badge-gestion-sinistres-clairbadge-gestion-sinistres-sombreUse Case • Claims Management · Insurance

Faster, Fraud-Free Claims Processing

Accident reports, repair estimates, invoices, and photos: AITECA analyzes and verifies every document in a claims file within minutes, detects fraud and compliance issues, and helps claims adjusters make confident, accurate decisions. Accelerate and secure claims settlement, reduce operational costs, and improve policyholder satisfaction.

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Omnichannel Customer Journey
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Built-In Fraud Detection
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ISO 27001:2022 Certified
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faster claim file preparation
60%
reduction in manual follow-ups
100%
reliable, compliant claim files
0
manual data re-entry
Challenges

Balancing Faster Claims Processing, Risk Control, and Policyholder Satisfaction

Speeding up claims settlement without compromising fraud detection, compliance, or service quality is a constant challenge. Rising document volumes, increasingly sophisticated fraud, and growing policyholder expectations make maintaining that balance harder than ever.

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Claims Adjusters Burdened by Manual Tasks

Collecting repair estimates, invoices, and photos, verifying documents, following up with claimants, and re-entering data into claims management systems slow down claims processing and keep adjusters focused on low-value administrative work.

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Our Response

Zero manual data entry: your teams can focus on the claims that require their expertise.

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Insurance Fraud Is Costly. AI Is Making It Worse

AI-generated repair estimates and invoices, exaggerated or fabricated claims, and the same supporting documents submitted to multiple insurers are making fraud increasingly difficult to detect. Insurance fraud now costs the industry nearly €1 billion a year.

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Our Response

Every document is authenticated
before any claim is paid.

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A Poor Claims Experience Undermines Customer Trust

When a claim occurs, policyholders expect speed, clarity, and transparency. Repeated requests for missing documents and limited visibility into claim status create frustration, erode trust, and hurt customer retention.

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Notre réponse

Transparent claim tracking and
faster payouts for policyholders.

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INFOGRAPHIC

The Vigilant CTO's Checklist :
20 Key Questions for Auditing an AI & PII Technology Provider

Process

A Seamless, Fully Secure Process from Claim Reporting to Settlement

Free your claims adjusters from repetitive administrative tasks. AITECA orchestrates all six steps of the claims process, from initial claim reporting to final settlement. Select a step to explore its key capabilities and features.

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Step 1 / 6

Documents & Evidence Collection

Policyholders are guided through every step of the claims submission process in real time, making it easy to upload accident reports, repair estimates, invoices, and other supporting documents, as well as capture timestamped and geotagged photos of the damage. Every document is verified instantly, and policyholders receive immediate feedback.

Key Features

Omnichannel document capture
Automatic document recognition and classification
Secure document upload from mobile and desktop
Real-time upload tracking and policyholder notifications
eIDAS-certified mobile app for timestamped and geotagged photo capture
GDPR-compliant document submission with two-factor authentication
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Step 2 / 6

Automatic Claims Data Extraction

As soon as documents are received, each one is analyzed. AITECA orchestrates multiple specialized AI models to extract key claim information, including policyholder details, amounts, dates, policy references, repair items, and more, with 99% extraction accuracy.

Key Features

Context-aware AI orchestration (handwritten documents, multilingual content, unstructured correspondence, and more)
Extraction of key fields: policyholder, policy number, amounts, dates, and other critical data
Image analysis of claim photos (damage type, severity, and other visual insights)
Understanding of tables and complex document layouts
Confidence score for every extracted data point
Automatic data normalization
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Step 3 / 6

Fraud Detection

AITECA verifies the authenticity of every document and the legitimacy of every claim by combining multiple layers of analysis, including document content, claim photos, metadata, and shared fraud intelligence, to detect forged or reused repair estimates, invoices, and supporting documents before any claim is paid.

Key Features

Fraud risk assessment before claim settlement decisions
Detection of image manipulation and document tampering (repair estimates, invoices, and claim photos)
Verification of claim reporting dates against eIDAS-certified, timestamped claim photos
Detection of duplicate and fraudulent claims through the shared M+ fraud intelligence database
Matching of the date of the claim filing and the certified timestamp of the claim photo
Identifying Fraudulent Duplicate Claims Through the Shared M+ Database
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Step 4 / 6

Compliance Checks & Business Rules

Automatically verify that every claim file meets your business requirements before settlement. AITECA checks document eligibility, data consistency, dates, amounts, locations, and file completeness, while maintaining a complete audit trail for every decision.

Key Features

Claim file completeness checks based on the type of claim
Cross-document consistency checks, including policyholder and beneficiary information
Verification of document validity, age, and eligibility
Cross-checks against external reference databases, including PEP lists and SIREN/SIRET business registries
Geographic consistency checks between the reported incident location and certified geolocation data
Fully customizable business rules based on your claims handling and decision criteria
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Step 5 / 6

Claim File Completion & Automated Follow-Ups

Automatically request missing or non-compliant supporting documents from policyholders and guide every claim file through to completion, without requiring claims adjusters to spend time on manual follow-ups.

Key Features

Automated email and SMS reminders
Detection of missing or expired supporting documents
Personalized messages based on the policyholder and claim type
Real-time claim file completion tracking
Scheduled reminders and escalation workflows
Complete audit trail of all communications
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Step 6 / 6

Claim Approval & Settlement

At this stage, the claim file is complete, verified, and ready for confident final approval and settlement.

Key Features

Pre-filled settlement recommendations generated from validated claim data (Property & Casualty)
Decision letters automatically generated using your brand templates
Benefits and claims payment processing (Health Insurance)
Complete audit trail with legally defensible claim records
Automatic status updates synchronized with your claims management system
GDPR-compliant data retention and records management

Secure Every Claim, From
Claim Submission to Settlement

AITECA combines AI, shared data, and real-time checks to secure every claim file, without requiring changes to your existing portal.

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AI Assistant

Louna Secures Every Claim File

Louna, our AI copilot, automatically verifies document consistency, flags anomalies, and prepares the settlement decision, allowing claims adjusters to focus on supporting policyholders.

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Comprehensive Claim File Analysis
Repair estimates, claim photos, and policy coverage are automatically cross-checked to ensure consistency.
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Faster Claim Settlement
With fewer back-and-forth requests for missing information, settlement decisions are prepared in seconds.
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Complete Audit Trail
Every document, verification, and decision is securely recorded to support audits, disputes, and regulatory compliance.
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Base M+ · exclusive to AITECA

Break Down Silos in Insurance Fraud Detection

The same repair estimate or invoice can be submitted to multiple insurers as part of organized fraud. Only Base M+, AITECA's exclusive shared document fingerprint database, enables insurers to detect cross-carrier fraud while protecting sensitive information.

Nationwide visibility into cross-insurer fraud alerts
Detection of both forged and legitimate documents used in fraudulent schemes
Identification of documents that have already been submitted or flagged as suspicious across the insurer network
Real-time alerts for exact and partial document matches
Continuously enriched through real-world claim activity
Secure data sharing with anonymization and full GDPR compliance
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Integration

Enhance Your Existing Policyholder Portal

Already have a policyholder portal? AITECA integrates seamlessly with your existing platform—no redesign required—to add advanced document processing and real-time verification capabilities. The entire experience remains transparent to policyholders, with an interface that stays fully aligned with your brand.

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No Portal Redesign Required
APIs and embeddable components let AITECA enhance your existing policyholder portal without rebuilding it.
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Real-Time Verification & Notifications
Document validity, compliance, and authenticity are verified the moment files are uploaded, with instant notifications sent to policyholders.
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Seamless for Policyholders
The interface remains fully aligned with the insurer's brand, ensuring a consistent and uninterrupted customer experience.

Happier Policyholders, More Efficient Adjusters
Settle Claims Faster, with Confidence

Request a demo tailored to your organization and your claims management system.

Everything you need to know

Accident reports, claim forms, repair estimates and invoices, damage photos, certificates, and identity and address documents. AITECA can process the most common documents found in a claim file and can be configured for your specific document types.

AITECA analyzes document images, content, and metadata, cross-checks information across documents, and queries the shared Base M+ database to identify falsified or previously used repair estimates and invoices—and flags any anomalies for review.

Yes. Policyholders can report a claim and upload supporting documents from their mobile device, while claims adjusters manage the claim from their workstation—with shared, real-time tracking throughout the process.

Yes. Through APIs and connectors, validated data flows directly into your claims management system and document management system, with no manual re-entry required.

Resources

Get the insights you need to move forward

On-demand webinars, practical guides and online demos to evaluate AITECA for your own use case.