Now live · Travel · Pet · Gig & Mobility · Warranty

The decision layer for claims.

A claim moves as fast as its slowest decision. Medley makes most of them on arrival, at the maturity level you set. You settle faster, leak less, and can show a regulator exactly why.

See how it works
↑78%
Atomic auto-resolve
from€4.99
Per claim*
100%
Decision trail
* standard corridor · rises with corridor complexity and maturity level — full breakdown in pricing
VoiceOwner FNOL
PhotoInjury
InvoiceVet bill
Pet claim
cover: accident
species: dog
vuln: false
est: €680
extracted
Connects to the systems your claims already live in
Guidewire
Duck Creek
Sapiens
Salesforce
Dynamics 365
HubSpot
Snowflake
BigQuery
Databricks
Twilio
Outlook
SharePoint
Amazon S3
DocuSign
Adyen
Plug in overREST API·MCP server·Webhooks·Batch ingest
Pricing

Priced on claims handled, not seats.

Every tier includes the full decision trail, EU residency and dedicated onboarding. No hidden enrichment costs.

PILOT

One corridor. Ninety days.

Fixed fee

Shadow-mode on your live claims. Your ops run as normal, Medley runs in parallel and shows you exactly what it would have decided.

  • One corridor, shadow deployment
  • Full Synthesise → Enrich → Decide pipeline
  • Up to 10,000 claims
  • Forward-deployed engineer, embedded
  • DecisionRecord decision trail
  • ClaimOps dashboard
  • End-of-pilot business case
MOST CARRIERS
PRODUCTION

Carrier-grade. Per claim.

from
€4.99
per claim*

Full production deployment. Multiple corridors, carrier-tunable thresholds, every maturity level available as each gate earns it.

  • Unlimited corridors
  • Five maturity levels (L1–L5)
  • Learning Loop · threshold recommendations
  • REST, MCP and webhook integration
  • 99.9% SLA · EU residency guaranteed
  • ISO 27001 · SOC 2 Type II audit underway
  • Customer success manager

* standard corridor · rises with corridor complexity and maturity level. Volume discounts from 5,000 claims / month.

ENTERPRISE

Group carriers & platforms.

Custom

Volume pricing, dedicated infrastructure, custom integrations and co-built specialty corridors.

  • Everything in Production
  • Dedicated tenant infrastructure
  • Custom corridor development
  • Embedded and white-label options
  • Executive business reviews
  • Custom SLAs and DPA
ROI calculator

Run the numbers on your own book.

The saving comes from claims that never reach an adjuster. Set your monthly volume and what a claim costs you today to see what that is worth over a year.

Where the saving comes from
78
auto-resolved — no adjuster ever opens them
22
routed to an adjuster with the context pack already built

Out of every 100 claims, at L3 maturity.

Inputs · Your portfolio
1,000claims / mo
50050,000
42/ claim
€10€120
Post-Medley effective cost / claim
9.2478% reduction · L3 illustrative
Projected annual impact
Current LAE spend€504K
Post-Medley LAE€111K
LAE saving€393K
Auto-resolved / month (78% auto-resolve · L3)780
Total annual saving€393K

* Illustrative only. Assumes L3 maturity (~78% auto-resolve), a mid-range corridor mix and EU claim volumes. Actual savings depend on maturity level, claim complexity and corridor configuration, modelled precisely in a discovery call.

Pre-built workflows

Four production corridors. Live today.

Configured for the corridors carriers actually write. Carrier-tunable, replay-tested, each with its own SLA gates.

What Medley does

A governed decision layer — not another point tool.

Claims decisioning

Every claim becomes a signed, replayable decision.

Not a workflow. Not a chatbot. A governed decision layer that reads policy, weighs evidence and outputs an auditable verdict in milliseconds.

Intake → Structured → Enriched → Decided → Signed
Risk heatmap · last 24h
corridor × hour
C1 · flight
C2 · baggage
C3 · cancel
C4 · medical
C5 · complex
C6 · bag-loss
C7 · liability
C8 · SIU
0004081012141822
Agent health
P95 · live
Triage142ms
Doc Reader410ms
Policy680ms
Risk Inv.1.4s
Coverage920ms
Compliance220ms
Control

Your maturity level. Your rules.

Start at rules. Earn autonomy one gate at a time. Each level graduates on its own accuracy, drift and fairness metrics, and you sign the promotion.

L1 rules · L2 models · L3 assisted · L4 bounded agent · L5 living agent
See the maturity model
Governance

Every decision signed & replayable.

DecisionRecord on every verdict. Model version locked. Prompt SHA-pinned. Replay any claim against any version.

GDPR · ART 22EU AI ACTISO 27001SOC 2 · UNDERWAY
See the compliance posture
Differentiator

Atomic decisions

78.4%
▲ 2.1pp · auto-resolve
Decision mix · live
AUTORECESCMAN
Claim STP
62.4%
aggregate output

Atomic auto-resolve outpaces claim STP by 16pp — because most claims have one or two hard decisions, not five. Adjusters work the 7%, not the 78%.

ClaimOps

One decision layer, every book it runs.

Same product, different thresholds. Each carrier sets its own corridors, its own confidence floors and its own authority caps. What does not change is that every decision is recorded, replayable and owned by someone.

The ClaimOps overview: claims today, atomic auto-resolve, claim STP and time to seal, with a risk heatmap and live decision stream.
01Live operations · the numbers a claims floor runs on
A pilot running in shadow mode, benchmarking the system's verdicts against handlers'.
02Pilot in shadow · measured against your own handlers
A travel book's overview, with its own corridors and thresholds.
03A travel book, configured to its own thresholds
1 / 3
How it works

Synthesise. Enrich. Decide.

Three pillars, one governed decision layer. Communications, data integrations and the Learning Loop sit underneath, wrapping all three.

PILLAR · 01

Synthesise

Scattered inbound becomes one structured claim record. Key fields extracted, vulnerability and injection flags raised before any decision logic runs.

VoiceOwner FNOL
PhotoInjury
InvoiceVet bill
Pet claim
cover: accident
species: dog
vuln: false
est: €680
extracted
PILLAR · 02

Enrich

Point-in-time policy context, endorsements intact, partner data through EU-resident proxies. The next gate sees the full picture, with a replayable trail.

PolicyCore
ItineraryAPI
AssistMedical
Travel claim
trip: EU → US
event: delay 6h
corridor: premium
territory: EU
enriched
PILLAR · 03

Decide

Atomic decisions per gate, at the maturity level you have signed off. Every verdict signed, replayable and carrier-approved.

Warranty claim
product: laptop
fault: display
cover: ext. warranty
age: 14 months
value: €1,299
region: DE
Decision
outcome: repair
payout: €189
conf: 0.92
signed · replayable
Atomic auto-resolve · the metric that moves

Measure the decision, not the claim.

A claim is not one decision. It is about 5 — coverage, liability, fraud, reserve, payout. Each one either clears on its own evidence or it doesn't.

01
It names the blocker

Claim STP tells you a claim didn't finish. Atomic tells you which gate stopped it, on which corridor, today — so there is something to actually fix.

02
It moves first

One low-confidence decision holds up a whole claim, so claim STP lags every improvement you make. Decision-level movement shows the same day.

03
It matches what you tune

Thresholds, authority caps and model versions are set per gate. You can tune a gate. You cannot tune an average of 5 of them.

Claim STP still falls out the other end — 62% today, 16pp behind the decisions that drive it. Worth reporting. Not worth steering by.

Resolution by gate · last 24h
41,235 atomic decisions
Gate 1 · policy
Policy active at loss date
deterministic · rules
96%
Gate 2 · coverage
Event matches coverage trigger
model-bounded · clause mapping
75%
Gate 3 · docs
Document sufficiency
model · provider verify
81%
Gate 4 · fraud
Fraud signals within tolerance
model · pattern + risk priors
92%
Gate 5 · payout
Payout within authority cap
deterministic · arithmetic + cap
88%
Auto-resolve · ≥ threshold
Recommend · adjuster confirms
Escalate · senior / specialist
Manual · L1 assist only
Gate 2 is the constraining gate
Six weeks of manual enrichment, replaced with a signed decision trail our regulator could actually read. Claim STP went from 11% to 64% in a single quarter, and every edge case was traceable.
HC
Head of Claims Transformation
TOP-20 EU P&C INSURER · 8M POLICIES
FAQs

Common questions.

Security & compliance

Trust by architecture, not assertion.

Every decision signed, every model version locked, every data fetch logged. Compliance isn't bolted on — it's structural.

Compliance status
GDPR · Article 22ACTIVE
EU AI Act · Annex IIIACTIVE
SOC 2 Type IIIN PROGRESS
ISO 27001:2022CERTIFIED
ISO 42001ALIGNED
FCA Consumer DutyIN PROGRESS
PCI DSSSCOPED OUT
Structural guarantees, not configurations
Zero training on customer data
No fine-tuning, no telemetry, no cross-customer learning. Your claims never improve someone else's model.
EU-only residency
Inference, storage and logging inside EU data centres. DE-1 primary, NL-1 failover, region-locked by configuration.
Model version lock
No silent updates. Every model call is prompt SHA-pinned and every version change is replay-tested and carrier-approved.
Append-only event store
Every state change is an immutable event. Ten-year retention, regulator-readable export.

Also structural: Customer-managed keys · Canary and auto-rollback · Zero trust network · Pen tested quarterly · Human oversight gates above L2

DECISIONRECORD · WHAT THE REGULATOR READS
writing
claim_id:
corridor:
gate:
verdict:
confidence:
payout:
latency:
maturity:
model_in_path:
prompt_sha:
signed_by:
audit_chain:

Signed per atomic decision. Replayable against the exact model and prompt version that produced it. Medley AI keeps the trail, you keep the thresholds.

Pilot one corridor. Ninety days.

Fixed scope, fixed fee. A production reference at the end, not a proof of concept.

See how it works