MFine · 2023

Corporate Benefits & Claims Settlement

A unified claims orchestration portal and design system for HR teams and TPAs, automating employee census onboarding and cashless hospital pre-authorizations.

ROLE
Product Designer & Design Systems Lead
TIMELINE
8 Weeks
TEAM / CONTEXT
Aditya Diundi (Design Lead) · B2B Product Managers · Engineering Lead
Tags: Enterprise SaaS, InsurTech, Design Systems, Access Control

The Bottleneck

Enterprise group health insurance management is notoriously fragmented. HR operations teams juggle disparate Third-Party Administrator (TPA) portals, disconnected employee census spreadsheets, and opaque cashless hospital authorization queues.

Manual census updates cause catastrophic delays: hospital pre-authorizations are rejected because employee activation data was stuck in CSV limbo during a medical emergency.

Legacy insurance portals suffer from brutal cognitive overload: dense unorganized tables, zero bulk action capabilities, and zero audit trails for disputed claims.

The Architecture & Scope

Core Architecture & Ownership

  • Owned the information architecture for the B2B Employer Portal and the Arbiter Claims Tracker.
  • Built a complete reusable design token catalog and component library for enterprise tables, modal policy matrices, and filter drawer states.
  • Designed the batch CSV upload validation pipeline with visual diffing.

Technical & Operational Constraints

  • Enterprise Data Density: Operations coordinators needed to view 20+ columns per row with keyboard-only navigation.
  • Data Integrity: An erroneous bulk deactivation could revoke health coverage for thousands of dependents.
  • Legacy Backend: TPA APIs had high latency and asynchronous reconciliation cycles.

Process & Engineering Decisions

1. High-Density Employee Catalog with Visual Diff Dry-Runs

Designed a keyboard-friendly employee management table supporting instant multi-select, bulk activate/deactivate, and dry-run CSV validation that highlights syntax errors and schema mismatches before changes are committed.

MFine Corporate Claims and Benefits Architecture

Tradeoff: Prioritized information density over whitespace to ensure operations teams can audit 50 rows per viewport without horizontal scrolling.

2. Arbiter 4-Stage Visual Claims Tracker

Replaced cryptic tabular status codes with a visual stage-by-stage pipeline for cashless and reimbursement claims, tracking TPA reviews, queries, and MedPay settlements in real time.

Arbiter Claims Flow Pipeline and Modal Policy Matrix

Tradeoff: Dedicates vertical screen space to the pipeline, but drastically reduces customer support tickets and status confusion.

The Impact

100K+
employees covered under unified benefits
< 15 min
cashless hospitalization pre-authorizations
-62%
reduction in HR manual census update time

The redesigned claims portal eliminated CSV reconciliation backlog and provided enterprise benefits managers with live visibility into hospital authorizations.

Design Technologist Retrospective

"I would establish an automated bi-directional API sync with common enterprise HRMS tools (Darwinbox, Zoho People) earlier in the design phase to remove manual CSV uploads entirely."