Claims Management

At HIBRiD, we handle and adjust claims with speed, accuracy, and fairness, ensuring that valid claims are processed efficiently, and payments are made without unnecessary delays.

Our AI-driven workflows streamline the entire claims lifecycle, from notification and assessment to resolution and payment, providing a seamless experience for all stakeholders.

For our partners, we provide an AI-powered, highly automated workflow that eliminates manual inefficiencies, accelerates resolution times, and ensures full compliance with industry standards.

Our digital reporting tools offer complete oversight, improving decision-making and reducing administrative burden.

For the claimant, our process removes unnecessary delays, offering a fast, clear, and frictionless experience. With real-time updates and open communication, claimants have full visibility of their claim status at every stage — reducing uncertainty and increasing confidence in the process.

AI-Driven Automation

Eliminating bottlenecks and significantly reducing turnaround times.

Real-Time Updates

Track every step via our secure digital platform.

Customised Workflows

Tailored claims processes for MGAs, brokers, and insurers.

Frictionless Claimant Experience

Reducing paperwork and delays.

Seamless Partner Integration

Connected with remote surveyors, legal experts, salvage companies, etc.

Instant Payment

Fast and secure settlements through integrated payment solutions, reducing delays.

How it works

Step 1. Digital Claims Submission

Policyholders submit claims via a fully digital platform eliminating paper and reducing initial emissions.

Step 2. AI Driven Assessment

Advanced AI analyses claims for eligibility. Automation accelerates processing, minimising server energy use and emissions.

Step 3. Claims Finalisation

Approved claims are paid through real-time digital payment systems. Automated workflows ensure fast resolution, reducing the time and energy traditionally required.

Step 4. Emissions 
Calculation

Once a claim is finalised, the system calculates the total emissions generated during processing. AI compares the emissions from the HIBRiD process to a traditional claims workflow, highlighting carbon savings.

Step 5. Claimant Notification

Claimants receive a personalised report detailing: The total emissions generated for their claim. Carbon savings compared to a traditional claims process. The offset value of emissions generated by the HIBRiD process.

Subrogation

HIBRiD provides a technology-driven alternative to traditional subrogation, ensuring that every recovery opportunity is identified and pursued efficiently. Whether or not we have handled your claim, our advanced automation and expert oversight ensure no opportunity is overlooked, maximising recoveries for insurers, MGAs, and self-insured businesses.

We provide data-driven insights and automated case tracking, ensuring recoveries are pursued effectively and resolved in the shortest possible time. With our digital-first approach, we remove the inefficiencies of traditional subrogation, making the process faster, more accurate, and highly transparent.

For the claimant, our streamlined approach ensures the right parties are held accountable, reducing unnecessary disputes and delivering fair outcomes.

  • Automated case identification – ensures no recovery opportunity is missed, no matter how small.
  • Faster Recoveries – reducing financial impact for insurers and MGAs.
  • Real-time Tracking – giving full visibility into recovery progress.
  • Seamless integration with claims handling –ensuring an end-to-end digital experience.

 

Transparency & Reporting

Enhance Visibility with Our Reporting Solutions.

HIBRiD provides comprehensive, real-time reporting that gives insurers, MGAs, and brokers full visibility into their claims portfolios. Our custom dashboards and data-driven insights ensure complete oversight, regulatory compliance, and better decision-making at every stage of the claims process.

  • Custom Dashboards – Tailored reporting for Insurers, MGAs and brokers.
  • Market Driven Data – Ensures compliance with industry standards.
  • Continual Monitoring – Comprehensive updates for better claims oversight.
  • Automated Bordereaux Reporting – Seamless regulatory and operational compliance.