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Smarter claims decisions at speed

Claims moments matter. They shape customer trust and define operational performance. UnderwriteMe’s Claims Engine enables life and health insurers to automate claims assessments, streamline decisioning, and deliver consistent outcomes, without compromising control.

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Two underwriters are looking at a computer screen as they use the decision platform automated claims engine software for underwriting teams
The challenge with claims today
Claims teams are under pressure from all sides:

  • Manual, time-consuming assessments that delay decisions

  • Inconsistent documentation and evidence collection

  • Slow access to third-party medical data

  • Legacy systems with limited automation

  • High caseloads leading to operational strain

  • Rising expectations for faster, more transparent outcomes

A smarter approach to claims decisioning

Claims Engine automates and orchestrates the claims journey, from first notification through to decision, giving insurers a consistent, data-driven foundation for every claim. It combines intelligent rules, reflexive questioning, and integrated evidence collection to reduce friction, improve accuracy, and accelerate outcomes. What Claims Engine delivers:

  • Faster claims processing and turnaround times

  • Consistent, auditable claims decisioning aligned to claims philosophy

  • Reduced manual workload and operational cost

  • Improved customer experience during high-stress moments

  • Greater control over risk, rules, and workflows

Claims Engine Core Capabilities

Intelligent Claims Decisioning

Make faster, more consistent claims decisions supported by configurable automation.

  • Enables claim logment with reflexive questions
  • Helps Claims Assessors with suggested next steps
  • Supports effective claim triage and allocation
Reflexive Questioning & Claim Logment

Capture the right information from the start.

  • Real-time, claim-specific reflexive questioning
  • Flags inconsistencies early to reduce rework
  • Enables customised, comprehensive initial assessments
  • Improves decision quality while reducing delays
Integrated Evidence Collection

Remove bottlenecks caused by missing or slow medical evidence.

  • Automated digital requests for additional evidence
  • Tailored questionnaires sent directly to treating doctors
  • Medical service provider integrations for rapid data collection
  • Faster access to accurate information without manual chasing
Analytics & Governance

Turn claims data into actionable insight.

  • Track performance, turnaround times, and outcomes
  • Improve governance and oversight
  • Identify trends and emerging claims risks
  • Continuously refine rules and processes

Celent 2026 Claims Administration Systems Report

Celent has recognised UnderwriteMe Claims Engine as a Technology Standout in their 2026 Claims Administration Systems Report: Global Life Insurance Edition. Read more here

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