Submissions, claims and servicing that move, with every decision on record.
For insurers, takaful operators and brokers. Turn document packs and requests into checked, tracked work alongside your policy and claims systems, so underwriters and handlers spend their time on judgement, not chasing.
Your underwriters and handlers are busy. Much of it is chasing.
Anubavam helps insurers, takaful operators and brokers run the work around their core systems: underwriting submissions, claim document packs, policy servicing requests and complaints. Documents are read and checked, gaps are sent back to the right person, each case has an owner and a deadline, and every decision is recorded with the rule that applied.
- Submissions arrive incomplete.Brokers send packs by email, and underwriters spend the first day finding what is missing.
- Claims wait on documents.Handlers chase reports, invoices and photos before they can assess anything.
- Servicing requests sit in inboxes.Address changes, endorsements and cancellations wait without an owner or a target.
- Proving decisions takes time.Audit asks why a claim was paid or a risk accepted, and the answer is in email.
Four processes insurance teams often start with
Underwriting submissions
- The problem today
- Incomplete packs by email
- What changes
- Pack read and checked against what is required; gaps sent back to the broker; complete submissions to the underwriter
- What you can measure
- Time to a complete submission, rounds of follow-up
Claim document packs
- The problem today
- Documents chased by handlers
- What changes
- Checklist by claim type; documents read and checked; missing items requested
- What you can measure
- Days waiting on documents, claims ready to assess
Policy servicing requests
- The problem today
- Inbox, no target
- What changes
- Routed by type to an owner, with a target and status for the customer or broker
- What you can measure
- Requests completed on time
Complaints
- The problem today
- Many channels, deadlines tracked by hand
- What changes
- One log, owner, response target, escalation
- What you can measure
- Complaints answered on time
Example: a motor claim, ready to assess
Illustrative. A customer reports a motor claim and uploads photos, a repair estimate and a police report through a portal. Anubavam reads the documents and checks them against the checklist for that claim type: the estimate is present, but the driving licence copy is missing. The customer is asked for it automatically. When it arrives, the claim moves to a handler’s queue marked “ready to assess”. The handler makes the decision. Every document, check and decision is recorded.
Illustrative
Your policy and claims systems stay. The work around them gets faster.
- Core systems stay the record.Policy administration and claims systems are not replaced. Anubavam connects to them in stages: controlled exports, read access, then two-way where approved. See Integration.
- Documents read and checked,with uncertain items sent to a person. See Document Intelligence.
- Brokers and customers see their own cases only,through a portal.
Decisions you can explain
- People decide claims and risks.Anubavam prepares the case; underwriters and handlers decide.
- Rules as settings.Document checklists, authority limits and routing are settings. Changes are approved and versioned.
- Authority limits enforced.Cases above a handler’s or underwriter’s limit go to the next level.
- A record of every decision.Who decided, when, on which documents and under which rule version.
- Certified security.ISO/IEC 27001:2022 and ISO/IEC 27701:2019, certified by DNV. Data in your region where available. See Trust.
You remain responsible to your regulator. Anubavam gives you the controls and the evidence.
AI agents can help, for example by checking a submission pack for missing items or summarising a claim file for the handler. You decide whether each agent alerts, recommends or acts. Early Adopter. See AI and Agents.
Start with one process, on your own cases
Bring one process, such as claim document packs or broker submissions. We map how it runs today, show where it waits and run a first version measured on your own numbers: days waiting on documents, cases ready to assess, requests completed on time.
Questions from insurers.
No. They stay the record. Anubavam runs the work around them and connects to them in stages.
No. Anubavam reads and checks documents and prepares the case. Underwriters and handlers make the decisions, within their authority limits.
Yes. Brokers see their own submissions and what is missing, and upload documents directly.
Yes. The processes, rules and checklists are configured for your products, including takaful.
Yes. Checklists, authority limits and routing are settings, changed by authorised administrators and recorded.
It depends on the process and the system connections. We agree the timeline after the process assessment.