AI agents: Insurance & Underwriting
What each Insurance & Underwriting agent does, an example, the monthly effect and payback.
- Data Verification and Prefill
Retrieves and verifies underwriting data from external sources and registers, pre-fills applications, eliminating manual entry and form errors.
Payback 3-6 months - Medical Claims Adjudication
Verifies medical bills and claims for compliance with coverage, tariffs, and protocols, identifies discrepancies and overcharges, and prepares payment decisions. Accelerates clinic bill processing.
Payback 5-8 months - AI Doctor and Symptom Checker
Guides the client through symptoms: selects problematic areas on a body avatar, responds to clarifications, and provides a probable direction and a specialist doctor with an appointment. Development of the insurer's existing AI doctor.
Payback 5-8 months - AI War Risk Assessment
Assesses an object's war risks based on shelling history, damages, proximity to the front line and critical infrastructure, the basis for war risk product tariffs.
Payback 5-8 months - Ceding Analytics
Analyzes the portfolio at a risk level, determines what to cede to reinsurance, and prepares data and justifications for reinsurers and brokers.
Payback 5-8 months - Loss Ratio Analytics and Control
Analyzes loss ratio by product, region, channel, and service station (СТО), identifies leakage, anomalous payouts, and increasing loss ratios, and explains root causes to management.
Payback 3-6 months - Media Analysis (Photos and Documents)
Checks damage photos and documents for signs of manipulation: editing, reuse, metadata inconsistencies, forgeries - detects fabricated evidence.
Payback 5-8 months - Driver Behavior Analysis
Analyzes driving style using smartphone or device data: harsh braking, acceleration, speed, time of day, mileage - forms a driver risk profile for tariffs and programs.
Payback 5-8 months - Auto Underwriting (CASCO/MTPL)
Specialized auto underwriting: assesses risk by make, age, region, driver and claims history, recommends rates, deductibles, and terms for CASCO and MTPL after tariff liberalization.
Payback 5-8 months - Property Underwriting
Assesses risk of property objects: type, construction, location, purpose, protection, proximity to risks. Recommends terms and flags objects requiring inspection.
Payback 5-8 months - Anti-Fraud Damage Check
Checks each claim for signs of fraud at the time of settlement: inconsistencies in circumstances, repetitions, suspicious patterns, connections. Flags risky cases for manual review before payment.
Payback 5-8 months - Automated Settlement of Simple Claims
Manages simple, transparent claims fully automatically: from application to payment decision within rules and limits, with anti-fraud verification. Human intervention only for exceptions.
Payback 5-8 months
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- Automated Underwriting
Makes decisions on insurance acceptance and terms for standard risks automatically, based on rules and risk models. Transfers non-standard cases to the underwriter with a prepared analysis.
Payback 5-8 months - Back-Office Automation
Automates routine back-office operations: posting, document generation and distribution, status updates, reconciliations, eliminating manual tasks.
Payback 5-8 months - Remote Vehicle Damage Assessment (Computer Vision)
Assesses vehicle damage from client smartphone photos and videos: identifies damaged parts, extent of damage, and need for replacement or repair. Prepares a preliminary estimate without an accident commissioner's site visit.
Payback 5-8 months - Safe Driving Gamification
Transforms telematics into a game: points, challenges, rewards for safe driving, increasing customer engagement, retention, and reducing accident rates.
Payback 3-6 months - Service Station and Assistance Coordination
Coordinates interaction with service stations, tow trucks, and medical assistance: distributes requests, tracks deadlines and statuses, controls the quality and cost of partner services.
Payback 3-6 months - Medical Assistance 24/7
Receives VHI (Voluntary Health Insurance) client requests 24/7: doctor appointments, service coordination, coverage information, emergency calls - via app and messengers; escalates complex cases to a coordinator.
Payback 3-6 months - Network Analysis (Scheme Detection)
Builds graphs of connections between clients, cars, service stations, intermediaries, and cases, detecting organized fraud schemes and rings not visible from individual claims.
Payback 5-8 months - Capital and Accumulation Modeling
Models capital adequacy and risk accumulation across scenarios, showing the impact of portfolio and reinsurance decisions on capital and solvency.
Payback 5-8 months - Catastrophe Modeling
Models risk accumulation and potential losses from events (natural disasters, mass risks), showing regional concentration and reinsurance needs.
Payback 5-8 months - Loss Modeling
Forecasts loss ratios by product, segment, and scenario, models the impact of changes in tariffs and conditions, providing a basis for risk-free portfolio decisions.
Payback 5-8 months - Document Processing (IDP, Cyrillic)
Recognizes and extracts data from policy documents with Ukrainian and Cyrillic support: applications, passports, vehicle registration certificates, requisites - enters them into the system without manual input.
Payback 3-6 months - Medical Document Processing
Recognizes and structures medical documents: extracts, referrals, prescriptions, invoices, with Ukrainian and Cyrillic support, entering them into the case without manual input.
Payback 3-6 months - Provider Network Optimization
Analyzes clinics by cost, quality, complaints, and workload, suggests optimal network composition and terms, balancing client accessibility and insurer cost.
Payback 3-6 months - Reinsurance Protection Optimization
Models reinsurance structure (proportional, non-proportional, limits, priorities) and its impact on capital and results, suggests optimal protection.
Payback 5-8 months - Segment-based Rate Optimization
Identifies segments with suboptimal rates (undercollection or churn), suggests adjustments, balancing competitiveness and margin for each segment.
Payback 5-8 months - Repair Cost Estimation
Calculates the cost of restorative repairs based on damages: labor hours, spare parts, and materials, considering service station prices and region. Provides a substantiated estimate and identifies overcharges from repair shops.
Payback 5-8 months - Duplicate and Double Insurance Check
Identifies duplicate claims and double insurance for a single object or event across multiple policies and insurers by cross-referencing databases, preventing duplicate payouts.
Payback 3-6 months - SIU Investigations Support
Assists SIU investigators: gathers all case data and related information, prepares chronology, evidence, and a draft conclusion, accelerating suspicious case investigations.
Payback 3-6 months
Counterparty check
A dossier on any company in the world from 64 sources and 184 sanctions and watch lists, with a deterministic risk score and a source link for every fact. Three checks free.
3 checks free, no card. Then from 149 UAH one-off.