Claims Process
Submit and track claims against your active SIMA certificates. Every claim is reviewed against the rules version locked in your certificate at activation — no retroactive term changes. Claims are not approved automatically and payouts are not automatic. Target settlement after review: 3–7 business days.
Claims Workflow
Steps 5–6 are not automatic. Many claims end after review without payout. Target settlement guidance of 3–7 business days applies after an approved decision path — not as a guarantee.
Target Claim Settlement Time
3–7 Business Days
Filing a Claim
Sign in to your SIMA dashboard with your wallet or email. Your active certificates appear in the Claims section with their current coverage status.
Select the relevant certificate and provide event details — transaction references, affected amounts, and incident description. The AI risk engine begins assessment immediately.
Monitor your claim status in real time from the dashboard. SIMA applies the certificate mathematics to calculate your maximum net payment and targets payout within 3–7 business days.
Eligibility
How Claims Are Reviewed
SIMA reviews every claim against the published rules version pinned to your certificate at activation. The certificate mathematics formula — N = (L − (C × d)) × (1 − m) — determines your maximum net payment based on your loss, coverage amount, deductible, and an AI-assessed malicious factor.
This ensures fairness, sustainability, and protection against moral hazard and fraud.
Rules locked at activation
Certificate-verified outcomes
AI risk assessment
Full claim audit trail
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