System and method for efficient claim assignment

A computer-implemented method comprising:

• receiving policy information associated with an insurance policy;
• determining a program identifier based on the policy information;
• determining a first claim handling identifier based on the program identifier and on a first data structure associating each of a plurality of program identifiers with a respective claim handling identifier;
• if the first claim handling identifier comprises a first predetermined claim handling identifier, generating a record associating the policy information with the first claim handling identifier;
• if the first claim handling identifier comprises a second predetermined claim handling identifier, determining a second claim handling identifier based on the policy information and generating a record associating the policy information with the second claim handling identifier;
• and transmitting the record to a claim management system.

A system comprising:

• a first system comprising:
• a data storage device configured to receive and store policy information associated with an insurance policy, and a first data structure associating each of a plurality of program identifiers with a respective claim handling identifier;
• a computer processor configured to execute program instructions and to retrieve the policy information from the data storage device;
• a memory, coupled to the computer processor, configured to store program instructions for execution by the computer processor;
• claim assignment logic comprising program instructions stored in the memory and executable by the computer processor to:
• determine a program identifier based on the policy information;
• determine a first claim handling identifier associated with the program identifier in the first data structure;
• generate, if the first claim handling identifier comprises a first predetermined claim handling identifier, a record associating the policy information with the first claim handling identifier;
• and
• if the first claim handling identifier comprises a second predetermined claim handling identifier, determine a second claim handling identifier based on the policy information and generate a record associating the policy information with the second claim handling identifier;
• and
• a communication device, coupled to the computer processor, configured to transmit the record to a claim management system;
• and
• the claim management system comprising:
• a second data storage device for receiving and storing the record associating the policy information with the second claim handling identifier;
• a second computer processor for executing program instructions;
• a second memory, coupled to the second computer processor, for storing program instructions for execution by the second computer processor;
• and
• claim management logic further comprising program instructions stored in the memory and executable by the computer processor to:
• receive a claim associated with the policy from a claimant;
• identify the claim handling identifier of the record associated with the policy;
• and
• process the claim based on the identified claim handling identifier.