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    INSURANCE · CLAIMS

    From FIR to Settlement. Days, Not Weeks.

    AI reads claim documents, cross-references policy terms, flags fraud signals, and drafts assessments. Adjusters make the call. Everyone else gets time back.

    Live Claims IntakeAI ACTIVE
    C
    I had an accident on the highway.
    15 days → 4 hrs

    Settlement time drop

    60%

    Adjuster time freed

    Any format

    Photos, FIRs, bills, PDFs

    100%

    Audit trail per claim

    Deployed at India's largest insurers
    IRDAI-compliant workflows
    Any document, any format
    Real-time policy cross-check
    AI AGENT WORKFORCE

    Four Agents. One Claim Handled End to End.

    Each agent handles a distinct phase of the claim lifecycle. Together they eliminate every manual step from intake to settlement.

    Claims Intake AI

    FIRST NOTICE OF LOSS

    Customer files an insurance claim via WhatsApp, voice, or app. AI logs all required details without forms or hold time.

    • Accepts claims via WhatsApp, voice call, mobile app, and web portal — no forms required
    • Customer describes the incident in natural language; AI captures all required fields automatically
    • Claim reference number generated instantly and sent to the customer via SMS or WhatsApp
    • Surveyor or inspection team dispatched without any manual intervention

    Document Extraction AI

    ANY FORMAT

    Photos, FIRs, medical bills, and discharge summaries processed in seconds. Structured data extracted from any format, any quality, any language.

    • Processes FIRs, medical bills, repair estimates, photos, and handwritten claim forms
    • Multi-language OCR across English, Hindi, and 20+ regional languages with dialect awareness
    • Structured data extracted in seconds regardless of document quality or scan resolution
    • Direct integration with claims admin systems — zero manual re-entry of extracted data

    Fraud Signal Detection

    PRE-PAYOUT

    40+ fraud indicators scored simultaneously on every claim before the adjuster opens the file. Novel patterns detected beyond fixed rule-based systems.

    • 40+ fraud indicators scored in real time on every incoming insurance claim
    • Document forgery detected at pixel level — altered amounts, font anomalies, spliced images flagged
    • Claimant history cross-referenced across your entire claims database for pattern matching
    • Suspicious patterns flagged pre-payout — false positive rate reduced by up to 70%

    Assessment Draft AI

    ADJUSTER READY

    AI generates a complete preliminary assessment with payout recommendation, policy citations, and exceptions. Adjuster reviews and approves in one step.

    • AI-generated payout recommendation with exact policy rule and coverage citations
    • Exclusions, deductibles, and policy exceptions noted and explained automatically
    • Full evidence summary — photos, FIR, policy data, and prior claims — in one view
    • One-click adjuster review with 100% audit trail maintained per IRDAI requirements
    CLAIMS JOURNEY

    Six Steps. One Seamless Claim Flow.

    AI handles five of the six steps. The adjuster owns the one that matters. Click each step to explore it.

    FIRST NOTICE OF LOSS

    Claim Intake

    01

    Customer files an insurance claim via WhatsApp, voice call, or mobile app without any form filling. AI captures the incident details, coverage type, and contact information instantly — no hold queue, no call centre wait.

    WORKS WITH
    WhatsAppVoiceMobile AppWeb Portal
    < 60 sec
    Time to register
    Zero
    Forms required
    PROVEN IMPACT

    Numbers From Live Deployments.

    Measured outcomes across insurers who have deployed Fluid AI Claims in production — not benchmarks, not pilots.

    60%
    Reduction in claim cycle time
    15+ days → 4-hour median
    80%
    Claims auto-adjudicated
    Simple claims, zero human touch
    70%
    Fewer fraud false positives
    vs. legacy rule-based systems
    100%
    Audit trail per claim
    IRDAI-compliant, one-click export

    4-Hour Settlement Median

    From First Notice of Loss to adjuster-approved payout in under 4 hours for motor and health claims. Industry median is 15+ days. Deployed at India's largest insurers.

    Pre-Payout Fraud Catch Rate

    Fraud flagged before the cheque goes out — not discovered after. 40+ real-time signals per claim, including document forgery, network analysis, and claimant behaviour patterns.

    Any Channel. Any Language.

    Claims filed via WhatsApp, voice, app, or web — in English, Hindi, or 20+ regional languages. Zero format restrictions on documents. Zero re-keying of extracted data.

    ARCHITECTURE

    How It All Fits Together.

    Customer Channels
    WhatsAppVoiceAppWeb
    FLUID AI CORE
    ReasoningMemoryTools
    AI Agents
    Claim Intake AIDocument AIAssessment AI
    Human Review
    AdjustersSurveyorsClaims Managers
    INTEGRATIONS

    Works With Your Claims Stack.

    FEATURED
    CLAIMS ADMIN
    Guidewire (Gold)
    POLICY ADMIN
    Duck Creek, Majesco
    PAYMENTS
    Payment Gateways
    SURVEYORS
    Surveyor Networks
    DOCUMENT
    Document Storage
    ANALYTICS
    Claims Intelligence
    FRAUD DB
    External Fraud Networks
    COMPLIANCE
    IRDAI Reporting
    THE DIFFERENCE

    Traditional Claims vs. Fluid Claims AI.

    AREA
    TRADITIONAL
    WITH FLUID AI
    Settlement time
    15+ days per claim
    4-hour settlement median
    Document handling
    Manual entry across 2 systems
    Any-format auto-extraction
    Customer updates
    Customer calls to check status daily
    Real-time WhatsApp status updates
    Fraud detection
    Caught after payout (if at all)
    Flagged pre-payout automatically
    Data entry
    Duplicate entry across systems
    Zero duplicate entry
    DEPLOYMENT TIMELINE

    Live in Weeks, SLA in 3 Months.

    Week 1

    Claims System Connected

    Core claims admin integrated and data flowing

    Week 2

    Document Extraction Live

    Any-format intake processing claims in real time

    Week 4

    Fraud Detection Active

    40+ fraud signals screening every claim

    Month 3

    4-Hour Settlement SLA

    Measurable improvement across the claims lifecycle

    GET STARTED

    From FIR to Settlement. Days, Not Weeks.

    Deploy claims AI across every channel, every document, every claim.

    FAQ

    Frequently Asked Questions.

    Claims AI handles any document format: photos, FIRs, medical bills, discharge summaries, repair estimates, scanned PDFs, and handwritten forms. OCR extracts structured data from all formats including low-quality mobile photos. Multi-language support covers English, Hindi, and 20+ regional languages.

    The platform is natively multilingual. Claims filed in Hindi, Tamil, Marathi, Bengali, and 20+ other languages are processed directly without translation. Extraction models are trained per-language to handle regional document formats, local court FIR templates, and regional hospital discharge formats.

    Yes. Fluid AI has pre-built connectors for Guidewire, Duck Creek, Majesco, and major claims administration platforms. Integration is via secure API, SFTP, or direct database connectors. Typical integration takes 2 to 4 weeks. Custom connectors are available for proprietary systems.

    Rule-based systems flag only known patterns. Fluid AI's fraud detection uses anomaly scoring across 40+ signals including document metadata analysis, cross-claim pattern matching, claimant network analysis, and historical comparison. Novel fraud patterns are detected even without a matching rule, because the AI learns behavioral signals, not just surface patterns.

    Fluid AI generates recommendations, not decisions. The adjuster retains full approval authority. Every AI-generated assessment includes recommended payout, policy references, fraud flags, and exceptions noted. The adjuster reviews, edits if needed, and approves. Full audit trail is maintained for every human decision.

    All claim data is processed within your on-premise or private cloud environment. Zero data leaves your network perimeter. PII is redacted before any model processing where anonymisation is feasible. SOC 2 Type II, ISO 27001, and IRDAI-compliant data handling protocols apply. Full audit logs of every data access event are maintained.