Turning insurance payments into a strategic differentiator
Vendor and member payouts for insurance, assistance, warranty and service contracts have been held back by legacy models. Empowering the automation of processes, reducing fraud risk and increasing customer satisfaction. Pliant brings a cashless, real-time payments platform that restores control and builds lasting trust with customers with branded Visa cards.
Why embedded payments are the future of happy clients
The current payout model is outdated. It burdens customers and leaves insurers exposed to risk. Pliant embeds payments directly into your process, transforming it into a seamless, digital-first experience from the carrier, core platform or TPA.
Cashless claims with no upfront payments
Faster processing with real-time settlement
Fraud protection built into every payment
Real-time data for full transparency
Global reach with Visa credit cards
Lower costs with preferred providers
Real-world use cases across insurance lines
With Pliant, you can offer a smoother experience while keeping costs and risks under control. Here’s how it works in practice:
Accident & Health
When you are managing payouts for workers' compensation programs, medical and health (traditional, supplemental, healthshare), FSA/HSA/QSHRA/ICHRA, or accident plans the process is simple with our integration capabilities for payment to the insured/member and providers.
Property & Casualty
In personal and commercial auto, property and homeowners insurance, commercial lines and speciality coverage you can issue claimant and vendor payments generating both cost savings and revenue. You modernize the experience while reducing fraud and expenses significantly.
Travel & international
Instantly issue cards for many uses including medical treatment, lost luggage, flight cancelation refunds, and many more applications. Insurers report savings of over 25% in markets like the US where self-pay tariffs are lower than billed insurance rates.
Programs & Industry Partners
Implementation of a card program whether you are a well established program administrator, TPA, MGA, insurtech, self insured, ASO, captive or a SaaS serving the industry, is made simple and efficient via API or quickly via our dashboard removing barriers to entry.
Warranty & Service Contracts
Issuance of virtual cards (VCPs) to service providers for parts and labor is made simple with high yields and controls for usage. If the member needs to get funds for replacement of an item they can receive it through a card delivered to their digital wallet for use in a store or online.
The next generation insurance claims and payments platform
Upstream fraud prevention
Card logic, MCC filtering, and jurisdictional controls block misuse before it happens.
Instant provider & merchant settlements credit lines
Clinics and hospitals are paid instantly, removing reliance on Guarantee of Payment letters and making reimbursements unnecessary.
Structured real-time data
Each transaction generates structured metadata, feeding live dashboards for reporting, forecasting and reserving.
Configurable spend control
Cards are tied to specific policies, service categories, or even individual merchants.
Embedding fraud prevention into every payment
Insurance fraud is evolving fast. AI-generated invoices, synthetic identities, and automated resubmissions make it easier than ever for bad actors to overwhelm outdated systems. Start embedding fraud prevention into the payment flow with hi.health by Pliant.
Data integrity
Every payment creates structured metadata, helping detect duplicates and anomalies early.
AI-powered oversight
Automated checks flag unusual patterns early so fraud is stopped before money ever leaves your system.
FAQ
Policyholders no longer need to pay upfront. Payments flow directly from insurer funds via the Pliant card, with co-pays or deductibles charged automatically. If a claim is denied, uncovered charges are settled through the customer’s payment card on file.
Cards can be physical or virtual, usable in-store, online, or via mobile wallets. They are restricted to authorized merchants and providers within the Visa network, configured per policy type.
Each card is connected to the policy. The insurer funds transactions, with limits and restrictions set at the policy level. Spending limits and restrictions are set according to the policy.
No. To ensure control and reduce fraud, cards are restricted to policy-relevant merchants (e.g. clinics, auto workshops, pharmacies, or emergency housing providers).
Say hello to smarter insurance payments
Our team is available every Monday to Friday from 9am to 5pm PST to answer your questions personally.
