The basics of business process automation have been explained sufficiently. On the other hand, the structuring of technical processes is something experts could talk about for days on end. That is why projects see extensive discussions about how to define disqualifications, distributions, clearing and automation levels.
The explanation for this is that good business process automation is supposed to support case handlers to the maximum extent possible, and insurance companies generally want a high degree of automation. This ensures that standard processes are handled automatically and case handlers no longer have to deal with these routine procedures.
Instead, they are left to work on challenging or disputed cases. To automate the payment settlement process, for example, data received by input management (from scans, apps, e-mails etc.) are documented and prepared for further processing. Bills are then checked by a machine and reduced if necessary, and the statement is sent to the customer automatically (by e-mail, app or post).
These automated processes are based on process stages controlled by a business process engine (BPE). The various technical processing stages are subject to specific rules which can lead to the process being disqualified from automated processing (to be dealt with manually instead) for individual customers.