Control the Claim.
Control the Money.
AI-powered claim intelligence infrastructure that transforms raw insurance data into liability, cost, fraud, and payment decisions in ≤5 minutes.
Insurance profitability is lost in claims — not underwriting.
Claims operations remain one of the most costly, inconsistent, and fraud-prone processes in insurance. The cost isn't just in payouts — it's in every decision made manually.
estimated annual claims leakage in the US insurance market alone
Manual Processing
Expert reviews take 15–90 minutes per claim. Bottlenecks multiply at scale, creating delays that cost time and money.
Inconsistent Decisions
Human judgment varies. Without standardized analysis, the same claim can receive wildly different outcomes.
Fraud & Manipulation
Staged accidents, inflated damages, and fabricated medical reports pass undetected through traditional workflows.
Legal Disputes
Weak documentation invites litigation. Poor liability reasoning drives unnecessary legal exposure.
Slow Turnaround
Cycle times stretch. Customer satisfaction drops. Competitors with better tools close claims faster.
From fragmented claims handling to structured decision intelligence.
Claritum replaces ad hoc expert workflows with a standardized, AI-driven intelligence layer that every claims operation can adopt.
- 15–90 min manual expert reviews
- Fragmented, disconnected workflow
- Inconsistent human judgment
- High dependency on expensive specialists
- Slow, leak-prone decision cycle
- No structured fraud signal
- ≤5 min structured analysis output
- Standardized, repeatable intelligence
- Scalable AI-assisted decision logic
- Low fixed case cost per claim
- Faster cycle with stronger risk visibility
- Built-in contradiction & fraud detection
How Claritum Works
Five structured steps. One coherent output. From raw evidence to decision-ready intelligence in minutes.
Upload Documents
Submit claim documents, accident reports, photos, medical records, or policy files through the API or secure interface.
AI Parses & Structures
The intelligence layer extracts, normalizes, and categorizes every piece of relevant claim data automatically.
Engines Analyze Evidence
Specialized AI engines apply domain logic — forensic, medical, legal, financial — to interpret the structured inputs.
Decision Logic Generated
Liability reasoning, cost estimates, fraud signals, and payment recommendations are generated with supporting rationale.
Structured Report Delivered
A complete, insurer-ready intelligence report is returned — ready for claim handler review, audit, or system integration.
One Platform. Four Core Claim Intelligence Engines.
Each engine is purpose-built for a specific claim intelligence question. Deploy one or all four — modularly, at your pace.
Accident Analysis
AI-powered forensic reconstruction for speed estimation, impact force, time-space analysis, avoidability assessment, and expert-style reporting.
- Speed and trajectory reconstruction
- Impact force and deformation analysis
- Time-space positioning logic
- Avoidability and causation assessment
- Expert-style narrative report output
Damage Assessment
AI visual damage evaluation for repair estimation, total loss prediction, part validation, and insurer-ready cost logic.
- Visual damage classification and scoring
- Market-rate repair cost estimation
- Total loss prediction thresholds
- Part and labor validation checks
- Insurer-ready cost summary output
EAR Analysis
European Accident Report intelligence engine for consistency scoring, contradiction detection, liability reasoning, and statement validation.
- EAR form parsing and field extraction
- Consistency scoring across statements
- Internal contradiction detection
- Liability reasoning and attribution logic
- Multi-party statement cross-validation
PHI Analysis
Medical claim validation engine for diagnosis validation, policy matching, pre-existing condition review, and payment logic support.
- Medical diagnosis validation and coding check
- Policy coverage and condition matching
- Pre-existing condition flag detection
- Treatment cost reasonableness review
- Payment eligibility recommendation
Fraud is not just detected. It is exposed through inconsistency.
Claritum doesn't rely on pattern matching alone. It surfaces contradiction, manipulation, and implausibility across every layer of the claim.
Massive savings at claim level. Transformational impact at portfolio level.
The economics of AI-driven claim intelligence are not incremental. They are structural. Every claim processed with Claritum reduces cost, risk, and cycle time.
Per-decision cost drops from €300 to under €5 with Claritum AI.
Structured reports delivered in minutes, not hours.
Potential direct savings per claim through better decisions and reduced leakage.
From €300+ traditional expert cost to a low fixed AI-assisted rate.
Decision Intelligence for Insurance.
Built for Accuracy. Designed for Trust.
AI-powered accident, damage, and injury analysis — secure, auditable, and already used by real-world organizations.
The People Behind Claritum AI
Claritum AI was built by a team of specialists with deep roots in insurance, fraud investigation, legal operations, and enterprise AI — people who understand first-hand the challenges facing claims professionals.
Our team combines decades of domain expertise with cutting-edge AI research, united by a single mission: giving the people who fight fraud and manage complex claims the intelligence tools they deserve.
Claritum AI is backed by investors who believe that the future of insurance operations depends on structured, explainable, and defensible AI — not black-box automation.
Platform Pillars
Deployed across finance, healthcare, logistics, and enterprise automation.
Backed by Investors. Built for the Long Term.
Investor-Backed Growth
Claritum AI has secured investment from backers who understand the insurance technology landscape and are committed to long-term platform development.
Operationally Independent
Our investor backing gives us the runway to focus entirely on product quality and customer outcomes — without short-term commercial pressure.
Strategic Roadmap
Clear long-term vision with structured execution across product, infrastructure, and market expansion — supported by aligned capital.
Structured Team. Proven Processes.
Team Composition
Operational Processes
Continuously Improving. Constantly Evolving.
Model Refinement
Iterative updates to core AI reasoning layers
Real Case Feedback Loops
Production data integrated into model training
Module Expansion
New intelligence engines added on a structured roadmap
Performance Optimization
Speed, accuracy, and reliability improvements
Model Refinement
Iterative updates to core AI reasoning layers
Real Case Feedback Loops
Production data integrated into model training
Module Expansion
New intelligence engines added on a structured roadmap
Performance Optimization
Speed, accuracy, and reliability improvements
Security is Built Into the Core
Start Making Faster, Safer Decisions Today
Start with a pilot. Scale with confidence.
Launch a focused pilot on a defined claim type or volume segment. Validate operational and financial impact. Then expand across the claims lifecycle.
Frequently Asked Questions
Common questions from insurance operations and innovation leaders evaluating Claritum AI.
Claritum is built for P&C and health insurers of all sizes — from regional carriers to multinational enterprise operations. Our platform is particularly suited to insurers processing high volumes of motor, liability, or medical claims where decision quality and speed directly impact profitability. Claims directors, operations leaders, and fraud/SIU teams are the primary users.
Claritum is built for P&C and health insurers of all sizes — from regional carriers to multinational enterprise operations. Our platform is particularly suited to insurers processing high volumes of motor, liability, or medical claims where decision quality and speed directly impact profitability. Claims directors, operations leaders, and fraud/SIU teams are the primary users.
Most pilots are scoped and launched within 2–4 weeks. We define a clear claim type, volume segment, and KPI framework upfront, so results are measurable from day one. There is no need for lengthy integration or infrastructure work to begin validating impact.
Most pilots are scoped and launched within 2–4 weeks. We define a clear claim type, volume segment, and KPI framework upfront, so results are measurable from day one. There is no need for lengthy integration or infrastructure work to begin validating impact.
No. Claritum is designed to work with the raw, unstructured inputs that exist in real claims operations — scanned documents, PDFs, images, accident report forms, medical records, and narrative submissions. Our AI layer handles the parsing, structuring, and normalization automatically.
No. Claritum is designed to work with the raw, unstructured inputs that exist in real claims operations — scanned documents, PDFs, images, accident report forms, medical records, and narrative submissions. Our AI layer handles the parsing, structuring, and normalization automatically.
Yes, and this is the recommended approach. Each of the four intelligence engines — Accident Analysis, Damage Assessment, EAR Analysis, and PHI Analysis — operates independently. You can start with the product most relevant to your current claims challenge, validate the impact, and expand at your own pace.
Yes, and this is the recommended approach. Each of the four intelligence engines — Accident Analysis, Damage Assessment, EAR Analysis, and PHI Analysis — operates independently. You can start with the product most relevant to your current claims challenge, validate the impact, and expand at your own pace.
Claritum is built specifically for enterprise operational realities. Outputs are structured, auditable, and designed for integration into existing claims management systems. The platform supports high-volume processing, role-based access, and consistent output standards required by large claims operations.
Claritum is built specifically for enterprise operational realities. Outputs are structured, auditable, and designed for integration into existing claims management systems. The platform supports high-volume processing, role-based access, and consistent output standards required by large claims operations.
All site copy is centrally managed from a single content file at src/content/siteContent.ts. Product data lives in src/data/products.ts, FAQs in src/data/faqs.ts, and stats in src/data/stats.ts. Any team member can update headlines, CTAs, product descriptions, or toggle sections on/off without touching component code.
All site copy is centrally managed from a single content file at src/content/siteContent.ts. Product data lives in src/data/products.ts, FAQs in src/data/faqs.ts, and stats in src/data/stats.ts. Any team member can update headlines, CTAs, product descriptions, or toggle sections on/off without touching component code.
Claritum does not rely solely on traditional rule-based fraud pattern matching. Instead, our engines surface fraud through structural inconsistency — contradiction between statements, implausible damage patterns, mismatches between policy terms and claimed events, and unsupported medical diagnoses. This produces more defensible, explainable fraud signals for SIU teams.
Claritum does not rely solely on traditional rule-based fraud pattern matching. Instead, our engines surface fraud through structural inconsistency — contradiction between statements, implausible damage patterns, mismatches between policy terms and claimed events, and unsupported medical diagnoses. This produces more defensible, explainable fraud signals for SIU teams.
Claritum delivers outputs via structured API responses, making integration with existing claims management platforms, document management systems, or workflow tools straightforward. We work with your technical team during the pilot phase to define the integration approach that best fits your existing architecture.
Claritum delivers outputs via structured API responses, making integration with existing claims management platforms, document management systems, or workflow tools straightforward. We work with your technical team during the pilot phase to define the integration approach that best fits your existing architecture.