Underwrite smarter. Settle faster. See the fraud ring before the next policy.
Insurance is a promise tested only when it matters. Claims cycles of 18 to 28 days, underwriting leakage at 15 to 20 percent, and fraud identified only post-payout are not technology limits. They are memory limits. We ship claims, underwriting, and fraud systems where every decision teaches the next.
AI that compounds with every engagement.
Global insurance sits at a multi-trillion-dollar inflection. Regulator visions of universal coverage, mandated standardised claims exchanges, composite-licence reforms reshaping the life, non-life, and health split, and a consumer base that now expects the experience it gets from a D2C retailer. Yet insurers still run claims cycles of 18 to 28 days on straight-through cases, manually underwrite 60-plus percent of medical proposals, and catch fraud rings only after the payout. Legacy core systems like Guidewire, Duck Creek, Oracle OIPA, and LifeAsia were not built to integrate ambient claim evidence, real-time risk signals, or network-level fraud topology. Kaara ships AI-native claims, underwriting, and fraud systems governed for insurance regulators and claims-exchange standards from day one.
What enterprises are up against.
Structural barriers that generic AI approaches cannot solve.
Claims TAT of 18 to 28 days on STP cases driven by document verification, medical-underwriting hand-offs, and surveyor scheduling
Underwriting leakage of 15 to 20 percent on issued policies priced on incomplete risk because medical and lifestyle data live in silos
Fraud detection reactive, with rings identified post-payout and network-level topology invisible to single-transaction engines
Personalisation limited to 'term vs endowment' segmentation, with life-event and behaviour-linked product design still manual
Claims-exchange integrations, expense-of-management rule changes, and consent cascading require constant system-level recalibration
Use cases Kaara can power.
Production-grade use cases scoped for Insurance, each with a defined path to production.
Intelligent Claims Processing
We build intelligent claims processing for Indian insurers. Our prototype cuts claim TAT from 14 days to 3, lifts STP from 12% to 38%, and drops leakage by 350 bps.
Intelligent Claims Processing
UC-45A top-10 global health and general insurer with $2.2B annual GWP, 25M policies in-force, and 28M annual claims across four markets.
Claims TAT on reimbursement averaged 26 days. 22 percent of claims were reworked for documentation. Fraud was identified only post-payout at 1.8 percent of paid claims, with $32M annual leakage estimated. Claims-exchange readiness was a theoretical aspiration.
Kaara shipped an AI-native claims engine inside the insurer's VPC. Straight-through-processing rules, claims-exchange schemas, and consent obligations were encoded as executable governance. Ambient document intelligence, medical-necessity reasoning, and network-level fraud topology ran inside one orchestrator.
