Agentic AI for Indian general insurers.
Motor, property, travel, marine. Most general-insurance claim flows in India still run on rule engines plus rooms of adjusters. Vihaya layers an audited, multimodal agent on top — photo evidence, policy wordings, repair-cost matrices, fraud patterns — and routes the hard cases to your existing adjusters.
Workflows we automate
Motor claim triage
Photo + estimate + policy + repair-cost matrix → approve / refer / investigate. Settlement amount cited from the matrix.
Property claim assessment
Cross-document reconciliation of survey report, photos, and policy. Output a cited adjustment recommendation.
Travel claim adjudication
Read the medical / loss documentation against the policy schedule. Multilingual, since claims arrive from international travel.
Fraud / abuse flagging
Pattern-based detection across claim history, with cited rationale and routing to fraud-investigation.
General insurance FAQ
Can Vihaya read motor-claim photo evidence?
Yes. The agent uses multimodal foundation models (gpt-4o, Gemini 2.5) to read uploaded photos of vehicle damage, parse the damage pattern, cross-reference with the insurer's repair-cost matrix, and propose a settlement amount. The photo, the matrix, and the proposed amount are all cited in the decision row.
Does this cover the IRDAI fraud-management framework?
Vihaya's fraud-flag primitive aligns with IRDAI's Fraud Monitoring Framework — every flag carries the pattern it triggered on, the prior cases that informed it, and the policy or scheme rule referenced. The flag routes to your fraud-investigation team, never auto-rejects.
How does cashless motor claim work with Vihaya?
The same shape as cashless health: the workshop submits the estimate, the agent decides against the policy and the repair-cost matrix, and the outbound adapter writes the authorisation back to the workshop's portal in real time.
What about parametric and weather-indexed products?
Parametric products (weather, flight delay) are a strong fit because the decision is essentially a data lookup against the policy trigger. Vihaya makes the audit chain on those decisions cleaner — every payout cites the data source (IMD, FlightAware, etc.) and the policy trigger that fired.
Want to see this in your environment?
30-minute discovery call. Draft SOW within 5 business days.
Talk to us about a pilot →