Use Case · Insurance Claims

Every claim triaged and routed before your handler opens their inbox.

InboxIQ unifies claims from email, portal, and phone notes — scores urgency and fraud indicators — and routes each claim to the right handler with a traceable rationale attached.

FCA-compliant decision trail Fraud indicator scoring No change to your claims systems
The Problem

Claims operations break at the inbox

Fragmented intake channels

Claims arrive by email, web portal, phone note, and CRM task — each needing manual reading before anyone knows the claim type or severity.

High-risk claims identified too late

Fraud indicators and large-loss signals are buried in email text. By the time they surface, payout exposure has already increased.

Auditors demand rationale you don't have

FCA and Solvency II require a traceable decision trail for every escalation. Forwarded emails and spreadsheet notes don't satisfy this.

How It Works

From first notice of loss to routed, logged decision

1

Unified claims intake

InboxIQ connects to your shared claims inbox. All inbound claim communications — email, form-to-email, forwarded voicemail summaries — flow into one triage layer.

2

Risk and urgency scoring

AI reads claim context, flags fraud indicators and severity signals, and assigns a priority score. High-risk claims are escalated immediately — without a handler reading every email.

3

Audit-ready routing log

Every routing decision is stored with a timestamped rationale — which rule fired, which signals triggered escalation, which handler was assigned. Exportable for FCA and Solvency II reviews.

Outcomes

What claims teams report after 30 days

65%

Faster first response on P1 claims

High-severity claims are routed immediately, not discovered during morning queue review.

40%

Reduction in manual triage hours

Handlers spend time on investigation and settlement, not inbox reading.

100%

Decisions with audit rationale

Every escalation and routing decision is logged and exportable — no more reconstructing trails for auditors.

Regulatory compliance

  • FCA complaints handling alignment

    Timestamped intake and routing records support FCA DISP requirements for complaint handling timelines and audit evidence.

  • Solvency II audit trail

    Decision rationale logs satisfy Solvency II Article 46 internal control requirements for operational risk documentation.

  • Fraud flag documentation

    Fraud indicator signals are logged with the claim record, providing documented justification for SIU referrals.

Data security

  • BYOL — claimant data stays in your boundary

    Use your own OpenAI or Azure OpenAI key. Claim text goes directly to your AI provider — InboxIQ never stores email content.

  • Role-scoped access

    Only the assigned handler sees a given claim — not the entire team inbox. Access logs record every view.

  • TLS 1.3 + AES-256 at rest

    All metadata encrypted in transit and at rest. SOC 2 Type I in progress.

Related solutions

How InboxIQ handles it

Route the right claims to the right handler — automatically.

Start free — no credit card required. Connect your claims inbox in under 10 minutes.