A chatbot designed to provide advice on health and long-term care insurance, preventive care, and digital health applications won’t get very far with predefined response paths—the range of topics covered by a major health insurance provider is simply too broad for that. This is exactly where BARMER, in collaboration with Experience One, stepped in: with an AI chatbot based on an agent-based architecture that makes the health insurance provider’s entire body of health knowledge accessible—directly on barmer.de, around the clock, for 8 million policyholders and interested individuals.
From Intent Logic to Agent-Based Decision-Making
Originally, an intent-based chatbot with manually maintained response paths was planned. This model was not viable given the scope of BARMER’s knowledge base. The solution: A large language model classifies user inquiries and forwards them to the appropriate agent within the context of the conversation—while adhering to the guardrails required by a regulated sector such as health insurance.
Just a few days after the launch, several thousand conversations were taking place via the chatbot; today, there are over 1,000 per day. Just as important as the launch itself: BARMER now has the technical platform and in-house expertise to continue developing its AI-based services on its own.
Experience One is a founder-led company for digital transformation and innovation. Since 2006, 100 experience engineers have been designing cutting-edge digital solutions for brands and companies such as Mercedes-Benz, BARMER, Bosch, Zeiss, Siemens, or Finanz Informatik from the Sparkassen-Finanzgruppe. The mission: Empower innovators, unleash AI, and give Germany the edge it needs to lead — not follow. Experience One has offices in Stuttgart, Berlin, and Frankfurt.
Experience One AG
Zossener Straße 57
10961 Berlin
Germany
Phone: +49 30 328 984 700
Hello BerlinExperience One AG
Seidenstraße 19
70174 Stuttgart
Germany
Phone: +49 711 25 35 99 60
Hello StuttgartFutury GmbH c/o Experience One AG
Am Steinernen Stock 1
60320 Frankfurt
Germany
Phone: +49 711 25 35 99 60
Hello Frankfurt