Another monolithic legacy stack won't cut for modern insurers - they need nimble, digital tools that streamline everyday workflows.
By embracing open, API-driven solutions, carriers can instantly capture claims data, trigger automated assignments, and surface insights without fighting decade-old software.
The result is faster adjuster decisions, happier policyholders, and far less IT duct tape.
Claims Management Software Explained
Claims management software is a digital solution used by insurance companies to handle, process, and track insurance claims throughout their lifecycle - one of the key processes in the day-to-day operations of every insurer.
It automates everything from intake and assessment to documentation, communication, and settlement, replacing the slow, error-prone mix of spreadsheets, siloed systems, and paper.
With data centralized and workflows orchestrated, adjusters, underwriters, policyholders, and vendors finally share real-time visibility and scale.
Why does this matter especially in 2025?
Because the volume, velocity, and variety of claims keep rising.
Global spend on claims-processing software is projected to jump from about $42 billion in 2024 to roughly $45.7 billion this year, with double-digit growth still ahead as carriers double-down on digitization.
What's more, these days claims management software often goes beyond simple file-tracking and document management - in 2025 insurers can embed AI that flags potential fraud, auto-routes tasks to the next specialist and even pre-fills damage estimates using computer-vision models, making their claims management solutions real power tools for the whole organization.
Key Features of Insurance Claims Management Software
Here are six functions you’ll see referenced again and again in 2025 product brochures – these
- Automated Workflow Management – Automates routing, notifications, documents and approvals, slashing manual effort and cycle times.
- First Notice of Loss (FNOL) Capture – Digital portals and mobile apps collect first notice with real-time validation and pre-filled fields for speed and accuracy.
- Integrated Document Management – Centralises all files and communications, keeping teams aligned and audit-ready.
- Analytics & Reporting – Dashboards plus AI-powered natural-language queries surface KPIs and trends for continuous improvement.
- Customisable Rules & Workflows – Drag-and-drop configuration lets insurers tailor flows, decision rules and automated actions—no coding required.
- Open APIs & Integrations – Real-time connectivity with policy, CRM, payment and fraud systems ensures a seamless data ecosystem.
Best Claims Management Software System of 2025
Openkoda Claims Management
Openkoda is an insurtech platform designed to help insurers build and customize their own claims management systems with speed and control.
Because its core is built upon an open source tech stack including Java, insurers own the code outright, can modify it at will, and avoid completely the user-based pricing.
Deployment is equally flexible: run it as a multi-tenant SaaS, host it on your preferred public cloud, or drop it into an on-prem Kubernetes cluster.
With domain-specific templates – including insurance claims management, policy management, embedded insurance, and insurance automation accelerators – Openkoda lets organizations deploy operational platforms fast, then tailor everything, from workflows to user interfaces, to their unique needs.
Key Features
- Pre‑built claims management and insurance policy application modules, delivering up to 60 % faster development cycles.
- Reporting AI – An advanced reporting tool that can generate SQL queries from natural language prompts that can later be used in visualized dashboards, and shareable reports designed for insurance teams.
- API‑first, event‑driven architecture offering REST/GraphQL connectivity and easy integration across legacy systems and third-party tools.
- Rich business process automation – dynamic workflows, seamless data exchange, event listeners, notifications, job scheduling, and document generation (PDF/Word/Excel).
- Role‑based security, audit trails, multi‑tenancy support, and GDPR‑ready compliance features out of the box.
- No per‑user licensing – the platform supports unlimited users under fixed pricing, helping insurers scale without surprises.
Guidewire ClaimCenter
Guidewire ClaimCenter is a widely adopted claims management software designed for property and casualty (P&C) insurance providers managing personal, commercial, and workers’ compensation lines.
Unlike more lightweight or general-purpose platforms, it offers a highly structured architecture designed to support complex claims operations.
What sets ClaimCenter apart is its native integration with Guidewire’s broader InsuranceSuite – including policy, billing, and underwriting modules.
Key Features
- Seamless integration with Guidewire PolicyCenter and BillingCenter for full-suite insurance lifecycle management.
- Modular add-ons like Guidewire Predict and Explore for real-time analytics, severity forecasting, and benchmarking.
- Advanced claims segmentation and triage, enabling complex business rules and prioritization models.
Duck Creek Claims
Duck Creek Claims is a comprehensive, cloud-native claims management platform that helps insurers streamline operations and reduce manual processes from FNOL all the way to settlement.
It’s designed to modernize legacy insurance systems, automate repetitive tasks, and let insurers focus on higher-value work – making the claims process faster, more accurate, and more transparent for both staff and policyholders
Key Features
- Automated workflows for claim intake, evaluation, and settlement, which help reduce reliance on manual processes and improve consistency across the claims lifecycle.
- Triage and assignment tools that support rules-based and data-informed claim routing to appropriate adjusters or teams based on various factors.
- Real-time dashboards and reporting, giving insurers access to up-to-date claims data for tracking performance metrics and identifying operational trends.
Origami Risk
Origami Risk offers a unified, cloud-native SaaS platform that combines claims administration with policy, billing, risk, and analytics modules.
What sets Origami apart is the platform’s seamless convergence of claims management with broader risk and policy administration capabilities.
That unified data model enables insurers to manage claims lifecycle end‑to‑end while accessing rich analytics and workflow automation – all without switching environments.
Key Features
- Unified SaaS platform combining policy, billing, claims, and analytics on a single multitenant system, avoiding disparate point solutions
- Low‑code configurability: insurers and administrators can modify workflows, data fields, rules, and processes without custom coding.
- Legacy data migration support: tools and expert services assist insurers in consolidating historical claims data into the Origami platform.
FileHandler
FileHandler, also known as FileHandler Enterprise, is a legacy claims management software that insurance providers and third-party administrators (TPAs) have used for decades.
It supports the entire claims cycle – from first notice of loss (FNOL) through case resolution and final payments – within a single platform, helping reduce claims cycle time and simplify the oversight of claim activities but is a bit outdated compared to more modern solutions. It's best for more traditional insurers.
Key Features
- Full claims lifecycle management – Supports FNOL intake, assignment, evaluation, payments, and closure in one unified system
- Workflow automation based on business rules – Users can configure automatic tasks, notifications, and case routing to reduce manual interventions and accelerate claims processing
- Case, document, and claims data management – Centralizes documentation, attachments, audit logs, and communication history in a structured repository for compliance and tracking
For more details about these insurance claims systems check out the full article in the link below:
Top comments (0)