For Insurance Companies

Every claim, every
policy, reconciled.

Inverba is the document intelligence platform for insurance companies across the Balkans and EU. Surface coverage gaps, detect billing discrepancies, and answer adjuster questions in seconds - with traceable citations to source policies and claims.

1 query
Searches every policy and claim file at once
Seconds
To a cited answer across thousands of policies
100%
Of answers linked to policy clause
Policy
Adriatic Fleet – Marine Policy AF-2024
Claim · IC-2024-1147
Jovović, Ana – Claim IC-2024-1147
Policy · SI-441
Sigma Insurance Policy SI-441 Annex B

Three challenges every carrier knows.

Insurance runs on documents - policies, claims, adjuster reports, regulatory filings. Volume grew faster than tooling.

Time

Complex claims take days

Adjusters cross-reference dozens of policy versions, claim histories, and medical reports manually. Resolution cycles stretch to weeks for high-value claims.

Risk

Coverage gaps go unnoticed

The exclusion that determines liability is buried in Annex C. Discovered after a claim is paid - or worse, in litigation - it costs millions.

Regulators

Audits demand citation, not opinion

Solvency II, Serbian NBS, GDPR - every regulator wants traceable answers. General AI tools cannot provide that.

Four workflows, transformed.

01

Claims investigation

Surface every related policy, prior claim, and medical record for a single claimant - in seconds. Detect discrepancies between what was billed and what was authorised.

Billing discrepancy detection across providers and policies
Cross-history queries - prior claims, related parties, family policies
Anomaly scoring - every claim ranked for adjuster review
Claim IC-2024-1147 · Cross-reference
12 physiotherapy sessions authorised
MedCenter Beograd · Oct 2024
99%
14 sessions invoiced
€4,200 disputed · +2 vs. authorised
91%
Prior claim - Jovović, Ana · 2022
Same diagnosis · Bel Medic
87%
02

Coverage gap analysis

Ask "which fleet contracts lack flood coverage?" across thousands of policies. Get cited answers - with the exact clause that excludes the risk.

Portfolio-wide exclusion mapping in seconds
Reinsurance alignment - verify ceded vs. retained risk
Upsell opportunities - flag underprotected clients
Which Adriatic Fleet policies exclude flood damage?
Of 847 active marine policies, 312 exclude flood damage via Clause 7.2. Estimated exposure if peril unbundled: €38M.
Show the 14 highest-value at-risk clients.
Ranked by sum insured. Top 3: Marina Kotor (€4.2M), Pula Yachting (€2.8M), Split Maritime (€2.1M).
03

Fraud pattern detection

Identify suspicious patterns across claims, providers, and claimants. Inverba surfaces what manual SIU teams would miss in millions of documents.

Linked-claim detection - same VIN, same provider, same address
Inconsistency flagging across claimant statements
SIU-ready audit trail for every escalated case
Flagged for SIU review · May 2026
3 claims · same VIN · same provider
€42,800 · last 90 days
95%
Claimant statement inconsistency
Police report contradicts narrative
88%
Provider · 14 high-cost claims
Above peer median · 90 days
82%
04

Regulatory & audit preparation

When the NBS, an external auditor, or a GDPR review asks a question, the supporting documents are the slow part. Ask once - get the underwriting files, claims records, and internal policies behind any position, cited to the page.

Source retrieval - surface the documents behind any reported figure or decision
Cited answers - every response linked to the exact policy or claim file
Exportable audit trail - every query logged, tamper-evident
Which marine policies from Q1 include war-risk exclusions?
Found 62 policies with a war-risk exclusion clause. The most recent wording is in Policy M-2026-0142, clause 11.3; 9 older policies still use the 2023 wording.
Show the ones with the old wording, with sources.
Listed below - each linked to the policy document and page where the clause appears.

A complex claim, resolved.

Same claim, same documents - twice. Once before Inverba. Again with it.

Without Inverba

Phone, file, escalate.

  • Adjuster requests prior claims from records team
  • 4 days of email back-and-forth with providers
  • Policy review: 3 versions, which applied?
  • Exclusion buried in Annex C - missed first time
  • 9 days to a resolution - SLA breached
With Inverba

Ask, cite, decide.

  • All claim & policy documents indexed automatically
  • Prior claims surfaced in one query
  • Applicable policy version identified by claim date
  • Annex C exclusion cited in first response
  • 6 hours from claim opened to decision
Ready to see it on your contracts?

30 minutes,
your claims,
your verdict.

Bring three recent complex claims. We'll run Inverba on them live in a personalised demo, and you decide whether the answers - and the discrepancies - hold up.

How InVerba protects your data →     View pricing →