Tropics Breeze, the next generation of workers’ compensation software systems from Tropics Software Technologies, is leading the industry with rich browser-based policy & claims administration, integrated billing, agent & policyholder web portals, and business intelligence in one end-to-end solution.
Built on a solid foundation with flexibility & security, the Tropics framework consists of an integrated workflow rules engine, document generation, email automation, contact management, and web services for external system interfaces. Tropics Breeze is the most comprehensive workers’ compensation software system in the marketplace today.
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Designed specifically for workers’ compensation insurance, this system provides a comprehensive set of modules to manage the entire lifecycle of a workers’ comp policy. From application processing to final audits, every aspect of policy processing including integrated multi-state rating, document and policy form generation, cancellation/reinstatement, endorsements, and renewals is supported.
Automatic download of ACORD applications from any agency system to Tropics, rules-based underwriting, and optional predictive analytics is only the beginning of the policy system journey.
Tropics’ advanced billing system is highly configurable to handle monthly, quarterly, annual, or any other periodic installment billing in addition to billing based on actual payroll (AKA pay-as-you-go or self-billing). Payment online including payment based on payroll is offered through the self-service web portals.
Automatic billing adjustment due to midterm endorsements, payment processing including ACH and other forms of payments, and full Accounts Receivable management is built right into the Topics billing system to provide maximum efficiency to our organization.
Tropics Claim System is a comprehensive, multi-jurisdictional workers’ comp claim processing and claim financial system. The system is comprised of fully integrated modules that can be configured to fit the needs of any workers’ comp processing organization.
Using the Tropics foundation components including the rules and workflow engine, document/form generation, and email automation and alerts, the claims system provides a high level of productivity and accuracy to the client organization.
Make the most of your business information through Tropics OLAP cube and reporting services. With Tropics Business Intelligence, you do not need to sift through hundreds of data tables to find the information you need. Tropics pre-aggregates all the useful information and provides tools for easy ad-hoc reporting, charting and creation of dashboards.
Through the integrated self-service web portals, agencies and policyholders can perform many different functions directly. Prime examples include accessing policy and claims information, uploading/entering and processing new business applications, uploading documents, receiving quotes, paying bills, entering payroll for self-billing, and reporting new claims.
Policy forms, claims forms, and letters and correspondence are all automated through the Tropics document generation engine. Tropics provided or client created document templates are automatically seeded with data when the documents or forms are created. The created documents are automatically attached to the policy, claim, or other entities to which they belong. Tropics also provides document scanning and document image management as an additional part of the document system.
Tropics integrates printing and email services as a part of its robust communication with your business partners and internal employees. All insurance related email communication may be generated and managed within the Tropics software. Through workflow, emails may be triggered based on system events. Printing of documents can be automated through batch printing.
The centralized contact management unifies all the business contacts to avoid duplication and disparate contact information. Unlike the traditional systems that store the same contact for billing, audit, claims, etc. separately although it may be the same person, Tropics stores a contact once with multiple roles. This important integrated CMS system allows our clients to have a much improved control over their communication with their clients. Additionally, it allows targeted announcements and campaigns.
The Tropics Workflow Engine is a comprehensive rules and work assignment engine with deep integration with the Tropics services and business objects to accommodate additional automation beyond the rich set of standard built-in processing functions. Client-specific underwriting rules, renewal rules, claims processing rules, task assignments, etc. can be automated through this robust facility.
The workflow automation and automatic assignment of tasks is an integral part of this system. Events such as arrival of a new application, a new report of injury, or closing of a claim can trigger work assignments, and/or automatic execution of tasks based on the clients’ rules to add efficiency and reliability to completion of the required actions.
Tropics provides interfaces with outside systems through web services (such as ISO ClaimSearch), standard file formats (such as WCPOLS and Claims EDI), and specific custom-designed interfaces as requested by clients.
Tropics Breeze utilizes XML and web services for industry-standard interaction for those organizations that support this technology. For others such as with the bureaus for rate imports or with banks for lockboxes, the interface is accomplished through the proprietary file formats.
Through many configuration tables, system parameters, and custom rules the Tropics systems can be configured for a variety of needs by carriers, states, reporting needs, and personal preferences. Additionally, Tropics Breeze offers the ability to change any label in the system (e.g. change SSN to Tax ID), supports multiple languages, and allows for individual preferences such as color themes, the size of columns in data grids (e.g. wrap or no-wrap), and other preferences.
No matter which workers’ comp products you offer, guaranteed cost or loss sensitive plan, and in which states you offer such products, they can be configured and processed in Tropics. Additionally, if you use multiple writing companies (carriers), Tropics’ advanced architecture can handle it.
To secure and segregate work, Tropics provides hundreds of distinct rights which can be secured to a role (such as adjusters) or individual users. To manage configuration and security, Tropics provides advanced administrative and configuration tools as part of its delivery.
Download the Tropics Policy, Billing, Business Intelligence, & Self-Service Web Portal Brochure (PDF)