Claims
Digital claims: how the process works today
From reporting to payout: a transparent overview of modern claims workflows.
Digital claims are now standard. They speed up workflows, improve documentation, and increase transparency. If you know how the process works, you save time and get decisions faster.
1. Report the claim: fast and structured
The first step is reporting via an app or web form. The most important facts are captured: what happened, when, and where.
Short, clear details help the claims team classify the case correctly.
- Date, location, and what happened
- People or objects involved
- Initial estimate of the damage
2. Upload photos, receipts, and evidence
Digital processes rely on good documentation. Photos show the situation; receipts support costs.
The clearer the documentation, the fewer follow-up questions you’ll get.
- Overview photo plus close-ups
- Purchase receipts or repair quotes
- Keep policy or case number handy
3. Triage and initial review
After submission, the claim is triaged: is it covered, which line applies, are there exclusions?
Deductibles and sub-limits are also checked at this stage.
- Coverage and exclusions
- Deductible and limits
- Responsible line (liability, household, etc.)
4. Clarifications and assessments
For larger claims, expert assessments or on-site inspections may be required. Digital tools help, but they don’t always replace personal evaluation.
Transparent communication prevents misunderstandings.
- External experts for complex claims
- Interim updates via email or app
- Clear questions about the claim amount
5. Decision and payout
Once the review is complete, a decision follows. If covered, the amount is paid out or a repair is organized.
Many insurers now offer direct transfers within a few days.
- Decision with reasoning
- Payout or repair approval
- Closing confirmation in the portal
Checklist for faster processing
Conclusion
Digital claims processes are efficient when the information is correct. Reporting in a structured way and documenting well can significantly speed up payouts.