AICONIC Claims

AICONIC Claims represents a next generation motor claims journey built on an intelligence first ecosystem governed by Tatva and orchestrated through BRAIN rules, streamlining every stage of claims management. Designed exclusively for surveyors, the mobile application simplifies and elevates the end to end claims process by centralizing data collection, assessment, validation, and submission. AI enabled insights ensure speed, accuracy, compliance, and reliability from first inspection to final settlement. AICONIC (AI based Claims Operations & Neural Intelligence Core) is an agentic, flow driven claims platform that executes the complete claim lifecycle as a governed state machine. Each stage is powered by Tatva’s business rules engine (523 rules and 97+ hard block gates), an intelligent auto‑assignment engine, and advanced AI/ML services for inspection, reconciliation, pattern detection, and fraud scoring. Low risk claims move straight through deterministically, while ambiguous, high value, or high risk cases escalate to a human‑in‑the‑loop (HITL) with full context and suggested actions. Every automated decision is logged with inputs, rule versions, model confidence parameters and override trails to meet IRDAI and internal audit requirements. This powerful tool equips surveyors to manage every aspect of claims efficiently through dedicated modules covering all critical process checkpoints. Key Features of AICONIC Claims: A. Insured Details – Capture comprehensive policyholder information with DPDP compliant masking and secure handling of sensitive identifiers. B. Survey Details – Record complete survey data with system‑driven intelligence validations ensuring robust claim assessment. C. DL & RC Details – Manage driving license and registration details through VAHAN integrations enabling seamless verification. D. Point of Impact – Identify and document damaged vehicle areas using AI‑enabled camera guidance. E. Invoice Details – Process loss and expense invoices using OCR and automated detail extraction. F. Document Upload – Upload and auto fetch document information through advanced capture and recognition tools. Computation Summary – Automated intelligence verifies part and labour rates, evaluates liability, and compiles a complete computation summary. G. CP Loss & Expense – Calculate final claim amount and surveyor expenses for seamless payment processing. H. Claim Tracker – Track real‑time status and movement of claims throughout the lifecycle. I. AI Assessment – Utilize AI models to evaluate damage photos and recommended values. J. OEM Estimation – Handle specialized OEM estimates with precision and structured validation. K. Camera/Storage Permissions – Required for capturing and storing survey and inspection images. L. Location Permissions – Needed for timestamp and geolocation watermarks ensuring authenticity. With AICONIC Claims, surveyors can work with higher productivity while reducing manual effort and ensuring precise documentation at every step. The platform enhances efficiency, TAT, compliance, and decision accuracy, delivering reliable outcomes with a modern, intelligent claims experience. AICONIC Claims transforms conventional claim handling into a governed, AI‑powered, audit ready ecosystem. Seamless integrations, automated validations, and transparent decision logs create a future‑ready platform that elevates customer experience and operational excellence.