Subrogation Experts


missed recovery opportunities identified through complex
AI / ML model


Achievement of Recovery Targets


Digital Tools and Technologies


of recovery amount collected annually

We are live

with this offering in APAC, UK, and NA geographies

with this offering in APAC, UK,
and NA geographies

Comprehensive Spectrum of Subrogation Services

From case identification to intelligent investigation and successful recovery, we offer customized engagement with guaranteed outcomes.

Our consulting team is a diverse force of subrogation experts across geographies. We accurately identify potential and missed recovery opportunities by integrating AI, analytics, and a robust technology stack. With our customized engagement framework, we commit to guaranteed recovery rate outcomes.

WNS Subrogation as-a-service model

A comprehensive solution for optimizing Subrogation performance and delivering enhanced business value

Subrogation Expertise
  • E2E subrogation management through team of experts
  • Right-shored model for cost and efficiency
  • Effective training and performance management mechanism
Integrated AI & Analytics
  • Missed opportunity identification on open and closed claims
  • Third-party (TP) insurer profiling
  • Arbitration & Litigation Propensity Modelling
Technology Stack
  • Automated workflow
  • Incoming subrogation module for optimized TP spend management
  • Extensive experience with leading platforms such as E-Subro Hub, Guidewire, Arbitration Forum etc.
Enabling Smart Data Insights
  • Customized reports in alignment with business requirements
  • Single soure of truth to enable NLP-based solutions
Powered by: Underpinned by innovative commercial models (e.g. No win, no fee!) and Robust account governance

WNS’ Proprietary Analytical Tool

WNS’ subrogation analytical tool is a one-of-a-kind product that uses AI / ML models to identify missed recovery opportunities for both open and closed claims. These claims are then driven by a team of trained recovery specialists to maximize recoveries optimally.

The tool enables:

Identification of missed recovery opportunity on open and closed claims:

Deploying ensemble models using ML on structured data (policy details, vehicle details, damage severity) and NLP on unstructured data (handler notes and loss cause details) to generate a prioritized list of potential recovery opportunities

Recovery propensity modelling:

Leveraging AI / ML driven predictive models to determine the propensity to recover both from Third Party (TP) Insurers as well as from direct third parties (uninsured) within stipulated timeframes (for example: 80% of outlay recovered from Third Party Insurer within 30 days)

TP Insurer profiling:

Understanding behavioral trends combined with TP demand analysis to identify potential avenues of negotiation/leakage reduction

One Partner Model for End-to-End Subrogation Services

Providing one point of contact to orchestrate excellence with an ecosystem of partners and platforms (experience of working on platforms like Guidewire, E-SubroHub, Arbitration Forum, etc.), across service lines, driving efficient and comprehensive management of the subrogation cycle

Service lines include:


Product Lines include:

Medical Pay /
Personal Injury

The WNS Advantage

  • With decades of subrogation experience and 600+ domain experts, we understand what insurance players look for in subrogation performance
  • We deliver exceptional outcomes through improvement in recovery rate, reduction in days to recovery and reduction in cases going into litigation, to name a few
  • Through our mature Subrogation (CoE), we offer skin-in-the game, flexible and outcome based engagement models that work on the principle of ‘risk transference’ enabling a more stronger and enduring partnership