
π Business Analysis & Process Β· Journey Map
A policyholder's experience of a health insurance claim, from hospital admission to reimbursement, showing where uncertainty and waiting hurt.
Drawing diagramβ¦
Customer journey map for a health insurance cashless claim: the patient is admitted, the hospital desk requests pre-authorisation, the family waits for approval, treatment happens, discharge is delayed by final approval, and the customer gets a claim settlement message.
journey
title Making a cashless health insurance claim
section Admission
Gets admitted to hospital: 3: Patient, Hospital Desk
Shares policy details: 3: Family, Hospital Desk
section Approval
Waits for pre-authorisation: 1: Family
Gets approval SMS: 4: Family, Insurer
section Treatment
Receives treatment: 4: Patient, Doctor
section Discharge
Waits for final approval: 1: Family, Insurer
Gets settlement message: 4: Family, InsurerWho does what when a bank approves a personal loan: the customer, the loan officer, the credit team and operations, with the rework loop for missing documents.
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An ITIL-style incident flow across the user, the service desk, the support team and the problem manager, with escalation for major incidents.