Since its founding in 1909, the International Claim Association (ICA) has been at the forefront of addressing a broad range of life, health and disability claim issues, including those relevant in the day-to-day operation of claim departments. The ICA provides a forum for information exchange and a program of education tailored to the needs of its member life and health insurance companies, reinsurers, managed care companies, TPAs, and Blue Cross and Blue Shield organizations worldwide.
ICA's tradition of providing beneficial service to the industry has been guided by a well-established set of goals. The purpose of the ICA is to:
- Promote efficiency, effectiveness and high standards of performance in claim administration by member companies
- Provide a forum for research, education and the exchange of ideas relating to various aspects of claim administration
- Devise and effect measures for the benefit of policyholders and beneficiaries in matters relating to claims
Statement of Principles
As a condition of ICA membership, every company must agree to adhere to this Statement of Principles:
The International Claim Association, in recognition of the need to continue public trust and confidence in the insurance industry, reaffirms the following principles:
- Any individual who has, or believes they have, a claim is entitled to courteous, fair and just treatment; and shall receive with reasonable promptness an acknowledgment of any communications with respect to their claim.
- Every claimant is entitled to prompt investigation of all facts, an objective evaluation and the fair and equitable settlement of their claim as soon as liability has become reasonably clear.
- Claimants are to be treated equally and without considerations other than those dictated by the provisions of their contracts.
- Claimants shall not be compelled to institute unnecessary litigation in order to recover amounts due, nor shall the failure to settle a claim under one policy or one portion of a policy be used to influence settlement under another policy or portion of a policy.
- Recognizing the obligation to pay promptly all just claims, there is an equal obligation to protect the insurance-buying public from increased costs due to fraudulent or non-meritorious claims.
- Procedures and practices shall be established to prevent misrepresentation of pertinent facts or policy provisions, to avoid unfair advantage by reason of superior knowledge, and to maintain accurate insurance claim records as privileged and confidential.
- Reasonable standards shall be implemented to provide for adequate personnel, systems and procedures to effectively service claims. These standards shall be such as to eliminate unnecessary delays or requirements, over-insistence on technicalities, and excessive appraisals or examinations. Claim personnel shall be encouraged and assisted in further developing their knowledge, expertise, and professionalism in the field of claim administration.