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Bijection for Insurance

Claims that resume themselves. Not when someone remembers.

A claim spends most of its life waiting. Make the waiting a durable process.

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A claim spends most of its life waiting: for a loss adjuster’s report, a medical record, a signed release. Handlers keep diary notes to remember to check, and a claim moves when someone remembers it.

In Bijection a claim is a durable process. It waits for the document it needs and resumes when the document arrives. Policy, reserves, payments and correspondence sit in one claim file, and payments above a handler’s authority wait for a second approver.

  • First notice of loss

    Starts: A claim is reported

    1. Check cover on the policy at the date of loss.
    2. Open the claim file with the policy and documents attached.
    3. Request the reports the claim needs.

  • Waiting on reports

    Starts: An adjuster’s report is requested

    1. The claim waits, without a diary note.
    2. When the report arrives, the claim resumes.
    3. The handler is asked to update the reserve.

  • Settlement

    Starts: A handler proposes an offer

    1. Show the effect on the reserve.
    2. Offers above the handler’s authority wait for approval.
    3. The release goes out for signature through DocuSign.

  • Fraud referral

    Starts: A claim matches a fraud indicator

    1. Hold payments on the claim.
    2. Refer it to investigations with the evidence attached.
    3. Payments resume only when the referral is closed.

  • Recoveries

    Starts: Another party is found liable

    1. Open a recovery against the third party’s insurer.
    2. Wait for their response.
    3. Record the recovered amount against the claim.

  • Policy renewals

    Starts: 60 days before a policy renews

    1. Gather the policy’s claims history.
    2. The underwriter proposes terms.
    3. Terms above their authority wait for approval.