ShtegInsure — Rail R06

Claims approved.
Paid instantly.

The moment underwriting approves a claim, ShtegInsure executes the payment on the federal instant payment network. No check run. No ACH batch. No five-business-day wait. The approval is the payment.

Join the waitlist → How it works
Rail R06 — ACTIVE · Accepting carriers now
The problem we solve

Approved doesn't mean paid.

Insurance carriers approve claims and then trigger a payment process that takes days. The claimant waits while the money sits. ShtegInsure connects adjudication directly to disbursement.

Traditional claims payment
Underwriting approval → payment queue
Payment queue → check print or ACH batch
ACH batch → 3–5 business day hold
Claimant calls to ask where the money is
Total: 5–10 days after approval
With ShtegInsure
Underwriting approval → ShtegInsure triggered
Party verification → instant (automated)
Federal payment network → confirms in seconds
Claimant receives funds and confirmation
Total: under 30 seconds after approval
How It Works

Claim approved. Claimant paid.

01

Adjudication trigger

Your claims system triggers ShtegInsure the moment underwriting approves. No manual handoff, no export file — the signal is automatic.

02

Claimant verification

Claimant identity and bank account confirmed. Sanctions screening completed automatically. Any issue flags for review before payment proceeds.

03

Instant disbursement

Funds move on the federal instant payment network. Settlement confirmed within seconds. Claimant notified immediately via SMS or email.

04

Audit & reporting

Every payment produces a full audit record — timestamped, verified, and formatted for regulatory reporting and internal controls.

Lines of business supported

✓ Personal auto — collision & comprehensive
✓ Homeowners & renters property claims
✓ Health insurance supplemental payments
✓ Life insurance benefit disbursements
✓ Disability & income replacement
✓ Commercial general liability settlements
✓ Workers' compensation payments
✓ Travel insurance emergency disbursements
Features

Built for carriers and their claimants.

⚡
Approval-to-payment in seconds
Connect your adjudication system directly. Approved claims trigger disbursement automatically — no payment queue.
🔔
Real-time claimant notifications
Claimants receive payment confirmation via SMS and email the instant funds are transferred. No more "where's my check" calls.
🛡️
Fraud screening built in
Every disbursement passes identity verification and sanctions screening automatically. Flags route to your claims team for review.
🔗
Claims system integration
Connects to existing claims management platforms. No rip-and-replace — ShtegInsure sits in front of your current system.
📊
Disbursement analytics
Real-time dashboard for claims directors. Payment velocity, fraud flags, and denial rates visible in one place.
📋
Regulatory reporting
Every payment logged for state insurance department reporting, internal audit, and reinsurance documentation.
Request Carrier Access

ShtegInsure is live.

ShtegInsure is actively processing claims. Tell us about your operation and we'll get you onboarded to the R06 rail.