Settle simple claims straight through, and send adjusters a complete file for the rest

Claims management is the process an insurer follows to handle a claim, from the first notice of loss to the final payment. It covers receiving the claim, checking the policy and coverage, collecting and reviewing supporting documents, assessing the loss, detecting potential fraud, and settling the claim with the policyholder. Document review is often the slowest step, because claims arrive with many attachments in different formats. Mindee automatically classifies these documents and extracts their data, so claims handlers spend their time on decisions rather than data entry.

It depends on the type of claim, but most include a claim form, the policyholder’s ID and policy number, and proof of the loss. This can be invoices or receipts for damaged or stolen items, repair estimates, a police report for theft or accidents, medical bills for health and travel claims, and photos of the damage. Policyholders often send everything at once, by email or through an app, as PDFs, scans or phone photos. Mindee recognizes each document type, even when several are combined in one file, extracts the key data (amounts, dates, providers, items), and builds a structured claim file that is ready to review.

Simple claims can be settled in a few days, while complex ones can take weeks or months, depending on the type of loss, the need for an expert assessment and how complete the file is. Many jurisdictions also set deadlines for insurers to acknowledge, investigate and respond to claims. A large share of the delay comes from collecting missing documents and re-entering their data. With Mindee, documents are processed as soon as they are submitted, incomplete files are flagged immediately so the policyholder can be asked for the missing items right away, and simple, low-value claims can be settled automatically.

Mindee is not a forensic fraud detection tool, but structured data makes many checks easy to automate. You can detect the same invoice or receipt submitted in several claims, flag purchase dates before the policy start date or after the reported incident, check that the policyholder’s name matches the documents, and spot amounts that don’t add up, such as totals that don’t match their line items. Claims that pass these checks move quickly, and suspicious ones are sent to your fraud team with the inconsistent fields highlighted. This protects your loss ratio without slowing down honest policyholders.