Claims
ServicesReportingTrust CentreTalk to our claims team
The problem

The industry still runs on the batch bordereau.

Most capacity providers still wait weeks for a spreadsheet that’s already out of date.

Before Onsi

Messy, late and untrustworthy

bdx_final_v7_FIXED.xlsxclaims_sept.pdfresubmission (2).csv
  • Monthly batch files
  • Late and missed lines
  • Reserves that don’t reconcile
  • Endless re-keying
With Onsi

Real-time, configurable, accurate

Open claims1,284
Paid to date£4.12m
Reserve movement+0.8%
Updated 4 seconds ago
  • Live, any time you ask
  • Every line validated
  • Configured to your schema
  • One source of truth
The Onsi platform

AI across the claims lifecycle. Experts in the loop.

AI handles the admin, so our team can focus on judgement.

  1. 01Intake
  2. 02Assessment
  3. 03Decision
  4. 04Reporting
01Onsi Capture

Intake & FNOL: Clean, accurate ingestion every time.

Any format, any language. Capture reads, translates and structures every claim — and screens for fraud before a handler opens it.

How the AI helps
  • Multi-language
  • Document extraction
  • Early fraud screening

Handlers confirm anything uncertain.

Description du sinistre · FR

Bonjour,

Je m’appelle Laurent Dubois. J’ai eu un accident de vélo le 12 septembre et je dois consulter un cardiologue la semaine prochaine. La facture s’élève à 185,00 €.

Merci de me rembourser rapidement.

Cordialement,
Laurent

Extracted & translated · EN
ClaimantLaurent Dubois
IncidentCycling accident
Date12 Sep 2026
TreatmentCardiology consult
Amount€185.00
Fraud screenClear
02Onsi Assess

Assessment: AI never misses a thing.

Every claim checked in depth against policy, history and portfolio — not just a sample.

How the AI helps
  • Fraud detection
  • Leakage checks
  • Duplicate matching

Every flag is explained.

Claim CLM-20933 · 3 checks flagged
DuplicateMatches invoice on CLM-19877 (same provider, date, amount)
LeakageBilled £420 above policy schedule for this procedure
Fraud signalProvider linked to 4 recent high-value claims
CoverageTreatment within policy dates and benefit
03Onsi Decide

Decision: Faster, better-supported decisions.

Evidence, rules and a recommended next step in one place. People make the call.

How the AI helps
  • Pattern recognition
  • Reserving
  • Next best action

Always within your delegated authority.

Recommended next step
Approve £2,460 · decline £420 excessWithin your £5,000 delegated authority
Suggested reserve£2,460
Similar claims212
ConfidenceHigh
Handler approvesRefer to senior
04Onsi Vision

Reporting & oversight: See it all, in real time.

Everything flows into the live bordereau, giving underwriters real-time insight.

How the AI helps
  • Live bordereau
  • Loss-ratio insight
  • SLA oversight

Your reporting, your schema.

Portfolio overview · live
Loss ratio61.2%
Avg. cost£412
SLA met97%
This weekPrior weeksClaims notified per week · configurable by product, market and cover
Industries we cover

Experience across accident, health and more.

Accident & Health claims, configured around your policies.

Personal Accident

Injury and incapacity claims for employees, groups and the self-employed.

Travel

Cancellation, delay, baggage and medical cover.

Income Protection

Assessment and ongoing claims for individual and group cover.

Health & Medical

Dental, hospital cash, surgical, cancer and more.

Pet

Vet fees, illness, injury and ongoing conditions.

How we work

Bespoke service. International scale.

Bespoke to your programme

Workflows, authority and reporting built around your products.

Scales internationally

40+ markets, many languages. Launch anywhere without a new claims team.

Best-in-class claimant experience

Fast, clear support from first notice to settlement.

1.7M+Policyholders
40+Global markets
<15 minFNOL triage
99.4%AI OCR accuracy
Security & trust

Built for regulated industries.

Certified controls, encryption everywhere and audited access.

Visit our Trust Centre
  • ISO 27001 certifiedIndependently audited information security management.
  • Cyber Essentials certifiedUK government-backed baseline security controls.
  • Encrypted in transit and at restClaimant and policy data protected end to end.
  • GDPR-aligned data protectionPrivacy by design across the UK and EU.
  • Access controlled and auditedLeast-privilege access, reviewed regularly, every action logged.