Claims Management Software
Settle claims faster, from first notice to payout
Handle the whole claim - intake, coverage verification, reserves, approvals, payments and recoveries - on a workbench your team configures, keeping customers informed at every step.
Cut cycle time
Straight-through the simple claims and focus adjusters on the complex ones.
Protect the loss ratio
Reserves, payment controls and fraud flags are built in.
Happier claimants
Automatic status updates and a self-service portal.
A better claims experience, end to end
Give adjusters a clear workspace and customers a transparent process, with controls that protect against leakage and fraud.
What you can do
Cut the time from notice to decision
Intake, coverage verification, reserving and approval run as one connected flow, so a claim keeps moving instead of waiting on email or re-keying. Settlement speed is the single biggest driver of how claimants rate you.
Keep reserves and leakage under control
Authority limits, reserve movements and payment approvals are enforced by the platform rather than by memory. Exposure across the book stays visible in real time, so drift gets caught while it is still small.
Absorb a surge without adding people
Shared queues, automated assignment and templated correspondence take the strain of a weather event or a heavy month. Work routes to whoever has capacity, with the full history attached.
One platform for the entire claims lifecycle
Guided FNOL
Capture first notice of loss from any channel - web, email, phone, broker portal, or API - with guided intake that adapts to the loss type. Validation at the point of entry means claims processing starts from a complete file, not a chase for missing details.
Configurable business rules
Encode coverage checks, eligibility, reserving thresholds, and routing as configurable business rules your team can change without a redeployment. Simple claims pass straight through; complex claims are flagged and escalated to the right adjuster.
Reserves & payments
Set initial reserves, revise them as exposure becomes clearer, and approve payments within defined authority limits. Multi-level approvals and full movement history keep the claims management system aligned with your financial controls and regulatory compliance.
Claims workbench & queue
Prioritise cases in a single queue ordered by SLA, severity, or exposure. Each case opens into a workbench with all claims data in one view - documents, notes, correspondence, and reserve movements - so adjusters decide rather than search.
Recoveries
Track subrogation and salvage as first-class workstreams, from spotting recovery potential at FNOL through to demand and receipt. Recovery income reconciles back to the claim for an accurate net cost picture.
Audit trail
Every action logged - who did what, when, and what changed - across intake, decisions, reserves, and payments. An immutable record for internal QA, regulatory compliance, and dispute defence, with exports for auditors and reinsurers.
Up and running, fast
Notify
Capture the loss from any channel.
Verify & reserve
Confirm cover and set reserves.
Review & settle
Approve payments and close.
Handle a motor claim end to end
A policyholder reports a windscreen claim and expects a fast, transparent process.
Capture FNOL
The claim is logged via the client portal and cover is verified automatically.
Set reserve & review
A reserve is set; the adjuster reviews on the workbench.
Approve & update
Payment is approved within limits and the claimant is emailed at each step.
Illustrative example built on Openkoda's demo products.
Claims Management Software for Your Team
Built for insurers, TPAs and claims teams that want to cut cycle time and leakage. Handlers work from a single queue with coverage, reserves and history already in front of them, while managers keep authority limits and exposure under control.
Questions, answered
Can we configure our own claim types and workflow?
Does it handle recoveries?
Can claimants self-serve?
How are payments controlled?
Can claims come in from any channel?
Does it help protect the loss ratio?
Can it handle medical claims and keep sensitive data secure?
Does it integrate with the systems we already use?
How long does it take to go live?
See Openkoda in your context
Book a live, personalized demo with our product team - tell us your use case and see the platform work with your data. No commitment.