Claims documents are high-volume, high-stakes, and highly variable.
First notice of loss triage
FNOL submissions vary widely in format and completeness. Manual review to determine coverage and reserve levels delays every downstream step and increases loss adjustment expense per claim.
Medical invoice line-item accuracy
Medical billing codes, procedure descriptions, and itemised charges need accurate extraction for adjudication and fraud checks. Misread codes cause incorrect payments and audit findings.
Repair estimate reconciliation
Multiple repair estimates for the same claim need structured extraction to compare line items and flag outliers. Manual comparison at scale is impractical and inconsistent.
Structured from first notice. STP-ready by default.
Cogneris extracts FNOL, medical invoices, repair estimates, and supporting documents simultaneously — triggering straight-through processing for high-confidence claims without human triage.
- FNOL structured extraction — incident date, coverage code, claimant details, and supporting document inventory extracted from any FNOL format at intake.
- Medical invoice line-item parsing — CPT codes, diagnosis codes, billed amounts, and provider details extracted as structured arrays, not raw text, ready for adjudication.
- Repair estimate comparison — line items extracted from multiple estimates and automatically diff'd to surface material discrepancies for adjuster review.
- STP triggers on high-confidence extractions — clean, high-confidence claims trigger automatic reserve creation and coverage checks without adjuster triage.
Claims processed straight through.
Insurance claims pile up because they arrive as multi-document bundles in different formats. FNOL forms, police reports, repair estimates, medical bills — each in a different layout, all needing structured extraction before a handler can decide anything. Cogneris's insurance configuration handles the bundle as a unit: every supporting document parsed, normalized into a single claim record, with straight-through-processing rules that resolve the simple cases automatically.
Multi-document bundles
FNOL + police report + repair estimates + medical bills + photos — merged into one structured claim record with cross-document validation.
Medical bill normalization
CPT codes, ICD-10 codes, charges, allowed amounts, provider taxonomy — normalized across hospital, clinic, and provider invoices for fee-schedule comparison.
STP rules engine
Configurable straight-through-processing thresholds: loss amount, document completeness, fraud score, policy match. Auto-approve vs route-to-handler with full reasoning logged.
SIU-grade fraud signals
Document forensics (image manipulation detection, duplicate-claim cross-reference, vendor pattern flags) ship out-of-the-box for SIU teams.
Lives where your claims system already runs.
Cogneris integrates with the major P&C and life-insurance carrier platforms — so extracted claim data flows directly into your loss-adjustment workflow without an intermediate data-entry step.
- Guidewire — ClaimCenter integration via Guidewire's REST APIs. Extracted bundle data pushed as claim documents with structured fields populated for the FNOL workflow.
- Duck Creek — Native integration with Duck Creek Claims. Multi-document bundles arrive as a structured claim package, ready for the handler queue.
- Insurity — API integration with Insurity Policy & Claims. Loss-event data flows into reserves and reinsurance reporting automatically.
- Sapiens — Connector for Sapiens IDIT and CoreSuite. Extracted claim data populates the claims system with full document provenance.
- FNOL channels — Carrier app, web portal, agent intake, third-party adjuster — Cogneris handles all four ingestion paths with the same downstream schema.
The document types behind every claim and policy bind.
Claims arrive as multi-page packets — FNOL, police reports, medical bills, repair estimates. New policies depend on identity verification and binding contracts. Cogneris extracts every input into structured fields with confidence scores and audit metadata.
For category context, see the IDP buyer's guide, the 2026 State of Document AI report, or estimate ROI at your volume.
- Claims document processing API — API-first classification, extraction, citations, validation, and review state for full claim packets.
- Insurance claim extraction — FNOL, police reports, medical bills, and repair estimates with carriers, dates of loss, coverage codes, and amounts parsed to a single claim object.
- ACORD forms extraction — policy, applicant, vehicle, property, coverage, premium, and loss data from insurance intake packets.
- KYC document extraction — government IDs, proof of address, and beneficial-ownership certifications for claimant verification and SIU counterparty due diligence.
- Contract extraction — policy contracts, endorsements, and binding agreements with coverage limits, exclusions, and deductibles extracted alongside party data.
Common questions.
What's the typical claim-package processing time?
How does Cogneris detect claim fraud?
Does Cogneris handle medical bills for PIP/UM claims?
How long do you retain claim documents?
Can we use Cogneris for subrogation document analysis?
Faster claims. Happier policyholders.
See Cogneris triage a live FNOL submission — coverage check, reserve trigger, and STP routing all running in under 4 seconds.