Travel Insurance Claims Straight-Through Processing: Auto-Settlement in Hours, Not Days

// the problem

High-volume travel claims arrive as emails, PDFs, images, scans, and handwritten forms — each "simple" baggage claim involves 6+ document types in multiple languages and currencies. Legacy rule engines cannot read context or intent — OCR without reasoning creates data garbage, not structured claims. Adjusters spend 80% of their time chasing missing documents instead of making adjudication decisions. Low-severity claims like lost luggage cost the same to process manually as complex medical cases — destroying unit economics at scale. Customers are forced to repeat information they already submitted, eroding trust.

// what CLU does

CLU's Neural Grid decomposes each claim into cognitive tasks (Vision, Logic, Communication) rather than linear process steps — specialized agents handle each dimension simultaneously. The Decision Engine calculates payable amounts, applies deductibles, and prepares payment. If confidence exceeds 95%, claims auto-settle straight-through. Below that threshold, cases route to a Human Adjuster Dashboard with full context. The system processes receipts in EUR/USD/mixed currencies, airline baggage reports, and flight itineraries — all understood contextually, not just OCR'd. Customers never upload the same document twice.

// the agents, in order

1. 1
   Cognitive Intake Agent

   Receives claim across all formats (PDF, image, email, form) — decomposes into cognitive tasks and routes to specialized agents simultaneously, not sequentially
2. 2
   Vision Agent

   Reads receipts, baggage reports, and flight itineraries in multiple currencies and languages — contextual reasoning, not just OCR
3. 3
   Logic Agent

   Cross-references all evidence against policy conditions, applies deductibles, and calculates payable amount with full audit trail
4. 4
   Completeness Agent

   Identifies any missing evidence and requests only what is needed — customer never repeats information already submitted
5. 5
   Decision Engine

   Calculates confidence score for auto-settlement — above 95% triggers immediate payment, below 95% routes to Human Adjuster Dashboard with complete context
6. 6
   Communication Agent

   Sends real-time status updates with transparent decision explanations — claim experience feels human even when fully orchestrated

// systems it talks to

• Multi-Format Intake (PDF/Image/Email)
• OCR + Contextual Reasoning Engine
• Policy Rules Engine
• Payment Gateway
• Human Adjuster Dashboard
• Customer Comms API

// more cases in P&C Insurance

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• P&C Claims Vendor Coordination Automated: Inspectors, Adjusters and Contractors in 6 Days Instead of 18Complete third-party vendor lifecycle orchestrated autonomously — from assignment to invoice approval. Vendor cycle compressed from 18 days to 6 days with zero email/phone relay.
• Florida P&C Claims Deadline Compliance: 14/30/90-Day Statutory Tracking Without Blind SpotsEvery open claim is a ticking compliance clock. CLU intercepts before breach — autonomously monitoring every claim against Florida's 14/30/90-day statutory deadlines with zero blind spots.
• Liability Underwriting Submissions Automated: Broker Emails to Quote 70% Faster9-agent swarm orchestrates every submission from data-sludge intake to broker-ready quote — 100% appetite consistency, 80% less operational effort.
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• TPD Disability Claims Screening Automated: Medical, Policy and Financial Logic in One PassMedical + policy logic resolved in parallel. 4-layer complexity (Medical · Legal · Financial · Human) processed in one pass with proactive reserve intelligence.
• Motor Claims Lifecycle Automated from FNOL to Subrogation, with 30–40% Less FraudBefore · During · After — Risk DNA profiling, autonomous FNOL decisioning, subrogation recovery, and lifecycle intelligence orchestrated as one continuous loop.
• Health Insurance Policy Retention: Churn Signals Detected Before the Renewal Window Opens6-agent Smart Policy Engine compares plans dynamically, personalizes offers by usage and churn risk, and engages customers conversationally — before they stop renewing.
• Kinesiology Claims Fraud Detection: False Licenses, Session Inflation and Rings Caught Before PaymentCLU + Aictive: Gatekeeper, Enforcer, and Watchdog layers detect false licenses, session inflation, and organized rings — pre-payment, not post-investigation.