Initiative transforms supplemental health claims processing from days to minutes with real-time decisions and payments
Securian Financial announced the launch of AI-enabled instant claims decision and benefit payment capabilities for its supplemental health insurance products—the first offering of its kind in the marketplace. This breakthrough innovation transforms the typical supplemental health claims experience from days of waiting to real-time results, with eligible claims receiving decisions within minutes of submission.
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Securian’s supplemental health insurance suite, including accident, critical illness and hospital indemnity insurance, is offered through employers as part of their workplace benefits packages. These products pay cash benefits directly to employees when they experience covered health events, helping them manage costs during challenging times.
A first-to-market solution: From days to minutes
While Securian already leads the voluntary benefits industry with less than a day average claims turnaround1, its new AI-enabled system dramatically accelerates the timeline for eligible claims:
- Instant decisions: Eligible claims are approved within minutes of submission through Securian’s AI-enabled decision engine
- Immediate payment: Approved benefits are delivered in real-time through a modern instant payment solution
- Proactive transparency: Real-time status updates eliminate the need for employees to check claim status
- Built in protection: Advanced AI-enabled fraud detection solution helps safeguard benefit integrity while maintaining speed
How instant claims decision and payment capabilities work
Securian’s AI-enabled claims journey includes two core components:
1. INSTANT DECISION RULES ENGINE AND IMMEDIATE PAYMENT SYSTEM
AI technology evaluates claims upon digital submission, analyzing documentation and applying policy terms in real-time. For straightforward claims with complete information, the system renders decisions within minutes and initiates payment processing immediately for approved claims. More complex cases requiring additional review follow human-in-the-loop enhanced processing while maintaining Securian’s industry-leading turnaround standards. No claim will be denied without review by a human claims examiner.
2. EMBEDDED FRAUD DETECTION
Advanced AI models detect anomalies and patterns that indicate potentially fraudulent activity, protecting benefit integrity without slowing legitimate claims.
Together, these capabilities reduce the uncertainty and anxiety employees often feel during the claims process, creating a faster, simpler and more trustworthy experience.
A breakthrough for employers and benefits brokers
Securian’s new capabilities help employers strengthen their workplace benefit strategies and help benefits brokers deliver the modern, consumer-grade service employees expect.
Most voluntary benefits claims will now be paid the same day, often within minutes—redefining what exceptional customer experience looks like in the industry.
“When employees face a health crisis or injury, the last thing they should worry about is when their claim will be processed,” said Eli Vogen, vice president for Employee Benefits Solutions at Securian Financial. “We’ve eliminated the waiting for eligible claims. This isn’t an incremental improvement—it’s setting a new standard for what voluntary benefits should deliver in moments that matter most.”
The instant decision and payment capabilities will be available to all plans effective January 1, 2027, and rolled out to current Securian voluntary benefits clients in 2026, covering accident, critical illness and hospital indemnity insurance products.
A significant AI move for Securian Financial, with more to come
The instant decision and payment capability is a significant result of Securian Financial’s enterprise AI strategy.
“Building secure tomorrows means being there for employees during life’s most challenging moments—when it counts, not down the line. This capability represents exactly what our vision calls for: innovative benefits solutions that demonstrate genuine care when it matters most,” said Sid Gandhi, executive vice president for Employee Benefits Solutions at Securian Financial. “We’ve been investing in our AI capabilities and data infrastructure for years to make this possible, and this is just the beginning of what our enterprise AI strategy will deliver.”
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