Compliance Native NAIC HIPAA SOC 2 State Insurance Dept GDPR EU AI Act Market Conduct DORA ISO 27001
Insurance Execution Stack

Where claims decisions are
governed, not guessed.

The CAIBots Insurance execution stack automates claims adjudication, prior authorisation, underwriting triage, and fraud detection — executing directly inside your policy admin, claims, and compliance systems. Every decision governed. Every action audited. Every regulator satisfied.

NAIC and state market conduct compliant
HIPAA-native PHI handling on every execution
100% immutable audit trail
P&C · Life · Health · Specialty carriers
3hrs
Claims adjudication (vs 3–5 days)
90%
Reduction in prior auth cycle time
100%
Audit trail on every decision
40%
Fraud detection improvement
<90d
Contract to production

Active Execution Workflows

What executes inside your
insurance systems.

Not demo scenarios. Production-grade execution workflows writing directly to your policy admin, claims, and compliance systems — governed by your regulatory matrix, with a full audit trail at every step.

Claims Adjudication Agent P&C · Health · Life

When a claim is filed, CAIBots validates coverage, applies policy rules, runs fraud scoring, and executes the adjudication decision — routing above-threshold cases to a human adjudicator with a fully prepared decision package.

Trigger
Claim submitted — policy validation initiated
Cognition
Coverage verified, policy rules applied, fraud score computed, liability determined, reserve calculated
Execution
Duck Creek / Guidewire decision recorded · Reserve system updated · Payment system initiated · Claimant notified
Output
3 hours vs 3–5 day manual cycle 100% audit documentation
Prior Authorisation Agent Health · Specialty

Retrieves clinical documentation, applies payer criteria, executes the prior auth determination, and writes the decision to your claims system — with physician review gate enforced for all clinical decisions above threshold.

Trigger
PA request submitted — clinical review initiated
Cognition
Clinical documentation retrieved, payer criteria applied, medical necessity determined, peer review flagged if required
Execution
Claims system PA status updated · EMR decision documented · Provider portal notified · CMS timeframe met
Output
90% faster PA cycle HIPAA-native PHI handling
Underwriting Triage Agent P&C · Life · Specialty

Evaluates new business submissions, scores risk against underwriting guidelines, applies pricing models, and routes complex cases to senior underwriters — with a complete risk analysis package already prepared.

Trigger
New business submission received — risk evaluation initiated
Cognition
Exposure data enriched, loss history retrieved, risk score computed, pricing model applied, guideline compliance verified
Execution
Policy admin quote issued or declined · UW workbench complex cases routed · Broker portal decision delivered
Output
Same-day vs 5–10 day UW cycle Guideline-compliant every run
Insurance Fraud Detection Agent P&C · Health · Life

Screens claims in real time against fraud typologies — staged accidents, duplicate billing, identity fraud, provider fraud rings — routing suspicious claims to SIU with a fully documented evidence package.

Trigger
Claim received — fraud screening initiated automatically
Cognition
Pattern matching against fraud typologies, network analysis for provider rings, identity verification, anomaly scoring
Execution
SIU queue high-risk claims routed · Claims system hold placed · ISO reporting initiated · Compliance documented
Output
40% improvement in fraud catch rate Under 90 sec screening per claim
Insurance Agent Library

Pre-Built Insurance Execution Agents

Every agent is production-ready. Configures to your policy admin, claims, and compliance systems in under 90 days.

📋

ClaimPro

End-to-end claims adjudication. P&C, health, and life. Writes directly to Guidewire, Duck Creek, or your policy admin system.

$4,000 – $8,000 / month
🏥

PriorAuth Agent

Health insurance prior authorisation. Clinical documentation retrieval, payer criteria matching, HIPAA-native execution, CMS timeframe compliance.

$3,500 – $6,000 / month
📊

UWTriage Agent

Underwriting submission triage. Risk scoring, guideline compliance, pricing model application, complex case routing to senior UW.

$4,000 – $7,000 / month
🚨

FraudGuard

Real-time insurance fraud detection. Staged accidents, duplicate billing, provider fraud rings, identity fraud. SIU routing with evidence package.

$4,500 – $8,000 / month
📄

RegulatoryFiling Agent

State and NAIC regulatory filing automation. Market conduct reporting, financial filing, rate and form filings across all states.

$3,000 – $5,500 / month
🤝

PolicyOnboard Agent

New policyholder onboarding and KYC. Identity verification, sanctions screening, coverage confirmation, welcome sequence execution.

$2,500 – $4,500 / month
The Business Case

Measurable Insurance ROI

Every metric is based on production deployment data. Your actuals will vary by claim volume, complexity mix, and current process maturity.

18.7×
Prior Auth ROI
Based on $2.1M annual savings vs $112K deployment cost in a health insurer with 45,000 annual PA reviews.
$1.8M
Annual claims savings
Modeled at $95/hr adjudicator rate, 40% cycle time reduction on 12,000 claims per year at a mid-size P&C carrier.
40%
Fraud detection improvement
Incremental improvement over existing rule-based fraud detection on a claims portfolio with 2.1% historical fraud rate.
Start Here

Map Your Insurance
Automation Workflows

Bring your highest-volume workflows. In a 45-minute scoping call we will map your claims, prior auth, underwriting, and fraud processes to specific CAIBots agents — with a modeled ROI before the call ends.

Schedule a Scoping Call ↗ Start a Free Pilot →

contact@caibots.com · +1 (609) 721-2815 · Princeton, NJ

Compliance aligned to NAIC HIPAA State Market Conduct SOC 2 GDPR EU AI Act DORA ISO 27001