Closed Files Review,
Reimagined for Performance.
CFR was designed for compliance. We rebuilt it for performance. The Holins Decision Platform (HDP) uses the Closed Files Review methodology as its foundation, and goes far beyond it, delivering structured findings across nine capability areas, four strategic pillars, and your entire portfolio. Not a sample. Every file.
We review every file in your portfolio, not the industry-standard sample
Nine review dimensions vs a standard CFR checklist, more factors, deeper findings
Our solution adjusts to your existing CFR process, we support it and take it further
Every file scored, categorised, and traceable, findings with the rigour of a formal review
Your CFR tells you what happened. We tell you why, and what to do next.
The industry standard CFR samples 5–10% of files and follows a defined checklist. That is a good starting point. We go further, reviewing every file, across a broader set of dimensions, and delivering findings with the structure and depth that a formal review process demands.
- 5–10% file sample, rest stays invisible
- Findings without root cause
- Manual aggregation across spreadsheets
- Results arrive after the window to act
- Compliance focus, not performance
- No connection to open files
- 100% file coverage, every claim scored
- Structured findings with traceable root cause
- Automated consolidation across portfolios
- Real-time signals, act on information, not history
- Performance-first, compliance as a by-product
- Closed-file intelligence feeds open claims
Closed Files Review, Supported and Elevated.
HDP does not replace your existing CFR process. It supports it, with the technology, structure, and analytical depth to turn a periodic review into a continuous performance intelligence system. The findings you get from our platform have the rigour and structure of a formal review, applied systematically across every file in your portfolio.
What the Platform delivers.
Detect, Make Leakage Visible
Quantify every leak point across the claims lifecycle. Structured findings linked to root cause across your entire portfolio.
Understand, Find the Pattern
Transform individual findings into systemic intelligence. Surface patterns across handlers, suppliers, regions, and decision types.
Act, Apply Intelligence Forward
Use closed-file learnings on open files before value leaves the system. Reserve models, handler coaching, supplier contracts, all informed by what your portfolio already knows.
Govern, Compliance as a By-Product
Every file is reviewed, scored, and audit-ready from day one. Governance stops being a separate workstream and becomes a natural output of daily operations.
Every layer of the claims lifecycle.
Built for every decision-maker in claims.
Head of Claims
"Where exactly is my operation losing value, and what do I do about it this week?"
Chief Compliance Officer
"Can I evidence that every closed file met our governance standard?"
Chief Actuary
"Is reserve adequacy drifting in a way that will hit next quarter's results?"
Head of Supplier Management
"Which partners are silently costing me more than they save?"