| Variables | Mean | Std. Deviation |
| Claims notification process | 1.3704 | 0.87516 |
| Verification of records | 1.2407 | 0.69866 |
| Claims reserving | 1.2222 | 0.81650 |
| Negotiation of payment | 1.2963 | 0.94429 |
| Payment of Claims | 1.3704 | 0.87516 |