Pricing
Priced for risk-free carrier adoption and clear bottom-line ROI.
Start with a sweep that costs nothing unless it recovers money. Add real-time detection when the recoveries have paid for it.
Zero upfront
Closed-Claim Recovery Sweep
Immediate cash yield from closed files.
10% to 15%
of net dollars recovered. No software fee.
- 12 to 36 month closed-file sweep
- Recovery Opportunity Manifest
- Demand packages for every finding
- Pay nothing if nothing is found
Most chosen
Continuous Real-Time Detection
Open-claim triage plus ongoing sweeps.
$2,125/ month
+ 5% to 8% reduced contingency, billed annually ($25,500 / yr)
- Everything in the Sweep
- Real-time FNOL triggers
- Guidewire / Duck Creek / Origami connectors
- Write-back Activities and Notes
- SSO and dedicated success manager
Enterprise / Tier 1 Carrier
National carriers ($1B+ DWP) and large TPAs.
Custom
Flat annual license or tiered volume rate.
- Everything in Continuous
- Dedicated core system integration
- Customer-managed encryption keys
- AWS GovCloud deployment option
- Named integration engineer
Self-Insured / Captive Pool
Fleets, municipalities, captives.
Per file
Flat fee per analyzed file, or contingency.
- Fleet and asset damage recovery
- Budgetable fixed pricing
- TPA collaboration workspace
- Board-ready recovery reporting
Platform fee bands by annual claim volume: $1,500 / $2,500 / $4,000 / $5,500 per month. All plans include SOC 2 Type II controls and a signed BAA.
Compare plans
28 capabilities, side by side.
| Capability | Closed-Claim Sweep | Continuous Detection | Enterprise | Self-Insured |
|---|---|---|---|---|
| Detection & data | ||||
| Closed-claim historical sweep (12 to 36 months) | ||||
| Real-time open-claim FNOL triggers | Optional | |||
| Adjuster narrative NLP | ||||
| Police and expert report OCR, including handwriting | ||||
| Estimate decoding (Xactimate, CCC ONE, Mitchell) | ||||
| CPSC / NHTSA recall cross-matching | ||||
| ISO ClaimSearch report parsing | Optional | |||
| Legal reasoning | ||||
| 50-state comparative fault engine | ||||
| SOL and government notice tracking | ||||
| Made-whole and anti-subrogation flags | ||||
| Lease and contract indemnity / waiver review | ||||
| Recovery workflow | ||||
| Recovery Opportunity Manifest | ||||
| Demand package builder | ||||
| Arbitration Forums filing packets | Where eligible | |||
| Routing to counsel and recovery vendors | ||||
| Recovery ledger and yield reporting | ||||
| Multi-client workspaces (TPAs) | Add-on | |||
| Integrations | ||||
| Encrypted SFTP batch ingestion | ||||
| Guidewire / Duck Creek / Origami API connectors | Optional | |||
| Write-back Activities and Notes | ||||
| Data warehouse export | ||||
| Security & support | ||||
| SOC 2 Type II controls and signed BAA | ||||
| SSO (SAML 2.0) and SCIM | ||||
| Customer-managed encryption keys | ||||
| AWS GovCloud deployment | ||||
| Dedicated recovery success manager | ||||
| Named integration engineer | ||||
| Uptime SLA | N/A | 99.9% | 99.95% | 99.9% |
The combined ratio ROI math
$1.1M recovered is 1.1 points off a $100M carrier's combined ratio.
Combined ratio reduction vs recovered subrogation
| Recovered | $50M DWP | $100M DWP | $250M DWP |
|---|---|---|---|
| $0.5M | 1.00 | 0.50 | 0.20 |
| $1M | 2.00 | 1.00 | 0.40 |
| $1.5M | 3.00 | 1.50 | 0.60 |
| $2M | 4.00 | 2.00 | 0.80 |
| $2.5M | 5.00 | 2.50 | 1.00 |
| $3M | 6.00 | 3.00 | 1.20 |
“Subrogation recovery yield became the slide that won our last two RFPs. Prospects had never seen their prior TPA's recovery numbers, and ours were documented claim by claim.”
FAQ
Pricing questions
On the Closed-Claim Recovery Sweep you pay 10% to 15% of net dollars actually recovered on opportunities Ishqkala identified. The rate depends on volume and line mix and is fixed in your order form. No recovery, no fee.
A signed NDA and BAA, and an encrypted export of 500 closed claims with notes, documents and payments. You receive a Subrogation Opportunity Manifest within 5 business days.
Not for the Closed-Claim Sweep or Continuous Detection. Enterprise deployments with dedicated core-system integration work are scoped in the license.
Ishqkala does not file suits. The opportunity is routed with its full package to your recovery counsel. Contingency applies to net dollars recovered, after the counsel and vendor fees your order form defines.
For claims against signatory carriers, Ishqkala prepares an Arbitration Forums filing packet. Your team files through your own Arbitration Forums account.
Cash actually received from the adverse party or its carrier on an opportunity Ishqkala identified, less the insured's deductible reimbursement and any counsel or vendor fees, as defined in your order form.
Yes. Most carriers start with the sweep and add continuous detection once the first recoveries post. Your contingency rate drops to the 5% to 8% band when the platform fee starts.
Yes. Continuous Real-Time Detection includes a 14-day free production trial on your own claims, with full features and a connected claims system or SFTP feed.
Find the millions hiding in your closed claim files before the Statute of Limitations expires.
We'll scan a batch of 500 closed claims for free and deliver an itemized recovery manifest within 5 business days.