Xobriq Insurance
Companies In today’s insurance landscape, data is no longer just a by-product — it is the most valuable asset. When harnessed with advanced AI, it becomes the engine for dramatic improvements in profitability, customer trust, risk accuracy, and operational speed. At Xobriq, we help insurance companies transform raw, fragmented data into intelligent, real-time decision-making. Our AI-native platform turns terabytes of structured and unstructured data — claims notes, hospital bills, satellite imagery, mobile money transactions, social signals, telematics, wearables, and more — into actionable insights that drive measurable business outcomes.
We don’t just detect fraud or automate claims. We rebuild the entire insurance value chain around data and AI, delivering:
FraudShield™ Enterprise – graph ML for fraud rings across claims, policies, providers, agents; computer vision + OCR on handwritten bills/repair estimates; gen AI synthetic fraud simulation for daily model retraining; agentic investigation bots that auto-gather evidence, interview claimants via chat, and draft SARs; federated learning across carriers for shared threat intelligence without data sharing
Fraud down 68 % · $420 M total prevented · false positives <0.4 % · investigation time 21 days → <4 hours · recovery rate up 41 %
ClaimsFlow™ STP – 99.4 % auto-adjudication in <30 sec; NLP + computer vision on scanned/handwritten documents; gen AI claim summary + multilingual customer explanation letters; agentic bots handle 96 % exceptions (e.g., auto-negotiate with providers); predictive length-of-stay for hospital claims; integrated fraud scoring at every step
Touchless ratio 88 % · cycle time 21 days → <24 hrs · NPS +41 points · medical loss ratio improved 11 points · customer complaints down 52 %
UnderwriteAI™ – satellite, mobile money, social, psychometric, utility, and wearable data ingestion; gen AI policy drafting + dynamic pricing; thin-file/no-file scoring in <2 sec; continuous learning from claims outcomes; bias-mitigated models with explainability dashboards
Premium volume +41 % · loss ratio improved 12–18 points · motor acceptance +38 % without added risk · new customer acquisition cost down 34 %
LapseGuard™ – daily lapse prediction (95 % accuracy using 120+ signals); gen AI personalised SMS/WhatsApp/voice/in-app campaigns in 18 languages/dialects; agentic bots negotiate payment plans, reschedule premiums, and escalate only 3 % to humans
Renewal rate 67 % → 93 % · 420,000 policies saved · revenue loss down $84 M annually · customer effort score improved 46 %
Customer360™ – real-time single view across claims, policy, contact centre, social, wearables, telematics; agentic next-best-action updated every 5 min; gen AI conversation scripting for agents/call-centre bots; multimodal sentiment analysis
Cross-sell conversion +44 % · churn −31 % · policies per customer 1.8 → 3.4 · lifetime value increase 28 %
Pre-Auth AI + line-by-line bill auditing with computer vision + predictive length-of-stay modelling; gen AI provider negotiation + alternative care recommendations; real-time duplicate detection
Bill inflation down 38 % · pre-auth time 48 hrs → <3 min · medical loss ratio −11 points · provider disputes down 62 %
Gen AI + 5,000-scenario Monte Carlo simulations daily; agentic treaty placement engine negotiates within risk appetite; predictive catastrophe modelling with climate data integration
Reinsurance cost −22 % · capital freed $180 M for one client · solvency margin improved 18 %
Auto-SAR filing + real-time Solvency II / IFRS-17 / local regime reporting; gen AI narrative reports in regulator format; agentic audit trail + change-impact simulation for new regulations
100 % on-time filing · compliance staff hours −58 % · audit findings down 94 % · zero regulatory fines in portfolio
USSD/WhatsApp enrolment + satellite underwriting + instant mobile-money payouts; offline claims via photo upload + store-and-forward; bundled parametric covers (crop, health, funeral)
4.2 million Kenyan farmers insured · claims paid in <90 sec · default rate −31 % · inclusion reach up 380 % in rural areas
API-first parametric triggers (weather index, satellite crop failure, flight delay, livestock mortality); instant payouts + white-label partner portal for telcos, retailers, ride-hailing
1.8 million embedded policies sold via partners · payout time <3 minutes · new revenue streams +$68 M for one ecosystem
Every engagement starts with a 60-day fixed-price pilot on your live data. You see exact fraud savings, claims speed, premium growth, or loss ratio improvement before any larger commitment. If we miss the agreed KPI at any stage, the remaining balance is free. We have never paid that clause.
Email: insurance@xobriq.com
Book 15-min discovery call → calendly.com/xobriq-insurance
Xobriq Insurance
We don’t just digitise insurance — we make it dramatically more profitable, inclusive, and
future-proof.