No one is going to accept a claim rejection from AI. Everyone will want to dispute, which will have to go to a human to review. At the end of the day I don’t see how 100 people is realistic.
This reaction is primarily an emotional one. Why is a human rejecting a claim better than an AI rejecting a claim? Presumably the AI will one day -- if not today -- be more accurate in following decisioning logic than humans, who will continue to make human errors.
The AI won't reject a claim because that's easier than doing the paperwork to approve the claim and it's 4:30 on a Friday.
It also won't approve it because despite not putting the "magic words" on the form it's clear from the situation that you'll get approved regardless and it's a waste of the company's labor to have you file an appeal that they then have to review.
If that were true then they would also dispute every first-line human review. I don't think the average first-line human customer service rep is any better than AI even today.