Insurance

Claims processed in hours. Not weeks.

Q: What's the typical claim-package processing time?

Most auto and home claims (5-10 supporting documents) process end-to-end in under 90 seconds — including photos, police reports, and repair estimates. Larger claims with medical bills typically run 2-3 minutes.

Q: How does fluex detect claim fraud?

Multiple signals: image manipulation detection on submitted photos, vendor pattern flags (suspicious repair-shop history), duplicate-claim cross-reference within tenant data, and inconsistencies across the bundle (e.g., date mismatches between FNOL and police report). All signals are surfaced to your SIU team with reasoning.

Q: Does fluex handle medical bills for PIP/UM claims?

Yes. Medical bills are parsed to CPT-code level with charges, allowed amounts, and provider taxonomy. Fee-schedule comparison is configurable per state PIP/UM/MedPay rules.

Q: How long do you retain claim documents?

Default 7 years to align with most state-level claims-retention requirements. Configurable per workflow — some customers retain longer for litigation-hold purposes.

Q: Can we use fluex for subrogation document analysis?

Yes. The platform extracts and normalizes documents from at-fault parties, third-party carriers, and recovery vendors. The same audit trail applies to subro packages as to original claims.

FNOL forms, medical invoices, repair estimates, and supporting documents pile up in claims. Manual triage delays straight-through processing, frustrates policyholders, and inflates loss adjustment expense. fluex structures every document the moment it arrives.

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The challenge

Claims documents are high-volume, high-stakes, and highly variable.

First notice of loss triage

FNOL submissions vary widely in format and completeness. Manual review to determine coverage and reserve levels delays every downstream step and increases loss adjustment expense per claim.

Medical invoice line-item accuracy

Medical billing codes, procedure descriptions, and itemised charges need accurate extraction for adjudication and fraud checks. Misread codes cause incorrect payments and audit findings.

Repair estimate reconciliation

Multiple repair estimates for the same claim need structured extraction to compare line items and flag outliers. Manual comparison at scale is impractical and inconsistent.

How fluex helps

Structured from first notice. STP-ready by default.

fluex extracts FNOL, medical invoices, repair estimates, and supporting documents simultaneously — triggering straight-through processing for high-confidence claims without human triage.

FNOL structured extraction — incident date, coverage code, claimant details, and supporting document inventory extracted from any FNOL format at intake.
Medical invoice line-item parsing — CPT codes, diagnosis codes, billed amounts, and provider details extracted as structured arrays, not raw text, ready for adjudication.
Repair estimate comparison — line items extracted from multiple estimates and automatically diff'd to surface material discrepancies for adjuster review.
STP triggers on high-confidence extractions — clean, high-confidence claims trigger automatic reserve creation and coverage checks without adjuster triage.

Motor claim — FNOL extraction result

claim_typeMotor — rear collision

policy_no✓ AUTO-2024-883421

incident_date2026-04-18

claimantRobert M. Taylor

vehicle_regABC-1234 (NY)

estimated_lossUS$ 14,200

coverage_check✓ Comprehensive — confirmed

stp_eligibleYes — reserve triggered

Triaged in 3.8s · no adjuster needed

60%

Reduction in claim triage time

99.5%

Field extraction accuracy

<4s

Per document extraction

100%

STP-eligible claims identified

Insurance specifics

Claims processed straight through.

Insurance claims pile up because they arrive as multi-document bundles in different formats. FNOL forms, police reports, repair estimates, medical bills — each in a different layout, all needing structured extraction before a handler can decide anything. fluex's insurance configuration handles the bundle as a unit: every supporting document parsed, normalized into a single claim record, with straight-through-processing rules that resolve the simple cases automatically.

Multi-document bundles

FNOL + police report + repair estimates + medical bills + photos — merged into one structured claim record with cross-document validation.

Medical bill normalization

CPT codes, ICD-10 codes, charges, allowed amounts, provider taxonomy — normalized across hospital, clinic, and provider invoices for fee-schedule comparison.

STP rules engine

Configurable straight-through-processing thresholds: loss amount, document completeness, fraud score, policy match. Auto-approve vs route-to-handler with full reasoning logged.

SIU-grade fraud signals

Document forensics (image manipulation detection, duplicate-claim cross-reference, vendor pattern flags) ship out-of-the-box for SIU teams.

Carrier integrations

Lives where your claims system already runs.

fluex integrates with the major P&C and life-insurance carrier platforms — so extracted claim data flows directly into your loss-adjustment workflow without an intermediate data-entry step.

Guidewire — ClaimCenter integration via Guidewire's REST APIs. Extracted bundle data pushed as claim documents with structured fields populated for the FNOL workflow.
Duck Creek — Native integration with Duck Creek Claims. Multi-document bundles arrive as a structured claim package, ready for the handler queue.
Insurity — API integration with Insurity Policy & Claims. Loss-event data flows into reserves and reinsurance reporting automatically.
Sapiens — Connector for Sapiens IDIT and CoreSuite. Extracted claim data populates the claims system with full document provenance.
FNOL channels — Carrier app, web portal, agent intake, third-party adjuster — fluex handles all four ingestion paths with the same downstream schema.

FAQ

Common questions.

What's the typical claim-package processing time?