Skip to content
    Charviam.We build. You grow.

    ClaimKavach

    An AI claims assistant that answers from the policy wording, with the clause to prove it.

    Book a ClaimKavach demoTry the live demo

    What ClaimKavach does

    Overview

    ClaimKavach is an AI insurance assistant for insurers, TPAs, and brokers in India. Its assistant, Claim Ji, answers policyholder questions only from the approved policy wording and cites the exact section for every answer. It compares plans side by side, explains what evidence a claim needs, and gives status updates, while every claim decision stays with your rule engine and licensed adjusters.

    • Policyholders get a straight answer at any hour, with the clause that backs it
    • Fewer support calls about room rent limits, deductibles, and waiting periods
    • Claims arrive with the right documents the first time
    • Every answer traceable to the wording, so nothing is promised that the policy does not say
    • Adjusters spend their time on decisions, not on repeating the policy
    See everything we build for insurance
    At a glanceEarly access
    Suite
    Industry Platforms
    Built for
    Insurers, TPAs, and insurance brokers in India
    Delivered as
    Hosted AI assistant and policy portal, configured on your wordings and supported by Charviam
    Connects with
    Your approved policy wordings, Your claims rule engine, Your adjuster and TPA workflow, PDF export for comparisons
    Talk to our team

    ClaimKavach, step by step

    How it works
    1. 01

      Load your policy wordings

      Approved wordings are indexed section by section, so every answer can point to its clause.

    2. 02

      Policyholders ask Claim Ji

      Questions about cover, limits, and claims are answered from the wording, with the section cited.

    3. 03

      Claims are guided, not decided

      Claim Ji explains the evidence needed and the status. Eligibility runs through your rule engine.

    4. 04

      People sign off

      Claims above your threshold, and anything ambiguous, go to licensed adjusters for review.

    Everything in one platform

    Platform
    Answer

    Claim Ji, the policy copilot

    Conversational answers grounded in the wording.

    • Answers only from approved policy wording
    • Exact section (§) citation on every answer
    • Each term marked as confirmed in the wording
    • Clear AI disclosure: informational, not a claim decision
    Compare

    Plans side by side

    Health and motor plans, clause by clause.

    • Sum insured, room rent, and ICU limits
    • Deductibles, co-payments, and waiting periods
    • Exclusions and claim notice deadlines
    • Export or print the comparison as a PDF
    Claim

    Guided claims and grievances

    From first question to resolution.

    • Cashless and reimbursement steps explained
    • Evidence checklist and status updates
    • Four-eyes review above your claim threshold
    • Three-level grievance path up to the Insurance Ombudsman

    Built for grounded, private answers

    Security and data

    No invented coverage

    Claim Ji answers only from approved wording and cites the clause. If the wording does not say it, neither does Claim Ji.

    People make the decisions

    Approvals and denials come from your rule engine and licensed adjusters, never from the AI.

    Medical records protected

    Uploads are quarantined, scanned, and stored encrypted with row-level security.

    Your data never trains models

    Private medical and claim data is used only for policy interpretation and claims administration.

    Questions about ClaimKavach

    FAQ

    No. Claim Ji explains cover, evidence, and status. Eligibility is evaluated by your rule engine, and claims above your threshold or needing judgment are signed off by licensed human adjusters.

    Only from your approved policy wordings. Every answer cites the section it relies on, so policyholders and your team can check it against the wording.

    The demo runs on six reference policies across health and motor: individual, family floater, and super top-up health, plus private car, goods vehicle, and auto rickshaw cover. They are sample policies, not a real insurance offer.

    Uploaded records are quarantined, scanned, and stored encrypted with row-level security. Data is used only for policy interpretation and claims administration, and is never used to train AI models.

    More in this suite

    Industry Platforms
    In production

    ArcadeX

    Know where every dollar went, close the shift in minutes, and see every store from your phone.

    • Verified player check-in
    • Cooldowns, enforced
    • Every match receipted
    Game-room and arcade operators, from 1 to 50 stores

    See ClaimKavach in action

    A walkthrough with the engineers who build and support it.

    Book a ClaimKavach demoAll products
    Start a Conversation