Policy wording, medical evidence, employment records and correspondence often live in different places.
Private beta: claimant case creation and sharing are being prepared for the standalone service.
Income protection for a stronger South Africa
A clearer path through
income protection claims.
Different ways in. One shared claim. Claimant always included.
ClaimHub connects claimants, employers, advisers, clinicians and claims teams around the same live case — with the right information, the right permissions and clear next steps.
✓ Claimant-facing ClaimBuddy
✓ One shared claim record
✓ Role-based professional access
✓ South Africa first
For claimants
ClaimBuddy
Your claim. Your view. Your control.
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One shared
claim record Policy · Evidence · Timeline · Requests · Decision
claim record Policy · Evidence · Timeline · Requests · Decision
For professionals
ClaimHub
Coordinate. Review. Respond.
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Different ways in. One shared claim.
The market challenge
Income protection claims are rarely a single-document process.
A claim can sit across a policy, employer records, medical evidence, occupational information, correspondence and a decision process — with each participant holding a different part of the picture.
The result is often a fragmented experience: claimants are trying to understand what is needed, professionals are working from different records, and important evidence or context can arrive late or in the wrong format.
Claimants, employers, advisers, clinicians and claims teams may each see only part of the case.
Clinical facts do not automatically explain functional impact, material duties or the policy test.
Requests, deadlines, missing documents and decisions can become hard to track across email and separate systems.
The market
One category of claim. Multiple entry points and participants.
ClaimHub is designed for the South African income-protection journey across both group and individual cover, while keeping the claimant visible throughout.
👥Group coverEmployer-linked arrangements where HR, payroll and occupational information may be part of the claim.
👤Individual coverPolicies held directly by an individual, often with adviser and insurer involvement.
◎ClaimantsNeed clarity, visibility and a coherent record of what has happened and what is still needed.
◉ProfessionalsEmployers, advisers, clinicians and claims teams need role-specific access without creating parallel case files.
ClaimHub’s role
Turn a fragmented multi-party process into one coordinated claim record.
ClaimBuddy gives the claimant a dedicated experience. ClaimHub gives authorised professionals the view they need. ClaimHub Resources provides claims guidance around the case, with links to separate clinical and public-support references where relevant.
01 · The context
Income protection claims involve more than one person — and more than one type of evidence.
Policies can be arranged through an employer or held individually. Either way, the claim can involve policy wording, employment records, medical evidence, functional impact, timelines and insurer correspondence.
Understand the claim journey →Group cover
Often linked to employment. Employer / HR may hold policy, payroll, duties and absence information.
- Policy and scheme information
- Employment records
- Job duties and absence dates
Individual cover
Held for the individual. The claimant or adviser may hold the policy and starting documents.
- Policy wording and schedule
- Claimant-held records
- Direct insurer correspondence
Same goal
Make the claim easier to understand, organise and assess against the policy and available evidence.
Different policies. Same need for clarity.02 · Different ways in
A case can start from different places.
Who starts the case does not change the outcome we are aiming for: the claimant remains visible and the case is organised around one shared record.
Build the claim, add documents and invite others when needed.
Start your claim →Group cover, duties, payroll and absence records can form the starting point.
Employer workspace →Organise the policy, claim file, evidence gaps or an existing decision.
Adviser workspace →Organise an already-open or declined claim without starting the insurance process again.
Organise a claim →
👤✓
In every case, ClaimBuddy is the claimant-facing side.
The claimant should be able to understand what is happening, contribute to the record and control who can participate.
03 · One shared claim
Two connected experiences. One underlying case.
ClaimBuddy and ClaimHub are views over the same case record, not separate copies.
For claimants
ClaimBuddy
Your claim. Your view. Your control.
- Build and track the claim
- Upload and organise documents
- Understand policy wording
- Map functional impact
- See evidence gaps
- Prepare decisions and review material
One shared
live claim record
- One source of truth
- Documents and evidence
- Permission-based access
- Requests and tasks
- Clear status and next steps
PolicyTimelineFunctionEvidenceRequestsDecision
For professionals
ClaimHub
Coordinate. Review. Respond.
- Work on assigned cases
- Request and provide information
- Use trusted reference tools
- Track tasks and events
- Contribute source evidence
- Work within authorised scope
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Access follows the case, not the job title. Professional participation is bounded by case membership, role capability, claimant-authorised scope and explicit document sharing.
04 · Knowledge when it matters
ClaimHub Resources helps people understand the claim.
Guides, tools, definitions and trusted references sit alongside the live case so people can make sense of what the policy asks for and what evidence may be needed. Some detailed guides currently open on a linked reference site.
▤Step-by-step guidesUnderstand each stage.
▥Policy termsPlain-language explanations.
⌕Evidence gapsSee what may be missing.
◉Functional impactConnect health and work.
✚Disability definitionsUnderstand policy tests.
▦Insurer directoryFind South African insurers.
⚖NFO & ombudUnderstand escalation.
⚕Clinical referenceConditions and medicines.
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05 · Claims knowledge
Guidance belongs with the claim.
ClaimHub Resources brings claims guidance on policy wording, evidence, function, insurers and disputes alongside the shared case. Separate clinical and public-support products are linked where relevant.
▤Policy & insurerDefinitions, structures and reference context.
⚕Clinical & medicalConditions, medicines and clinical context.
▣OccupationalWork, duties and functional context.
⚖Legal & regulatoryRelevant South African regulatory context.
👥Dispute & ombudReview and escalation pathways.
Who ClaimHub is for
One platform. Different responsibilities.
Each participant sees the parts of the case they are authorised to work with, while the claimant remains at the centre.
Claimants
Understand the claim, organise records, track what is needed and control participation.
Employers / HR
Provide employment facts, duties, absence records and group-cover information.
Advisers
Support policy interpretation, chronology, evidence organisation and review preparation.
Clinicians
Provide medical and functional evidence without rewriting the claimant’s own story.
Claims teams
Review authorised evidence, request information and provide decisions and documents.
Start where you are
Already claiming, just getting started, or trying to understand what comes next?
ClaimHub gives the claim a clearer structure without pretending every claim follows the same path.
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RiskAtlasClaims intelligence. Evidence. Better decisions.
Built and operated by RiskAtlas.
ClaimHub Resources provides claims guidance alongside the live case.
People. Evidence.
Fair outcomes.
Fair outcomes.
Private beta: the standalone public site is available for review. Claimant identity, document storage, and professional invitation acceptance are still being completed before case workspaces go live.