For Group Life and Credit Life Reinsurance Claims
Reinsurance Claim
Core Platform
Configure treaties, manage claims, control approvals, track financial movements, and connect cedants and brokers through one structured, role-based platform.
Built for reinsurers, cedants, brokers, and claims teams managing treaty-linked reinsurance claims.
Operational Control From Claim Notification to Financial Booking
Treaty-Linked
Every claim is registered against the relevant treaty and member census.
Rule-Driven
Configured treaty, eligibility, policy, and claim checks support the assessment process.
Authority-Controlled
Claims move through Maker-Checker and Leadership approval based on configured authority limits.
Ledger-Tracked
Original bookings and later adjustments remain visible as separate financial movements.
The Problem
Reinsurance Claim Gaps Often Start Between the Treaty, Workflow, and Financial Record
When treaty conditions sit in documents, member data in spreadsheets, approvals in email, and financial movements in separate records, operational gaps become difficult to identify and control.
Where the Gaps Appear
Three Gaps That Open Between the Treaty and the Ledger
The Member Eligibility Gap
A claim is notified, but the team first needs to confirm whether the member belongs to the applicable treaty census and meets the relevant eligibility conditions.
The Approval Gap
A claim exceeds the analyst’s authority, but manual approvals make it difficult to track who should review it next.
The Adjustment Gap
A decided claim changes later. If the original value is overwritten, retention, ceded amount, retrocession, and net retained positions can become difficult to reconcile.
Where this goes next
See how the platform closes these gapsHow It Works
From Treaty Setup to Booked Claim in Five Steps
Configure the Treaty
Set up the cedant, broker, reinsurer panel, treaty shares, retrocession, program layers, retention, limits, eligibility conditions, benefits, exclusions, accounting terms, and member census.
Notify or Register the Claim
The cedant, broker, or internal claims team creates the claim against the governing treaty and member. Claims can also be submitted through bulk upload.
Apply Rules and Complete Requirements
Configured treaty, eligibility, policy, validation, and claim-quantum rules are applied. Required documents are identified and missing information can be requested.
Review, Approve or Escalate
The Claims Analyst acts as Maker. The Claim Manager acts as Checker. Claims above the configured authority level move to Leadership.
Book and Adjust
The claim decision is recorded in the Claims Ledger. Any later change is handled through a controlled adjustment without replacing the original booking.
Process
- Configure
- Notify
- Check
- Approve
- Book & Adjust
At a Glance
The Claim Journey and Its Controls on One Screen
Treaty terms, configured rules, eligibility conditions, and ledger movements stay attached to the claim as it moves through the work queue.
Capabilities
Built for Reinsurance Claim Operations
Treaty & Census Administration
Configure treaty structures, counterparties, shares, retrocession, retention, limits, eligibility, benefits, exclusions, accounting terms, and member census.
Claims Intake & Work Queue
Register claims, attach supporting documents, track claim status, rule outcomes, missing information, overdue cases, and required actions.
Bulk Claim Processing
Upload CSV or Excel files with row-level validation, error reporting, and column mapping for different counterparty formats.
Rule Engine
Configure checks across treaty conditions, eligibility, policy rules, validation, and claim quantum.
Authority Matrix & Maker-Checker
Set approval limits and route claims from Claims Analyst to Claim Manager or Leadership when required.
Controlled Adjustments
Record changes to decided claims without overwriting the original claim position.
Claims Ledger
Track claim amount, cedant retention, ceded amount, gross share, retrocession, net retained amount, and subsequent financial movements.
Reports & Period Movement
Review settled claim movements including opening balance, movement during the period, and closing balance by currency.
Administration
Platform Administrator Controls the Rules and Flow
The Platform Administrator controls how the Reinsurance Claim Core Platform operates.
Rule Configuration
Configure treaty, eligibility, policy, validation, and claim-quantum checks applied during claim assessment.
Authority Configuration
Define how much each role can approve and when claims, adjustments, or member requests need escalation.
Workflow Configuration
Configure operational flows for Maker-Checker claims, bulk claims, member requests, claim adjustments, and approval paths.
Document Configuration
Maintain document types and define required supporting documents based on claim type and cause.
Master Configuration
Maintain Lines of Business, claim sub-types, currencies, adjustment reasons, exclusions, benefits, and other core classifications.
User & Role Configuration
Control access for Platform Administrator, Claims Analyst, Claim Manager, Leadership, Cedant, and Broker users.
The Platform Administrator defines the rules, approval structure, document requirements, and workflows that control how claims move through the platform.
Roles
One Platform. Six Roles. Each Sees What It Needs.
| Role | What They Do |
|---|---|
| Platform Administrator | Configures treaties, rules, authority limits, workflows, documents, masters, counterparties, and users. |
| Claims Analyst - Maker | Prepares claims, reviews documents and rule outcomes, raises further requests, and submits cases for review. |
| Claim Manager - Checker | Reviews claims and takes decisions within the configured authority. |
| Leadership | Handles higher-authority claims, adjustments, and member requests. |
| Cedant | Notifies or registers claims, uploads documents, responds to requests, tracks claims, requests member additions, and raises adjustments. |
| Broker | Registers and tracks relevant claims, provides supporting information, responds to requests, and views permitted movements and reports. |
Cedants and brokers receive controlled access to the treaties, claims, members, and records relevant to them.
Governance
Claims Need More Than a Workflow. They Need Governance.
Rule Engine
Applies configured claim checks against treaty and policy conditions.
Authority Matrix
Determines which role can approve a claim and when escalation is required.
Maker-Checker Workflow
Separates initial claim preparation from claim approval.
Further Requests
Keeps missing information and document follow-up within the claim workflow.
Controlled Adjustments
Preserves the original claim position when a later change is required.
The platform structures the workflow and applies configured controls.
Claims professionals and authorised decision-makers remain responsible for final claim decisions.
Financial Control
Every Financial Movement Stays Connected to the Claim
The Claims Ledger maintains the financial position created by the original claim and subsequent adjustments.
What the Claims Ledger Tracks
- Claim amount
- Cedant retention
- Ceded amount
- Gross share
- Retrocession
- Net retained amount
- Currency
- Later movements
A changed claim creates a controlled adjustment instead of replacing the original financial position.
Bulk Processing
Designed for High-Volume Claim Operations
Bulk Claim Upload allows claims to be submitted through CSV or Excel when portfolios contain higher claim volumes.
Row-Level Validation
Each claim row is checked independently.
Accepted and Rejected Records
Valid rows can proceed while rejected records are returned for correction.
Error Reporting
Teams can identify which records require attention.
Column Mapping
Different counterparty column names can be mapped during upload.
How We Compare
Fragmented Claims Processing vs Reinsurance Claim Core Platform
Swipe to compare →
| Capability | Fragmented Process | Reinsurance Claim Core Platform |
|---|---|---|
| Treaty-linked claim intake | Manual treaty lookup | Claim registered against governing treaty |
| Member validation | Separate census review | Treaty census connected to claim intake |
| Claim rules | Manual interpretation | Configurable Rule Engine |
| Approval routing | Email follow-up | Authority Matrix and Maker-Checker workflow |
| Supporting documents | Email and folders | Configured document requirements |
| Bulk claims | Manual file handling | Validated bulk upload and column mapping |
| Cedant & Broker participation | Email coordination | Role-based portal access |
| Post-decision changes | Manual record changes | Controlled adjustment workflow |
| Financial movements | Separate working files | Claims Ledger |
| Reporting | Manual consolidation | Structured claims and period reporting |
The Difference
Reinsurance Claim Core Platform connects treaty rules with the claims, approvals, documents, counterparties, and financial movements required to manage reinsurance claim operations.
Platform Positioning
Works Alongside Your Existing Reinsurance Environment
Reinsurance Claim Core Platform focuses on treaty-linked claims operations and can work alongside existing reinsurance administration and finance processes.
Input
Treaty information, member census data, single claims, bulk claims, and supporting documents.
Operational Layer
Rules, work queues, approvals, further requests, adjustments, and counterparty participation.
Output
Claims Ledger movements and structured operational and financial reports.
Who It Is For
Designed for Reinsurance Claims Teams and Counterparties
Reinsurers
Manage claims, approvals, adjustments, treaty-linked controls, and financial movements.
Cedants
Notify claims, provide supporting documents, respond to requests, and track relevant cases.
Reinsurance Brokers
Support claim submission, documentation, follow-up, and permitted reporting.
Claims Analysts
Prepare and assess claims through structured work queues.
Claim Managers & Leadership
Review and approve cases through configured authority levels.
Reinsurance Finance Teams
Track ceded, retained, retrocession, adjustment, and reporting movements.
Platform Administrators
Configure rules, authority structures, workflows, document requirements, masters, counterparties, and users.
Get Started
See Your Reinsurance Claims Process Running in the Platform
Bring a treaty and sample claim workflow and see how your rules, approvals, documents, counterparties, adjustments, and financial movements can operate inside Reinsurance Claim Core Platform.
Configure the Rules. Control the Flow. Track Every Claim Movement.
Meet Our Innovators:
We aim to revolutionize how businesses operate through digital technology driving industry growth and positioning ourselves as global leaders.
Insurnest
Empowering insurers, re-insurers, and brokers to excel with innovative technology.
Insurnest specializes in digital solutions for the insurance sector, helping insurers, re-insurers, and brokers enhance operations and customer experiences with cutting-edge technology. Our deep industry expertise enables us to address unique challenges and drive competitiveness in a dynamic market.