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    INSURANCE · FRAUD & COMPLIANCE

    Catch Fraud Before You Pay It. Never Miss an IRDAI Circular Again.

    AI screens every claim for fraud signals. AI monitors every regulatory update. Two AI systems. One compliance officer's peace of mind.

    Fraud + Regulatory Dashboard40+ signals · 1,240 docs
    FRAUD DETECTION
    CLM-8842HIGH
    Score: 84/100
    CLM-7621MED
    Score: 67/100
    CLM-9103LOW
    Score: 22/100
    REGULATORY FEED
    IRDAI/HLT/CIR/208NEW

    Health insurance waiting period changes

    IRDAI Motor Claims 2025NEW

    Surveyor report format update

    DPDP Act (Insurance)2 DAYS

    Data localisation updates

    ₹45,000 Cr

    Annual insurance fraud losses in India

    18%

    Motor claims showing manipulation

    70%

    Undetected fraud pre-Fluid AI

    1,240+

    Regulatory docs indexed

    Real-time fraud scoring across every claim
    IRDAI circular monitoring, 24/7
    On-prem deployment, air-gapped capable
    Compliance-aligned across jurisdictions
    THE SCALE OF THE PROBLEM

    Fraud Is Not Rare. It Is Systematic.

    Every year Indian insurers pay out billions on fraudulent and manipulated claims. Most goes undetected until after the cheque clears.

    ₹45,000 Cr
    lost to insurance fraud annually

    Across the Indian industry. Most pre-payout detection is rule-based and misses novel organised patterns entirely.

    18%
    of motor claims show manipulation

    Document inflation, ghost vehicles, staged accidents — running at industrial scale with no AI screening in place.

    70%
    of fraud is paid out undetected

    Manual adjusters can deep-dive on fewer than 5% of files. Everything else goes through on face value.

    AI AGENT WORKFORCE

    Two Systems. One Compliance Officer's Peace of Mind.

    Four agents covering both sides: fraud is caught before payout, regulations are caught before the deadline.

    Fraud Signal Detection

    DIFFERENTIATOR

    Real-time scoring on 40+ fraud indicators on every insurance claim before the adjuster opens the file. Novel patterns flagged even without matching rules.

    • 40+ fraud indicators scored simultaneously on every incoming insurance claim in real time
    • Anomaly detection flags novel fraud patterns not covered by traditional rule-based systems
    • Risk scores delivered before the adjuster opens the file — zero post-payout fraud surprises
    • False positive rate reduced by up to 70% compared to legacy rule-based fraud detection

    Document Forgery Detection

    PIXEL-LEVEL

    Detects altered amounts, font inconsistencies, doctored images, and duplicate submissions across historical claims databases. Invisible to the human eye — not to AI.

    • Detects font inconsistencies, altered claim amounts, and digital image splicing
    • Compares submitted documents against a library of genuine insurance document templates
    • Pixel-level analysis catches alterations that are invisible to the human eye
    • Duplicate submission detection across your full historical claims database

    Network Analysis AI

    RING DETECTION

    Maps relationships between claimants, garages, hospitals, and intermediaries to identify coordinated insurance fraud rings across policies and time periods.

    • Maps relationships between claimants, repair garages, hospitals, and intermediaries
    • Identifies coordinated insurance fraud rings operating across multiple policies
    • Suspicious hub-and-spoke networks surfaced automatically for investigation
    • Cross-policy pattern matching across your full historical claims database

    Regulatory Intelligence Monitor

    ZERO MISSES

    Every IRDAI circular indexed within minutes of official publication. Plain-language summaries with required actions routed to the right teams automatically.

    • Every IRDAI regulatory circular indexed within minutes of official publication
    • Plain-language summary and required action automatically generated per circular
    • Each circular routed to relevant teams based on their business line and function
    • Compliance deadline tracking and action checklist auto-populated for each requirement
    CAPABILITIES CATALOG

    Five Modules. One Intelligent Brain.

    Click each module to explore what it connects to and what it can do for your team.

    FRAUD SIGNAL DETECTION

    40+ Signals Screened on Every Claim.

    AI evaluates every claim against 40+ fraud signals simultaneously — duplicate FIRs, inflated estimates, staged accident patterns, and network anomalies — before any payout is triggered.

    SUPPORTED
    Claims DBFIR DataMedical RecordsNetwork Graph
    Fraud signals
    40+
    Pre-payout catch rate
    30%
    COMPLIANCE OFFICER WORKSPACE

    Everything That Matters In One Feed.

    Fraud alerts and regulatory updates in a single prioritised feed. Every alert has context. Every alert has a next action.

    Fraud signal · Claim CLM-8842 · Score 84/100 · Investigate

    IRDAI Circular · Health Insurance Waiting Period · Impact: Underwriting

    Duplicate detected · Claims 8842 and 7621 · Same FIR reference

    New IRDAI KYC guidance · Data localisation · Impact: Onboarding

    ARCHITECTURE

    Two Parallel Intelligence Lanes.

    FRAUD LANE
    Claim Intake
    Document AI
    Network AI
    Score & Alert
    COMPLIANCE LANE
    IRDAI Feed
    Document Parser
    Categorization
    Team Alert
    Compliance Officer Dashboard
    PROVEN IMPACT

    Numbers From Live Deployments.

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

    30%
    Fraud caught before payout
    Claims flagged and held before funds are released
    99.8%
    Duplicate claim match accuracy
    Cross-referencing FIR, hospital, and claims data in real time
    < 24hr
    Regulatory circular response time
    IRDAI circulars assessed and actioned within one business day
    0
    Missed SLA filings
    SARs, audit reports, and regulatory filings auto-generated on time

    AI Screens Every Claim. Not Just 5%.

    Manual adjusters can deep-dive on a fraction of daily claims. Fluid AI screens 100% of submissions against 40+ fraud signals simultaneously — before a single rupee moves.

    IRDAI Compliance. Continuous. Automated.

    Every new IRDAI circular is parsed, categorised by product impact, and routed to the right team within 24 hours. No manual tracking. No missed deadlines. Full audit trail.

    SARs and Filings. Written by AI.

    Suspicious Activity Reports, internal audit summaries, and regulatory filings are drafted automatically from structured data — reviewed and submitted in minutes, not days.

    THE DIFFERENCE

    Pre-Payout Detection vs. Post-Payout Regret.

    TRADITIONAL
    Fraud caught after payout
    Rule-based detection misses novel patterns
    IRDAI circulars read manually, sometimes weeks late
    Compliance officer overloaded with monitoring
    Regulatory misses trigger fines and reputational risk
    WITH FLUID AI
    Fraud flagged pre-payout in real time
    AI-native detection catches novel patterns
    Every IRDAI circular indexed and alerted
    Team notified with impact analysis
    Zero regulatory misses
    DEPLOYMENT TIMELINE

    Fraud Signals in Weeks. Zero Misses in 3 Months.

    1
    Week 1

    Claims Database Connected

    Historical claims integrated for pattern baseline

    2
    Week 2

    Fraud Signals Live

    40+ fraud indicators scoring every new claim

    3
    Week 4

    Regulatory Feed Active

    IRDAI circulars monitored and auto-routed

    4
    Month 3

    Zero Regulatory Misses

    Full audit trail, compliance officer dashboard live

    GET STARTED

    Fraud Prevented. Circulars Never Missed. Compliance Automated.

    Deploy fraud and compliance AI across every claim, every regulation, every audit.

    FAQ

    Frequently Asked Questions.

    Fluid AI's fraud detection uses anomaly scoring across 40+ signals rather than fixed rules. The model scores each claim across document metadata, claimant history, network patterns, image analysis, and behavioural signals simultaneously. Novel patterns that have no matching rule are still flagged when the aggregate anomaly score exceeds thresholds. The model learns from confirmed fraud cases within your deployment to improve detection over time.

    Fluid AI cross-references your internal historical claims database, blacklisted claimant databases, external fraud network databases (configurable by insurer), and bureau data where available. Vehicle registration and FIR databases can be connected via API for motor claims. The system can also ingest industry-shared fraud intelligence feeds where such sharing agreements exist between insurers.

    Regulatory Intelligence monitors the IRDAI official publication feed and indexes every new circular within minutes of publication. Each circular is parsed into structured metadata: reference number, affected business lines, effective date, required actions, and impact summary in plain language. Relevant circulars are routed to the teams they impact based on pre-configured routing rules.

    Yes. Circular routing is fully configurable. A health insurance circular routes to underwriting and claims teams. A digital KYC circular routes to onboarding and compliance. An investment regulation update routes to finance and product. Each team receives only the circulars relevant to their function, with a plain-language summary of the required action and deadline.

    OCR reads text from documents. Document Forgery Detection analyses the document itself: font consistency, ink density, metadata embedded in image files, pixel-level alterations, and comparison against known genuine document templates. It detects cases where text has been digitally altered, images have been spliced, or numbers have been changed after the fact. OCR cannot detect any of these patterns.

    All fraud investigation data is processed within your on-premise or private cloud environment under IRDAI-compliant data governance policies. Fraud scores, claimant flags, and investigation logs are access-controlled to authorised fraud and compliance teams only. Full audit trail of every data access and investigation action is maintained. Data retention policies are configurable to match your regulatory obligations.