AI Claims Processing

Help customers move forward with faster claims decisions

Reduce the wait between a claim and a decision. Our AI Claims Processing supports faster assessment within your rules and controls, with human-in-the-loop where required.

Protect customer trust when a claim puts it to the test

When a customer makes a claim, they are relying on their coverage to work when they need it. Slow decisions, repeated requests for information and unclear processes can quickly erode that trust.

For claims teams, the same journey can involve hours of manual checking across policy terms, documents and claim information. AI Claims Processing takes on more of that assessment work, helping straightforward claims move faster while directing exceptions to the people best placed to handle them.

Reduce manual assessment

Automate repetitive checks and validation across straightforward claims.

Reach decisions faster

Bring together claim information, policy rules and supporting evidence to accelerate assessment.

Apply rules more consistently

Assess claims against insurer-defined criteria across products, partners and markets.

Focus expertise where it matters

Surface claims that require further investigation or human judgment.

What happens between submission and decision

Specialized AI agents each take on part of the assessment against the rules you have configured, and your claims team receives one recommendation with its status, proposed claim amount, confidence score and full rationale

  1. 01Document agent

    Interpret

    Read claim information and supporting documents and extract relevant data for assessment

  2. 02Coverage agent

    Validate

    Check coverage, conditions, exclusions and required evidence against configured rules

  3. 03Verification agent

    Cross-check

    Compare claim information across available data sources to identify inconsistencies, anomalies or potential fraud indicators

  4. 04Decision agent

    Evaluate

    Bring the findings together against the applicable claims rules and thresholds to determine the appropriate next action

AI recommendation for a trip delay claim: approve US$63.50 of US$63.50 claimed, 95% confidence, with a reasoning summary and the detailed reasoning

AI that works within your claims framework

AI Claims Processing does not operate on its own terms. Your team defines the rules, conditions, exclusions and thresholds it applies, and the points at which a person reviews a claim.

  • You define the rule

    Coverage conditions, exclusions, evidence and limits, set for each product, partner and market

  • Human review where required

    Choose the amounts, confidence levels and risk indicators that send a claim to a handler

  • Your team has the final say

    AI supports decisions rather than making them in a black box. Handlers see the reasoning and can accept or override any recommendation

Claims rulesSet by your claims team
Travel delay · Partner A · Singapore
Coverage
Covered causes
Strike, severe weather, technical fault
Minimum delay
6 hours
Required evidence
Airline letter, itinerary, receipts
Routing
Up to US$500 and 85%+ confidence
Approve automatically
Over US$500 or below 85% confidence
Claims handler
Potential fraud indicator
Investigations team
Any decline recommendation
Claims handler

Part of the end-to-end claims journey

AI Claims Processing supports discovermarket’s claims solution. Claims reported through the Claims Reporting Portal arrive structured and complete, and each recommendation is applied according to your rules: approved automatically or passed to your claims team to decide.

Explore Claims Reporting
  1. Claims Reporting Portal Claim reported
  2. AI Claims Processing Assessed and recommended
  3. Your claims team Decision made

Explore our platform

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AI agents that guide customers from question to next step across sales, servicing and claims.

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Claims Reporting

Configure digital claims reporting for each insurance product within partner journeys.

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Product Studio

Bring insurance programs to market for different partners and markets with minimal development work.

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Distribution

Flexible distribution options, from ready-to-launch branded D2C sites to fully embedded API journeys.

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Policy Hub

Give each partner a branded portal where customers can access policies, documents and claims.

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Parametric

Design, test and launch parametric products with live data and automated payouts.

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