Coverage alignment
We test whether the claimed peril, insured interest, and limits match the application narrative and supporting schedules.
Progressive Data Networks
Financial audit of insurance claims applications, conducted file by file.
We examine claim submissions for indemnity accuracy, reserve soundness, and documentation gaps before settlement decisions harden.
What we examine in a claim application
Each engagement starts with the paper trail that underpins indemnity: policy wording, loss notices, medical or property schedules, and the arithmetic behind the requested amount.
Indemnity arithmetic
We recalculate deductions, betterment, salvage, and contribution so the settlement figure rests on verifiable sums.
File readiness
We flag missing invoices, unsigned statements, and inconsistent dates that would stall a fair settlement.
Audit work you can commission
Start with a full claims-application audit, or commission a narrower review when the file is already mid-course.
Claims Application Financial Audit
A full financial audit of insurance claims applications covering indemnity arithmetic, coverage alignment, and documentation completeness before settlement.
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Documentation Gap Analysis
A structured check of claim application packs to list missing statements, unsigned forms, and inconsistent dates before settlement.
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Reserve Adequacy Review
A focused pass over open claim applications to test whether case reserves still match the evidence in the file.
Read scopeFrom intake to written findings
Our Bangkok practice follows a fixed engagement path so claims managers know when findings arrive and what they contain.
Intake call
We confirm line of business, claim volume, and the decision the audit must support.
File sampling
We agree which applications enter the sample and secure secure transfer of the claim packs.
Findings memo
You receive a written memo with indemnity adjustments, reserve notes, and documentation actions.
What clients say after a review
Comments from claims leads who commissioned a financial audit of insurance claims applications with our team.
“The audit caught a double-counted medical invoice on a motor bodily injury file before we issued the cheque. The memo was blunt about our own checklist gaps.”
“We asked for a reserve adequacy pass on twenty property applications. The turnaround was slower than we hoped in week one, but the final schedule let us restate three reserves with confidence.”
Need a second set of eyes on claim applications?
Tell us the line of business, approximate file count, and settlement deadline. We reply within two business days with a proposed sample and fee basis.
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