Multiple policy claims processing
1 Assignment
0 Petitions
Accused Products
Abstract
Methods and systems are provided for processing claims. A claim management case is created for an insured in response to a notice of a claim. One or more insurance policies covering the insured are associated with the claim management case. In some embodiments, all of the insurance policies covering the insured are associated with the claim management case. At least one process relating to the claim management case is performed at a claim management case level. The process performed at the claim management case level applies to at least one of the insurance policies associated with the claim management case. The processes performed at the claim management case level may apply to all the insurance policies associated with the claim management case. One or more processes relating to the claim management case are performed at a policy level.
110 Citations
62 Claims
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1-21. -21. (canceled)
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22. A method of processing insurance claims relating to the life or health of an insured, comprising:
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receiving at least one notice of an event or a condition that gives rise to a claim for payment under a first insurance policy covering the insured; creating a claim management case for the insured in response to the at least one notice; associating one or more insurance policies covering the insured with the claim management case; performing at least one process relating to the claim management case at a claim management case level, wherein the at least one process performed at the claim management case level applies to at least two of the insurance policies associated with the claim management case; performing at least one process relating to the claim management case at a policy level, wherein the at least one process performed at the policy level applies to only one of the insurance policies with the claim management case; and adjudicating claims under the one or more of the insurance policies covering the insured. - View Dependent Claims (23, 24, 25, 27, 28, 29, 30, 31, 32, 33, 35, 36, 37, 38, 41, 42, 43, 44, 47, 48, 49)
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26. (canceled)
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34. (canceled)
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39-40. -40. (canceled)
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45-46. -46. (canceled)
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50-59. -59. (canceled)
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60. A system, comprising:
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a processor; a memory coupled to the processor and configured to store program instructions executable by the processor to; receiving at least one notice of an event or a condition that gives rise to a claim for payment under a first insurance policy covering the insured; creating a claim management case for the insured in response to the at least one notice; associating one or more insurance policies covering the insured with the claim management case; performing at least one process relating to the claim management case at a claim management case level, wherein the at least one process performed at the claim management case level applies to at least two of the insurance policies associated with the claim management case; performing at least one process relating to the claim management case at a policy level, wherein the at least one process performed at the policy level applies to only one of the insurance policies with the claim management case; and adjudicating claims under the one or more of the insurance policies covering the insured.
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61. A tangible, computer readable medium comprising program instructions, wherein the program instructions are computer-executable to:
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receiving at least one notice of an event or a condition that gives rise to a claim for payment under a first insurance policy covering the insured; creating a claim management case for the insured in response to the at least one notice; associating one or more insurance policies covering the insured with the claim management case; performing at least one process relating to the claim management case at a claim management case level, wherein the at least one process performed at the claim management case level applies to at least two of the insurance policies associated with the claim management case; performing at least one process relating to the claim management case at a policy level, wherein the at least one process performed at the policy level applies to only one of the insurance policies with the claim management case; and adjudicating claims under the one or more of the insurance policies covering the insured.
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62-103. -103. (canceled)
Specification