›Why parametric insurance needs trigger-based automation
Parametric insurance pays out automatically when a measurable trigger occurs — a hurricane category, a rainfall threshold, a flight delay. In 2026, the operational challenge is orchestrating the trigger, eligibility, payout and archiving in one auditable flow.
Utilyx models this with useStart triggers: an external event (API, webhook, sensor) starts the workflow, the system checks the policy terms, computes the payout and issues the settlement.
›The trigger-based payout workflow
- Trigger: an external event (weather API, flight data, IoT sensor) starts the workflow via useStart.
- Eligibility: automatic check of the policy terms and the trigger threshold.
- Payout computation: amount calculated from the policy schedule and the trigger intensity.
- Validation: low-value payouts auto-approve; above threshold escalate to a claims officer.
- PDF settlement: the payout notice is generated automatically (usePDF).
- Archiving: the settlement is filed in a tamper-evident archive (useArchive).
- Notification: the policyholder receives the payout confirmation with a direct link.
›Concrete benefits
Parametric insurers report payouts delivered in hours instead of weeks, full traceability of the trigger and decision, and zero manual handoffs on low-value claims — the workflow handles them end-to-end.
The parametric vocabulary (trigger, threshold, payout, parametric cover, index) is native, so the copilot proposes the right schema directly.
›The workflow in real time
Every node is executable, every branch is testable. Visualize the actual flow of your data while you design.
›Measured gains after automation
Temps de règlement sinistre
Before
15 jours
After
3 jours
Taux de fraude détectée
Before
2%
After
8,5%
Coût par sinistre
Before
120 €
After
18 €
Satisfaction client (NPS)
Before
32
After
58
›How to automate this process — step by step
Capter la déclaration
Le sinistre est saisi via un formulaire structuré avec pièces jointes (photos, documents) et validation automatique des champs obligatoires.
Routage intelligent
Le workflow route automatiquement vers le bon ajusteur selon le type, le montant et la complexité du sinistre.
Valider et décider
L'ajusteur valide, refuse ou demande un complément — chaque décision est tracée avec horodatage et données en lecture seule.
Générer le document
usePDF produit automatiquement la lettre de règlement, le détail des indemnisations et le récapitulatif client.
Archiver et notifier
useArchive classe le dossier, le client reçoit une notification avec lien direct, et le règlement est tracé de bout en bout.
›Return on investment
Frequently asked questions
How does an external trigger start the workflow?
useStart exposes a webhook/API that an external system (weather API, IoT sensor, flight data) calls to start the workflow with the trigger payload.
Are payouts auditable end-to-end?
Yes. The trigger payload, eligibility check, payout computation and settlement PDF are all journaled and archived in a tamper-evident archive.
Ready to automate your processes?
Utilyx lets you design, automate and orchestrate your workflows visually — with an AI copilot, OCR, PDF generation and legal archiving. Start in minutes, not weeks.