AI claims communication and workflow for MGAs, carriers, and TPAs.

One claim, one timeline. Claimants stay on SMS. Your team gets secure document collection, ownership, AI-assisted triage, translation, and the next action instead of reconstructing the file from a sidecar inbox.

Two-way SMS and web messagingSecure file collectionSales-assisted deployment
Fewer handoffs

Keep the conversation with the claim.

Personal SMS inboxes, claimant portals nobody uses, and a claim system that never sees the thread force adjusters to reconstruct the truth. Kiso puts messaging, files, and participants on the claim itself.

  • Claim-scoped conversations across SMS and secure web messaging
  • Participants, adjusters, collaborators, teams, and controlled visibility
  • Statuses, assignments, transfers, exposures, and tagged messages
  • Transcript exports and an auditable access history
ClaimCLM-2026-1842
In review
I have the repair estimate and four photos.Claimant · SMS · 9:18 AM
Use this secure upload link. The files will attach to this claim.Adjuster · Delivered
5 files received and scanned
Thank you. I’ve added the estimate for review.Adjuster · 9:31 AM
Operational depth

Communication is only useful when it can drive the next action.

Kiso connects each interaction to the people, evidence, exposure, and status it affects. That gives managers a clearer operation and adjusters less administrative reconstruction.

Omnichannel conversation

Continue a claim conversation through SMS or a secure web experience without splitting the customer history.

Evidence collection

Issue short-lived upload links, scan incoming files, preserve originals, and provide controlled access to claim media.

Assignment and teams

Assign ownership, bring in collaborators, transfer work, and keep private internal context separate from claimant messages.

Claim record

See status transitions, participants, messages, files, access, tags, and administrative events in one operational timeline.

Exposures and resolution

Track configurable exposure types through assignment, resolution, and reopening without losing the communication around them.

Human-governed AI assistance

Translate messages, suggest exposure classification, and surface the next action while keeping decisions, edits, and accountability with your team.

From MGA claims teams

Built around how adjusters evaluate the claim.

Cross-claim billing context, visit-level findings, and billed-versus-benchmark comparisons give adjusters a clearer way to review the file and move the evaluation forward.

Adjuster feedback
“I like how it uses cross claims to see how providers billed on other claims… This program is very intuitive and speaks like an adjuster… and it will really decrease demand evaluation time.”
Senior AdjusterMGA
Claims leadership feedback
“The ‘billed’ versus ‘benchmark’ comparison is visually clear when reviewing the findings per visit.”
Claims ManagerMGA

Names and organization withheld for privacy. Excerpts lightly shortened for length.

For the whole claim

One experience for the people inside and outside your organization.

CLAIMANTS

No new app to learn.

Text naturally, follow secure links, upload evidence, and receive updates from a phone or browser.

ADJUSTERS

Less searching. More context.

Work from the claim timeline with templates, internal notes, participants, evidence, and clear ownership.

LEADERS

See the operation.

Review unanswered threads, stalled evidence, transfers, and cycle time from the same record the adjuster uses.

Keep every claimant conversation attached to the claim.

Kiso Claims is sales-assisted. We configure brands, lines of coverage, statuses, exposure types, teams, and templates around how you already work—not a credit-card signup.

Start with claim-scoped SMS, secure file collection, clear ownership, and the audit trail your operation needs.

Connect Claims with eSign when a document needs to be completed, preserving the communication and action on the same operational thread.

Book a Claims walkthrough

See what a claim-centered communication layer changes.