EVIDENCE-GROUNDED INSURANCE INTELLIGENCE

Health insurance decisions backed by clause-level evidence, not assumptions.

Upload your policy schedules and hospital estimates. CLARIVO extracts verified facts, audits waiting periods and room rent traps, and simulates hypothetical out-of-pocket costs with mathematical precision.

Live Case Investigation Preview • Policy Schedule vs Hospital Estimate

2 Documents Processed

1. ORIENTATION — "What does this mean for me?"

Room Rent Sub-Limit Risk

Financial Condition

Your policy caps standard room rent at ₹5,000/day. The hospital estimate specifies a Single Deluxe Room at ₹8,500/day.

⚠️ Proportionate Deduction Warning: Selecting this room may reduce reimbursement across all associated doctor fees and nursing charges.

2. EVIDENCE — "Why should I believe this?"

VerifiedPage 7, Clause 4.2.1

"Room, Boarding & Nursing Expenses: Capped at 1% of Sum Insured per day. If insured occupies higher room category, charges payable are proportionate."

Sum Insured: ₹5,00,000Daily Limit: ₹5,000

Verification Protocol

How CLARIVO Eliminates Insurance Ambiguity

Standard AI tools summarize text with plausible-sounding hallucinations. CLARIVO uses a strict 4-step truth protocol anchored to verbatim clause citations.

Document Ingestion

Extracts structured text from policy schedules, wordings, hospital estimates, and bills with character-level offsets.

Epistemic Classification

Strictly classifies every data point: Verified Fact vs User-Stated vs System Inference vs Unknown.

Conflict Matrix

Cross-references hospital estimates against policy schedules to spot waiting period and sub-limit contradictions.

Decision Sandbox

Simulate what happens if you switch room categories or hospital tiers without altering your real policy record.

Capabilities

Engineered for Real Insurance Decision Friction

Health insurance disputes rarely happen because of bad intentions—they happen because policy conditions are buried in 40-page schedules.

1. Room Rent & Proportionate Deductions

Identifies 1% and 2% room sub-limits and calculates the exact cascading out-of-pocket impact if a higher room tier is chosen.

2. Pre-Existing Waiting Period Traps

Evaluates 24, 36, and 48-month waiting period clauses against your actual policy inception dates and medical diagnosis chronology.

3. Claim Preparation & Evidence Auditing

Constructs a checklist of mandatory hospital documents, doctor prescription notes, and diagnostic reports required before filing.

Our Integrity & Privacy Commitments

Non-Binding Decision Support

CLARIVO never pretends to guarantee insurer approval or offer formal legal advice. All conclusions provide provenance-grounded guidance.

Multi-Tenant Cryptographic RLS

Uploaded policy documents and case contexts are strictly isolated to your authenticated Supabase user profile.

Zero-Training Guarantee

Your medical estimates and private policy schedules are never used to train public foundation models.