AI That Verifies Every Claims Decision Against Your Standards
ClaimOS encodes your policy logic, validates decisions against your specific terms, and proves it with an immutable audit trail. Verified decisions in minutes, with the proof to back them up.
Trusted by these innovative companies
Unverified AI Decisions Are Your Biggest Liability
Speed without verification creates more problems than it solves
AI adjudications with no proof they match your policy terms
Claims leakage from decisions no one can explain or audit
Regulatory exposure from AI decisions without audit trails
No way to know when the AI gets it wrong until an appeal lands
Features
How ClaimOS Protects Every Decision
The verification layer between AI and your claims book.
Cross-Checked Before It Counts
Every determination is independently verified before it reaches your claims book. If the analysis doesn't hold up under scrutiny, it doesn't go through. Fewer wrong decisions. Fewer appeals. Less leakage.
Your Standards, Encoded
ClaimOS maps every claim to the specific policy version, benefit schedule, and exclusion list active on the date of loss. Not generic AI. Your adjudication logic.
Knows When to Ask a Human
When the AI isn't certain, it says so. Claims below your confidence threshold route to human review automatically. The system knows when not to trust itself.
Regulatory-Grade Audit Trail
An immutable, tamper-evident record of every decision, every input, every intermediate step. Searchable, GDPR-compliant, and built for regulators and appeals boards. Respond to audits and appeals in minutes, not weeks.
Model-Agnostic, Future-Proof
Swap the underlying AI model and capabilities improve. Your verification standards, policy integrations, and compliance rules persist. No vendor lock-in. You own the judgment layer.
We know what's at stake when a claims decision is wrong
Appeals that consume your team. Regulators asking questions you can't answer. Leakage that erodes your book quietly. We've lived these problems inside insurance operations, and built ClaimOS to solve them.
Insurance-Native Engineering
ClaimOS is built on deep knowledge of policy resolution, benefit schedules, and claims workflows. Not generic AI applied to insurance as an afterthought.
Trusted in Production
ClaimOS runs live adjudication for health, pet, and property insurers across multiple jurisdictions. Every tenant gets isolated workflows tuned to their specific products.
3 Steps to Verified Claims Adjudication
From your policy logic to production-grade AI decisions.
Share Your Adjudication Standards
Walk us through your policy structures, verification requirements, and compliance needs.
Describe Your Rules, We Build the Workflow
Tell ClaimOS how you adjudicate in plain language. Our AI agent turns your policy terms, escalation rules, and fraud patterns into a production-ready workflow. No configuration files. Just a conversation.
See Verified Decisions on Real Claims
Run a pilot on your actual claims data. Compare against your adjusters. See the accuracy before you commit.
Any AI can read a claim. Only ClaimOS verifies the decision is right.
A large language model can extract data from a document and suggest a determination. But who verifies that determination matches your policy version active on the date of loss? Who catches the fraud patterns specific to your book? Who produces the audit trail your regulator requires? That's what ClaimOS does, and that's what a generic AI model never will.
What Our Clients Say
Hear from those who have partnered with us.
"The difference is night and day. What used to be our biggest bottleneck is now our smoothest process. Our customers actually thank us for how quickly we handle their claims now."
Head of Operations
IPMI Health Insurance Provider
"Claims leakage was hurting us, and we didn't even realize how bad it was. ClaimOS exposed the gaps and plugged them. Now we're capturing value we were leaving on the table."
Chief Operating Officer
Pet Insurance Company
"I was skeptical about another system integration, but Wave Claims made it painless. Their on-premise deployment addressed all our security concerns, and the team actually understood our workflows."
IT Director
Electronic Property Insurance Specialist
FAQ'S
Frequently Asked Questions
See Verified Adjudication in Action
Walk through ClaimOS with our team. Bring your hardest claims.
Request a Demo
Contact Information
Phone
+49 221 273 21 - 753
Location
Cologne, Germany
What you'll see:
- • How ClaimOS maps claims to your specific policy terms
- • Multi-model consensus verification in action
- • The audit trail for a real adjudication decision
- • Accuracy benchmarks from live deployments
Verified Decisions or Unverified Risk
Every unverified AI adjudication is a liability waiting to surface. Every verified one is proof your standards are being enforced at scale.
With ClaimOS
Every claims decision verified against your policy terms, with an immutable audit trail proving exactly how it was reached.
Without Verification
Unverified AI decisions, unexplainable outcomes, regulatory exposure, and claims leakage you can't trace.