Insurance solutions

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Claims transformation from IBM

Insurers continue to rely on proprietary applications to support business processes. But these applications are now outdated, inflexible and inefficient. IBM offers a flexible, on demand domain to improve operational efficiencies while transforming technology to reach new levels of effectiveness in claims processing.

Fast path claims from IBM

How can you reduce your paid losses while improving customer satisfaction? Instead of a one-size-fits-all claim processing system, IBM can help you segment your low- or no-touch claims. Reduce your cycle time from filing to settlement. Pay the right amount on time. Improve the customer experience.

IBM Insurance Application Architecture

More competition. Higher risk. Slimmer profit margins. Migrate to a customer-centric management structure, streamline processes and improve flexibility. Our approach can help you leverage the most effective parts of your insurance business and rearrange them into a more efficient, cost-effective and customer-oriented model.

Insurance operations of the future solution from IBM

Enable the transformation of insurance operations by leveraging service oriented architecture. Establish process automation to the work task level, and optimize the assignment of manual work tasks in areas such as claims, application processing and policy servicing. Reduce costs while improving agility.

Mobile insurance claims from IBM

Modernize and transform your claims organization। Improve claim processes. Shrink cycle times. Reduce leakage. IBM can design, build or deploy a scalable, security-rich mobile infrastructure that can extend your enterprise and improve claim processes.

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Claims servicing solution for the insurance industry

Optimizing processes to increase efficiencies

Finding ways to improve claims servicing is vitally important for insurance companies. Claims are often a source of high operational costs for insurers and a point of direct interaction with customers. In fact, insurance companies have learned that a customer's likelihood of remaining with a carrier largely depends on his or her last claims experience.

That being said, insurance companies often struggle with a nontransparent, disconnected claims process. They often have cumbersome systems that make it difficult to keep customers informed of the status of their claims, difficult to notify them of when to expect the adjuster, and difficult to explain the company's reasoning for the payment amount. Customers are not the only people frustrated with the claims process. Often, lack of collaboration means the claims servicing workflow is inefficient and requires a lot of manual data entry.

Insurance companies need a flexible workflow that optimizes their processes and allows all involved parties to support the steps necessary for the claim.

Small efforts-such as integrating the claims agent and body shop calendars or securing file transfer between a claims adjuster and a law firm-can pay enormous dividends in improved customer satisfaction and claims efficiency.

Vision/Outcome	Claims servicing that is as efficient for the carrier as it is positive for the customer.
Benefits	Improve the claims workflow by optimizing existing processes and providing access to all the information necessary to service the claim.
Differentiator	Improve collaboration and communication across all of the people involved in the claims process for faster, more accurate, and more efficient claims servicing, from first notice of loss to settlement.

Microsoft Solution Attributes

• Efficiency: Insurance companies can achieve greater efficiency throughout the claims process with Microsoft Office SharePoint Server 2007 (MOSS), Office Communications Server, Office Business Applications, and BizTalk Server. MOSS can help insurance employees access and collaborate around all necessary claims information, while also improving and speeding workflow. Office Communications Server can help claims adjusters and case managers better manage real-time communication for more efficient claims servicing and better customer experiences. Microsoft Office Business Applications offer the ability to access business applications and processes through the familiar Office user interface, which requires minimal training and enables broad adoption. BizTalk Server helps insurance companies efficiently and effectively integrate systems, employees, and third-party claims processing participants through a framework for automating and orchestrating manageable business processes, transactions, and interactions.

• Workflow Improvement: Solutions from Microsoft and its partners can help insurance companies improve their claims workflow within existing processes. MOSS helps with content management and business processes. BizTalk Server can be used to manage more complicated workflow requirements. Insurance agencies also benefit from Microsoft SQL Server for transaction processing. By using SQL Server for data management, insurance organizations can manage information reliably within the claims workflow without requiring employees to adjust their existing process.

• Collaboration: Microsoft's vision is that every insurance worker should have direct access to contextual, unified communications and collaboration capabilities, making it easy to find and share information, communicate with the right people at the right time, and take full advantage of the power of mobile devices, the Internet, and the Microsoft Office 2007 system। By implementing solutions built on Microsoft Unified Communications and MOSS, insurance organizations can help agents and carriers communicate and collaborate productively with all parties involved in claims servicing-from the mobile van and adjuster to the body shop, agent, and customer-using secure collaboration portals based on MOSS or Microsoft Silverlight. Silverlight provides the ability to develop Web 2.0 portals across a wide range of systems, devices, and platforms. With Windows Mobile, insurance companies can provide all parties in the claims process with rich enterprise computing using mobile devices and smartphones.

• Microsoft
  

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Public Entity Risk Services of Iowa

Public Entity Risk Services (PERS) of Iowa specializes in providing risk management and safety consulting services to members of the ICAP pool. PERS of Iowa is under contract to the pool administrator, American Risk Pooling Consultants, Inc. (ARPCO), of Southfield, Michigan. With extensive experience and expertise in the public sector, our consultants currently help nearly 600 Iowa public entities to minimize loss and lower costs through effective risk and claims management.

Loss Control & Risk Management Members of the loss control staff are well versed in the full range of governmental risk exposures, specializing in liability risk reduction and post-litigation damage control. The PERS staff is also trained in the recognition and management of employee safety hazards. Although the ICAP Pool provides property and casualty coverages, loss control staff members are able to assist pool members with related safety issues.

The PERS of Iowa staff takes a hands-on, personalized approach to loss control. Ron Williams, Loss Control Specialist makes annual on-site visits with pool members, which include one-on-one meetings with administrators, managers and department heads, as well as inspects member facilities and reviews procedural guidelines. Norma Halling, Director of Services primarily coordinates educational and training seminars for ICAP members and agents.. She also makes annual visits to many of our members to evaluate current policies, codes and ordinances. Linda Taylor completes the Risk Management staff as the Loss Control Coordinator. She maintains member records and evaluations, schedules any loss control activities for the staff, assists members with compliance of the recommendations which are made after on-site visits, and manages other various responsibilities in the department.

Claims Management PERS of Iowa Claims Management Services began in October of 1997. Our employees commit to excellent customer service while providing fair claim evaluations. We are available for on-site investigations and customer consultations.

PERS services the entire state of Iowa with close attention to individual member needs. We strive for flexibility in working with our members as we handle many delicate claims issues. We continue to enhance our claims education through training seminars.

PERS Claim staff leads the way with an aggressive litigation management program. We use our members' input and involvement during every phase of the claims investigation process: discovery, mediation and trial. Frank Miller heads the team as Claims Manager, processing more complex claims and helping members resolve difficult issues. Vickie Stewart, Brenda Snyder and Marjie Akers are Claims Representatives, handling property damage and bodily injury liability losses as well as member property and auto physical damage (APD) claims investigation. Angela Glidewell, Administrative Assistant builds new files, assists claimants with questions regarding their losses and maintains all claims records.

We are committed to providing you the solutions you've been searching for, and the service you deserve।