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Loss reserving made simple
Accurate, reliable, and transparent IBNR reserve estimation for health insurance professionals.
Upload data and generate estimates in minutes
Perform analysis and track assumptions along the way
Generate polished reports for managers, stakeholders, and regulators
Reserve calculations that handle themselves
IBNR.net walks through the process step by step, from data inputs to reserve estimates, so you can focus on the high-level analysis, not the data preparation.
Historical claim payments are organized into a lag triangle, where each row represents the month in which services were incurred, and each column indicates the month a payment was made. This format illustrates the typical delay between when healthcare services occur and when payments are processed.
Powerful Data Transformation
We take care of data preparation and cleaning for you. Hassle-free solutions for your reserving needs.
Easy Triangle Creation
Convert columnar loss data into properly formatted development triangles with just a few clicks. No manual copy paste required.
Smart Data Segmentation
Slice your data by line of business, geography, coverage type, or any custom category. Build the exact triangles you need.
Trace Back to Your Source Data
Click any triangle cell to instantly see the original data feeding into it. Filter out outliers or adjust row amounts as needed.
Your data stays protected
IBNR.net is built with security at its core so you can focus on the analysis, not the risk.
Encrypted at Rest & In Transit
All data is encrypted using industry-standard TLS and AES-256 encryption.
Role-Based Access Controls
Granular permissions ensure only authorized users can view or modify data.
Isolated Data Storage
Each organization's data is logically separated with strict access boundaries.
Enterprise-Grade Cloud Infrastructure
Built on Google Cloud Platform, which maintains SOC 2, ISO 27001, and other security certifications.
The only reserving platform designed for health insurance
Generic loss reserving tools fall short for healthcare. IBNR.net is purpose-built for health actuaries with the methods, data granularity, and compliance guardrails your work demands.
Industry Standard Actuarial Methods
Created using time-tested actuarial methods, and informed by direct real-world experience.
Monthly Claims Data
Analyze claims data at the level of detail that healthcare actuaries need to detect emerging trends and capture payment lag patterns.
Bornhuetter-Ferguson Method
Apply the loss development method for mature data, or switch to the projection method when credibility is limited. Blend expected losses with actual experience for more stable estimates.
Seasonality
Account for seasonal patterns unique to health insurance. Import seasonality factors, select from presets, or develop them directly in the dashboard.
Actuarial Compliance
Designed in accordance with the Actuarial Standards of Practice (ASOPs), supporting compliant and defensible reserve estimates.
Automatic Report Generation
Generate polished, presentation-ready IBNR reports. Ready to present to external stakeholders, managers, clients, and regulators.
Documentation done right.
Clear documentation is essential. IBNR.net keeps every assumption, adjustment, and decision organized and visible, so your team stays aligned from first review to final sign-off. Available on the Team and Enterprise plans.
Assumptions at a Glance
Every final assumption is documented and listed in one place, so reviewers and stakeholders can see exactly what was selected and why.
Team-Wide Visibility
On Team and Enterprise plans, every member sees what changed and when. No more chasing updates over email. The audit trail is built in.
Full Change History
Every adjustment is tracked from start to finish. Know exactly what changed, when it changed, and who made the update.
Built-In Coordination
On-platform messaging, real-time notifications, and activity feeds keep your team aligned without switching between tools.
Ready to Get Started?
Schedule a call to see how IBNR.net can simplify your loss reserving process.
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Book a quick call to learn how we can help streamline your actuarial workflows.
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