Insurance

Smarter Automation. Safer Risk Decisions. Superior Policyholder Experiences.

The insurance industry is evolving rapidly—driven by digital-first customers, complex risk profiles, and growing regulatory demands. Perviewsis helps insurers gain a competitive edge with intelligent decision automation, predictive and causal analytics, and real-time insight generation across the insurance lifecycle.

What Perviewsis Enables

Intelligent Underwriting Automation

Modernize underwriting by replacing static rules with adaptive decision models that blend data-driven predictions with business logic.

  • Automatically evaluate applicant risk profiles in real time
  • Incorporate external data sources (credit, medical, behavioral) 
  • Simulate premium impact, approval likelihood, and loss potential 
  • Ensure underwriter transparency and consistency with decision trails 

Fraud Detection with Causal Signals

Go beyond red flags—Perviewsis uses pattern recognition and causal inference to identify fraud scenarios early and reduce false positives.

  • Detect collusion, staged claims, and synthetic identities
  • Continuously adapt to emerging fraud typologies 
  • Prioritize high-risk cases for investigation with explainable logic 
  • Integrate fraud alerts into claims and policy workflows 

Claims Triage and Automation

Accelerate claims processing without sacrificing accuracy or oversight.

  • Automatically triage and route claims based on predicted complexity or risk
  • Flag anomalies and inconsistencies in claim submissions 
  • Integrate repair estimates, medical data, and behavioral signals 
  • Enable end-to-end digital claims handling with human-in-the-loop reviews 

Policy Lifecycle Insights

Track, analyze, and optimize the full policyholder journey.

  • Predict churn and lapse risks with behavioral modeling
  • Recommend personalized retention or upsell actions 
  • Simulate impact of pricing or benefit changes on retention and claims 
  • Understand drivers of portfolio profitability at a granular level 

Regulatory Compliance & Governance

Ensure decisions across underwriting, claims, and fraud are fully explainable, traceable, and aligned with regulatory expectations.

  • Automatically generate decision logs for audits (e.g., Solvency II, IFRS 17)
  • Monitor policy adherence to internal governance standards 
  • Centralize and version business logic for traceable updates 

Industry Challenges We Solve

  • Disconnected and manual workflows across underwriting, claims, and fraud teams
  • Rising fraud risk and difficulty in detecting subtle behavioral anomalies
  • Inability to understand root causes of policy lapses, churn, or underwriting losses
  • Pressure to meet regulatory demands with transparent, auditable processes
  • Difficulty translating data into action across siloed systems

Why Perviewsis for Insurance?

  • End-to-end decision intelligence from underwriting to claims
  • Predictive + causal models = better foresight and explainability
  • Low-code logic builder for fast rule updates across departments
  • Full audit trails, regulatory alignment, and integration with existing systems
  • Real-time alerts and automation for fraud and high-risk claims

Who We Serve

  • Life & Health Insurance Providers
  • Property & Casualty (P&C) Insurers
  • Commercial & Specialty Insurers
  • Insurtechs and Digital MGA/TPAs
  • Global and Regional Carriers

Multi-Cloud and Hybrid Ready

Monitor AI workloads wherever they run:

  • Kubernetes clusters (EKS, AKS, GKE, OpenShift)
  • On-prem GPU clusters (NVIDIA DGX, Supermicro)
  • Cloud-based AI platforms (SageMaker, Vertex AI, Azure ML)
  • Edge AI devices (Jetson, Coral, custom inference hardware)

Native integrations and agents make Perviewsis portable across environments with no vendor lock-in.

Use Case Highlights

Area

  • Life & Health
  • P&C Insurance 
  • Commercial Lines 
  • Customer Retention 
  • Audit & Compliance 

Application

Automated underwriting for new applicants Claims fraud detection and triage Dynamic pricing and risk simulation Churn prediction and intervention Policy governance automation

Outcome

Lower time-to-policy, reduce risk exposure Faster settlements, lower loss ratios Improve profitability and risk appetite alignment Higher renewal rates, lower lapse rates Transparent, audit-ready processes

Key Business Challenges We Address

Challenge

  • Legacy decision systems are static and fragmented
    Fraud is growing and increasingly complex
  • Underwriting lacks explainability and agility
  • Claims operations are slow and inconsistent
  • Regulatory environments are difficult to track and comply with

Perviewsis Solution

  • Unified decision engine with low-code orchestration
  • Causal anomaly detection & behavioral pattern recognition
  • Transparent, data-driven risk assessments & scenario modeling
  • End-to-end workflow automation with embedded AI
  • Policy-aware governance with version-controlled logic and auditability

Perviewsis Capabilities in Insurance

Predictive & Causal Risk Intelligence

Move from descriptive to prescriptive decision-making by combining ML with causal inference.

  • Predict risk scores for underwriting, claims complexity, and fraud
  • Identify why certain claims are rejected, policies lapse, or risks concentrate
  • Quantify how changes in policy pricing or benefits affect loss ratios
  • Run “what-if” simulations to test rule changes, premium adjustments, or market shifts

“What caused the spike in high-severity auto claims in Q3?”
Perviewsis traces it to a combination of claim timing patterns, regional weather data, and lax fraud rule updates.

Underwriting Decision Automation

Empower underwriters with smart assist tools or fully automated decision workflows.

 
Features:
  • Ingest structured/unstructured data: applications, claims history, external bureaus
  • Apply dynamic eligibility rules using low-code business logic
  • Run concurrent ML and rule-based evaluations
  • Trigger next-best actions or human review based on risk tier
 
Benefits:
  • Reduce underwriting time by 50–70%
  • Improve pricing accuracy with behavioral and external data
  • Ensure auditability of every approval, decline, or manual override

Real-World Use Cases

Industry

Industrial IoT
Finance
Healthcare
Retail & E-Commerce Supply Chain

Problem

High-frequency sensor drift leads to false alerts and downtime Market noise obscures true risk signals in portfolio modeling Patient monitoring data contains irrelevant spikes Clickstream data includes bots, scripts, and outlier events Inconsistent input from partners and sensors delays decisions

Perviewsis Noise Reduction Impact

Filters out ambient variability; only alerts on true threshold violations Signal-to-noise optimization improves model stability and risk forecasts Real-time denoising highlights critical vitals; reduces alarm fatigue
Filters non-human behavior and cleans traffic signals for accurate attribution Normalizes metrics across sources and flags only action-worthy deviations

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