Systems and Methods for Providing Centralized Insurance Claim Processing and Plan Management

A method for automatically filling out claim forms based on an insured member's responses to questions, comprising:

• receiving a request from a device of an insured member to process a claim for an incident using a server computer;
• retrieving one or more specific insurance policies for the insured member from a database and claim rules for each policy of the one or more specific insurance policies from the database using the server computer, producing one or more claim rules for the insured member, wherein the database includes a plurality of insured members and a plurality of insurance policies, and wherein the database links each member of the plurality of insured members to one or more policies of the plurality of insurance policies and links each policy of the plurality of insurance policies to claim rules for the each policy;
• generating one or more claim questions specifically for the insured member based on the one or more claim rules using the server computer,
• sending the one or more claim questions to the device of the insured member regarding an incident using the server computer,
• receiving one or more responses from the device of the insured member in response to the one or more claim questions using the server computer,
• selecting one or more claim forms of one or more policies of the one or more specific insurance policies based on the one or more responses and the one or more claim rules using the server computer, and
• filling out the one or more claim forms based on the one or more responses using the server computer.

A computer program product, comprising a non-transient, tangible computer-readable storage medium whose contents include a program with instructions being executed on a processor so as to perform a method for automatically filling out claim forms based on an insured member's responses to questions, the method comprising:

• providing a system, wherein the system comprises distinct software modules, and wherein the distinct software modules comprise a storage module and an analysis module;
• receiving a request from a device of an insured member to process a claim for an incident using the analysis module;
• retrieving one or more specific insurance policies for the insured member from a database and claim rules for each policy of the one or more specific insurance policies from the database using the storage module, producing one or more claim rules for the insured member, wherein the database includes a plurality of insured members and a plurality of insurance policies, and wherein the database links each member of the plurality of insured members to one or more policies of the plurality of insurance policies and links each policy of the plurality of insurance policies to claim rules for the each policy;
• generating one or more claim questions specifically for the insured member based on the one or more claim rules using the analysis module,
• sending the one or more claim questions to the device of the insured member regarding an incident using the analysis module,
• receiving one or more responses from the device of the insured member in response to the one or more claim questions using the analysis module,
• selecting one or more claim forms of one or more policies of the one or more specific insurance policies based on the one or more responses and the one or more claim rules using the analysis module, and
• filling out the one or more claim forms based on the one or more responses using the analysis module.