Automating claims for better experiences
Claims automation
100%
full digital claims treatment
50%
reduction in processing time
24/7
claims submission capacity
Turn Challenges Into Lasting Impact
Improve one of your most critical customer touchpoint
Claims are the most critical customer touchpoint, yet they are often slow, manual, and inconsistent. Insurers are facing rising expectations, increasing claim complexity, and pressure to enhance both cost efficiency and compliance. Many insurers are also grappling with the challenge of integrating digital tools into complex, legacy environments that are difficult to scale or standardize. The demand for speed, transparency, and governance is growing every day.
With digital solutions
Realise an accelerated digital claims journey
VClaims is a versatile automation platform that revolutionizes the end-to-end claims process. Designed for life, critical illness, and disability claims, it offers a modular approach that empowers insurers to automate with precision and clarity. VClaims seamlessly combines an intuitive claimant experience with robust decision support — helping insurers deliver faster, more consistent outcomes while reducing operational complexity.
Realise lasting impact
Experience seamless claims processing with exceptional efficiency
Built-In customer portal
VClaims includes a secure, ready-to-use digital portal for claim submission, document upload, and dynamic question flows. It can be branded or embedded, capturing clean, complete data from day one.
Risk rules ready to deploy
The platform features a rich library of pre-configured rules based on SCOR’s global expertise, covering benefit types, claim durations, and triage outcomes. This reduces implementation effort and accelerates deployment, ensuring rapid go-live.
Flexible integration, modular use
VClaims can operate as a standalone solution or integrate seamlessly into your existing ecosystem. Its modular architecture supports both complete front-to-back claims journeys and decision engines. Integration with third-party tools, such as document processing and risk detection platforms, is facilitated through open APIs.
Cloud-native, scalable, and secure
VClaims can be hosted in a secure cloud environment or deployed within your infrastructure, ensuring continuous enhancements and adherence to global deployment standards. Delivered as a SaaS solution in SCOR’s secure cloud or yours, it supports scaling across teams and geographies, with no user caps or volume constraints.
Product Modules
The central hub for intelligent claims management
Enhance your claims efficiency with our comprehensive and flexible suite of components and end-to-end solutions. VClaims provides insurers with optimal customization, seamlessly integrating components to deliver 360° solutions. Our offerings integrate smoothly with your existing systems and workflows, significantly enhancing claims processing.
Rules Engine
The Rules Engine centralizes decision-making, streamlining operations and ensuring consistency. It supports all core Life claim types and allows insurers to configure rules for exclusions, approvals, eligibility, and escalation. The system integrates with external services via APIs for extended functionality.
Questionnaire & Flow System
The out-of-box Questionnaire & Flow system collects information from claimants and stakeholders efficiently. It uses an adaptive question flow that responds to answers, ensuring relevant questions are asked at each stage. The system can be customized to meet the specific needs of each insurer, claim type, and product.
Claims Triage & Risk Flags
The out-of-box Claims Triage & Risk Flags capabilities categorize claims based on risk level and complexity. The solution flags claims needing additional scrutiny for manual review, while processing straightforward claims automatically. Predefined business rules evaluate each claim's risk profile enabling the right touch, on the right claim at the right time.
Claims Catalogue
The Claims Catalogue drives condition-specific rules for claims, including diagnoses, exclusions, occupations, and risk factors. It is configurable to meet the needs of different insurers, products, geographies, and policies.
Portal
The Portal enables agents, advisers, bank partners, brokers, and direct-to-consumer channels to operate efficiently. It features an intuitive dashboard for creating and monitoring cases, enhanced security with multi-factor authentication and e-signature capabilities, and email reminders with quick evidence upload for smooth processes. The system streamlines operations and expands reach, ensuring it meets the specific needs of each user and use case.
Analytics & Reporting
The Analytics & Reporting of VClaims offers valuable insights into claims processes, identifying trends, bottlenecks, and areas for improvement. By leveraging powerful business intelligence tools, insurers can make data-driven decisions to optimize the claims process and enhance operational efficiency.
Benefits of automated claims processing
Fast, accurate, and stress-free life insurance claims
READY FOR
DIGITAL SOLUTIONS?
We operate worldwide with
dedicated teams that you can reach directly.