Claritum.AI
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Claim Intelligence Infrastructure

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.

≤5 min decision support4 core AI productsEnterprise-readyFraud-aware outputs
Claim Intelligence Output
LIVE
Claim ID · CL-2024-00847
Analysis Time
4.2s
Confidence
94%
Liability
Party A
Risk Score
LOW
Accident Analysis
Damage Assessment
EAR Validation
PHI Review
Decision Output
Liability confirmed — Party A at fault
Estimated cost: €2,840 · No fraud indicators
Speed
≤5 min
Accuracy
94%
4
Core Products
≤5
Min Processing
95%
Cost Reduction
Pilot
Ready Now
The Claims Reality

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.

$80B+

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.

The Transformation

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.

Traditional Process
  • 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
Claritum AI
  • ≤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
The Process

How Claritum Works

Five structured steps. One coherent output. From raw evidence to decision-ready intelligence in minutes.

01

Upload Documents

Submit claim documents, accident reports, photos, medical records, or policy files through the API or secure interface.

02

AI Parses & Structures

The intelligence layer extracts, normalizes, and categorizes every piece of relevant claim data automatically.

03

Engines Analyze Evidence

Specialized AI engines apply domain logic — forensic, medical, legal, financial — to interpret the structured inputs.

04

Decision Logic Generated

Liability reasoning, cost estimates, fraud signals, and payment recommendations are generated with supporting rationale.

05

Structured Report Delivered

A complete, insurer-ready intelligence report is returned — ready for claim handler review, audit, or system integration.

The Platform

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.

What happened

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
Learn More
How much should be paid

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
Learn More
Who is responsible

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
Learn More
Should it be paid at all

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
Learn More
Fraud & Risk Intelligence

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.

Contradiction Detection
Surfaces internal inconsistencies across statements, reports, and timelines.
Document Inconsistency
Identifies mismatches between submitted documents and expected claim logic.
Statement Manipulation
Flags implausible or coached language patterns in witness and claimant submissions.
Policy Mismatch
Cross-references claim events against policy terms to detect unsupported coverage requests.
Unsupported Payouts
Identifies damage or medical claims that lack sufficient evidentiary basis.
SIU Risk Visibility
Delivers structured risk scores and flags to support SIU triage and investigation workflows.
Risk Intelligence Output
Refer to SIU for investigation
RISK
87
Risk ScoreHIGH RISK
Active Flags
Timeline Inconsistency
critical
Statement Contradiction
high
Damage Pattern Mismatch
high
Policy Coverage Gap
medium
Financial Impact

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.

0%
Cost Reduction

Per-decision cost drops from €300 to under €5 with Claritum AI.

0%
Faster Processing

Structured reports delivered in minutes, not hours.

€1,500+
Savings Per Claim

Potential direct savings per claim through better decisions and reduced leakage.

€5
Per Decision

From €300+ traditional expert cost to a low fixed AI-assisted rate.

Cost per claim decision
Traditional Expert Review
€300+
per claim decision
Claritum AI
≤€5
per claim decision
Up to 98% cost reduction
About Claritum AI

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.

View Platform
Enterprise-Grade Security
Real Customers
Continuous Development
Audit-Ready Outputs
The Team

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

Insurance & Claims Experts
AI & Data Scientists
Legal & Compliance Specialists
Investor-Backed

Deployed across finance, healthcare, logistics, and enterprise automation.

Investor-Backed

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.

Organisation

Structured Team. Proven Processes.

Team Composition

AI/ML Engineers
Software Architects
Insurance & Legal Experts
Security & Compliance Specialists

Operational Processes

Continuous Testing Pipelines
Structured Release Cycles
Auditability & Traceability
Redundancy & Contingency Planning
Development

Continuously Improving. Constantly Evolving.

01

Model Refinement

Iterative updates to core AI reasoning layers

02

Real Case Feedback Loops

Production data integrated into model training

03

Module Expansion

New intelligence engines added on a structured roadmap

04

Performance Optimization

Speed, accuracy, and reliability improvements

Security

Security is Built Into the Core

Zero-Trust Architecture
End-to-End Encryption
Strict Data Isolation
Role-Based Access Control
Full Audit Logs

Start Making Faster, Safer Decisions Today

Get Started

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.

Defined scope and timeline from day one
Measurable KPIs agreed upfront
Dedicated implementation support
Results-first, no long-term lock-in
Questions

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.

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