<div class="chartlet-wrapper"><style>.chartlet-stage{position:relative;display:inline-block;max-width:100%;vertical-align:top}.chartlet-stage>svg{display:block}.chartlet-hotspot{position:absolute;border-radius:8px;cursor:pointer}.chartlet-focus{margin:0 0 12px 0;font-size:13px}.chartlet-focus summary{cursor:pointer;min-height:24px}.chartlet-focus fieldset{border:none;padding:0;margin:4px 0 0 0}.chartlet-focus label{display:inline-flex;align-items:center;min-height:44px;margin-right:14px;cursor:pointer;white-space:nowrap}.chartlet-focus input{margin-right:4px}.chartlet-focus input:focus-visible{outline:2px solid #2563eb;outline-offset:2px}.chartlet-wrapper:has(.chartlet-focus-node:checked) #chartlet-61237710dd17e117 .chartlet-f{opacity:.18}#chartlet-61237710dd17e117-hs-0{left:9.494%;top:46.099%;width:12.345%;height:15.06%}#chartlet-61237710dd17e117-hs-1{left:26.506%;top:44.291%;width:10.833%;height:18.675%}#chartlet-61237710dd17e117-hs-2{left:43.672%;top:26.52%;width:10.833%;height:18.675%}#chartlet-61237710dd17e117-hs-3{left:60.839%;top:26.52%;width:10.833%;height:18.675%}#chartlet-61237710dd17e117-hs-4{left:79.672%;top:48.207%;width:10.833%;height:10.843%}.chartlet-wrapper:has(#chartlet-61237710dd17e117-focus-0:checked) #chartlet-61237710dd17e117 .chartlet-f-0{opacity:1}.chartlet-wrapper:has(#chartlet-61237710dd17e117-focus-0:checked) #chartlet-61237710dd17e117 .chartlet-n-0 .chartlet-flow-node,.chartlet-wrapper:has(#chartlet-61237710dd17e117-focus-0:checked) #chartlet-61237710dd17e117 .chartlet-n-0 .chartlet-seq-box{stroke-width:3}.chartlet-wrapper:has(#chartlet-61237710dd17e117-focus-1:checked) #chartlet-61237710dd17e117 .chartlet-f-1{opacity:1}.chartlet-wrapper:has(#chartlet-61237710dd17e117-focus-1:checked) #chartlet-61237710dd17e117 .chartlet-n-1 .chartlet-flow-node,.chartlet-wrapper:has(#chartlet-61237710dd17e117-focus-1:checked) #chartlet-61237710dd17e117 .chartlet-n-1 .chartlet-seq-box{stroke-width:3}.chartlet-wrapper:has(#chartlet-61237710dd17e117-focus-2:checked) #chartlet-61237710dd17e117 .chartlet-f-2{opacity:1}.chartlet-wrapper:has(#chartlet-61237710dd17e117-focus-2:checked) #chartlet-61237710dd17e117 .chartlet-n-2 .chartlet-flow-node,.chartlet-wrapper:has(#chartlet-61237710dd17e117-focus-2:checked) #chartlet-61237710dd17e117 .chartlet-n-2 .chartlet-seq-box{stroke-width:3}.chartlet-wrapper:has(#chartlet-61237710dd17e117-focus-3:checked) #chartlet-61237710dd17e117 .chartlet-f-3{opacity:1}.chartlet-wrapper:has(#chartlet-61237710dd17e117-focus-3:checked) #chartlet-61237710dd17e117 .chartlet-n-3 .chartlet-flow-node,.chartlet-wrapper:has(#chartlet-61237710dd17e117-focus-3:checked) #chartlet-61237710dd17e117 .chartlet-n-3 .chartlet-seq-box{stroke-width:3}.chartlet-wrapper:has(#chartlet-61237710dd17e117-focus-4:checked) #chartlet-61237710dd17e117 .chartlet-f-4{opacity:1}.chartlet-wrapper:has(#chartlet-61237710dd17e117-focus-4:checked) #chartlet-61237710dd17e117 .chartlet-n-4 .chartlet-flow-node,.chartlet-wrapper:has(#chartlet-61237710dd17e117-focus-4:checked) #chartlet-61237710dd17e117 .chartlet-n-4 .chartlet-seq-box{stroke-width:3}</style><details class="chartlet-focus"><summary>Focus</summary><fieldset><label><input type="radio" name="chartlet-61237710dd17e117-focus" checked> Show all</label><label><input type="radio" name="chartlet-61237710dd17e117-focus" class="chartlet-focus-node" id="chartlet-61237710dd17e117-focus-0"> Claim received</label><label><input type="radio" name="chartlet-61237710dd17e117-focus" class="chartlet-focus-node" id="chartlet-61237710dd17e117-focus-1"> First check</label><label><input type="radio" name="chartlet-61237710dd17e117-focus" class="chartlet-focus-node" id="chartlet-61237710dd17e117-focus-2"> Assessment</label><label><input type="radio" name="chartlet-61237710dd17e117-focus" class="chartlet-focus-node" id="chartlet-61237710dd17e117-focus-3"> Appeal</label><label><input type="radio" name="chartlet-61237710dd17e117-focus" class="chartlet-focus-node" id="chartlet-61237710dd17e117-focus-4"> Closed</label></fieldset></details><figure class="chartlet-figure" data-viz="chart"><figcaption>How insurance claims were settled</figcaption><div class="chartlet-stage"><svg xmlns="http://www.w3.org/2000/svg" width="960" height="332" viewBox="0 0 960 332" id="chartlet-61237710dd17e117" role="img" aria-labelledby="chartlet-61237710dd17e117-title chartlet-61237710dd17e117-description" class="chartlet-root"><title id="chartlet-61237710dd17e117-title">How insurance claims were settled</title><desc id="chartlet-61237710dd17e117-description">Flow chart with 5 steps and 6 connections. Main path: Claim received → First check → Closed. Most connected: First check, Assessment and Closed (3 connections each). Claim received (start): leads to First check. First check: leads to Assessment and Closed. Assessment: leads to Appeal and Closed. Appeal: leads to Closed. Closed (end): no further step. Parts: First check: settled 5200 (42%), assessed 6400 (52%), rejected 800 (6%); Assessment: settled 4100 (64%), rejected 1300 (20%), appealed 1000 (16%); Appeal: settled 450 (45%), rejected 550 (55%).</desc><style>.chartlet-root{--chartlet-text:#172033;--chartlet-muted:#344054;--chartlet-grid:#d9dee8;--chartlet-zero:#667085;--chartlet-accent:#2563eb;--chartlet-background:#fff;--chartlet-color-1:#2563eb;--chartlet-color-2:#c2410c;--chartlet-color-3:#475569;--chartlet-color-4:#111827;max-width:100%;height:auto;font-family:Inter,ui-sans-serif,system-ui,sans-serif;color:var(--chartlet-text)}#chartlet-61237710dd17e117 .chartlet-title{font-size:22px;font-weight:650;fill:var(--chartlet-text)}#chartlet-61237710dd17e117 .chartlet-label,#chartlet-61237710dd17e117 .chartlet-tick,#chartlet-61237710dd17e117 .chartlet-value,#chartlet-61237710dd17e117 .chartlet-value-inverse,#chartlet-61237710dd17e117 .chartlet-axis-title{font-size:12px;fill:var(--chartlet-muted)}#chartlet-61237710dd17e117 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.chartlet-part-2{fill:var(--chartlet-color-2)}#chartlet-61237710dd17e117 .chartlet-part-3{fill:var(--chartlet-color-3)}#chartlet-61237710dd17e117 .chartlet-part-4{fill:var(--chartlet-color-4)}#chartlet-61237710dd17e117 .chartlet-part-5{fill:var(--chartlet-part-5)}#chartlet-61237710dd17e117 .chartlet-part-6{fill:var(--chartlet-part-6)}#chartlet-61237710dd17e117 .chartlet-part-7{fill:var(--chartlet-part-7)}#chartlet-61237710dd17e117 .chartlet-part-8{fill:var(--chartlet-part-8)}#chartlet-61237710dd17e117 .chartlet-legend{font-size:12px;fill:var(--chartlet-muted)}</style><g class="chartlet-f chartlet-f-0 chartlet-f-1"><polyline points="209.655,178.048 246.455,178.048" class="chartlet-flow-edge chartlet-flow-main"><title>Claim received → First check</title></polyline><polyline points="246.455,181.548 254.455,178.048 246.455,174.548 246.455,181.548" class="chartlet-flow-head chartlet-flow-main-head"/></g><g class="chartlet-f chartlet-f-1 chartlet-f-2"><polyline points="358.455,155.048 380.855,155.048 380.855,119.048 411.255,119.048" class="chartlet-flow-edge"><title>First check → Assessment</title></polyline><polyline points="411.255,122.548 419.255,119.048 411.255,115.548 411.255,122.548" class="chartlet-flow-head"/></g><g class="chartlet-f chartlet-f-1 chartlet-f-4"><polyline points="358.455,178.048 756.855,178.048" class="chartlet-flow-edge chartlet-flow-main"><title>First check → Closed</title></polyline><polyline points="756.855,181.548 764.855,178.048 756.855,174.548 756.855,181.548" class="chartlet-flow-head chartlet-flow-main-head"/></g><g class="chartlet-f chartlet-f-2 chartlet-f-3"><polyline points="523.255,107.048 545.655,107.048 545.655,119.048 576.055,119.048" class="chartlet-flow-edge"><title>Assessment → Appeal</title></polyline><polyline points="576.055,122.548 584.055,119.048 576.055,115.548 576.055,122.548" class="chartlet-flow-head"/></g><g class="chartlet-f chartlet-f-2 chartlet-f-4"><polyline points="523.255,131.048 545.655,131.048 545.655,164.048 710.455,164.048 710.455,173.048 756.855,173.048" class="chartlet-flow-edge"><title>Assessment → Closed</title></polyline><polyline points="756.855,176.548 764.855,173.048 756.855,169.548 756.855,176.548" class="chartlet-flow-head"/></g><g class="chartlet-f chartlet-f-3 chartlet-f-4"><polyline points="688.055,119.048 726.455,119.048 726.455,168.048 756.855,168.048" class="chartlet-flow-edge"><title>Appeal → Closed</title></polyline><polyline points="756.855,171.548 764.855,168.048 756.855,164.548 756.855,171.548" class="chartlet-flow-head"/></g><g class="chartlet-f chartlet-n-0 chartlet-f-0 chartlet-f-1"></g><g class="chartlet-f chartlet-n-1 chartlet-f-0 chartlet-f-1 chartlet-f-2 chartlet-f-4"></g><g class="chartlet-f chartlet-n-2 chartlet-f-1 chartlet-f-2 chartlet-f-3 chartlet-f-4"></g><g class="chartlet-f chartlet-n-3 chartlet-f-2 chartlet-f-3 chartlet-f-4"></g><g class="chartlet-f chartlet-n-4 chartlet-f-1 chartlet-f-2 chartlet-f-3 chartlet-f-4"></g><g class="chartlet-f chartlet-n-0 chartlet-f-0 chartlet-f-1"><polyline points="184.655,155.548 194.222,157.451 202.333,162.87 207.752,170.981 209.655,180.548 207.752,190.115 202.333,198.225 194.222,203.645 184.655,205.548 116.145,205.548 106.578,203.645 98.467,198.225 93.048,190.115 91.145,180.548 93.048,170.981 98.467,162.87 106.578,157.451 116.145,155.548 184.655,155.548" class="chartlet-diagram-shadow"/><polyline points="184.655,153.048 194.222,154.951 202.333,160.37 207.752,168.481 209.655,178.048 207.752,187.615 202.333,195.725 194.222,201.145 184.655,203.048 116.145,203.048 106.578,201.145 98.467,195.725 93.048,187.615 91.145,178.048 93.048,168.481 98.467,160.37 106.578,154.951 116.145,153.048 184.655,153.048" class="chartlet-flow-node chartlet-flow-start chartlet-role-green"><title>Claim received – 12,400 claims</title></polyline><text x="150.4" y="175.548" text-anchor="middle" class="chartlet-flow-label">Claim received</text><text x="150.4" y="189.548" text-anchor="middle" class="chartlet-flow-sublabel">12,400 claims</text></g><g class="chartlet-f chartlet-n-1 chartlet-f-0 chartlet-f-1 chartlet-f-2 chartlet-f-4"><rect x="254.455" y="149.548" width="104" height="62" class="chartlet-diagram-shadow"/><rect x="254.455" y="147.048" width="104" height="62" class="chartlet-flow-node chartlet-role-blue"><title>First check – 12,400</title></rect><text x="306.455" y="169.548" text-anchor="middle" class="chartlet-flow-label">First check</text><text x="306.455" y="183.548" text-anchor="middle" class="chartlet-flow-sublabel">12,400</text><rect x="266.455" y="197.048" width="33.548" height="6" class="chartlet-part chartlet-part-1"><title>settled 5200 (42%)</title></rect><rect x="300.003" y="197.048" width="41.29" height="6" class="chartlet-part chartlet-part-2"><title>assessed 6400 (52%)</title></rect><rect x="341.294" y="197.048" width="5.161" height="6" class="chartlet-part chartlet-part-3"><title>rejected 800 (6%)</title></rect></g><g class="chartlet-f chartlet-n-2 chartlet-f-1 chartlet-f-2 chartlet-f-3 chartlet-f-4"><rect x="419.255" y="90.548" width="104" height="62" class="chartlet-diagram-shadow"/><rect x="419.255" y="88.048" width="104" height="62" class="chartlet-flow-node chartlet-role-blue"><title>Assessment – 6,400</title></rect><text x="471.255" y="110.548" text-anchor="middle" class="chartlet-flow-label">Assessment</text><text x="471.255" y="124.548" text-anchor="middle" class="chartlet-flow-sublabel">6,400</text><rect x="431.255" y="138.048" width="51.25" height="6" class="chartlet-part chartlet-part-1"><title>settled 4100 (64%)</title></rect><rect x="482.505" y="138.048" width="16.25" height="6" class="chartlet-part chartlet-part-3"><title>rejected 1300 (20%)</title></rect><rect x="498.755" y="138.048" width="12.5" height="6" class="chartlet-part chartlet-part-4"><title>appealed 1000 (16%)</title></rect></g><g class="chartlet-f chartlet-n-3 chartlet-f-2 chartlet-f-3 chartlet-f-4"><rect x="584.055" y="90.548" width="104" height="62" class="chartlet-diagram-shadow"/><rect x="584.055" y="88.048" width="104" height="62" class="chartlet-flow-node chartlet-role-blue"><title>Appeal – 1,000</title></rect><text x="636.055" y="110.548" text-anchor="middle" class="chartlet-flow-label">Appeal</text><text x="636.055" y="124.548" text-anchor="middle" class="chartlet-flow-sublabel">1,000</text><rect x="596.055" y="138.048" width="36" height="6" class="chartlet-part chartlet-part-1"><title>settled 450 (45%)</title></rect><rect x="632.055" y="138.048" width="44" height="6" class="chartlet-part chartlet-part-3"><title>rejected 550 (55%)</title></rect></g><g class="chartlet-f chartlet-n-4 chartlet-f-1 chartlet-f-2 chartlet-f-3 chartlet-f-4"><polyline points="850.855,162.548 857.743,163.918 863.583,167.82 867.485,173.659 868.855,180.548 867.485,187.436 863.583,193.276 857.743,197.177 850.855,198.548 782.855,198.548 775.967,197.177 770.127,193.276 766.225,187.436 764.855,180.548 766.225,173.659 770.127,167.82 775.967,163.918 782.855,162.548 850.855,162.548" class="chartlet-diagram-shadow"/><polyline points="850.855,160.048 857.743,161.418 863.583,165.32 867.485,171.159 868.855,178.048 867.485,184.936 863.583,190.776 857.743,194.677 850.855,196.048 782.855,196.048 775.967,194.677 770.127,190.776 766.225,184.936 764.855,178.048 766.225,171.159 770.127,165.32 775.967,161.418 782.855,160.048 850.855,160.048" class="chartlet-flow-node chartlet-flow-end chartlet-role-green"><title>Closed</title></polyline><text x="816.855" y="182.548" text-anchor="middle" class="chartlet-flow-label">Closed</text></g><rect x="24" y="310" width="16" height="8" class="chartlet-part chartlet-part-1"/><text x="46" y="318" text-anchor="start" class="chartlet-legend">settled</text><rect x="109.92" y="310" width="16" height="8" class="chartlet-part chartlet-part-2"/><text x="131.92" y="318" text-anchor="start" class="chartlet-legend">assessed</text><rect x="205.68" y="310" width="16" height="8" class="chartlet-part chartlet-part-3"/><text x="227.68" y="318" text-anchor="start" class="chartlet-legend">rejected</text><rect x="298.32" y="310" width="16" height="8" class="chartlet-part chartlet-part-4"/><text x="320.32" y="318" text-anchor="start" class="chartlet-legend">appealed</text></svg><label class="chartlet-hotspot" id="chartlet-61237710dd17e117-hs-0" for="chartlet-61237710dd17e117-focus-0"></label><label class="chartlet-hotspot" id="chartlet-61237710dd17e117-hs-1" for="chartlet-61237710dd17e117-focus-1"></label><label class="chartlet-hotspot" id="chartlet-61237710dd17e117-hs-2" for="chartlet-61237710dd17e117-focus-2"></label><label class="chartlet-hotspot" id="chartlet-61237710dd17e117-hs-3" for="chartlet-61237710dd17e117-focus-3"></label><label class="chartlet-hotspot" id="chartlet-61237710dd17e117-hs-4" for="chartlet-61237710dd17e117-focus-4"></label></div><p class="chartlet-source">Source: Claims system, 2025</p><details class="chartlet-data" data-viz-text><summary>Show chart data</summary><table><caption>Data for How insurance claims were settled</caption><thead><tr><th scope="col">Step</th><th scope="col">Kind</th><th scope="col">Parts</th><th scope="col">Leads to</th></tr></thead><tbody><tr><th scope="row">Claim received</th><td>start</td><td></td><td>First check</td></tr><tr><th scope="row">First check</th><td>step</td><td>settled 5200 (42%), assessed 6400 (52%), rejected 800 (6%)</td><td>Assessment, Closed</td></tr><tr><th scope="row">Assessment</th><td>step</td><td>settled 4100 (64%), rejected 1300 (20%), appealed 1000 (16%)</td><td>Appeal, Closed</td></tr><tr><th scope="row">Appeal</th><td>step</td><td>settled 450 (45%), rejected 550 (55%)</td><td>Closed</td></tr><tr><th scope="row">Closed</th><td>end</td><td></td><td></td></tr></tbody></table></details></figure></div>