Claims Automation for Insurers: Faster Settlements, Full Control

Take a claim in minutes. Read the documents automatically. Send simple claims straight to settlement, and give your handlers more time for the complex ones.

The problem

Customers judge you at the claim

A claim is the moment a customer finds out what their policy is worth. Yet most claims still start with a phone call, wait for documents by email, and pass through several hands before anyone decides. Each hand-off adds days and cost. Regulators now look at claims outcomes too.

What we build

From first notice to settlement

Claims costs are rising. Customers expect to buy and claim on their phones. Regulators want proof of fair outcomes, safe data and controlled AI. Most insurers cannot replace the core system to fix this. They do not have to.

Digital FNOL

FNOL (First Notice of Loss) by app, web or WhatsApp, with guided photo and document capture.

Document AI

Reads invoices, medical bills, police reports and repair estimates, then fills the claim file for you.

Triage and routing

Scores each claim on complexity and risk, then sends it to the right queue or straight to settlement.

Fraud, waste and abuse signals

Flags unusual patterns for a person to review. It does not decide on its own.

Health pre-authorisation

Speeds up cashless approval between hospitals, TPAs (third-party administrators) and insurers.

Claims handler assistant

A private AI that summarises the file, checks the policy wording and drafts letters, with every source shown.

How it works

AI prepares, people decide

01

The customer reports the claim and uploads documents.

02

Document AI extracts the facts and checks them against the policy.

03

Simple, low-risk claims go to fast-track settlement, within limits you set.

04

Complex or flagged claims go to a handler, with a summary and the evidence attached.

05

Every step is logged, so you can explain each decision to the customer and the regulator.

Proof

AI we already run in production

From our wider AI work in other industries. The same patterns apply to claims.

93.3%

Document retrieval accuracy

In our RAG (retrieval-augmented generation) benchmark across a 7-document corpus.

1,616 hrs

Saved by AI screening

17,021 applications scored over 14.5 months in production, with people reviewing the results.

Insurance journeys

Ready to plug in

Noor Takaful and Amana customer apps, where claims can join the existing journey.

Market notes

Built for the claims rules in your market

India

IRDAI expects decisions on cashless health pre-authorisation within one hour. Faster document handling helps meet that.

The FCA’s Consumer Duty asks firms to show fair claims outcomes. Logged decisions make that evidence easy to produce.

GCC

Medical claims costs and fraud are top concerns. Fraud signals support, but never replace, the medical review.

Engagement

A measured claims pilot

One claim type, such as motor glass or outpatient health, in one market. We agree on a baseline for time to settle and cost per claim, run for 8–12 weeks, and report the before-and-after numbers.

Capabilities used

AI Automation

Agentic AI

RAG Development

Machine Learning

Mobile App Development

Marketing Automation

Data Engineering

Free guide

Modernising claims and distribution around the core

A 2026 guide for GCC insurers on fixing claims without replacing the core system.

FAQ

Questions insurers ask us

Will AI make claims decisions on its own?

No. AI prepares and recommends. You set the limits for fast-track settlement, and a person decides on anything outside them.

Does this replace our claims system?

No. It works alongside your current claims or core system through APIs.

Where does the AI run?

It can run privately in your cloud region or data centre, so claim data stays in your country.

Can it handle Arabic documents?

Yes. Document AI can be set up for Arabic and English. We test accuracy on your own sample files during discovery.

How do you measure success?

We agree on a baseline before the pilot, then report time to settle, cost per claim and customer complaints.

Data, AI & Governance

The data layer and controls behind claims AI.

Underwriting & Pricing Automation

The same triage pattern, applied to new business.

Digital Distribution & Policy Platforms

The customer app where claims start.

See where your claims lose time

Book a 30-minute claims review. We will map one claim type and show the fastest wins.

Insurance Claims Automation for Insurers