n2uitive Knowledge Hub

The Ins and Outs of Digital Claims Processing

Written by Leila Scola | Aug 30, 2024 3:47:45 PM

Many claims processes are still done on paper, or on old systems that aren’t reliable. But to stand out as a great insurer you need to be tapping into analytics, data security, and digital processes. Using modern claims management software, you’re able to harness those three key areas. 

Discover more about how digitalizing your claims process can revolutionize your insurance company.

New Trends In Insurance Claims

As insurance changes and adjusts to continual economic and digital adjustments, new trends appear and disappear. But there are 3 trends that we’ve seen grow and will continue to be of importance.

  1. Advanced analytics: Leveraging data to gain deeper insights into policyholders’ behavior and risks. It’s the key to making your policies more accurate and useful for consumers. It also helps you to stand out from the competition with tailored and personalized marketing, sales, and customer support. It also helps to refine claim fraud detection.
  2. Data security: With more sophisticated hacking tactics and government regulations designed to protect consumers’ data, keeping personal information safe is important. Since insurance companies handle highly sensitive data, you need to ensure that your technology is completely encrypted and meets industry standards.
  3. Digital claims: Streamlining your claims process through digital documentation and centralized systems improves employee efficiency and customer satisfaction. It improves decision-making for adjusters and saves them time as everything is in one place.

Benefits of Digital Transformation in Claims Processing

Making your claims more digital and tapping into the trends mentioned above bring many benefits to your business, these include:

  • Centralize processes
  • Save time
  • Increase accuracy
  • Improve fraud detection
  • Make compliance easier
  • Increase client satisfaction 
  • Save costs
  • Improve employee productivity
  • Increase employee satisfaction
  • Decrease manual errors with automation

Let’s look at how to choose a digital claim solution that incorporates the trends above to help you reach those benefits.

Key Features of Modern Claim Statement Solutions

To unlock the benefits mentioned above, you need reliable claims adjusters software that has some defining features that lead to success.

Firstly, you need to be able to manage key documents in one place. That includes centralizing your recorded statements and securing them next to important claims-related documents. These documents may include a police report, policy documents, and any other information you may require. By having everything in one location you save employees’ time, increase productivity, satisfaction, and lower total costs.

It’s also important to be able to manage data access. So many different team members may need to access the claim information, but not everyone needs the same level of access. By sharing information carefully you increase data security and improve your compliance. Yet you’re also simplifying document sharing by allowing responsible access. 

Finally, enabling easy yet in-depth data analysis refines your understanding of your consumers’ behavior. It also helps you to understand any weaknesses in your process to continually improve for your customers. By analyzing claims data regularly and completely you also improve fraud detection. With clean, accurate data you can also go one step further and train machine learning bots and generative AI to automate and speed up your processes even more.

Overcoming Challenges in Adoption

A common reason to not go for a new software is the difficulty in finding the correct one and beginning to use it. Two objections we often hear are:

  • “I don’t have time to find a new solution”: A lack of time is a common concern which is very valid. However, I guarantee that you and your employees are wasting time with manual tasks now. By setting aside some time now you will gain it back with a new system.
  • Why change the way we’ve always done things?”: It can be hard to change, but if your company is struggling with low productivity, difficult systems, manual errors, and wasting time finding documents your current system isn’t working. That means that change will be beneficial.

Switching systems can save you money, and improve customer satisfaction and claim resolution time. 

A Look at a Leading Solution in Action: n2uitive

n2uitive is an innovative solution made to improve recorded statement management. We’ve transformed over 10,000 adjusters’ way of working and capturing data.

We reduce processing times, lower operational costs, and improve customer feedback with our comprehensive, secure, and easy-to-use platform for recorded statement lifecycle management. 

We support you in recording, storing, sharing, and analyzing insurance claim statements.

Case Study:

We began working with one of the top five P&C insurers in North America. They struggled with inefficient processes, difficult onboarding, and a lack of scalability in their current solution.

They chose n2uitive to have an easy-to-use, modern, streamlined system to help their adjuster record and manage statements.

They experienced a 30% increase in productivity, adjusters were able to start using and taking statements within 48 hours of being introduced to our software, and they reduced the total cost of ownership by 50%.

Find out more here.

Improve Claim Efficiency with Digitalization

By switching to modern software, you improve your whole claims process. Managing records centrally, securing data access, and improving analytics all contribute to a faster, smoother claims process leading to more accurate and assertive decisions.

To learn more about how n2uitive can help you, book a call here.