🚀 Early Access · Building with India's Top Insurers

Document Intelligence for
Insurance Professionals

Domain-specific AI that turns discharge summaries, repair estimates, and claim forms into validated, fraud-checked decisions in minutes, not days.

Every insurance workflow, automated
Discharge Summary Motor Claim FIR Health Claim Form Repair Estimate Hospital Bill Pharmacy Receipt Policy Validation Fraud Detection IRDAI Compliance Cashless Authorization Surveyor Report Death Certificate Lab Report Claims Adjudication Discharge Summary Motor Claim FIR Health Claim Form Repair Estimate Hospital Bill Pharmacy Receipt Policy Validation Fraud Detection IRDAI Compliance Cashless Authorization Surveyor Report Death Certificate Lab Report Claims Adjudication

Trusted by insurance professionals

IRDAI Compliant
Vision AI Powered
End-to-End Encrypted
Data Stays in India
The Bottleneck

Every claim is stuck waiting
for someone to read it

While AI writes code, creates art, and drives cars your claims team is still manually reading discharge summaries. That's the gap we're closing.

Weeks of Waiting

Claim filed? Now wait 2-3 weeks for surveyors, document verification, and approvals. Meanwhile, your car sits at the garage.

Endless Touchpoints

Surveyor visits the garage. TPA calls for missing documents. Insurer asks for more photos. Every step is another delay.

Lost in Paperwork

Discharge summaries, police FIRs, repair estimates, original bills... one missing document and you're back to square one.

₹8,000 Cr Lost to Fraud

Forged documents, inflated bills, phantom claims — manual review can't catch what AI can see in seconds.

How It Works

Upload. Extract. Decide.

From claim intake to fraud-checked adjudication. One API, every document type, every insurer's workflow.

Ingest

Any claim document

Discharge summaries, FIRs, repair estimates, hospital bills, pharmacy receipts, lab reports. Any format: PDF, scan, photo, fax.

PDF Scan Photo Hindi English Handwritten

Extract & Validate

AI-powered intelligence

AI Vision models extract every field. Triple validation cross-checks multiple AI models and structural patterns. Flags fraud and anomalies.

AI Reader Vision AI Triple Validation Fraud Flags

Decide

Structured claim decisions

Auto-approve clean claims, flag anomalies for review, reject policy violations. Full audit trail, IRDAI-compliant reports, API export to your core system.

Auto-Approve Flag Review Audit Trail API Export
krama.ai/claims/pipeline
Claim Document
AI Engine
Validate + Fraud Check
Claim Decision
Claim Types

Every claim type, every document

From motor accidents to hospital cashless, we process every claim document Indian insurers handle.

Motor Claims

Accident reports, FIRs, repair estimates, surveyor reports, and garage invoices.

FIR Repair Estimate Survey Report Invoice

Health Claims

Discharge summaries, hospital bills, pharmacy receipts, lab reports, and pre-auth forms.

Discharge Summary Hospital Bill Lab Report Rx Receipt

Life Claims

Death certificates, nominee forms, policy documents, and investigation reports.

Death Certificate Nominee Form Policy Doc KYC

Group / Hospital

Cashless authorization, pre-auth requests, group policy claims, and TPA reconciliation.

Cashless Auth Pre-Auth Group Policy TPA Recon
Platform

Everything you need to automate claims

One platform to ingest, extract, validate, and decide. Purpose-built for Indian insurance.

Vision AI Extraction

AI Vision reads printed text, handwriting, stamps, and signatures from any Indian document format.

Triple Validation

Cross-verify multiple AI models and structural patterns. Weighted scoring catches errors that single-model approaches miss.

Fraud Detection

Flag inflated bills, forged summaries, phantom claims, and hospital-agent collusion patterns automatically.

Policy Rule Engine

Validate claims against policy limits, waiting periods, sub-limits, co-pay rules, and network hospital lists.

Vernacular Support

Hindi, Marathi, Tamil, Telugu, Bengali. Read documents in any Indian language, including mixed-language handwriting.

API-First

REST API integrates with any core system: Genins, ClaimPro, or custom. Webhook events, batch processing, and real-time results.

McKinsey Validated

The data says it all

McKinsey's July 2025 report confirms: AI in insurance claims is not a question of if, but when.

"Insurers that merely dabble in AI risk being left in the dust, unable to keep up with their AI-native peers."
McKinsey & Company, "The State of AI in Insurance", July 2025

The report describes exactly what Krama builds: "An intake agent would ingest information and seamlessly extract data from complex documents such as medical records or engineering reports."

$82M
Saved by Aviva in ONE year from AI claims processing
23 days
Cut from liability assessment time
65%
Fewer customer complaints
6.1×
Shareholder returns for AI leaders vs laggards
Enterprise Security

Insurance-grade security

Your claims data stays yours. Built for IRDAI compliance from day one.

IRDAI Data Residency
End-to-End Encryption
No Training on Your Data
Complete Audit Trails
Get Started

Ready to automate your
claims processing?

Stop paying 4.5 days per claim for manual document processing. Get a personalized walkthrough of how Krama AI can transform your claims operations.

  • 30-minute personalized demo
  • Test with your own claim documents
  • See extraction accuracy on Indian formats
  • No commitment, no credit card required

Get Early Access

We're onboarding our first partners — be one of them.

You're on the list! 🎉

We're excited to have you. Expect a personal email from our founder within 24 hours to set up your early access.