Run claims and policy operations on time without adding headcount

KAPTO is an AI digital workforce for insurers that executes document-driven insurance processes end-to-end. So claims stay within deadlines, costs stay under control, and compliance risk goes down.

Running at scale in production

10,000,000+ pages processed

1,000,000 emails handled

70% of manual claims tasks handled by KAPTO

Reduce processing time, cost, and compliance risk across insurance operations

Claims, policy operations, and distributor workflows often slow down between steps.
Emails, documents, and updates arrive unstructured, get manually checked, retyped into systems, and passed between teams. This is where delays, errors, and missed deadlines happen - across claims handling, underwriting approvals, and policy updates.



KAPTO removes those gaps. It reads incoming structured and unstructured documents, validates the data, and executes the next step directly in your systems.

end to end security

Reduce regulatory risk and executive exposure

Keep claims within legal deadlines and avoid personal liability risk.

KAPTO tracks and routes 100% incoming case automatically, filtering irrelevant emails, preventing inbox losses, and ensuring deadlines are consistently met. In production, 95% of communications are automatically routed with zero cases lost in manual handovers.

    Lower cost per claim

    Process claims faster so they cost less.



    KAPTO moves simple cases forward automatically and removes manual handling - so customers get paid sooner, disputes decrease, and average claim cost goes down.

    Result in production:
    • Automation of high-volume tasks across 1,000,000+ emails per year
    • Elimination of manual triage and document matching
    • FTE impact: shift work to where it matters

    FTE impact: shift work to where it matters

    Up to 97% of team focus can be shifted to high-value work.



    KAPTO takes over repetitive document work - so your teams stop retyping data and you absorb growth without increasing operational cost.

    Teams focus on:
    • complex claims
    • judicial cases
    • expert-level decisions

    Full control and auditability

    Know exactly what happened in every case.



    KAPTO logs every step - from document intake to validation and execution - creating a complete audit trail.

    Result in production:
    • full visibility across every claim
    • clear traceability for compliance and audit
    • consistent, controlled operations at scale

    Proven in real insurance operations

    Italian insurer

    Claims intake automated from email to system at scale.

    • 70% of claims opened automatically
    • 80% faster processing time
    • >95% accuracy in production

    Result: A faster, more scalable claims operation without manual inbox handling.

    Helvetia France

    Risk assessment workflows automated for faster renewals.

    • 95% of documents processed automatically
    • 80% reduction in processing time
    • Structured risk data across multiple insured locations

    Result: Faster, more consistent underwriting decisions at scale.

    Revo Insurance

    Broker statements processed automatically, with instant visibility on discrepancies.

    • 70% of documents automated
    • Immediate identification of broker inconsistencies
    • Continuous update of the management system

    Result: Faster reconciliation, fewer errors, and full control over broker-driven financial data.

    Health insurance operations

    Managing complex reimbursements and medical validation.

    Health insurance processes are fundamentally different from standard claims.

    Health insurance processes are fundamentally different from standard claims.

    • multiple policies per customer
    • reimbursement limits and combinations
    • medical documentation that must be interpreted
    • coverage rules that depend on the type of intervention

    Handling multi-policy reimbursement logic

    A single expense can be split across multiple policies.

    For example:

    • one policy covers up to a
    • fixed amount
    • another covers the remaining part

    KAPTO manages this automatically:

    • allocating amounts correctly
    • tracking coverage usage
    • ensuring accurate
    • reimbursement calculations

    Understanding medical context

    Beyond financial logic, some cases require understanding the nature of the medical intervention.
    KAPTO supports this by:

    • interpreting medical documentation
    • identifying the type of treatment or procedure
    • validating whether it is covered under the policy

    This allows insurers to handle cases that would otherwise require manual expert review.

    KAPTO AI - Cognitive tasks over any format and any channel

    Built for regulated insurance environments

    • Runs in segregated client environments, in your cloud or on your machines, with full support for GDPR, the EU AI Act and internal security policies so you can automate insurance document processing safely.

    • Your existing APIs and integration layer connect around core policy and claim systems as an insurance BPO alternative, so no risky core changes are needed.

    • Integrates with major email, document and workflow platforms to read shared mailboxes, repositories and queues, then send back clean data and actions that reduce manual entry in insurance back office work.

    • Logs every field, rule and decision for each case, so architecture, security and audit teams see a complete, queryable trail at scale across FNOL automation and other automated claims processing solutions.

    Get fresh insurance insights

    BLOG ARTICLES

    Scaling AI from pilot to production is where most projects fail.
You need a partner you can trust, someone who understands real operational constraints, not just the technology.
We tested multiple providers, but what made the difference with KAPTO was seeing real results early and knowing they could support us in production.

    Alexis Cordero

    Technology, IOT & AI Solutions Leader Helvetia France

    Frequently
    Asked
    Questions

    Straight answers to how KAPTO fits your systems, cuts cycle time and stays compliant in a regulated insurance environment

    What problems does KAPTO actually solve for insurers?
    How does KAPTO help with claim and policy cycle time?
    How is KAPTO different from generic LLM tools or chatbot pilots?
    Is KAPTO compliant and safe for a regulated insurer?
    What happens when regulations or our internal policies change?
    Do I need to change my core claim or policy systems to use KAPTO?
    How does KAPTO fit into our existing IT and security architecture?
    How do you charge and how do we get started?
    How quickly can we see value and how much internal effort is needed?
    Can we start small and expand later?

    Faster claims. Lower risk.
    More capacity - without increasing cost.

    70% automated claim openings

    90% document matching

    95% routing accuracy

    100% automated spam filtering

    Add real capacity to your operations

    Let AI handle the repetitive document work, so your team can focus on customers, decisions, and growth.

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