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Claims STP Economics Calculator

Computes the financial business case for insurance claims Straight-Through Processing (STP) automation. Models handling cost reduction from current to target STP rates, leakage delta (change in claim payment leakage from automated vs manual handling), net annual benefit, NPV over a configurable projection horizon, IRR, and per-claim cost reduction. Covers industry benchmarks from McKinsey Insurance 2024, Accenture Claims Transformation 2025, and Majesco Claims Technology Survey 2024. Use in insurer-rbc-action-level chain (downstream when capital below 200% ACL triggers corrective action). ZERO PII: aggregate portfolio metrics only.

Tool URL: https://ainumbers.co/chaingraph/art-257-calculate-claims-stp-economics.html

post/v1/tools/calculate_claims_stp_economics

Request

  • Base URL: https://ainumbers.co
  • URL: https://ainumbers.co/v1/tools/calculate_claims_stp_economics
  • Auth: none declared

Request body

annual_claims_volumeunknown required
annual_license_costunknown required
automated_handling_costunknown required
average_claim_paymentunknown required
current_stp_rate_pctunknown required
discount_rate_pctunknown required
implementation_costunknown required
leakage_rate_manual_pctunknown required
leakage_rate_stp_pctunknown required
manual_handling_costunknown required
projection_yearsunknown required
target_stp_rate_pctunknown required

Response

Successful tool execution result

annual_handling_savingsinteger
cost_reduction_pctnumber
cost_reduction_per_claimnumber
current_annual_costinteger
current_avg_cost_per_claiminteger
current_manual_claimsinteger
current_stp_claimsinteger
discount_rate_pctinteger
irr_pctnumber
leakage_increaseinteger
leakage_reductioninteger
net_annual_benefitinteger
net_leakage_impactinteger
not_legal_advicestring
npvnumber
payback_yearsnumber
pii_notestring
projection_yearsinteger
regulatory_basisstring
stp_rate_improvement_pptinteger
table_sourcestring
table_versionstring
target_annual_costinteger
target_avg_cost_per_claimnumber
target_manual_claimsinteger
target_stp_claimsinteger

Changes

No recorded changes to this operation across all 1 revision of this API.