# Claims management software development > Claims management software runs a claim from first notice of loss (FNOL) to settlement: intake, document and photo capture, assignment to adjusters or surveyors, reserves, approvals, payments and recovery. Infikey builds claims platforms with customer apps, AI document extraction and fraud flags. Typical builds cost USD 40,000–100,000. Claims that move from first notice to settlement in one tracked workflow, with fewer phone calls and faster decisions. - **Budget:** USD 40k–100k (INR 32–80 lakh) - **Lines:** Motor, health, property, travel, commercial - **AI:** Document extraction, triage, fraud signals ## Claims workflow features | Stage | Features | |---|---| | FNOL | Web, app, WhatsApp and call-centre intake, policy validation, coverage checks | | Evidence | Photo and video upload, document checklists, OCR of bills and estimates | | Assignment | Rules-based routing to adjusters, surveyors, garages or hospitals by location and skill | | Assessment | Reserves, assessment reports, video surveys, approval limits by role | | Settlement | Payment to customer or provider, deductible handling, settlement letters | | Recovery | Subrogation, salvage and reinsurance recovery tracking | | Oversight | SLA timers, ageing reports, complaint links, audit trail of every decision | ## Where AI helps, and where it should not decide alone - **Document extraction**: reads hospital bills, repair estimates and invoices into structured fields for review. - **Triage**: separates simple claims for fast-track handling from complex ones that need an expert. - **Fraud signals**: duplicate invoices, unusual timing, repeated providers or edited images are flagged for investigation. - **Customer updates**: plain-language status messages generated from claim events. Final decisions stay with a person, with the reasons recorded. Regulators such as IRDAI in India, the FCA in the UK and US state insurance departments expect fair, explainable claims handling. See our [AI services](https://infikeytechnologies.com/services/ai) for how we build reviewable AI features. ## Cost | Scope | Budget (USD) | Budget (INR) | |---|---|---| | Claims workflow for one line with customer portal | 40,000–60,000 | 32–50 lakh | | Multi-line claims with surveyor and provider apps | 60,000–100,000 | 50–80 lakh | | Add AI document extraction and fraud flags | +15,000–30,000 | +12–25 lakh | These are planning ranges, not quotes. The [AI automation ROI calculator](https://infikeytechnologies.com/tools/ai-automation-roi-calculator) helps size the savings from automation. ## Project blueprint: Claims workflow for a health insurance third-party administrator Based on the requirements we hear most often from buyers like this. A third-party administrator processes health claims from hospitals and members. Documents arrive by email and courier, claims sit in shared inboxes, and members call repeatedly for status updates. What we would build: - Claim intake from hospital portal, member app and email - Document checklists with OCR of bills and discharge summaries - Rules-based routing to medical and claims teams by complexity - Approval limits, settlement letters and payment files - Fraud flags for duplicate bills and unusual patterns, reviewed by staff How success is measured: - Claim turnaround time from complete documents to decision - Claims returned for missing documents - Status calls from members and hospitals - Flagged claims confirmed as leakage ## Frequently asked questions ### Can it connect to our policy administration system? Yes. We read policy and coverage data through APIs or database integration, so claims are validated against the live policy rather than re-keyed. ### Do you support cashless claims with hospitals or garages? Yes. Network providers get their own portal to submit pre-authorisation requests, estimates and final bills, and the system tracks approvals and payments. ### How much can automation reduce claim handling time? It depends on your current process. The biggest gains usually come from digital document capture, automatic routing and status updates, which remove waiting and phone calls rather than replacing adjusters. ## Related guides - [Insurance software development company](https://infikeytechnologies.com/industries/insurance): Infikey Technologies builds insurance software: agency and broker management systems, policy administration, claims management platforms, cu... - [KYC and AML software development](https://infikeytechnologies.com/industries/fintech/kyc-aml-software): KYC and AML software verifies who a customer is (documents, biometrics, government databases), screens them against sanctions, PEP and adver... - [Hospital management system development](https://infikeytechnologies.com/industries/healthcare/hospital-management-system): A hospital management system (HMS or HIS) digitises hospital operations: patient registration, OPD and IPD, billing, pharmacy, lab, radiolog... - [Law firm case management software development](https://infikeytechnologies.com/industries/professional-services/law-firm-case-management-software): Law firm case management software organises a firm’s matters: client intake and conflict checks, case details, hearing and limitation deadli... - [Fintech software development company](https://infikeytechnologies.com/industries/fintech): Infikey Technologies builds fintech software: loan management systems, digital wallets, payment gateway integrations, KYC and AML onboarding... - [Healthcare software development company](https://infikeytechnologies.com/industries/healthcare): Infikey Technologies builds healthcare software: telemedicine apps, hospital management systems, EHR/EMR platforms, clinic software and phar... - [Fleet management software development](https://infikeytechnologies.com/industries/logistics/fleet-management-software): Fleet management software tracks vehicles in real time and manages trips, fuel, maintenance, tyres, drivers and compliance documents. Infike... --- Source: https://infikeytechnologies.com/industries/insurance/claims-management-software Publisher: Infikey Technologies Private Limited (software, mobile app, AI and cloud development; offices in India, UAE, UK and US). Last updated: 2026-10-19 Get an estimate: https://infikeytechnologies.com/contact Cost figures are planning ranges, not quotes. Final scope and price are confirmed after discovery.