About
Stream Claims is a purpose-built AI platform for modern insurance claims operations, targeting the $250 billion in annual P&C claims leakage caused by missed signals and overlooked data. It ingests every document and data point tied to a claim—medical records, demand packages, correspondence, bills—and organizes them into one structured, dynamic view that gives adjusters full clarity across the entire claim lifecycle. The platform's AI agents, trained by experienced adjusters, SIU investigators, and AI researchers, continuously cross-reference the full claim record set to surface inconsistencies, flag risk indicators, and identify patterns that human reviewers might miss. Critically, every data point is traced back to its source document, eliminating hallucinations and providing full auditability across the entire claim file. Stream automates high-effort deliverables—one-click settlement analyses, reserve recommendations, and IME packets—generated directly from the structured claim and delivered into existing systems. Deployment is fast (live in weeks with no integration required), though core system integration, API, and batch SFTP are also available. Built for enterprise carriers, Stream is SOC 2 Type II certified, ISO 27001 certified, and HIPAA compliant, with US-only data residency and single-tenant architecture ensuring complete data isolation. Customer data is never used for model training. It's the ideal solution for large P&C carriers and TPA organizations looking to reduce claim exposure, save adjuster time, and drive better outcomes on their most complex claims.
Key Features
- Unified Claim Document Ingestion: Automatically ingests and organizes all claim documents—medical records, demand packages, correspondence, and bills—into a single structured, dynamic view for complete claim clarity.
- AI-Powered Risk Signal Detection: Cross-references the full claim record set to surface inconsistencies, flag risk indicators, and identify patterns that adjusters and SIU investigators need to see before they become costly leakage.
- Source-Verified, Hallucination-Free Data: Every data point is traced back to its original source document, providing full auditability across the entire claim file with no gaps or fabricated information.
- One-Click Deliverable Generation: Automatically generates settlement analyses, reserve recommendations, and IME packets from the structured claim data and delivers them directly into existing claims management systems.
- Enterprise Security & Compliance: SOC 2 Type II certified, ISO 27001 certified, and HIPAA compliant with single-tenant architecture, US-only data residency, and a strict no-training-on-customer-data policy.
Use Cases
- Large P&C carriers using Stream to reduce overall claim exposure by identifying leakage signals across thousands of complex casualty claims simultaneously.
- Claims adjusters automating the creation of settlement analyses and reserve recommendations to save an average of 30 hours per month on manual document review.
- SIU investigators leveraging AI-powered cross-referencing to surface inconsistencies and fraud indicators buried across large claim record sets.
- Workers' compensation teams generating IME packets and structured claim summaries with one click, accelerating the adjudication process without sacrificing accuracy.
- Enterprise insurance carriers deploying an AI claims platform that meets SOC 2, ISO 27001, and HIPAA requirements without compromising on data isolation or model integrity.
Pros
- Rapid Deployment: Stream goes live in weeks with no integration required, running standalone out of the box while also supporting core system integration, API, and batch SFTP for deeper connectivity.
- High Adjuster Adoption: Achieves a 98% adjuster adoption rate, indicating the platform genuinely fits claims workflows rather than adding friction to existing processes.
- Full Auditability: Every AI-generated insight is sourced back to the original document, eliminating hallucination risk and meeting the strict evidential standards required in claims adjudication.
- Enterprise-Grade Security: Meets the most demanding carrier security requirements with SOC 2 Type II, ISO 27001, HIPAA compliance, and complete data isolation in a single-tenant architecture.
Cons
- Enterprise-Only Pricing: Stream is positioned exclusively for large carriers and enterprise claims teams; there is no self-serve tier, transparent pricing, or small-team option—access requires requesting a demo.
- Narrow Domain Focus: The platform is purpose-built for P&C casualty and workers' compensation claims, making it unsuitable for other insurance lines or non-insurance document workflows.
- Limited Public Documentation: Technical documentation, API references, and integration guides are not publicly accessible, requiring direct engagement with the sales team to evaluate fit.
Frequently Asked Questions
What types of insurance claims does Stream support?
Stream is purpose-built for complex P&C casualty claims and workers' compensation claims, where document volume is high and leakage risk is greatest. It processes medical records, demand packages, correspondence, bills, and other claim-related documents.
Does Stream require integration with our existing claims management system?
No integration is required to get started. Stream runs as a standalone platform and can go live in weeks. For deeper connectivity, it also supports core system integration, REST API access, and batch SFTP file transfer.
Will Stream use our claims data to train its AI models?
No. Stream uses single-tenant architecture and explicitly does not use customer data for model training. Your data remains fully isolated and under your control.
What compliance certifications does Stream hold?
Stream is SOC 2 Type II certified, ISO 27001 certified, and HIPAA compliant. All data is stored with US-only residency, meeting the requirements of major insurance carriers and TPAs.
How does Stream prevent AI hallucinations in claims analysis?
Every data point and insight generated by Stream is traced directly back to its source document in the claim file. This full source-linking approach ensures auditability and eliminates fabricated or unsupported findings.
