Income protection claims in one file
The agents do the paperwork. The people do the contact.
The work sits between the claimant, the doctor and the employer
Inside the insurer the process runs. The work sits in what arrives before, between and after, by email and attachment.
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Medical evidence is slow
Assessments wait for a GP report or an occupational health opinion. Every week of waiting is a week of benefit and a week further from return to work.
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The assessor is stuck in documents
Fit notes, payslips and reports arrive by email. Retyping, linking to the right claim, chasing what is missing.
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Return to work waits for a report
The vocational rehabilitation specialist, the occupational health provider and the employer each work in their own environment. The report hangs on the wrong email thread and the review slips.
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Consumer Duty raises the bar
Good outcomes have to be shown, not assumed. A claimant who hears nothing for days, or gets a decision without a clear next step, is a complaint waiting to happen.
From fifteen lines to one hub
Six parties in an income protection file, and every party can talk to every other: 15 lines. Today almost all of that traffic is bilateral, by email, letter and phone.
Claimant · claims assessor · GP · occupational health · vocational rehabilitation · employer or adviser
Without a self-service portal and an orchestration layer underneath, AI at scale in income protection 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 assessor truly get control and the time to focus on the claimant.
Connect once, work with everyone
Whoever connects to Claim360 works with everyone who is connected. Insurers, advisers, doctors and rehabilitation partners in the same file.
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Connect once
Every party connects to Claim360 once and from that moment works with every insurer running Claim360. No separate portals, no bilateral integrations.
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A workplace for advisers and rehabilitation
Advisers, rehabilitation specialists and occupational health providers get a complete workplace: files, tasks, deadlines, messages and documents. Medical only for those with the rights.
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Control over your partners and the chain
You see per partner what is running: cycle time, open deadlines, chasers and the benefit per file. Access per role, every action logged, revocable at once.
Click through Megan's journey
Self-service is not a form on a website. It is a file that explains itself, from sickness notification to return to work. Click a step.
- Self-service Megan does it herself, when it suits her. No queue.
- Trust Every step shows what is happening and what comes next.
- High data quality Fields instead of attachments, everything checked on arrival.
- Knowing where you stand Percentage, benefit and next step, without calling.
- Control of the chain Adviser, doctor and rehabilitation specialist in the same file, each with their own rights.
Notifying without a policy number, in nine steps
Tuesday morning, a quarter of an hour, in fields. What Megan enters is read and checked in the background. Nothing has to be retyped later.
Knowing at once what her policy covers
Policy and deferred period alongside. The claim matches her cover and she sees from when the benefit can start.
Her own words become facts
Cause, complaint and what she can still do come out of her story. If something does not add up, she gets one targeted question.
Fit note and accounts read and checked
No medical file at the front door, but enough to route properly. Every document checked for authenticity. Recovery expected: the short route.
A file, an assessor and a date
Claim number, Sarah as named assessor and the counter to the first payment. Everything is in the core system on day one.
Her file, with the chain in it
Percentage, benefit and next step on one screen. Her adviser and the rehabilitation specialist work in the same file.
Reporting recovery, straight to Sarah
Megan reports that she is partly back at work. The benefit is adjusted and Sarah sees it at the same moment.
Recovered, final payment, file closed
The return to work is confirmed in the portal. The final payment goes to the core system without retyping.
Three layers, one income protection file
Your core system stays. Claim360 connects the chain and lets deadlines, tasks and benefits run by themselves; the portal brings the data in properly; and only then does AI work.
The build
AI
- the user's permissions
- every question logged
Your model, a partner's or our Claimassistent, through Claim360 as the gateway. Reads, checks and prepares; a human always decides on the benefit.
Self-service portal
- fields instead of attachments
- per role
Azori, in your brand. Claimant, adviser, doctor, rehabilitation specialist and assessor in the same file; everyone sees what their role needs. Runs on Claim360.
Claim360: orchestration and workflow automation
- deadlines, tasks, benefits
- roles and permissions
- direct API per chain partner
- writing back to the core
This is where the intelligence sits. Deadlines, tasks, documents and benefits run by themselves; roles, permissions and triggers across the core system; what has to go back, goes back to the core.
Your core system
Keylane Axon, Novulo, CCS, UBench, Guidewire and Anva or another: it stays. Claim360 connects to it and writes back. See the integrations
Start small and at the base: self-service first
One portal for short absence, next to what you have. Then the chain, then AI. First pilot live in 8 to 12 weeks.
- Step 1
notification and portal
Start with a pilot
The claimant notifies in fields and follows the file. Only new short absence, one stream, running within weeks. Baseline alongside.
- Step 2
adviser, doctor and rehabilitation
Add the chain
The same parties in the same file, permissions per role, medical only for those who may. You can stop at any time, the data stays yours.
- Step 3
basics in order
AI and beyond
Summary, triage and draft reply through the MCP gateway, with your own models. A human always decides on the benefit.
The core
We automate the paperwork around the file, so your assessors keep time for the claimant. AI on a file it can read, independent of your system.