Income protection claims in one file

From sickness notification to reintegration. Insured, handler, insurance physician and occupational expert work in the same file.
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The chain

From sickness notification to termination, in five steps

What Claim360 does at each step, with functions that already exist.

  • Sickness notification and intake

    The sickness notification for income protection (AOV) arrives in fields instead of attachments. Required and validated, incomplete does not get in.

  • Medical information and assessment

    Medical information only for those who have the permissions. The Claimassistent summarises and flags, the handler assesses the disability.

  • Benefit and payments

    Payslips and annual statements as documents at the right item. Benefits and reserves are written back to the core system.

  • Reintegration and case management

    Deadlines and tasks per role for sickness absence and reintegration. The insured sees status and next step in the self-service portal.

  • Reassessment and termination

    The reassessment runs as a task with a date and an owner. Documents around the WIA are in the file, every step in the audit trail.

The handler decides. The decision on the benefit stays with the handler. Claim360 does the work around it.

How the solution is built

Four layers, one income protection file

Every layer rests on the one below, and together they hand control back to the handler. Bottom to top: your core system stays, Claim360 connects the chain, the portal captures the data properly, the workflow keeps it current, and only then does AI work.

How it is built

AI

  • summary
  • flagging
  • drafts
  • triage

Only once the file is right does AI work. The Claimassistent summarises and flags, with the user's permissions and every question logged. The decision on the benefit stays with the handler.

Workflow automation

  • deadlines
  • tasks
  • documents
  • benefits

Deadlines, tasks, documents and benefits run by themselves, from sickness notification to reassessment. What the system knows, nobody has to watch.

Self-service portal

  • fields instead of attachments
  • only what each role needs
  • one file

Insured, handler, insurance physician and occupational expert work in the same file. Everyone sees only what their role needs.

Claim360, the orchestration layer

  • direct API per chain partner
  • permissions and logging
  • writes back to the core

The layer over your core system that connects the chain. Work fully in Claim360, or hybrid alongside it: the core system stays.

Your core system

Keylane Axon, Novulo, CCS, UBench and Guidewire or another: it stays. Claim360 connects to it and writes back. See the integrations

Without a portal and an orchestration layer, no AI at scale. Only with one file and one truth can AI work on every file, and only then does the handler get the time for the insured.

See our AI solutions

Claim360 as orchestration layer

From fifteen lines to one hub

Six parties in an income protection file. Today almost all communication is bilateral, by email, letter and phone.

Today
15 possible communication lines email, post, phone, loose attachments, reminders, lost versions
With Claim360
6 lines, one truth one file, permissions per role, deadlines monitored, benefits written back to the core system, audit trail

Insured · handler · insurance physician · occupational expert · reintegration agency · medical adviser

Without a self-service portal and an orchestration layer underneath, AI at scale in income protection claims is not possible. Claim360 connects the chain: every chain partner connects through a direct API on Claim360, or Claim360 connects to that party. Only then can AI work on every file, and only then does the handler truly get control and the time to focus on the insured.

How we apply AI

Workflow automation

Eight areas, all on the same file

What the system knows, nobody has to watch.

  • Intake and validation

    Sickness notification in fields, required fields, incomplete does not get in.

  • Deadlines

    Deadline per file set and monitored, escalation when it runs over.

  • Tasks and workload

    Task with the right role, workload per handler and per team.

  • Document flows

    Payslips, annual statements and reports attached to the right item, with version history.

  • Chain connection

    Add a party with permissions per role, access logged, revocable immediately.

  • Benefits and reserves

    Benefit and reserve per file, written back to the core system.

  • Communication

    Messages in the file, status for the insured, no loose email.

  • Management information

    Lead time, reminders and complaints measurable per file.

Measured together: administrative time per file, phone traffic, number of reminders, lead time. A baseline up front, so the conversation afterwards is about figures.

Works with your core system

Claim360 connects to the system that is already there and writes back. The core system stays in the lead.

  • Axon NL · BE

    Vendor: Keylane

    Connects via the Claim360 API

  • Novulo NL · BE

    Vendor: Novulo

    Connects via the Claim360 API

  • CCS NL · BE

    Connects via the Claim360 API

  • UBench NL · BE

    Connects via the Claim360 API

  • Guidewire NL · BE

    Vendor: Guidewire

    Connects via the Claim360 API

Is your system not listed? Claim360 is API-first and also connects to in-house and other core systems.

See all integrations

Frequently asked questions about income protection in Claim360

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Does this replace our income protection system?

No. Claim360 is an orchestration layer that runs on top of existing systems. We connect via API to legacy policy systems, claims administrations and more. No rip-and-replace, no two-year programme.

Who sees medical information?

That is set by the permissions per role. Every party sees only what their role needs, nothing more. Access is logged and revocable immediately.

How does it work with our insurance physician or medical adviser?

Physicians and experts get secure access to exactly the documents they need, without needing access to your core system. No email rounds, no loose uploads. The report lands straight in the right file.

How soon can we start?

First pilot live in 8 to 12 weeks. Full roll-out typically 4 to 9 months, depending on scope and the number of connected chain parties. We use the 80/20 approach: 80% through configuration, 20% through customisation in co-creation.

Demo

Want to see how an income protection file runs?

Schedule a demo or a strategy session with our team. We usually respond within one working day.

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