Handle your claims from first notice to closure, with AI

A claims management tool covers the whole life of a claim in a single place: first notice of loss, document collection, checks, assignment to the right handler, exchanges with experts and third-party administrators, settlement and reporting. It replaces the mix of mailboxes, spreadsheets and separate tools that most claims operations still run on, where every step means re-entering the same data. Korint Claims is a claims management tool, used by insurers, wholesale brokers and delegated authorities.

Korint Claims is the declaration and claims management module of the Korint suite. It digitizes the declaration through a smart eFNOL form, orchestrates each file with workflows you configure yourself, connects the parties who work on the claim (handlers, experts, third-party administrators, brokers) at their own level of access, and drives settlement and reporting.

Korint Claims addresses three profiles. Insurers who want to digitize declaration, automate orchestration and keep a real-time view of their files. Wholesale brokers and delegated authorities who handle claims under delegation and have to structure their operations, coordinate the parties involved and answer their clients faster. Partners, experts and third-party administrators, who are connected to the file at the right level of information.

The declaration is where a claims file is won or lost: an incomplete first notice means back-and-forth with the insured, waiting time and a delay that starts running anyway. The eFNOL journey is an AI-boosted digital form that adapts to the type of loss, pre-fills what the policy already knows, asks for the supporting documents right away and runs its checks at entry rather than three days later. Files start with more reliable data, and the handler saves time by picking up a claim that is already qualified.

Detection is embedded in the handling journey, not run alongside it. Every document received is classified, analysed and checked by Korint’s AI agents: retouched photos, altered invoices, metadata anomalies, inconsistencies between the documents in the file, AI-generated files. The signals are then aggregated into a fraud score at the level of the claim itself, where the decision is made, and cross-checked with the information declared along the journey. Above the threshold set by the insurer, a verification task is created for the handler or a derogation is required. Teams keep the final say, in combination with the insurer’s business rules.

On a classic declaration, the handler re-enters what the insured has already written, reviews the supporting documents and chases the missing ones. In Korint Claims, the FNOL form adapts to the type of loss, pre-fills what the policy already knows and asks for the supporting documents immediately. AI agents read, classify and extract the data from the documents received (accident report, invoice, photo or expert report) and the consistency checks run at entry. The gain shows on both sides: teams pick up a file that is already qualified rather than building it, and the insured does not wait through a series of back-and-forths for the file to move forward.

Workflows are configured by claim type, product, channel, partner and complexity level: which documents are required, which checks run, who is assigned, which statuses follow one another, when an expert or a third-party administrator is brought in, which thresholds trigger a validation and which ones let a settlement go through. The aim is for routine files to move on their own, and for the ones that genuinely need a human decision to be the ones that land on a desk, with the decision and its rationale kept traceable. Settlement, automated payments and unified statements are part of the same configured scope.

Korint Claims integrates through secure APIs with everyone who touches a claim: third-party administrators, experts, repairers, brokers, payment tools, document management, management systems and reporting. Korint also offers 49 native integrations, among them Stripe, GoCardless and Adyen for payment, Docusign, Yousign and AR24 for signature and registered mail, S3 for document storage, Twilio and WhatsApp for keeping the insured informed, SRA and the vehicle-registration APIs for motor claims, and Power BI, Metabase and Google Looker for reporting. The full list is available on the Integrations page.

Yes. Korint Claims works as a standalone module, connected through secure APIs to your existing management system, your TPAs, experts, brokers, payment tools, document management and reporting tools. It also works integrated with the rest of the Korint suite, with Core for portfolio management, Reach for underwriting and Engine for pricing: in that case, policy data feeds the declaration and the claims steering directly, with no data re-entry and no interface to maintain.