OpenChainGraph Suite · ART-257 · Insurance STP

Claims STP Economics Calculator

Models the ROI, NPV, and IRR of straight-through processing automation for insurance claims. Computes annual handling cost savings from STP rate improvement, optional leakage impact analysis, discounted cash flow projections, and payback period. All inputs are aggregate portfolio metrics — no policyholder or claim-level data.

Claims Automation NPV / IRR / Payback McKinsey Benchmarks Leakage Modeling Proofs Deferred
🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only. This tool accepts aggregate portfolio metrics and cost inputs only — no claimant, policyholder, or claim-event personal data.
Claims Volume & STP Rates
Total claims processed per year across all lines.
Current percentage of claims processed without human touch.
Projected STP rate after automation investment.
Handling Costs
Fully loaded cost to handle one claim manually (staff, time, overhead).
Cost to handle one STP claim (technology, review, maintenance).
Investment & Projection
One-time upfront investment for STP automation platform.
Recurring annual software license or SaaS fees.
Hurdle rate / WACC for NPV calculation.
Number of years for discounted cash flow projection (1-10).
Leakage Modeling (optional)
Average claim payment amount. Required for leakage analysis.
Overpayment / leakage rate for manually-handled claims.
Overpayment / leakage rate for STP-handled claims.
Economics Summary
Annual Cash Flows
YearCash Flow ($)Discounted ($)
Execution Hash (SHA-256)

  







  

    
Ask your agent

    
  

  
Copy this paragraph into Claude, OpenClaw, or any MCP-aware agent to run this exact tool, with this sample, and verify the artifact.

  
Run the AINumbers MCP tool `calculate_claims_stp_economics`. Task: Compute the financial business case for insurance claims Straight-Through Processing (STP) automation.
Call it with arguments: {"policy_parameters":{"annual_claims_volume":100000,"current_stp_rate_pct":40,"target_stp_rate_pct":75,"manual_handling_cost":180,"automated_handling_cost":25,"implementation_cost":5000000,"annual_license_cost":500000,"discount_rate_pct":10,"projection_years":5}}
Verify before trusting: call `verify_execution_hash` on mcp.ainumbers.co (https://mcp.ainumbers.co/mcp) with the parameter `claimed_hash` set to the returned `execution_hash`, passing the full artifact the run returned (the object containing `policy_parameters` + `output_payload` + `execution_hash`; equivalently `policy_parameters` + `output_payload` with `claimed_hash`), not the bare hash string.
Return the ledger link https://ledger.ainumbers.co/ so a human can re-verify without contacting us.
PII rule: All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
Open the tool with the sample prefilled: https://ainumbers.co/chaingraph/art-257-calculate-claims-stp-economics.html#p=v1.H4sIAAAAAAAA_wHxAA7_eyJhbm51YWxfY2xhaW1zX3ZvbHVtZSI6MTAwMDAwLCJjdXJyZW50X3N0cF9yYXRlX3BjdCI6NDAsInRhcmdldF9zdHBfcmF0ZV9wY3QiOjc1LCJtYW51YWxfaGFuZGxpbmdfY29zdCI6MTgwLCJhdXRvbWF0ZWRfaGFuZGxpbmdfY29zdCI6MjUsImltcGxlbWVudGF0aW9uX2Nvc3QiOjUwMDAwMDAsImFubnVhbF9saWNlbnNlX2Nvc3QiOjUwMDAwMCwiZGlzY291bnRfcmF0ZV9wY3QiOjEwLCJwcm9qZWN0aW9uX3llYXJzIjo1fZG8_13xAAAA