrough: a virtual card, generated instantly, sent to the customer via a simple SMS link, and immediately usable through Apple Pay and Google Pay to cover expenses related to the claim.

Based on SaaS technology, the card is linked to a dedicated account funded by the insurer, which radically transforms the claims process: the insured no longer needs to advance the costs incurred for repairs.

The service also innovates by integrating a cashback mechanism, allowing policyholders to increase their purchasing power with partner retailers. Initially deployed for water and electrical damage claims on an over-the-counter basis, this card is intended to be gradually extended to all MRH coverages, marking a profound and lasting evolution in the claims settlement model.

EYST redefines the role of the insurer: from a simple issuer of transfers, Generali becomes an involved player, offering a payment method under its own brand, creating new points of contact and enabling satisfaction to be measured from the very first use. The customer experience thus shifts from a logic of waiting to one centred on usage. 

Launched at the end of 2025 at Generali, the PoC deployed for water and electrical damage claims on an over-the-counter basis is based on a resolutely innovative solution, enhanced by major technical advances in 2025-2026: smart notifications, Generali-branded card, cashback system with partner retailers, one-click addition to the digital wallet, automated residual transfers, dedicated assistance and full integration with Edenred/Mastercard.

With the Generali EYST partnership, compensation is entering a new era: no more waiting, no more cash advances, no more uncertainty. The insured benefits from immediate, concrete and reassuring support — an experience that fully reflects the promise of modern, seamless and usage-based insurance.