Automate Insurance Claims with Blockchain: Slash Fraud, Settle Instantly
Move beyond slow, fraud-prone legacy systems.
Leverage our AI-enabled blockchain solutions to build a new foundation of trust, transparency, and speed for your entire claims lifecycle.
The High Cost of an Outdated Claims Process
The traditional insurance claims process is a bottleneck of inefficiency, manual verification, and rampant fraud, costing billions annually and eroding customer trust. It's a system struggling under the weight of its own complexity.
Rampant Fraud
Fragmented data and manual checks create opportunities for duplicate claims, inflated costs, and organized fraud rings, leading to significant financial losses.
Glacial Payouts
The back-and-forth between adjusters, policyholders, and third parties drags out settlement times, causing customer frustration and increasing administrative overhead.
Operational Inefficiency
Data re-entry, paperwork, and reconciliation across siloed systems consume valuable resources, drive up operational costs, and introduce human error.
Lack of Transparency
Policyholders are often left in the dark about their claim's status, leading to a poor customer experience and a high volume of support inquiries.
Compliance & Disputes
Creating a clear, indisputable audit trail for regulators is complex and costly. Disputes over claim details are common and difficult to resolve efficiently.
Data Silos
Critical information is scattered across different departments and external partners, making it impossible to get a single, unified view of a claim.
Why Errna for Blockchain-Powered Insurance Solutions?
We don't just build blockchain; we engineer trust. Our deep insurance domain knowledge, combined with CMMI Level 5 process maturity and AI-augmented development, ensures your solution delivers measurable ROI, not just technical novelty.
Enterprise-Grade Security
With SOC 2 and ISO 27001 certifications, we build secure, permissioned blockchain networks that protect sensitive policyholder data and meet stringent regulatory requirements.
AI-Augmented Fraud Detection
We go beyond standard blockchain by integrating AI and machine learning models to analyze claim patterns on-chain, proactively flagging suspicious activity in real-time.
Seamless Legacy Integration
Our experts specialize in connecting blockchain solutions with your existing core systems (Guidewire, Duck Creek, etc.) via secure oracles and APIs, ensuring a smooth transition without disrupting operations.
Mature, Verifiable Processes
As a CMMI Level 5 appraised company, our development lifecycle is optimized for predictability, efficiency, and quality, minimizing risk and ensuring on-time, on-budget delivery.
Vetted, In-House Experts
We provide a dedicated team of 100% on-roll blockchain architects, smart contract developers, and insurance domain specialists. No freelancers, no communication gaps.
Rapid, ROI-Focused Deployment
We prioritize use cases with the highest business impact, like First Notice of Loss (FNOL) automation and subrogation, to deliver tangible results and a clear return on investment quickly.
Full IP Ownership & Transparency
You retain 100% of the intellectual property. Our engagement models are transparent, and we offer a paid 2-week trial to demonstrate our value before you commit.
End-to-End Lifecycle Support
From initial feasibility studies and PoCs to full-scale deployment, infrastructure management, and 24x7 support, we are your long-term technology partner.
Global Delivery, Proven Success
With over two decades of experience and 3000+ successful projects, we have a proven track record of delivering complex solutions for a global clientele, including Fortune 500 companies.
Our Blockchain for Insurance Claims Services
We offer a complete suite of services to guide you from initial concept to a fully operational, enterprise-scale claims automation platform.
Blockchain Feasibility & ROI Analysis
We assess your current claims process to identify the highest-impact use cases for blockchain, delivering a clear roadmap with projected ROI and implementation timelines.
- Pinpoint key pain points and inefficiencies.
- Model potential cost savings and fraud reduction.
- Recommend the optimal blockchain platform (e.g., Hyperledger Fabric, Corda).
Smart Contract Architecture Design
Our architects design the core logic of your claims process, creating self-executing contracts that automate validation, processing, and payments based on predefined rules.
- Map complex business rules to immutable code.
- Design for upgradability and future enhancements.
- Ensure gas efficiency for public/hybrid networks.
Regulatory Compliance Consulting
We help you navigate the complex regulatory landscape, ensuring your blockchain solution is designed to comply with data privacy laws like GDPR, HIPAA, and industry-specific mandates.
- Implement on-chain data privacy and access controls.
- Design for data residency and sovereignty requirements.
- Ensure auditability for regulatory reporting.
Proof of Concept (PoC) & MVP Development
We quickly build a functional prototype to validate the concept with key stakeholders, test core assumptions, and demonstrate the value of blockchain before a full-scale investment.
- Develop a working model in weeks, not months.
- Test key functionalities like FNOL submission and automated verification.
- Gather user feedback for iterative improvement.
Custom Claims Management dApp Development
We build intuitive web and mobile decentralized applications (dApps) for all stakeholders (policyholders, adjusters, providers) to interact with the blockchain network securely.
- Role-based dashboards for tailored user experiences.
- Secure document upload and evidence management.
- Real-time claim status tracking and notifications.
Parametric Insurance Smart Contracts
Develop smart contracts for "event-triggered" insurance products (e.g., flight delay, crop insurance) that automatically execute payouts when a verifiable data event occurs, eliminating the need for a traditional claims process.
- Integrate with trusted data oracles (weather, flight data).
- Enable instant, automated claim settlement.
- Drastically reduce administrative costs for specific products.
Subrogation & Recovery Automation
We create a shared ledger for multiple insurers to streamline the subrogation process, automating the identification, negotiation, and settlement of claims between carriers.
- Create a single source of truth for liability.
- Automate fund transfers between insurers.
- Reduce lengthy and costly legal disputes.
Decentralized Identity (DID) for KYC
Implement DID solutions to give policyholders control over their identity, allowing for secure, reusable, and instant verification across the insurance ecosystem, reducing onboarding friction.
- Streamline customer onboarding and verification.
- Enhance data privacy and security.
- Reduce redundant KYC checks for partners.
Legacy System & Core Platform Integration
Our core strength is connecting your new blockchain platform with existing systems of record, policy administration, and payment gateways for a unified operational workflow.
- API development for Guidewire, Duck Creek, and other core systems.
- Secure data synchronization between on-chain and off-chain databases.
- Ensure business continuity during migration.
IoT & Telematics Oracle Integration
We connect your blockchain to IoT devices (e.g., vehicle telematics for auto insurance, smart home sensors for property insurance) to automate First Notice of Loss (FNOL) and provide real-world data for claims validation.
- Automate damage detection and claim initiation.
- Provide immutable, verifiable data for claim assessment.
- Enable usage-based insurance (UBI) models.
AI & ML Model Integration for Fraud Detection
We deploy AI models that analyze on-chain transaction data to identify anomalous patterns, predict fraudulent activities, and score claims for risk in real-time.
- Detect sophisticated fraud rings and collusive behavior.
- Automate the flagging of high-risk claims for manual review.
- Continuously learn and adapt to new fraud vectors.
Third-Party Provider Network Onboarding
We develop streamlined onboarding processes and interfaces for your network of third-party providers (repair shops, medical facilities) to join the blockchain, enabling transparent and automated invoicing and payments.
- Create a trusted, shared ledger for service validation.
- Automate invoice submission and payment processing.
- Reduce disputes and reconciliation overhead.
Smart Contract Security Audits
Our security experts conduct exhaustive audits of your smart contracts to identify vulnerabilities, potential exploits, and logical errors before deployment, safeguarding your platform from costly attacks.
- Comprehensive code review and static analysis.
- Penetration testing and simulated attack scenarios.
- Ensure adherence to security best practices.
Blockchain Network Monitoring & Maintenance
We provide ongoing management and monitoring of your blockchain infrastructure to ensure high availability, performance, and health of the network nodes and services.
- 24x7 performance and uptime monitoring.
- Node management, updates, and patching.
- Disaster recovery and business continuity planning.
Governance Model & Consortium Management
For multi-party solutions, we help establish clear governance frameworks that define rules, roles, and permissions for all participants, ensuring the long-term health and integrity of the consortium.
- Define on-chain and off-chain governance rules.
- Facilitate participant onboarding and offboarding.
- Manage network upgrades and protocol changes.
Real-World Impact: Our Success Stories
We've helped insurers transform their operations with tangible, blockchain-driven results. Explore how we've tackled their biggest challenges.
Automating Auto Claims & Subrogation for a Top-10 Carrier
Industry: Property & Casualty (P&C) Auto Insurance
Client Overview
A leading national auto insurer was struggling with a high volume of low-value claims, a complex subrogation process with other carriers, and rising fraud related to parts and repairs. Their manual, paper-intensive workflow resulted in long settlement times and a poor net promoter score (NPS).
"Errna's solution created a single source of truth that was previously unimaginable. The efficiency gains in our subrogation department alone paid for the project in under 18 months. It's been a paradigm shift."
The Problem
The client needed to reduce the administrative burden of claims processing, accelerate inter-carrier payments for subrogation, and create a transparent, auditable record from First Notice of Loss (FNOL) to final settlement.
Key Challenges
- Integrating with a network of over 5,000 independent repair shops.
- Establishing a shared, trusted ledger with three other major insurance carriers.
- Automating FNOL using telematics data without compromising driver privacy.
- Ensuring the solution could scale to handle over 1 million claims annually.
Our Solution
We developed a permissioned blockchain solution on Hyperledger Fabric, creating a consortium network for the client and their partners. The solution included:
- A mobile dApp for policyholders to submit FNOL with timestamped, geolocated photos.
- Integration with telematics data providers via secure oracles to auto-verify accident details.
- Smart contracts that automated damage estimation, repair authorization, and invoicing with the repair shop network.
- A dedicated subrogation module that automatically calculated liability and triggered net settlements between carriers on a weekly basis.
Streamlining Provider Payments for a Regional Health Insurer
Industry: Health Insurance
Client Overview
A regional health insurance provider faced significant challenges with provider data management, credentialing, and claims reconciliation. Disputes with hospitals and clinics over billing codes and patient eligibility were common, leading to delayed payments and high administrative costs.
"The transparency Errna delivered has transformed our relationship with our provider network. Billing disputes have nearly vanished, and our credentialing process is now 80% faster. This is the future of healthcare administration."
The Problem
The insurer needed a single, immutable source of truth for provider credentials and patient eligibility that could be securely shared across their network. They aimed to automate the adjudication of simple claims and eliminate the costly reconciliation process.
Key Challenges
- Ensuring HIPAA compliance for all on-chain data.
- Onboarding a diverse network of over 200 healthcare providers with varying technical capabilities.
- Handling complex medical billing codes and pre-authorization rules.
- Integrating with their existing electronic health record (EHR) and billing systems.
Our Solution
We implemented a private blockchain solution that served as a shared ledger between the insurer and its provider network. Key features included:
- A decentralized identity system for providers to manage and share their credentials securely.
- Smart contracts that checked patient eligibility and pre-authorizations in real-time at the point of service.
- An automated claims adjudication engine that processed and approved standard claims based on predefined rules the moment they were submitted.
- A secure messaging and data-sharing layer that was fully HIPAA compliant.
Enabling Parametric Insurance for a Commercial Property Insurer
Industry: Commercial Property & Reinsurance
Client Overview
A specialized insurer providing coverage for commercial properties against natural disasters (e.g., hurricanes, earthquakes) wanted to launch an innovative parametric insurance product. Their goal was to offer instant payouts based on verifiable, independent event data, rather than a lengthy and subjective loss adjustment process.
"Errna's team grasped the concept of parametric insurance immediately and built a robust, oracle-integrated smart contract system that works flawlessly. We were able to go to market with a revolutionary product in just six months."
The Problem
The client needed a trustless system that could automatically trigger and pay claims when specific, predefined event parameters were met (e.g., wind speed exceeding 100 mph at a specific location). This required a secure way to ingest external data and execute payments without manual intervention.
Key Challenges
- Identifying and integrating with multiple, reliable data oracles for weather and seismic events.
- Designing smart contracts with complex, multi-tiered payout structures.
- Ensuring the system was secure against data manipulation from a compromised oracle.
- Building a user-friendly interface for policyholders to track event triggers and payouts.
Our Solution
We built a solution on the Ethereum blockchain, leveraging its mature smart contract capabilities and oracle ecosystem. The platform featured:
- Integration with Chainlink, a decentralized oracle network, to pull data from multiple trusted sources like NOAA and USGS.
- Smart contracts that held premium funds in escrow and automatically released payouts to affected policyholders once trigger conditions were met.
- A "circuit breaker" mechanism to halt payouts if data from oracles showed significant, anomalous discrepancies, preventing faulty triggers.
- A web portal where clients could view their policy terms, monitor potential trigger events in real-time, and see a transparent history of all payouts.
Our Technology Stack & Tools
We build robust, scalable, and secure insurance solutions using a curated stack of proven and emerging technologies.
What Our Clients Say
We're proud to be a trusted partner for innovators in the insurance and financial sectors.
The level of expertise in both blockchain and our specific insurance domain was exceptional. Errna didn't just write code; they understood our business challenges and designed a solution that addressed them head-on. The reduction in fraudulent claims has been remarkable.
We chose Errna because of their CMMI Level 5 appraisal. We needed a partner with a mature, predictable process for such a mission-critical project. They delivered on time, on budget, and exceeded our expectations for quality and communication.
The integration with our legacy Guidewire system was our biggest concern, and Errna's team handled it flawlessly. The data flows seamlessly between the on-chain and off-chain environments. Their integration capabilities are top-notch.
The 2-week paid trial was a game-changer for us. It allowed our team to work directly with their developers and confirm the cultural and technical fit before signing a long-term contract. It’s a testament to their confidence and transparency.
Their AI-augmented approach to fraud detection is what set them apart. The system doesn't just record transactions; it actively analyzes them for suspicious patterns. We're catching sophisticated fraud that our old systems would have missed entirely.
Working with Errna felt like a true partnership. Their project managers were proactive, their developers were highly skilled, and they were always focused on our business outcomes. We now have a scalable platform that gives us a significant competitive advantage.
Frequently Asked Questions
Clear answers to your most pressing questions about implementing blockchain in insurance.
For most insurance use cases, a private, permissioned blockchain like Hyperledger Fabric or Corda is the ideal choice. These platforms provide the necessary security, privacy, and access control required for handling sensitive policyholder and claims data. Unlike public blockchains (like Bitcoin or Ethereum), a permissioned network ensures that only authorized participants (e.g., the insurer, adjusters, repair shops) can view or transact on the ledger, which is essential for regulatory compliance (e.g., GDPR, HIPAA).
Blockchain prevents fraud in several key ways. First, its immutability means that once a claim is recorded, it cannot be altered or deleted, creating a tamper-proof audit trail. Second, it creates a single, shared source of truth, making it easy to detect duplicate claims submitted across different systems or insurers. Finally, by linking claims to decentralized identities and verifiable credentials (e.g., for a specific vehicle or property), it becomes much harder to create fraudulent policies or claims for non-existent assets.
Absolutely not. The blockchain operates as the secure backend infrastructure. For policyholders, the experience is delivered through a user-friendly mobile or web application (a dApp). They will interact with a simple interface to submit a claim, upload photos, and track its status in real-time. The complexity of the underlying blockchain technology is completely abstracted away from the end-user, ensuring a seamless and intuitive experience.
We specialize in this type of complex integration. We use a combination of secure APIs and "oracles" (services that feed external data to the blockchain) to create a bridge between your existing systems (like Guidewire, Duck Creek, or custom-built platforms) and the new blockchain ledger. This allows for a two-way flow of information, so your core systems remain the system of record while benefiting from the trust and automation capabilities of the blockchain.
The timeframe varies depending on the complexity of the use case. A Proof of Concept (PoC) to validate a specific function can often be completed in 8-12 weeks. A Minimum Viable Product (MVP) for a single line of business might take 4-6 months. A full-scale, enterprise-wide implementation with multiple integrations can take 9-12 months or more. Our approach is to start with a high-impact, focused use case to deliver value quickly and then expand iteratively.
Yes. We design our solutions with a "privacy-by-design" approach. We typically store only a cryptographic hash (a unique, anonymized fingerprint) of sensitive personal data on the blockchain itself. The actual data remains securely stored off-chain in a compliant database. The on-chain hash serves as an immutable proof of the data's existence and integrity without exposing the sensitive information, ensuring full compliance with regulations like GDPR and HIPAA.
Ready to Build the Future of Claims Processing?
Stop losing money to fraud and inefficiency. Let's schedule a free consultation to explore how our AI-enabled blockchain solutions can create a transparent, automated, and secure claims ecosystem for your business.
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