AI-native. Human-centric.

We guide the path to claims excellence.
You make the difference.

Empower your frontline team to do their best work with less wasted effort and more capacity to provide compassionate support along every claimant’s recovery journey.

Trusted by the world’s leading organizations

Increasing claim complexity
compromises outcomes

<svg width="28" height="28" viewBox="0 0 28 28" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M16.625 0H3.20833C1.435 0 0 1.435 0 3.20833V21.2917C0 23.065 1.435 24.5 3.20833 24.5H12.7167C11.7367 22.9483 11.0833 21.1167 11.0833 19.0167V16.17C10.9083 16.275 10.71 16.3333 10.5 16.3333H4.66667C4.025 16.3333 3.5 15.8083 3.5 15.1667C3.5 14.525 4.025 14 4.66667 14H10.5C10.7217 14 10.92 14.0583 11.095 14.1633C11.1417 13.1717 11.6083 12.2617 12.3433 11.6667H4.66667C4.025 11.6667 3.5 11.1417 3.5 10.5C3.5 9.85833 4.025 9.33333 4.66667 9.33333H15.1667C15.6567 9.33333 16.0767 9.63667 16.2517 10.0683L19.5767 8.93667C19.6583 8.90167 19.74 8.87833 19.8333 8.86667V3.20833C19.8333 1.435 18.3983 0 16.625 0ZM9.33333 7H4.66667C4.025 7 3.5 6.475 3.5 5.83333C3.5 5.19167 4.025 4.66667 4.66667 4.66667H9.33333C9.975 4.66667 10.5 5.19167 10.5 5.83333C10.5 6.475 9.975 7 9.33333 7Z" fill="#00D08E"/> <path d="M27.209 13.2288L21.084 11.1451C20.8402 11.0623 20.5754 11.0623 20.3315 11.1451L14.2065 13.2288C13.734 13.3898 13.4155 13.8343 13.4155 14.3336V19.0213C13.4155 24.9328 19.971 27.7888 20.2499 27.9078C20.3969 27.9696 20.5532 28 20.7084 28C20.8635 28 21.0199 27.9696 21.1657 27.9066C21.4445 27.7876 28 24.9328 28 19.0213V14.3336C28 13.8331 27.6827 13.3898 27.209 13.2288ZM24.85 17.6166L21.35 22.2833C21.147 22.554 20.8379 22.7231 20.4995 22.7465C20.4715 22.7488 20.4435 22.75 20.4167 22.75C20.1075 22.75 19.8112 22.6286 19.5919 22.4081L17.2585 20.0748C16.8024 19.6186 16.8024 18.8813 17.2585 18.4251C17.7147 17.969 18.452 17.969 18.9082 18.4251L20.2907 19.8076L22.9834 16.2166C23.3695 15.7021 24.101 15.596 24.6155 15.9833C25.1324 16.3695 25.2374 17.101 24.85 17.6166Z" fill="#00D08E"/> </svg>
Policy interpretation
<svg width="26" height="20" viewBox="0 0 26 20" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M21.6616 12.8441C21.6438 12.836 21.1191 12.5632 20.8767 12.3999C20.8763 12.3999 20.3877 12.1007 20.1225 11.979C19.353 11.6259 18.954 11.5708 18.4331 11.5273C17.3689 11.4371 16.795 11.6468 15.2961 12.3163C14.5267 12.6598 10.4667 13.9266 9.82652 14.0984C9.50808 14.1839 9.31339 14.2536 9.08273 14.3655C8.92098 14.4438 8.85093 14.5027 8.8237 14.5308C8.49386 14.8719 8.42178 15.1902 8.5829 15.5948C8.7311 15.9669 9.12706 16.2565 9.59168 16.3329C9.75774 16.3604 9.94368 16.3545 10.1442 16.3159C10.1936 16.3075 14.6221 15.5524 16.3227 14.9751C16.4395 14.936 16.5661 14.9982 16.6056 15.1146C16.6451 15.2314 16.5827 15.3579 16.4661 15.3976C14.7318 15.9859 10.407 16.7235 10.2237 16.7546C10.0815 16.782 9.94242 16.7958 9.80828 16.7958C9.70884 16.7958 9.6122 16.7882 9.51935 16.773C8.89412 16.6703 8.37656 16.2821 8.16858 15.7597C8.08485 15.5494 8.04774 15.3482 8.0561 15.1544L2.58942 12.3215C2.5884 12.3211 2.58752 12.3206 2.5865 12.3202C1.88616 11.9928 1.22104 12.2708 0.925778 12.7143C0.622918 13.1693 0.694484 13.9001 1.33871 14.3355C1.34365 14.3388 1.34846 14.3424 1.35302 14.3461C5.02699 17.2831 11.3575 19.5123 11.421 19.5346C12.1626 19.7564 12.9572 19.7581 13.7094 19.5365C14.496 19.3047 15.566 18.8945 16.6009 18.4975C17.3085 18.2262 17.9766 17.9698 18.5665 17.7642C19.0662 17.5897 19.6171 17.5852 20.1173 17.7513L23.6612 18.9261L25.2463 14.0473C24.599 13.8535 22.4471 13.2004 21.6616 12.8441Z" fill="#050E49"/> <path d="M5.97473 1.27291L9.62222 2.70881C9.83046 2.79013 10.0671 2.68791 10.1498 2.47954L10.2257 2.28802C10.2657 2.18707 10.2639 2.07687 10.2208 1.97769C10.1779 1.87851 10.0987 1.802 9.99804 1.76235L6.35055 0.32646C6.30191 0.307333 6.25162 0.29834 6.20222 0.29834C6.04009 0.29834 5.88632 0.395874 5.82298 0.555601L5.74711 0.74712C5.70708 0.848073 5.70873 0.9584 5.75192 1.05771C5.79499 1.15676 5.87416 1.23327 5.97473 1.27291Z" fill="#050E49"/> <path d="M8.94141 5.59833L9.69241 5.81949L10.2207 4.4867L9.52091 4.1366L8.94141 5.59833Z" fill="#050E49"/> <path d="M19.6371 10.1678C20.1537 10.3711 20.7498 10.1121 20.9581 9.58737C21.0588 9.33315 21.0545 9.05537 20.9459 8.80495C20.8375 8.55491 20.638 8.36212 20.3841 8.26231L10.6304 4.66345L10.1111 5.97356L19.6371 10.1678Z" fill="#050E49"/> <path d="M8.10767 7.63006L8.18354 7.43854C8.22357 7.33759 8.22192 7.22726 8.17873 7.12795C8.13566 7.02877 8.05662 6.95227 7.95592 6.91262L4.30843 5.47673C4.25992 5.45773 4.20976 5.44861 4.16036 5.44861C3.9981 5.44861 3.84432 5.54627 3.78099 5.70599L3.70512 5.89751C3.66509 5.99847 3.66674 6.10867 3.70993 6.20785C3.75287 6.30703 3.83204 6.38354 3.93274 6.42318L7.58023 7.85908C7.78822 7.9409 8.02508 7.83843 8.10767 7.63006Z" fill="#050E49"/> <path d="M3.67651 8.75106V9.19933H8.89353V8.75106C8.89353 8.52914 8.7124 8.34851 8.48959 8.34851H4.08033C3.85765 8.34851 3.67651 8.52914 3.67651 8.75106Z" fill="#050E49"/> <path d="M3.43829 9.64551L3.2146 10.3238H9.34248L9.12943 9.64551H9.11663H3.45362H3.43829Z" fill="#050E49"/> <path d="M9.19593 3.74565L9.44483 3.11814L5.85763 1.70593L4.51978 5.08071L8.10698 6.49279L8.43669 5.6611L9.1958 3.74615L9.19593 3.74565Z" fill="#050E49"/> </svg>
Jurisdictional requirements
<svg width="28" height="28" viewBox="0 0 28 28" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M14.452 18.4088L21.5833 6.05675V4.66667C21.5833 3.05608 20.2772 1.75 18.6666 1.75H5.83329C4.22271 1.75 2.91663 3.05608 2.91663 4.66667V23.3333C2.91663 24.9439 4.22271 26.25 5.83329 26.25H18.6666C20.2772 26.25 21.5833 24.9439 21.5833 23.3333V17.7246L19.5043 21.3261C19.1969 21.8575 18.7646 22.316 18.2536 22.6526L16.709 23.6734C16.4015 23.8764 16.0463 23.9837 15.6817 23.9837C15.1684 23.9837 14.672 23.7685 14.3179 23.3928C13.9638 23.016 13.7859 22.5225 13.8174 22.0033L13.9276 20.1553C13.9644 19.5422 14.1458 18.9385 14.452 18.4082V18.4088ZM6.41663 5.25H11.6666C11.9892 5.25 12.25 5.51133 12.25 5.83333C12.25 6.15533 11.9892 6.41667 11.6666 6.41667H6.41663C6.09404 6.41667 5.83329 6.15533 5.83329 5.83333C5.83329 5.51133 6.09404 5.25 6.41663 5.25ZM6.41663 8.75H17.0858C17.4084 8.75 17.6691 9.01133 17.6691 9.33333C17.6691 9.65533 17.4084 9.91667 17.0858 9.91667H6.41663C6.09404 9.91667 5.83329 9.65533 5.83329 9.33333C5.83329 9.01133 6.09404 8.75 6.41663 8.75ZM11.8766 22.75H11.0833C10.8885 22.75 10.7065 22.6526 10.5985 22.491L9.91604 21.4702L9.54446 22.0296C9.35196 22.3055 9.04104 22.4508 8.71554 22.4123C8.39704 22.3761 8.12463 22.169 8.00446 21.8721L7.58329 20.8203L6.95796 22.3837C6.86696 22.6117 6.64763 22.7506 6.41604 22.7506C6.34371 22.7506 6.27079 22.7372 6.19963 22.7086C5.90038 22.589 5.75454 22.2495 5.87413 21.9503L6.49829 20.3869C6.67971 19.9401 7.10438 19.6525 7.58213 19.6525C8.05988 19.6525 8.48513 19.9401 8.66479 20.3846L8.87946 20.9212L8.94538 20.8227C9.15596 20.4977 9.51996 20.3 9.91488 20.3C10.3098 20.3 10.6738 20.4972 10.8885 20.8285L11.393 21.5833H11.8749C12.1975 21.5833 12.4582 21.8447 12.4582 22.1667C12.4582 22.4887 12.1975 22.75 11.8749 22.75H11.8766ZM13.0433 16.9167H6.41663C6.09404 16.9167 5.83329 16.6553 5.83329 16.3333C5.83329 16.0113 6.09404 15.75 6.41663 15.75H13.0433C13.3659 15.75 13.6266 16.0113 13.6266 16.3333C13.6266 16.6553 13.3659 16.9167 13.0433 16.9167ZM6.41663 13.4167C6.09404 13.4167 5.83329 13.1553 5.83329 12.8333C5.83329 12.5113 6.09404 12.25 6.41663 12.25H15.0616C15.3842 12.25 15.645 12.5113 15.645 12.8333C15.645 13.1553 15.3842 13.4167 15.0616 13.4167H6.41663Z" fill="#00D08E"/> <path d="M25.3429 8.87897L26.0622 7.63297C26.4489 6.9633 26.2191 6.10697 25.55 5.7208L24.9439 5.3708C24.2743 4.98405 23.4179 5.21389 23.0318 5.88297L22.3125 7.12897L25.3429 8.87897Z" fill="#00D08E"/> <path d="M21.7286 8.13926L15.4625 18.9928C15.2449 19.369 15.1183 19.7913 15.0926 20.2248L14.9818 22.0733C14.9474 22.6491 15.585 23.0172 16.0662 22.6993L17.6121 21.679C17.9749 21.4393 18.2771 21.119 18.4941 20.7422L24.7602 9.88867L21.7292 8.13867L21.7286 8.13926Z" fill="#00D08E"/> </svg>
Special claims handling agreements
<svg width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M22.1341 1.8501C19.666 -0.616699 15.6513 -0.616699 13.1831 1.8501L7.96472 7.0685L13.8894 12.9932C15.1088 11.9778 16.6548 11.342 18.3619 11.342C19.341 11.342 20.2727 11.5453 21.1205 11.9085L22.1341 10.8012C24.6016 8.33366 24.6016 4.3183 22.1341 1.8501Z" fill="#050E49"/> <path d="M12.9033 13.9958L6.97032 8.06287L1.86292 13.1753C-0.604534 15.6427 -0.604534 19.6581 1.86292 22.1263C4.33103 24.593 8.39261 24.64 10.8608 22.1731L11.8962 21.1328C11.533 20.285 11.3296 19.3533 11.3296 18.3741C11.3297 16.7109 11.9343 15.2011 12.9033 13.9958Z" fill="#050E49"/> <path d="M12.7361 18.3743C12.7361 21.2404 14.8873 23.5795 17.6587 23.9291V12.8193C14.8873 13.169 12.7361 15.508 12.7361 18.3743Z" fill="#050E49"/> <path d="M19.0651 12.8193V23.9291C21.8364 23.5795 23.9876 21.2404 23.9876 18.3742C23.9876 15.508 21.8365 13.169 19.0651 12.8193Z" fill="#050E49"/> </svg>
Medical inflation
<svg width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M16 0H8C6.67392 0 5.40215 0.526784 4.46447 1.46447C3.52678 2.40215 3 3.67392 3 5V19C3 19.6566 3.12933 20.3068 3.3806 20.9134C3.63188 21.52 4.00017 22.0712 4.46447 22.5355C5.40215 23.4732 6.67392 24 8 24H10.18C9.98005 23.4483 9.94872 22.8496 10.09 22.28L11.02 18.52C11.1498 17.9896 11.4231 17.5053 11.81 17.12L17.46 11.46C17.925 10.9957 18.477 10.6278 19.0845 10.3772C19.692 10.1267 20.3429 9.9985 21 10V5C21 3.67392 20.4732 2.40215 19.5355 1.46447C18.5979 0.526784 17.3261 0 16 0ZM12 13H8C7.73478 13 7.48043 12.8946 7.29289 12.7071C7.10536 12.5196 7 12.2652 7 12C7 11.7348 7.10536 11.4804 7.29289 11.2929C7.48043 11.1054 7.73478 11 8 11H12C12.2652 11 12.5196 11.1054 12.7071 11.2929C12.8946 11.4804 13 11.7348 13 12C13 12.2652 12.8946 12.5196 12.7071 12.7071C12.5196 12.8946 12.2652 13 12 13ZM16 9H8C7.73478 9 7.48043 8.89464 7.29289 8.70711C7.10536 8.51957 7 8.26522 7 8C7 7.73478 7.10536 7.48043 7.29289 7.29289C7.48043 7.10536 7.73478 7 8 7H16C16.2652 7 16.5196 7.10536 16.7071 7.29289C16.8946 7.48043 17 7.73478 17 8C17 8.26522 16.8946 8.51957 16.7071 8.70711C16.5196 8.89464 16.2652 9 16 9ZM16 5H8C7.73478 5 7.48043 4.89464 7.29289 4.70711C7.10536 4.51957 7 4.26522 7 4C7 3.73478 7.10536 3.48043 7.29289 3.29289C7.48043 3.10536 7.73478 3 8 3H16C16.2652 3 16.5196 3.10536 16.7071 3.29289C16.8946 3.48043 17 3.73478 17 4C17 4.26522 16.8946 4.51957 16.7071 4.70711C16.5196 4.89464 16.2652 5 16 5Z" fill="#00D08E"/> <path d="M23.9639 15C23.9739 15.7905 23.6705 16.5527 23.1199 17.12L22.4199 17.83C22.4199 17.83 18.1699 13.59 18.1799 13.59L18.8799 12.88C19.2946 12.4555 19.827 12.1653 20.4084 12.0468C20.9899 11.9283 21.5935 11.987 22.1411 12.2154C22.6888 12.4438 23.1553 12.8312 23.4803 13.3277C23.8053 13.8242 23.9738 14.4067 23.9639 15Z" fill="#00D08E"/> <path d="M21 19.25L17.46 22.78C17.3353 22.9097 17.1754 23 17 23.04L13.24 23.97C13.0727 24.013 12.8971 24.0116 12.7305 23.966C12.5639 23.9205 12.4121 23.8322 12.2899 23.7101C12.1678 23.588 12.0796 23.4361 12.034 23.2695C11.9884 23.1029 11.9871 22.9273 12.03 22.76L12.96 19C13 18.8246 13.0904 18.6647 13.22 18.54L16.76 15.01C16.76 15.01 21 19.24 21 19.25Z" fill="#00D08E"/> </svg>
Regulatory requirements
<svg width="36" height="36" viewBox="0 0 36 36" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M11.261 13.4157C10.5337 13.5944 9.80634 13.773 9.07903 13.9517C8.90037 14.679 8.7217 15.4063 8.54304 16.1336C8.14838 15.4971 7.75371 14.8606 7.35905 14.2241C6.61205 14.2789 5.86519 14.3338 5.11826 14.3886C5.60166 13.8166 6.08505 13.2445 6.56845 12.6725C6.28552 11.9791 6.00251 11.2857 5.71957 10.5923C6.41299 10.8752 7.10641 11.1582 7.79984 11.4412C8.3719 10.9578 8.94389 10.4743 9.51595 9.99101C9.46111 10.7379 9.40627 11.4849 9.35142 12.2318C9.98796 12.6263 10.6245 13.0211 11.261 13.4157ZM16.0781 11.4204C16.7188 11.0324 17.3594 10.6445 18 10.2565C18.6406 10.6445 19.2813 11.0324 19.9219 11.4204C19.7509 10.6913 19.5799 9.96211 19.4089 9.2329C19.9758 8.74352 20.5427 8.25415 21.1097 7.76477C20.3633 7.70213 19.617 7.63941 18.8708 7.57676C18.5805 6.88636 18.2903 6.19589 18.0001 5.50549C17.7099 6.19589 17.4196 6.88629 17.1294 7.57676C16.3831 7.63941 15.6367 7.70213 14.8904 7.76477C15.4574 8.25415 16.0243 8.74352 16.5913 9.2329C16.4202 9.96204 16.2492 10.6912 16.0781 11.4204ZM25.6217 22.8727C25.6217 27.082 22.2093 30.4945 18 30.4945C13.7907 30.4945 10.3783 27.082 10.3783 22.8727C10.3783 18.6634 13.7907 15.2509 18 15.2509C22.2093 15.2509 25.6217 18.6634 25.6217 22.8727ZM13.979 21.0128C13.979 21.585 14.4427 22.0488 15.0149 22.0488C15.587 22.0488 16.0508 21.585 16.0508 21.0128C16.0508 20.4407 15.587 19.9769 15.0149 19.9769C14.4427 19.9769 13.979 20.4407 13.979 21.0128ZM21.8409 25.5463H14.1592C15.0048 26.7588 16.4097 27.5524 18.0001 27.5524C19.5903 27.5524 20.9952 26.7589 21.8409 25.5463ZM22.021 21.0128C22.021 20.4407 21.5571 19.9769 20.985 19.9769C20.413 19.9769 19.9491 20.4407 19.9491 21.0128C19.9491 21.585 20.4129 22.0488 20.985 22.0488C21.5572 22.0488 22.021 21.585 22.021 21.0128ZM29.4315 12.6725C29.7145 11.9791 29.9975 11.2857 30.2804 10.5923C29.5871 10.8752 28.8936 11.1582 28.2002 11.4412C27.6282 10.9578 27.0561 10.4744 26.484 9.99101C26.5389 10.7379 26.5938 11.4849 26.6486 12.2318C26.012 12.6265 25.3756 13.0211 24.739 13.4158L26.921 13.9518C27.0997 14.6791 27.2784 15.4064 27.457 16.1338C27.8516 15.4973 28.2463 14.8608 28.641 14.2242L30.8817 14.3888C30.3984 13.8166 29.9149 13.2445 29.4315 12.6725ZM33.2959 22.002C33.2333 21.2557 33.1706 20.5094 33.1079 19.763C32.6185 20.33 32.1292 20.8969 31.6398 21.4639C30.9106 21.2929 30.1814 21.1219 29.4523 20.9508C29.8403 21.5914 30.2283 22.2321 30.6162 22.8727C30.2282 23.5134 29.8403 24.154 29.4523 24.7946C30.1814 24.6236 30.9106 24.4526 31.6398 24.2815C32.1292 24.8485 32.6185 25.4154 33.1079 25.9824C33.1706 25.236 33.2333 24.4897 33.2959 23.7434C33.9864 23.4532 34.6768 23.1629 35.3672 22.8727C34.6768 22.5825 33.9864 22.2923 33.2959 22.002ZM4.36022 21.4638C3.87084 20.8969 3.38147 20.33 2.89209 19.763C2.82945 20.5093 2.76673 21.2556 2.70408 22.002C2.01368 22.2923 1.32321 22.5824 0.632812 22.8727C1.32321 23.1629 2.01368 23.4531 2.70408 23.7434C2.76673 24.4897 2.82945 25.236 2.89209 25.9823C3.38147 25.4154 3.87084 24.8485 4.36022 24.2815C5.08943 24.4525 5.81857 24.6235 6.54771 24.7946C6.15973 24.154 5.77174 23.5134 5.38383 22.8728C5.77174 22.2321 6.15973 21.5915 6.54771 20.9509C5.81857 21.1218 5.08943 21.2928 4.36022 21.4638Z" fill="#050E49"/> </svg>
Customer expectation
<svg width="32" height="32" viewBox="0 0 32 32" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M17.479 5.39767C17.7422 5.39767 17.9714 5.20288 18.0068 4.93465L18.2274 3.27007C18.2662 2.97788 18.0607 2.70965 17.7688 2.67111C17.4787 2.63465 17.2089 2.83725 17.1701 3.12944L16.9495 4.79403C16.9107 5.08621 17.1162 5.35444 17.4081 5.39298C17.4318 5.39611 17.4555 5.39767 17.479 5.39767Z" fill="#00D08E"/> <path d="M14.1483 5.4982C14.216 5.4982 14.285 5.48518 14.3517 5.45758C14.6238 5.34508 14.7535 5.03362 14.641 4.76122L13.9999 3.20966C13.8874 2.93726 13.5764 2.80758 13.3033 2.9206C13.0311 3.0331 12.9014 3.34455 13.0139 3.61695L13.6551 5.16851C13.74 5.37424 13.9387 5.4982 14.1483 5.4982Z" fill="#00D08E"/> <path d="M16 15.1625C18.2293 15.1625 20.0373 13.3598 20.0373 11.1304C20.0373 8.90112 18.2293 7.09314 16 7.09314C13.7707 7.09314 11.9626 8.90112 11.9626 11.1304C11.9626 13.3598 13.7707 15.1625 16 15.1625Z" fill="#00D08E"/> <path d="M20.4107 6.97572C20.5707 6.97572 20.7307 6.90639 20.8374 6.76772L21.8614 5.43438C22.0374 5.20505 21.9947 4.86905 21.76 4.68773C21.5254 4.50639 21.1947 4.5544 21.0134 4.78373L19.9894 6.11706C19.808 6.35173 19.856 6.68773 20.0854 6.86371C20.1867 6.93839 20.2987 6.97572 20.4107 6.97572Z" fill="#00D08E"/> <path d="M23.232 9.03436C22.9386 8.61304 22.4906 8.33569 21.984 8.25038C21.4773 8.17036 20.9653 8.29305 20.5493 8.60236C20.5226 8.62372 20.496 8.64504 20.4746 8.66636C20.8746 9.39702 21.104 10.2397 21.104 11.1304C21.104 11.5624 21.0506 11.9837 20.9493 12.3837L23.8826 16.6077L20.832 16.773H11.2L8.11729 16.6077L11.0506 12.3837C10.9493 11.9837 10.896 11.5624 10.896 11.1304C10.896 10.2397 11.1253 9.40236 11.5306 8.6717C11.504 8.64504 11.4773 8.62372 11.4506 8.60236C11.0346 8.29305 10.528 8.17036 10.016 8.25038C9.50928 8.33569 9.06663 8.61304 8.76797 9.03436L4.38929 15.2957C3.99463 15.8611 3.78662 16.5223 3.78662 17.205C3.78662 18.8904 5.05062 20.3144 6.71995 20.517L10.6346 20.9864V28.7997C10.6346 29.093 10.8746 29.333 11.168 29.333H20.832C21.1253 29.333 21.3653 29.093 21.3653 28.7997V20.9864L25.2799 20.517C26.9493 20.3144 28.2133 18.8904 28.2133 17.205C28.2133 16.5223 28.0053 15.8611 27.6106 15.2957L23.232 9.03436Z" fill="#00D08E"/> <path d="M9.56276 5.37038C9.38141 5.59971 9.42409 5.93572 9.65876 6.11706L10.9921 7.14106C11.0881 7.21573 11.2001 7.25307 11.3121 7.25307C11.4721 7.25307 11.6321 7.17839 11.7388 7.04506C11.9147 6.81039 11.8721 6.47439 11.6374 6.29307L10.3094 5.26905C10.0747 5.09307 9.73877 5.13572 9.56276 5.37038Z" fill="#00D08E"/> </svg>
Overwhelming claims volume
<svg width="28" height="28" viewBox="0 0 28 28" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M10.3191 5.99813C10.9689 5.36235 11.375 4.47869 11.375 3.5C11.375 1.5701 9.8049 0 7.875 0C5.9451 0 4.375 1.5701 4.375 3.5C4.375 4.47869 4.78109 5.36235 5.43086 5.99813C4.26685 6.78519 3.5 8.11729 3.5 9.625V11.375C3.5 11.8582 3.89182 12.25 4.375 12.25H11.375C11.8582 12.25 12.25 11.8582 12.25 11.375V9.625C12.25 8.11729 11.4831 6.78519 10.3191 5.99813Z" fill="#050E49"/> <path d="M22.5692 21.7481C23.219 21.1123 23.625 20.2287 23.625 19.25C23.625 17.3201 22.0553 15.75 20.125 15.75C18.1947 15.75 16.625 17.3201 16.625 19.25C16.625 20.2287 17.0311 21.1123 17.6808 21.7481C16.5168 22.5352 15.75 23.8673 15.75 25.375V27.125C15.75 27.6082 16.1414 28 16.625 28H23.625C24.1086 28 24.5 27.6082 24.5 27.125V25.375C24.5 23.8673 23.7332 22.5352 22.5692 21.7481Z" fill="#050E49"/> <path d="M21.875 11.375C21.3914 11.375 21 10.9832 21 10.5V7.875C21 5.9451 19.4303 4.375 17.5 4.375H14.875C14.3918 4.375 14 3.98318 14 3.5C14 3.01682 14.3918 2.625 14.875 2.625H17.5C20.395 2.625 22.75 4.97997 22.75 7.875V10.5C22.75 10.9832 22.3586 11.375 21.875 11.375Z" fill="#050E49"/> <path d="M21.875 12.25C21.651 12.25 21.4272 12.1645 21.2563 11.9936L19.5063 10.2436C19.1646 9.9018 19.1646 9.3481 19.5063 9.00624C19.8481 8.66438 20.4018 8.66447 20.7437 9.00624L21.875 10.1376L23.0064 9.00624C23.3482 8.66447 23.9019 8.66447 24.2438 9.00624C24.5856 9.34802 24.5855 9.90172 24.2438 10.2436L22.4938 11.9936C22.3229 12.1645 22.0988 12.25 21.875 12.25Z" fill="#050E49"/> <path d="M13.125 25.375H10.5C7.60497 25.375 5.25 23.02 5.25 20.125V17.5C5.25 17.0168 5.64182 16.625 6.125 16.625C6.60818 16.625 7 17.0168 7 17.5V20.125C7 22.0549 8.5701 23.625 10.5 23.625H13.125C13.6082 23.625 14 24.0168 14 24.5C14 24.9832 13.6082 25.375 13.125 25.375Z" fill="#050E49"/> <path d="M7.87508 19.25C7.65116 19.25 7.42734 19.1646 7.25645 18.9937L6.12508 17.8623L4.9937 18.9937C4.65193 19.3354 4.09823 19.3354 3.75636 18.9937C3.4145 18.6519 3.41459 18.0982 3.75636 17.7563L5.50636 16.0063C5.84814 15.6646 6.40184 15.6646 6.7437 16.0063L8.4937 17.7563C8.83547 18.0981 8.83547 18.6518 8.4937 18.9937C8.32281 19.1646 8.0989 19.25 7.87508 19.25Z" fill="#050E49"/> </svg>
Claim professional turnover
<svg width="28" height="28" viewBox="0 0 28 28" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M10.3191 5.99813C10.9689 5.36235 11.375 4.47869 11.375 3.5C11.375 1.5701 9.8049 0 7.875 0C5.9451 0 4.375 1.5701 4.375 3.5C4.375 4.47869 4.78109 5.36235 5.43086 5.99813C4.26685 6.78519 3.5 8.11729 3.5 9.625V11.375C3.5 11.8582 3.89182 12.25 4.375 12.25H11.375C11.8582 12.25 12.25 11.8582 12.25 11.375V9.625C12.25 8.11729 11.4831 6.78519 10.3191 5.99813Z" fill="#050E49"/> <path d="M22.5692 21.7481C23.219 21.1123 23.625 20.2287 23.625 19.25C23.625 17.3201 22.0553 15.75 20.125 15.75C18.1947 15.75 16.625 17.3201 16.625 19.25C16.625 20.2287 17.0311 21.1123 17.6808 21.7481C16.5168 22.5352 15.75 23.8673 15.75 25.375V27.125C15.75 27.6082 16.1414 28 16.625 28H23.625C24.1086 28 24.5 27.6082 24.5 27.125V25.375C24.5 23.8673 23.7332 22.5352 22.5692 21.7481Z" fill="#050E49"/> <path d="M21.875 11.375C21.3914 11.375 21 10.9832 21 10.5V7.875C21 5.9451 19.4303 4.375 17.5 4.375H14.875C14.3918 4.375 14 3.98318 14 3.5C14 3.01682 14.3918 2.625 14.875 2.625H17.5C20.395 2.625 22.75 4.97997 22.75 7.875V10.5C22.75 10.9832 22.3586 11.375 21.875 11.375Z" fill="#050E49"/> <path d="M21.875 12.25C21.651 12.25 21.4272 12.1645 21.2563 11.9936L19.5063 10.2436C19.1646 9.9018 19.1646 9.3481 19.5063 9.00624C19.8481 8.66438 20.4018 8.66447 20.7437 9.00624L21.875 10.1376L23.0064 9.00624C23.3482 8.66447 23.9019 8.66447 24.2438 9.00624C24.5856 9.34802 24.5855 9.90172 24.2438 10.2436L22.4938 11.9936C22.3229 12.1645 22.0988 12.25 21.875 12.25Z" fill="#050E49"/> <path d="M13.125 25.375H10.5C7.60497 25.375 5.25 23.02 5.25 20.125V17.5C5.25 17.0168 5.64182 16.625 6.125 16.625C6.60818 16.625 7 17.0168 7 17.5V20.125C7 22.0549 8.5701 23.625 10.5 23.625H13.125C13.6082 23.625 14 24.0168 14 24.5C14 24.9832 13.6082 25.375 13.125 25.375Z" fill="#050E49"/> <path d="M7.87508 19.25C7.65116 19.25 7.42734 19.1646 7.25645 18.9937L6.12508 17.8623L4.9937 18.9937C4.65193 19.3354 4.09823 19.3354 3.75636 18.9937C3.4145 18.6519 3.41459 18.0982 3.75636 17.7563L5.50636 16.0063C5.84814 15.6646 6.40184 15.6646 6.7437 16.0063L8.4937 17.7563C8.83547 18.0981 8.83547 18.6518 8.4937 18.9937C8.32281 19.1646 8.0989 19.25 7.87508 19.25Z" fill="#050E49"/> </svg>
Claim professional turnover
<svg width="28" height="28" viewBox="0 0 28 28" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M16.625 0H3.20833C1.435 0 0 1.435 0 3.20833V21.2917C0 23.065 1.435 24.5 3.20833 24.5H12.7167C11.7367 22.9483 11.0833 21.1167 11.0833 19.0167V16.17C10.9083 16.275 10.71 16.3333 10.5 16.3333H4.66667C4.025 16.3333 3.5 15.8083 3.5 15.1667C3.5 14.525 4.025 14 4.66667 14H10.5C10.7217 14 10.92 14.0583 11.095 14.1633C11.1417 13.1717 11.6083 12.2617 12.3433 11.6667H4.66667C4.025 11.6667 3.5 11.1417 3.5 10.5C3.5 9.85833 4.025 9.33333 4.66667 9.33333H15.1667C15.6567 9.33333 16.0767 9.63667 16.2517 10.0683L19.5767 8.93667C19.6583 8.90167 19.74 8.87833 19.8333 8.86667V3.20833C19.8333 1.435 18.3983 0 16.625 0ZM9.33333 7H4.66667C4.025 7 3.5 6.475 3.5 5.83333C3.5 5.19167 4.025 4.66667 4.66667 4.66667H9.33333C9.975 4.66667 10.5 5.19167 10.5 5.83333C10.5 6.475 9.975 7 9.33333 7Z" fill="#00D08E"/> <path d="M27.209 13.2288L21.084 11.1451C20.8402 11.0623 20.5754 11.0623 20.3315 11.1451L14.2065 13.2288C13.734 13.3898 13.4155 13.8343 13.4155 14.3336V19.0213C13.4155 24.9328 19.971 27.7888 20.2499 27.9078C20.3969 27.9696 20.5532 28 20.7084 28C20.8635 28 21.0199 27.9696 21.1657 27.9066C21.4445 27.7876 28 24.9328 28 19.0213V14.3336C28 13.8331 27.6827 13.3898 27.209 13.2288ZM24.85 17.6166L21.35 22.2833C21.147 22.554 20.8379 22.7231 20.4995 22.7465C20.4715 22.7488 20.4435 22.75 20.4167 22.75C20.1075 22.75 19.8112 22.6286 19.5919 22.4081L17.2585 20.0748C16.8024 19.6186 16.8024 18.8813 17.2585 18.4251C17.7147 17.969 18.452 17.969 18.9082 18.4251L20.2907 19.8076L22.9834 16.2166C23.3695 15.7021 24.101 15.596 24.6155 15.9833C25.1324 16.3695 25.2374 17.101 24.85 17.6166Z" fill="#00D08E"/> </svg>
Policy Interpretation
<svg width="26" height="30" viewBox="0 0 26 30" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M20.9578 23.5133C20.8895 22.4383 21.215 20.9515 21.8733 20.0975C24.4983 16.691 25.6628 13.7395 25.1133 10.107C24.2228 4.22002 20.065 1.10177 14.3165 0.806771C8.03427 0.481771 2.65402 4.51677 2.82727 10.0818C2.85002 10.8163 2.97852 11.898 2.97552 12.6048C2.96977 15.1153 0.797518 16.1465 0.755768 16.9455C0.687018 18.2575 2.22827 17.8478 2.77177 19.7038C3.46177 22.06 2.47177 24.747 5.68377 24.581C6.96502 24.5295 9.04727 24.0323 9.93952 24.862C10.5085 25.391 10.9668 27.7 11.1455 28.7218C11.1697 28.8591 11.2415 28.9835 11.3484 29.0731C11.4553 29.1626 11.5903 29.2116 11.7298 29.2113H21.372C21.464 29.2115 21.5548 29.1904 21.6372 29.1494C21.7196 29.1085 21.7914 29.0489 21.8467 28.9754C21.9021 28.9019 21.9396 28.8165 21.9562 28.726C21.9728 28.6355 21.9682 28.5424 21.9425 28.454C21.6218 27.35 21.0673 25.2415 20.9578 23.5133ZM11.9288 13.8055C6.45052 13.8055 4.61402 11.4305 4.77302 9.15302C5.03452 5.40302 7.66302 2.94302 12.654 2.63652C14.3895 2.51958 16.1287 2.80092 17.7388 3.45905C19.3488 4.11718 20.7871 5.13467 21.9438 6.43377C23.3688 8.09502 24.4295 12.5 22.276 14.4553C18.6688 17.7303 16.0523 13.8055 11.9288 13.8055Z" fill="#050E49"/> </svg>
Mental health issues
<svg width="28" height="28" viewBox="0 0 28 28" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M13.994 11.0244C14.49 9.99686 14.7673 8.8435 14.7673 7.62616C14.7673 6.40772 14.49 5.256 13.994 4.22788H24.6017C26.4715 4.22788 28 5.75639 28 7.62616C28 9.04639 27.1162 10.2708 25.8716 10.7762C25.8437 10.7762 25.8158 10.7745 25.7879 10.7745C25.6156 10.7745 25.4499 10.7964 25.2902 10.8352C24.9413 10.1905 24.2594 9.75186 23.4779 9.75186C23.3603 9.75186 23.2455 9.76116 23.1323 9.77975C22.8703 8.94413 22.0888 8.33327 21.1668 8.33327C21.0815 8.33327 20.9978 8.33819 20.9158 8.34858V7.37186C20.9158 6.23874 19.9905 5.31452 18.8573 5.31452C17.7242 5.31452 16.7989 6.23819 16.7989 7.37186V11.0239H13.994V11.0244ZM17.7018 22.9113V23.2198H26.0821L26.6295 21.8881C26.8466 21.3626 26.9429 20.8775 26.9429 20.3082V12.8335C26.9429 12.198 26.4234 11.6785 25.7879 11.6785C25.1524 11.6785 24.6329 12.198 24.6329 12.8335V11.8087C24.6329 11.1732 24.1134 10.6537 23.4779 10.6537C22.8424 10.6537 22.3229 11.1732 22.3229 11.8087V10.3917C22.3229 9.75624 21.8023 9.2367 21.1663 9.2367C20.5308 9.2367 20.0113 9.75624 20.0113 10.3917V7.37186C20.0113 6.73639 19.4917 6.21686 18.8562 6.21686C18.2208 6.21686 17.7013 6.73639 17.7013 7.37186V13.5417V15.6685V17.1801L15.9977 14.2286C15.663 13.6489 14.998 13.5171 14.4195 13.8069C13.8693 14.1247 13.6784 14.8345 13.9962 15.3836L17.1462 20.8387C17.5268 21.4976 17.7018 22.1501 17.7018 22.9113ZM26.8171 24.1221H16.5933C16.421 24.1221 16.2788 24.2648 16.2788 24.4365V26.991C16.2788 27.1644 16.4216 27.3055 16.5933 27.3055H26.8166C26.9899 27.3055 27.131 27.1644 27.131 26.991V24.4365C27.1316 24.2648 26.9905 24.1221 26.8171 24.1221ZM13.8638 7.62616C13.8638 11.4428 10.7494 14.5573 6.93273 14.5573C3.11445 14.5573 0 11.4428 0 7.62616C0 3.80842 3.11445 0.69397 6.93273 0.69397C10.7494 0.69397 13.8638 3.80842 13.8638 7.62616ZM10.85 5.02959C10.4655 4.6435 9.83938 4.6435 9.45328 5.02959L6.35742 8.12545L4.41055 6.17858C4.02445 5.79249 3.39992 5.79249 3.01383 6.17858C2.62773 6.56467 2.62773 7.19085 3.01383 7.5753L5.66016 10.2216C6.04461 10.6077 6.67078 10.6077 7.05687 10.2216L10.85 6.42686C11.2361 6.04186 11.2361 5.41569 10.85 5.02959Z" fill="#00D08E"/> </svg>
Adequate reserving
<svg width="32" height="32" viewBox="0 0 32 32" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M9.43966 3.48125C9.43966 1.56169 7.87797 0 5.95841 0C1.34003 0.19125 1.34134 6.772 5.95841 6.9625C7.87803 6.9625 9.43966 5.40081 9.43966 3.48125Z" fill="#050E49"/> <path d="M11.9167 13.9917V12.9209C11.5884 5.01436 0.325312 5.02048 0 12.9209V13.9917C0 14.5094 0.41975 14.9292 0.9375 14.9292H10.9792C11.4969 14.9292 11.9167 14.5095 11.9167 13.9917Z" fill="#050E49"/> <path d="M29.5229 3.48125C29.5229 1.56169 27.9612 0 26.0417 0C21.4233 0.19125 21.4246 6.772 26.0417 6.9625C27.9612 6.9625 29.5229 5.40081 29.5229 3.48125Z" fill="#050E49"/> <path d="M26.0418 6.96252C22.7564 6.96252 20.0835 9.63546 20.0835 12.9208V13.9916C20.0835 14.5094 20.5032 14.9291 21.021 14.9291H31.0626C31.5804 14.9291 32.0001 14.5094 32.0001 13.9916V12.9208C32.0001 9.63546 29.3272 6.96252 26.0418 6.96252Z" fill="#050E49"/> <path d="M5.89166 17.0042C5.89166 16.9373 5.89291 16.8708 5.89416 16.8042H4.01916C3.94454 20.8229 5.89266 24.4537 8.90941 26.6647C9.17891 26.0926 9.51566 25.5583 9.90941 25.0717C7.46891 23.2264 5.89166 20.2996 5.89166 17.0042Z" fill="#050E49"/> <path d="M11.8627 7.77886C14.3562 6.61111 17.6437 6.61111 20.1372 7.77886C20.5818 7.26892 21.0912 6.81692 21.6525 6.43579C18.334 4.56711 13.6658 4.56717 10.3474 6.43579C10.9087 6.81692 11.418 7.26898 11.8627 7.77886Z" fill="#050E49"/> <path d="M26.1058 16.8042C26.1786 20.1535 24.5808 23.1959 22.0906 25.0717C22.4843 25.5582 22.821 26.0926 23.0906 26.6647C26.1072 24.4539 28.0555 20.8228 27.9808 16.8042H26.1058Z" fill="#050E49"/> <path d="M19.4812 20.5521C19.4812 18.6325 17.9195 17.0708 15.9999 17.0708C11.3815 17.2621 11.3828 23.8428 15.9999 24.0333C17.9195 24.0333 19.4812 22.4717 19.4812 20.5521Z" fill="#050E49"/> <path d="M16.0001 24.0333C12.7146 24.0333 10.0417 26.7063 10.0417 29.9916V31.0625C10.0417 31.5803 10.4615 32 10.9792 32H21.0209C21.5387 32 21.9584 31.5803 21.9584 31.0625V29.9917C21.9584 26.7063 19.2855 24.0333 16.0001 24.0333Z" fill="#050E49"/> </svg>
Multi-party involvement
<svg width="28" height="30" viewBox="0 0 28 30" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M27.6836 8.85644C27.4718 8.38449 27.162 7.96299 26.7748 7.61992C26.3877 7.27684 25.9319 7.02004 25.4379 6.86654C24.9439 6.71305 24.4229 6.66637 23.9095 6.72962C23.3961 6.79287 22.902 6.96459 22.46 7.23339L19.4844 9.04247C19.2403 9.19068 18.9594 9.26708 18.6738 9.26292C18.3883 9.25875 18.1097 9.17418 17.87 9.01892C17.6303 8.86365 17.4392 8.64396 17.3187 8.38507C17.1982 8.12617 17.1531 7.83854 17.1885 7.55517L17.6202 4.10107C17.6843 3.58776 17.6386 3.06667 17.486 2.57238C17.3334 2.07809 17.0774 1.62191 16.7351 1.23409C16.3927 0.84628 15.9718 0.535707 15.5003 0.322982C15.0287 0.110257 14.5174 0.000244141 14 0.000244141C13.4827 0.000244141 12.9714 0.110257 12.4998 0.322982C12.0283 0.535707 11.6074 0.84628 11.265 1.23409C10.9226 1.62191 10.6667 2.07809 10.5141 2.57238C10.3615 3.06667 10.3158 3.58776 10.3799 4.10107L10.874 8.05077C10.889 8.16847 10.868 8.28795 10.8138 8.39349C10.7596 8.49903 10.6747 8.58569 10.5703 8.64208L10.376 8.74808C10.2831 8.79889 10.1783 8.82384 10.0724 8.82032C9.96663 8.81681 9.8637 8.78495 9.7744 8.72808L8.04201 7.61767C7.37225 7.1893 6.55982 7.04432 5.78323 7.21458C5.00664 7.38484 4.32939 7.85642 3.90028 8.52571C3.47116 9.195 3.32528 10.0073 3.49469 10.784C3.66409 11.5608 4.13492 12.2386 4.80373 12.6684L6.46973 13.7363C6.5845 13.8098 6.67584 13.9146 6.73298 14.0383C6.79011 14.1621 6.81065 14.2996 6.79217 14.4346C6.77369 14.5696 6.71696 14.6965 6.62868 14.8003C6.54039 14.9042 6.42425 14.9806 6.29395 15.0205L2.57423 16.1616C2.07969 16.3133 1.62307 16.5685 1.23467 16.9102C0.846274 17.2519 0.534978 17.6722 0.321438 18.1434C0.107899 18.6146 -0.00299984 19.1258 -0.00390072 19.6431C-0.0048016 20.1604 0.104317 20.6719 0.316213 21.1438C0.52811 21.6158 0.83794 22.0372 1.22515 22.3802C1.61235 22.7233 2.06808 22.98 2.56209 23.1335C3.0561 23.2869 3.5771 23.3336 4.09052 23.2703C4.60393 23.2071 5.09802 23.0354 5.54001 22.7666L8.5156 20.9575C8.75971 20.8093 9.04066 20.7329 9.32621 20.7371C9.61176 20.7412 9.89035 20.8258 10.13 20.9811C10.3697 21.1363 10.5608 21.356 10.6813 21.6149C10.8019 21.8738 10.847 22.1614 10.8115 22.4448L10.3799 25.8989C10.3157 26.4122 10.3614 26.9333 10.514 27.4276C10.6666 27.9219 10.9226 28.3781 11.2649 28.7659C11.6073 29.1537 12.0282 29.4643 12.4997 29.677C12.9713 29.8897 13.4827 29.9997 14 29.9997C14.5173 29.9997 15.0287 29.8897 15.5002 29.677C15.9718 29.4643 16.3927 29.1537 16.735 28.7659C17.0774 28.3781 17.3333 27.9219 17.4859 27.4276C17.6385 26.9333 17.6843 26.4122 17.6201 25.8989L17.1289 21.9668C17.1148 21.8541 17.1336 21.7398 17.183 21.6375C17.2323 21.5353 17.3101 21.4495 17.4071 21.3904C17.504 21.3313 17.616 21.3014 17.7295 21.3044C17.843 21.3074 17.9532 21.3431 18.0469 21.4072L19.7305 22.5605C20.3871 23.0085 21.1946 23.1777 21.9758 23.0309C22.757 22.884 23.448 22.4332 23.8972 21.7774C24.3463 21.1215 24.5168 20.3143 24.3713 19.5328C24.2258 18.7514 23.7762 18.0596 23.1211 17.6094L21.4746 16.4819C21.3702 16.4103 21.2866 16.3123 21.2324 16.1979C21.1782 16.0835 21.1553 15.9567 21.166 15.8305L21.1865 15.6035C21.1987 15.4622 21.253 15.3278 21.3423 15.2176C21.4316 15.1074 21.5518 15.0265 21.6875 14.9853L25.4258 13.8383C25.9204 13.6868 26.3772 13.4317 26.7656 13.0901C27.1541 12.7484 27.4654 12.3281 27.679 11.8569C27.8925 11.3857 28.0034 10.8745 28.0042 10.3571C28.005 9.83983 27.8957 9.32829 27.6836 8.85644Z" fill="#00D08E"/> </svg>
Comorbidities
<svg width="26" height="20" viewBox="0 0 26 20" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M21.6616 12.8441C21.6438 12.836 21.1191 12.5632 20.8767 12.3999C20.8763 12.3999 20.3877 12.1007 20.1225 11.979C19.353 11.6259 18.954 11.5708 18.4331 11.5273C17.3689 11.4371 16.795 11.6468 15.2961 12.3163C14.5267 12.6598 10.4667 13.9266 9.82652 14.0984C9.50808 14.1839 9.31339 14.2536 9.08273 14.3655C8.92098 14.4438 8.85093 14.5027 8.8237 14.5308C8.49386 14.8719 8.42178 15.1902 8.5829 15.5948C8.7311 15.9669 9.12706 16.2565 9.59168 16.3329C9.75774 16.3604 9.94368 16.3545 10.1442 16.3159C10.1936 16.3075 14.6221 15.5524 16.3227 14.9751C16.4395 14.936 16.5661 14.9982 16.6056 15.1146C16.6451 15.2314 16.5827 15.3579 16.4661 15.3976C14.7318 15.9859 10.407 16.7235 10.2237 16.7546C10.0815 16.782 9.94242 16.7958 9.80828 16.7958C9.70884 16.7958 9.6122 16.7882 9.51935 16.773C8.89412 16.6703 8.37656 16.2821 8.16858 15.7597C8.08485 15.5494 8.04774 15.3482 8.0561 15.1544L2.58942 12.3215C2.5884 12.3211 2.58752 12.3206 2.5865 12.3202C1.88616 11.9928 1.22104 12.2708 0.925778 12.7143C0.622918 13.1693 0.694484 13.9001 1.33871 14.3355C1.34365 14.3388 1.34846 14.3424 1.35302 14.3461C5.02699 17.2831 11.3575 19.5123 11.421 19.5346C12.1626 19.7564 12.9572 19.7581 13.7094 19.5365C14.496 19.3047 15.566 18.8945 16.6009 18.4975C17.3085 18.2262 17.9766 17.9698 18.5665 17.7642C19.0662 17.5897 19.6171 17.5852 20.1173 17.7513L23.6612 18.9261L25.2463 14.0473C24.599 13.8535 22.4471 13.2004 21.6616 12.8441Z" fill="#050E49"/> <path d="M5.97473 1.27291L9.62222 2.70881C9.83046 2.79013 10.0671 2.68791 10.1498 2.47954L10.2257 2.28802C10.2657 2.18707 10.2639 2.07687 10.2208 1.97769C10.1779 1.87851 10.0987 1.802 9.99804 1.76235L6.35055 0.32646C6.30191 0.307333 6.25162 0.29834 6.20222 0.29834C6.04009 0.29834 5.88632 0.395874 5.82298 0.555601L5.74711 0.74712C5.70708 0.848073 5.70873 0.9584 5.75192 1.05771C5.79499 1.15676 5.87416 1.23327 5.97473 1.27291Z" fill="#050E49"/> <path d="M8.94141 5.59833L9.69241 5.81949L10.2207 4.4867L9.52091 4.1366L8.94141 5.59833Z" fill="#050E49"/> <path d="M19.6371 10.1678C20.1537 10.3711 20.7498 10.1121 20.9581 9.58737C21.0588 9.33315 21.0545 9.05537 20.9459 8.80495C20.8375 8.55491 20.638 8.36212 20.3841 8.26231L10.6304 4.66345L10.1111 5.97356L19.6371 10.1678Z" fill="#050E49"/> <path d="M8.10767 7.63006L8.18354 7.43854C8.22357 7.33759 8.22192 7.22726 8.17873 7.12795C8.13566 7.02877 8.05662 6.95227 7.95592 6.91262L4.30843 5.47673C4.25992 5.45773 4.20976 5.44861 4.16036 5.44861C3.9981 5.44861 3.84432 5.54627 3.78099 5.70599L3.70512 5.89751C3.66509 5.99847 3.66674 6.10867 3.70993 6.20785C3.75287 6.30703 3.83204 6.38354 3.93274 6.42318L7.58023 7.85908C7.78822 7.9409 8.02508 7.83843 8.10767 7.63006Z" fill="#050E49"/> <path d="M3.67651 8.75106V9.19933H8.89353V8.75106C8.89353 8.52914 8.7124 8.34851 8.48959 8.34851H4.08033C3.85765 8.34851 3.67651 8.52914 3.67651 8.75106Z" fill="#050E49"/> <path d="M3.43829 9.64551L3.2146 10.3238H9.34248L9.12943 9.64551H9.11663H3.45362H3.43829Z" fill="#050E49"/> <path d="M9.19593 3.74565L9.44483 3.11814L5.85763 1.70593L4.51978 5.08071L8.10698 6.49279L8.43669 5.6611L9.1958 3.74615L9.19593 3.74565Z" fill="#050E49"/> </svg>
Jurisdictional requirements
<svg width="28" height="28" viewBox="0 0 28 28" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M14.452 18.4088L21.5833 6.05675V4.66667C21.5833 3.05608 20.2772 1.75 18.6666 1.75H5.83329C4.22271 1.75 2.91663 3.05608 2.91663 4.66667V23.3333C2.91663 24.9439 4.22271 26.25 5.83329 26.25H18.6666C20.2772 26.25 21.5833 24.9439 21.5833 23.3333V17.7246L19.5043 21.3261C19.1969 21.8575 18.7646 22.316 18.2536 22.6526L16.709 23.6734C16.4015 23.8764 16.0463 23.9837 15.6817 23.9837C15.1684 23.9837 14.672 23.7685 14.3179 23.3928C13.9638 23.016 13.7859 22.5225 13.8174 22.0033L13.9276 20.1553C13.9644 19.5422 14.1458 18.9385 14.452 18.4082V18.4088ZM6.41663 5.25H11.6666C11.9892 5.25 12.25 5.51133 12.25 5.83333C12.25 6.15533 11.9892 6.41667 11.6666 6.41667H6.41663C6.09404 6.41667 5.83329 6.15533 5.83329 5.83333C5.83329 5.51133 6.09404 5.25 6.41663 5.25ZM6.41663 8.75H17.0858C17.4084 8.75 17.6691 9.01133 17.6691 9.33333C17.6691 9.65533 17.4084 9.91667 17.0858 9.91667H6.41663C6.09404 9.91667 5.83329 9.65533 5.83329 9.33333C5.83329 9.01133 6.09404 8.75 6.41663 8.75ZM11.8766 22.75H11.0833C10.8885 22.75 10.7065 22.6526 10.5985 22.491L9.91604 21.4702L9.54446 22.0296C9.35196 22.3055 9.04104 22.4508 8.71554 22.4123C8.39704 22.3761 8.12463 22.169 8.00446 21.8721L7.58329 20.8203L6.95796 22.3837C6.86696 22.6117 6.64763 22.7506 6.41604 22.7506C6.34371 22.7506 6.27079 22.7372 6.19963 22.7086C5.90038 22.589 5.75454 22.2495 5.87413 21.9503L6.49829 20.3869C6.67971 19.9401 7.10438 19.6525 7.58213 19.6525C8.05988 19.6525 8.48513 19.9401 8.66479 20.3846L8.87946 20.9212L8.94538 20.8227C9.15596 20.4977 9.51996 20.3 9.91488 20.3C10.3098 20.3 10.6738 20.4972 10.8885 20.8285L11.393 21.5833H11.8749C12.1975 21.5833 12.4582 21.8447 12.4582 22.1667C12.4582 22.4887 12.1975 22.75 11.8749 22.75H11.8766ZM13.0433 16.9167H6.41663C6.09404 16.9167 5.83329 16.6553 5.83329 16.3333C5.83329 16.0113 6.09404 15.75 6.41663 15.75H13.0433C13.3659 15.75 13.6266 16.0113 13.6266 16.3333C13.6266 16.6553 13.3659 16.9167 13.0433 16.9167ZM6.41663 13.4167C6.09404 13.4167 5.83329 13.1553 5.83329 12.8333C5.83329 12.5113 6.09404 12.25 6.41663 12.25H15.0616C15.3842 12.25 15.645 12.5113 15.645 12.8333C15.645 13.1553 15.3842 13.4167 15.0616 13.4167H6.41663Z" fill="#00D08E"/> <path d="M25.3429 8.87897L26.0622 7.63297C26.4489 6.9633 26.2191 6.10697 25.55 5.7208L24.9439 5.3708C24.2743 4.98405 23.4179 5.21389 23.0318 5.88297L22.3125 7.12897L25.3429 8.87897Z" fill="#00D08E"/> <path d="M21.7286 8.13926L15.4625 18.9928C15.2449 19.369 15.1183 19.7913 15.0926 20.2248L14.9818 22.0733C14.9474 22.6491 15.585 23.0172 16.0662 22.6993L17.6121 21.679C17.9749 21.4393 18.2771 21.119 18.4941 20.7422L24.7602 9.88867L21.7292 8.13867L21.7286 8.13926Z" fill="#00D08E"/> </svg>
Special claims handling agreements
Driving better outcomes with proactive actions on the right claims

EvolutionIQ simplifies the complex with human-centric AI. We turn messy claims data into a clear action plan, freeing up your claims team to do what they do best: help people through tough times.

Purpose-built to elevate claims professionals across lines of business

Group & Individual Disability

Proactively direct efforts to the right claim at the right time. Manage claim duration, facilitate return-to-work, and focus on claimant experience

Workers' Compensation

Enable your frontline team to efficiently manage exposure, proactively navigate medical and jurisdictional complexity while delivering high quality customer services.

Income Protection

Designed to support claims professionals in ensuring timely, quality care for ill & injured workers

Don’t just take our word for it

Kara Hoogensen

SVP Specialty Benefits, Principal Financial Group

To me it's best summed up by a note I got from one of my claims leaders…. ‘This is by far the best technology to support the evolution of claims and the claimant experience’ that she's ever seen in her 20+ year career.

Scott Boutin

Chief Claims Officer, Reliance Matrix

As we looked at the data, we realized: this could be huge. And it kept getting better; having an impact on the business quickly. That’s what gave us confidence to lean into innovation.

Adam Fisher

Chief Data Officer, Sedgwick

It actually solves two problems. It helps figure out how to get the right care at the right time for that claimant and then it also reduces the duration and the cost of the claim.

Build technology that changes lives with us

Be part of a team whose technology has already helped tens of thousands of people and is helping more every single day.