9 Best Insurance Claims Processing Software for 2026

What to Look for in Claims Processing Software

Modern claims software must do more than move files around. It needs to automate the entire lifecycle, from intake to final settlement, while giving insurers the control they need to stay compliant and efficient.

Skip generic solutions. Start with specialized software designed for your line of business, whether it’s P&C, life, or health. These reduce setup time and eliminate manual processes from day one.

Multi-agent orchestration is no longer optional. To run a high-performing claims operation, you need automation across all phases, with transparency built in.

For real-world automation that works under regulatory pressure, prioritize:

• Auditability: Require immutable logs of every AI and human decision.
• Confidence scores: Flag low-certainty outputs for SME review.
• Regional rule engines: Make sure the system validates against local requirements.
• Human-in-loop oversight: Let subject matter experts override or retrain agents when needed.

Deployment flexibility matters too. You can’t control sensitive data if it lives in someone else’s cloud. Demand options that match your infrastructure and compliance needs:

• VPC or on-prem installs for full data residency and encryption control.
• Hybrid models if you're scaling across geographies or business lines.
• Low-code rule management so claims leads, not just developers, can adjust workflows.

This is how leading carriers move from automation-as-a-feature to true operational transformation.

1. AgentFlow

AgentFlow is a best claims processing software designed for the insurance industry. It automates the entire process, from digital FNOL to final settlement. The platform supports audit trails, compliance controls, and human‑in‑loop decision-making. 

AgentFlow uses artificial intelligence agents to automate key claims tasks, like document extraction, data validation, decision-making, and report creation. This removes manual work and cuts operational costs.

The platform supports P&C, health, and life claims. It comes with ready-to-use workflows for underwriting, FNOL, policy documents, medical bills, and settlements. Claims teams can manage rules with a low-code editor and retrain agents directly—no developers needed.

AgentFlow integrates with your existing systems and scales across locations. You can deploy it on-prem, in your private cloud (VPC), or in a hybrid setup.

• Key Features: Vertical AI Agents for document management; orchestration of multi‑agent workflows; real‑time audit trails; VPC/on‑prem deployment; seamless integration with core systems
• Best For: Large insurers, MGAs, TPAs, and medical providers seeking automated claims workflow efficiency
• Pros:
  
  • Compliance‑ready architecture with auditability
  • Confidence scoring on claims outputs supports informed decisions by adjusters and reviewers
  • Native support for human review and override
  • Pre‑built connectors for claims data ingestion and document handling
• Cons:
  
  • Requires integration effort to connect with existing claims management systems
• Pricing: Custom enterprise pricing

2. Guidewire ClaimCenter

Guidewire ClaimCenter is a widely adopted claims management system used by large insurance carriers. It supports complex, high-volume claims operations across property and casualty (P&C) lines, and is part of the broader Guidewire InsuranceSuite.

ClaimCenter integrates seamlessly with Guidewire PolicyCenter and BillingCenter, enabling insurers to manage the full claims lifecycle within a unified core system. Its workflow engine supports automation of FNOL intake, reserve tracking, fraud detection, and payment processing.

The platform is well-suited for insurers operating across multiple office locations and regulated jurisdictions. It provides strong claims data consistency, auditability, and integration capabilities, though it does not include vertical AI Agents or native low-code tools like AgentFlow.

• Key Features: Workflow automation for FNOL and reserve management, claims data modeling, integration with Guidewire PolicyCenter and BillingCenter, customizable rules engine, and regulatory compliance support.
• Best For: Enterprise insurers standardizing their claims process on a Guidewire-based core system
• Pros: Proven scalability across large carrier operations
• Cons: Customization and updates may require longer IT cycles
• Pricing: Quote-based enterprise pricing varies by deployment scale and modules

3. Duck Creek Claims

Duck Creek Claims is cloud‑native claims processing software for insurers modernizing legacy systems. It offers SaaS delivery, low‑code configuration, and supports rapid time‑to‑value.

Carriers can build configurable workflows, streamline intake and settlement, and scale across the full claims lifecycle with reduced IT burden. The platform supports digital FNOL, omnichannel intake, dynamic business rules, and native integration with policy and billing systems.

It is well‑suited for mid‑sized to large carriers embracing cloud‑first infrastructure and aiming for operational efficiency. While its AI‑driven automation depth may not match vertical‑AI platforms like AgentFlow, Duck Creek delivers a scalable, modern claims data backbone.

• Key Features: SaaS‑based claims software, cloud‑native platform, configurable workflows, digital FNOL intake, multi‑channel communication, seamless policy/billing integration.
• Best For: Carriers replacing legacy claims systems with cloud‑first core infrastructure.
• Pros: Low‑code configuration accelerates deployment
• Cons: May offer fewer vertical AI‑agents or built‑in predictive models out of the box
• Pricing: Subscription pricing based on users, volumes, or modules—custom quote required.

4. Snapsheet Claims Platform

Snapsheet is digital claims processing software built for fast mobile claims intake and virtual estimating. Policyholders submit claim details using intuitive mobile forms, and adjusters manage claims from any device.

The platform reduces manual tasks, cuts administrative burden, and boosts customer satisfaction. Supports digital FNOL, mobile forms, and virtual estimating workflows (including image upload) for property and collision claims.

The platform is ideal for auto insurers, MGAs, and TPAs with high volumes of collision or property damage claims. It enables real-time collaboration across claims teams and external providers.

While it may not offer the same depth of claims‑orchestration or enterprise AI‑agent layering as AgentFlow, Snapsheet delivers strong automation and mobile claims capability.

• Key Features: Photo-based FNOL submission, virtual estimating, document management, and mobile collaboration tools.
• Best For: Auto carriers and MGAs focused on fast, digital-first claims processing.
• Pros: Mobile-optimized experience for adjusters and claimants
• Cons: Limited capabilities for multi-stage or regulated workflows
• Pricing: Quote-based, varies by claim volume and service model

5. Sapiens ClaimsPro

Sapiens ClaimsPro is a flexible claims management system for multinational insurers. It supports property and casualty, life, health, and reinsurance claims.

Built to support multiple regulatory jurisdictions, it helps insurers manage complex claims across regions and lines of business. The platform includes case management tools, multilingual interfaces, and integrated analytics.

Sapiens improves data accuracy, streamlines the claims lifecycle, and supports compliance with local regulatory requirements. It enables insurers to reduce operational costs while managing claims across business lines.

While Sapiens offers broader product coverage across lines of business, it lacks the out-of-the-box automation depth and AI-native design that AgentFlow delivers for claims teams ready to scale efficiency fast.

• Key Features: Multi-line claims support, case management, built-in analytics, regulatory compliance features, and multilingual configuration.
• Best For: Global insurers needing scalable claims software for multiple regulatory environments.
• Pros: Includes business intelligence tools for claims data analysis
• Cons: Setup time may be longer due to platform complexity
• Pricing: Custom pricing based on geography, insurance lines, and deployment scale

6. Pega Claims Management

Pega Claims Management is a low-code claims processing platform that automates complex insurance workflows. It reduces manual tasks using workflow automation, machine learning-driven decisioning, and business rule engines.

The system supports human oversight, enabling adjusters to review automated decisions and ensuring compliance and accuracy. It combines claims case management, analytics, and AI‑guided routing into a single platform architecture.

Pega is ideal for carriers needing flexible, customizable claims software that integrates with existing systems and accelerates digital transformation.

Compared to AgentFlow’s insurance-native architecture, Pega often requires more effort to align with regulatory needs and industry-specific claims processes.

• Key Features: Low-code automation tools, predictive models, AI-powered claims routing, claims analytics, supports standard API integrations for interoperability with core systems
• Best For: Insurers modernizing legacy systems with customizable, low-code claims management software.
• Pros: Fast prototyping and deployment cycles
• Cons: Requires domain expertise to configure for insurance use cases
• Pricing: Custom enterprise pricing based on features and usage.

7. AdInsure Claims

AdInsure Claims is claims processing software built for insurers in Central and Eastern Europe. It supports property & casualty, life (and non‑life) claims with a modern UI and regional regulatory compliance features.

The platform supports legacy system modernisation and streamlines the claims lifecycle. It offers configurable workflows, business‑rule models, and claims‑data tracking across multiple lines of business.

AdInsure is ideal for mid-sized insurers looking to modernize quickly without heavy customization. Compared to specialist automation platforms like AgentFlow, AdInsure may offer fewer industry‑specific AI‑agent capabilities but emphasises low‑code config and faster deployment.

• Key Features: Case-based workflows, fraud detection, recovery opportunities identification, regulatory templates, multilingual UI
• Best For: Mid-sized European insurers seeking a modern, compliant platform
• Pros: Built-in regional regulatory alignment
• Cons: Smaller vendor with limited global presence
• Pricing: Contact for pricing based on modules and region

8. Mitchell WorkCenter™

Mitchell WorkCenter™ is claims processing software built for auto insurers handling high volumes of physical damage claims. It specializes in virtual estimating, AI photo analysis, and repair cost tracking.

The platform integrates with body shops, labor databases, and parts networks to speed up approvals and automate tasks. Its web portal helps carriers reduce manual work, improve data accuracy, and enhance customer satisfaction.

Mitchell supports the auto physical damage claims lifecycle, from FNOL to settlement. It's ideal for carriers focused on collision and repair workflows.

Mitchell handles auto damage well, but AgentFlow supports full claims automation across P&C, life, and health with AI agents built for every stage.

• Key Features: Virtual estimating, AI photo damage detection, repair shop network integration, electronic claims submission, parts and labor cost modeling.
• Best For: Auto insurers and TPAs seeking automated tools for damage estimation and repair cycle management.
• Pros: Improves the accuracy and speed of damage assessments
• Cons: Not suitable for insurers managing claims across multiple business lines
• Pricing: Subscription-based, with pricing based on usage volume and service tiers

9. EIS ClaimCore

EIS ClaimCore is a cloud-native claims management system designed for property and casualty insurers undergoing digital transformation. It offers configurable workflows and open APIs for integration with core systems and flexible deployment.

The platform uses a modern architecture to handle workflows, manage claims data, and streamline the entire claims lifecycle. Its digital-first design reduces operational costs and IT overhead while supporting rapid product launches.

ClaimCore fits insurers replacing legacy systems or building greenfield technology stacks. While it lacks AI agents and human-in-loop tools like AgentFlow, it delivers strong flexibility and infrastructure control.

• Key Features: Cloud-native claims engine, REST and SOAP APIs, microservices architecture, configurable workflows, digital claims processing
• Best For: Digital-first P&C insurers modernizing the future of claims management process and infrastructure
• Pros: Supports high degrees of automation across key stages of the claims lifecycle
• Cons: Requires strong internal IT capabilities or SI support
• Pricing: Enterprise-level pricing based on modules, features, and deployment scope

Ready to see what modern insurance claim processing software can actually deliver?

If you're comparing claims platforms, start with the one built for the entire process. AgentFlow speeds up intake, automates document review, and runs coordinated, compliant workflows from FNOL to final settlement.

Other tools manage fragments. AgentFlow reduces administrative burden, supports human-in-loop decisions, and uses artificial intelligence to find recovery opportunities across claims types.

Book a demo to see how AgentFlow delivers powerful tools that boost automated efficiency across your entire claims process.

‍