Every claim comes back to the policy.
HIVO gives claims, underwriting, servicing and finance one way to read each policy and claim, and to decide on it with the record behind them.
The claim is one event. The company reads it in four systems.
The policy is one document. Each team reads its own copy.
The claim is paid when the claims manager says so.
The agent finds it and drafts the fix. A person decides, and the decision is recorded.
Claims check agentProposes
Pay claim CL-20417
$27,200
Claims manager
Approve the payment?
- Read
- Checked
- Routed
- Decided
- Recorded
What changes.
Every claim read against its policy
Each line is checked against the cover, the limits and the excess before anyone pays.
Decisions within authority
Payments and declines route by amount to the person who holds the authority.
A file anyone can follow
Who decided what, when, and on which clause, on a record no one can quietly change.
See your claims on HIVO.
Tell us where a claim waits longest today, and who decides it. HIVO works alongside the policy administration and claims systems you run.