The Submission

Neutrinos Warning Icon

The Issue at Hand

Customers feel anxious while
navigating claims

Every claim begins and ends with the customer. It is important that the insurer secures their peace of mind at every juncture of the journey.

Who is the customer? It could be the person insured, or a friend, relative, or anybody acting on the insured’s behalf. Regardless, they are the ones submitting the claim to the agent.

Once the agent has the claim in their hands, they have the responsibility to not only check the insured’s identity and documents submitted but also navigate them through the journey.

Read more
Neutrinos Thumbnail Submission Image
Neutrinos Bulb Image

The Neutrinos Advantage

Let customers take control with intuitive submission & OCR capabilities

The Neutrinos platform makes it possible, and easy for the customer to intuitively submit the documents digitally, without the fear of intimidating insurance parlance.

Bypassing the agent means that the customer has the means to track their eligibility at any given time, at the click of a button.

Crucially, the OCR capabilities of the platform automatically extracts relevant information from the multitude of documents and consolidates it all together for easy consumption.

Read more
Claim divider 1

The Verification

Neutrinos Warning Icon

The Issue at Hand

Medical officers are overburdened
with admin tasks

The agent then passes on the documents to a medically qualified officer. While this person is expected to adjudicate the eligibility of a claim, the manual, laborious nature of the task can result in delays in processing.

The medical officer has to check the documents submitted with intense scrutiny. Worse, they not only have to check everything from a medical point of view, they are also burdened by administrative tasks, which is not their domain of expertise.

In addition to deciding if a claim is eligible for a pay-out, they also have the added responsibility of deciding how much to pay.

Read more
Neutrinos Thumbnail Verification Image
Neutrinos Bulb Image

The Neutrinos Advantage

Simplify administration with automated eligibility checks & payout determinations

The Neutrinos algorithm is such that it can extract information from new documents, aggregate information from existing ones and then consolidate them to support the new claim.

Aside from determining the eligibility of the claim and the final pay-out, the algorithm also dictates when a medical officer’s intervention is required to confirm the diagnosis for more complex claims.

By removing these administrative dependencies, medical officers can now focus on just delivering their expert judgement and customers can be assured of an efficient process.

Read more
Claim divider 1

The Investigation

Neutrinos Warning Icon

The Issue at Hand

Insurers need to identify fraudulent claims
& investigate without bias

Consistency is key in insurance claims. Customers should not feel like the decision taken has been accompanied by bias and insurers need to ascertain that a claim is not fraudulent.

For this, insurers need to maintain a keen eye for detail and conduct investigations free of any personal opinions. However, the process itself is long and can become redundant without the right sets of data.

If insurers are not able to control fraudulent practices, customers would be burdened with increased premiums and may also leave themselves more vulnerable to risks.

Read more
Neutrinos Thumbnail Investigation Image
Neutrinos Bulb Image

The Neutrinos Advantage

Protects customers & insurers with intelligent pattern recognitions

The Neutrinos algorithm is designed to analyze patterns and behaviors and determine if any of them may result in possible fraud or risk.

The algorithm will scan patterns in terms of frequency of claim, nature of the claim, and also data about the person and their background to determine if the claim is fraudulent.

By building these capabilities into the system, insurers can avoid a tedious process and also maintain their credibility as insurance companies.

Read more
Claim divider 1

The Communication

Neutrinos Warning Icon

The Issue at Hand

Customers are left feeling uninvolved
or ignored in the claims process

Unlike online shopping, the systems and processes in insurance are unfortunately not built to provide clear insights about the status of a customer's claims.

Communication between customers and insurers is also broken. Sometimes, a customer may be unclear on the details required and will have to wait days before they can get a call from the insurer about their claim’s status.

This lack of transparency is a result of archaic technological integration and can result in customers becoming frustrated and insurers losing credibility.

Read more
Neutrinos Thumbnail Communications Image
Neutrinos Bulb Image

The Neutrinos Advantage

Build trust through transparent online communication

The Neutrinos Communication Module allows insurers to monitor all email correspondence with internal and external stakeholders from within the platform.

By adding this layer of transparency and efficiency, customers enjoy more open communication with insurers and can feel assured that their claims are being processed meticulously.

Read more
Claim divider 1

The Settlement

Neutrinos Warning Icon

The Issue at Hand

Outdated payment methods have been
slowing insurers down

Finally, we move on to the claims settlement and payment resolution. Insurers in the 21st century still depend on outdated payment methods to disburse money - either through cash or check.

Those that do use digital payments, find that the process can be time consuming when trying to transfer the data to their banking systems.

Most insurers lack the technology to do instant integrations and cannot avoid the excessive effort that is needed to build such capabilities on legacy platforms.

Read more
Neutrinos Thumbnail Settlement Image
Neutrinos Bulb Image

The Neutrinos Advantage

Combine legacy platforms with modern tech using instant integrations

The Neutrinos platform is built to allow instant integration that avoid having to build capabilities over and above their pre-existing legacy platforms.

Read more