Integrated system for insurance claim management
First Claim
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1. An insurance claims management system comprising:
- a hub server communicatively linking a secure server to a plurality of authorized users and an insurer;
a plurality of databases maintained by the secure server;
at least one of a class of authorized users or an insurance claims file contained in each database;
wherein the insurer associates and refers one or more of the authorized users to one or more of the claims files in the secured server;
wherein the association and referral of the authorized user is through the hub server; and
wherein the insurer and the authorized users have simultaneous and real time access to the claims file.
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Abstract
A system and method for on-line collaboration and advanced management of insurance claims with the direct sharing of claim data and information in real time. Information and data is shared between insurers and service providers and any other parties deemed necessary for enhanced resolution of the claim.
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Citations
19 Claims
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1. An insurance claims management system comprising:
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a hub server communicatively linking a secure server to a plurality of authorized users and an insurer;
a plurality of databases maintained by the secure server;
at least one of a class of authorized users or an insurance claims file contained in each database;
wherein the insurer associates and refers one or more of the authorized users to one or more of the claims files in the secured server;
wherein the association and referral of the authorized user is through the hub server; and
wherein the insurer and the authorized users have simultaneous and real time access to the claims file. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. An insurance claims management system comprising:
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a hub server communicatively linking the secure server to a plurality of authorized parties, the hub server processing a client request;
a secure server containing a plurality of databases;
each of said plurality of databases contained within the secure server is a database of a class of users, or a database of claims data specific to an insurer participant;
each claim having associated authorized parties; and
a distributive network linking the secure server to a plurality of insurers and to a plurality of service providers as authorized parties and to a plurality of third-party suppliers of decision support services. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16, 17, 19)
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18. A method of managing insurance claims, the method comprising the steps of:
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filing an on-line first report of injury to an insurer;
converting the first report of injury to a claim stored within a secure server;
identifying and authorizing a set of relevant parties; and
sharing claim data automatically and in real time between the set of relevant parties.
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Specification