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Industry · Insurance

Insurance with the claim file built before the handler opens it

A claim starts with an email, four photos, a PDF and a phone call. Someone has to put it all together, find the policy, check the cover and ask for whatever is missing, and that work repeats hundreds of times a month. Veodar automates it up to the exact point where judgment is needed. There, a person decides.

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Systems common in this industry

  • Policy admin system
  • Claims management
  • CRM
  • Rating engine
  • EIAC
  • Guidewire
  • Salesforce
  • Power BI
Fig. 01Policy card fileIN FORCECOVERDEDUCTIBLEPOLICY—INBOX—CLAIM FILESREVIEWVEODAR · SG-06Looping
A claim arrives with its policy number. The card file turns to its card, coverage dates, cover and deductible are checked, and the file is ready for the claims handler. If something does not match, it goes to review.

01

A claim arrives in ten different formats.

Email with photos, web form, broker PDF or WhatsApp message. An AI agent reads each one, pulls out the policy number, date, type of loss and contact details, finds the policy and checks dates, cover and deductible. The claims handler opens a file that is already built, with whatever is missing flagged.

Missing items are requested automatically: the repair invoice, the blurry photo or the police report. The policyholder gets a link to upload it from their phone, and the file completes itself without calls.

02

Renewals that are not discovered on the expiry date.

For a broker, every renewal is a chain of tasks: notify the client, request updated details, compare quotes from several carriers and file the new policy. We turn it into a workflow with dates, reminders and a work queue that shows what is pending and with whom.

Carrier documents arrive in different formats. We read them and put them into your management system through an API, exchange files or the EIAC standard when the carrier uses it.

03

Adjusters with their schedule and photos in one place.

A mobile app for loss adjusters and repairers with the day’s visits, the route, a checklist for each type of claim and photos with date and location, even with no signal. The report comes from what was gathered on site, not from rewriting notes at night.

Policyholders see in a customer portal where their claim stands, so the phone stops being the only way to find out.

04

AI builds the file. Cover and price, it does not.

AI does not decide whether a claim is covered or how much is paid, and it does not set prices. For life and health insurance, the EU AI Act treats risk assessment of individuals as high-risk, and we design to that standard even when a specific case is not.

Every step is logged: what the system read, what it proposed and who approved it. For insurers, which also fall under the DORA regulation on digital operational resilience, we document access, suppliers and continuity for what we build.

Deliverables

What we usually build for insurance.

  • Claims intake from email, web or PDF
  • Claim file built with the policy and what is missing
  • Automatic document requests to the policyholder
  • Renewal workflow for brokers
  • Loss-adjusting app with photos and offline checklists
  • Customer portal with the status of every claim

Questions

What we usually get asked

Missing yours? Write it to info@veodar.com and we'll reply with a specific question, not a brochure.

Do you work for insurers or for brokers?

Both. At an insurer we usually start with claims intake; at a broker, with renewals and carrier documents.

Do you integrate with our policy administration system?

If it has an API, an accessible database or exchange files, yes. We review it with your IT team at the start and tell you what can be read and what can be written.

Can the AI approve a claim?

No. It builds the file, flags what is missing and makes a proposal. The decision on cover and payment is always made by a person.

Where is policyholder data stored?

On servers in the European Union, encrypted and in accounts in your name. Health data is treated as a special category, with role-based access and a log of every time it is opened.

Where do you start?

With claims intake or with renewals, depending on where most hours go. With twenty real examples we measure what reads well and what does not before building anything.

Updated:

All services

Get started

Send us a sample claim.

Anonymized, with no personal data. From one example we can tell you what reads itself and what needs a person. We reply by email.

Tell us about your project info@veodar.com
Fig. 07Morse keyINFO@VEODARH · E · L · L · O