HIBRiD is more than a claims handler – we’re a compliance-led, data-driven partner built for the demands of modern insurance.
Every element of our service is designed to deliver speed, accuracy, and transparency, backed by real-time oversight, configurable reporting, and intelligent escalation triggers.
Whether you operate under a delegated authority model or manage claims centrally, we provide the insight and control you need to scale with confidence.
Built for delegated authority. Every claim we handle adheres to the latest market, carrier, and regulatory standards - with built-in controls, audit trails, and referral logic to meet Lloyd’s and global compliance requirements.
Custom-built MI and bordereaux outputs designed for Lloyd’s, syndicates, and carriers - from raw data to fully formatted templates, backed by automated validation and error flagging at source.
Real-time referral reports ensure senior stakeholders and underwriters are notified when attention is needed - from large loss alerts to authority breaches and potential fraud indicators.
We capture structured claims data from the start, enabling deep insights across causes, trends, settlement times, and reserve movements - helping you identify risks and improve portfolio performance.
Interactive dashboards give you instant visibility of claims progress, referrals, outstanding actions, and bordereaux readiness - tailored by role, region, and reporting requirement.
From eFNOL to Resolution
Claims are submitted via chatbot, email, or webform. Supporting documents and policy references are captured from the outset.
Policy data and documents are ingested and validated against the claim file. All key fields are extracted automatically for consistency and accuracy.
Each claim runs through a fully customisable workflow engine - aligned to the specific authority model, class of business, and carrier rules.
Automated triage logic routes claims appropriately. Pre-defined triggers escalate cases to adjusters or claims experts based on value, complexity, or conditions.
Approved claims are paid via integrated platforms, with automated updates to bordereaux and MI. All actions are tracked and logged.
Every claim interaction - automated or manual - is captured in a structured audit trail, ensuring full transparency and regulatory alignment.
At HIBRiD, AI isn’t a replacement for people – it’s a tool that supports them.
We use AI to handle:
This is so our claims experts can focus on what matters most: making fair, accurate decisions. Every AI-driven step is overseen by experienced professionals, ensuring speed never comes at the cost of quality.
We’re proud to work with RDT, whose ACE platform powers much of HIBRiD’s digital claims capability.
Together, we combine cutting-edge automation with deep claims expertise to deliver speed, accuracy, and compliance.
RDT brings over 30 years’ experience building digital solutions for UK and international insurers, trusted by leading carriers worldwide.
ACE’s low-code engine drives our workflows - configurable, scalable, and designed to match any delegated authority model.
With a robust API architecture, ACE connects our claims processes to carriers, third parties, payment providers, and more.
RDT continually invests in research and development, ensuring ACE evolves with the market and regulatory landscape.