AI Claims Assistant for Insurers

The AI Claims Assistant guides a claimant from first contact all the way to a verified payment in a single, plain-language conversation. AI agents handle the repetitive work - identity verification, policy and document validation, claim construction, registration, and calculation, while a human approves every decision that moves money. The policy record is the single source of truth at every step. Built for insurers and the InsureMO ecosystem. The solution sits on top of your InsureMO claims platform and connects through an adapter, so the same AI reasoning layer can serve different claims backends. Customers reach it through a web portal or simply by sending an email - no app to install and no forms to learn. What it does for you Faster payouts - a straightforward claim can complete in minutes, in one session, instead of days of back-and-forth. Lower adjuster workload - identity checks, policy lookup, document review, and claim capture are automated so staff focus on judgement. Consistent, controlled decisions - policy rules and coverage limits are applied the same way every time. Human approval before payment - the exact settlement amount and payment details are shown for explicit confirmation before any funds move. Built-in accuracy and fraud controls - dual identity verification (email and policyholder name) and, where relevant, independent third-party data checks such as flight-delay confirmation for travel claims. Multi-document intelligence - uploaded and emailed documents are read and scored for relevance automatically. Audit-ready by design - every AI decision and conversation is recorded for explainability and review. Built on Microsoft Azure - Microsoft Agent Framework orchestrates the multi-agent workflow, Azure OpenAI provides the reasoning, and the solution runs on Azure Container Apps with Azure Key Vault, Azure Cosmos DB, Azure Blob Storage, and Azure Application Insights for state, storage, and observability. Microsoft Power Automate powers the email entry channel. Who it is for - life, health, and general insurers, and the InsureMO customer base, looking to modernise claims intake and settlement with AI while keeping human oversight of every financial decision. Relevant across travel, motor and general insurance, and long-term-care and life claims.