IMPROVED CLAIM HANDLING

• Main Author: VERSTRAETE, Hans
• Format: Patent
• Language: English; French; German
• Published: 22.01.2020
• Subjects: CALCULATING; COMPUTING; COUNTING; DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES; PHYSICS; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR

The current invention relates to a computer-implemented method for generating an assessment of an insurance claim provided to an insurer by a policyholder. The method comprising the steps (a)-(j), including the steps of: (a) providing a server comprising a database, a processor, tangible non-volatile memory and program code present on said memory for instructing said processor, said database comprising policy information with respect to at least one policy held by said policyholder, said policy information characterizing a coverage of said at least one policy in terms of a plurality of insurance variables comprised in said policy information, said plurality of insurance variables preferably relating to a decision tree comprised in said policy information; (b) providing a policyholder device comprising a processor, a means for user input and a screen; (c) receiving a claim description describing said insurance claim from the policyholder via said means for user input of said policyholder device; said claim description comprising a text string and optionally one or more claim specification values. Step (j) concerns generating said assessment of said insurance claim based on a value list, said assessment comprising at least an indication of whether said insurance claim is covered by said at least one policy.