Ocriva for Insurance
Accelerate claims processing and underwriting with AI OCR designed for OIC standards and PDPA compliance
Insurance businesses handle enormous volumes of documents every day — from claim forms that must be manually keyed in, to policies of various types that require data verification before underwriting. Ocriva is an AI OCR platform built specifically to address the security, PDPA compliance, and audit trail requirements of the insurance industry.
Pain Points in the Insurance Industry
- Massive claim form volumes — The claims team must key in data from paper forms or PDFs into the system one by one, causing claim processing delays, customer dissatisfaction, and a growing backlog during peak seasons.
- Multiple policy types — Life, motor, health, and fire insurance each have different document formats and fields, making it difficult to standardize the OCR process with generic tools.
- KYC and new customer onboarding documents — Copies of national ID cards, house registration certificates, medical certificates, and financial statements must be re-entered for every customer, even though nearly every field repeats the same information.
- Slow underwriting — Application data that is not yet structured forces actuaries and underwriters to spend time locating information before they can analyze risk, rather than analyzing immediately.
- Difficult fraud detection — When claim data remains in paper or unstructured PDF form, cross-checking for anomalies or duplicate claims is slow and unreliable.
- PDPA compliance risk — Insurance documents contain sensitive personal data such as health information, income details, and financial history, which must be handled in compliance with Thailand's Personal Data Protection Act (PDPA) B.E. 2562 and OIC (Office of Insurance Commission) regulations.
How Ocriva Solves These Problems
For Life and Health Insurance
Create templates by policy type once and reuse them across every policy:
| Field | Validation Example |
|---|---|
| Policy number | Company pattern format, e.g., LIF-YYYYMMDD-XXXX |
| Insured person name | Text field, required |
| Coverage type | Enum: Life / Health / Accident / Critical Illness |
| Sum insured | Numeric, 2 decimal places |
| Coverage start date | Date validation |
| Policy expiry date | Date validation, must be after start date |
| Annual / monthly premium | Numeric, validated against sum insured and coverage type |
AI extracts every field and automatically flags values that fail validation — reducing errors before data enters the core insurance system.
For Non-Life Insurance (Motor / Fire / Property)
- Batch upload of claim forms — Upload dozens of claim forms per batch. The OCR system simultaneously extracts insured party details, policy number, date of incident, claim type, and damage value from every form.
- Webhook to claims management system — Once OCR is complete, the system immediately pushes structured data to the claims management system, reducing human error touchpoints and accelerating claim SLAs.
- Reduce claim processing time from days to hours — Automation from form receipt through to system data entry lets the claims team focus on decisions, not data entry.
For Underwriting and Actuarial Teams
- Structured data ready for immediate analysis — Insurance applications and supporting documents processed through OCR become structured data that underwriters can import directly into risk analysis systems — no waiting for manual entry.
- Automated cross-checking — Connect Ocriva to core systems via REST API to compare new claim data against existing records, enabling faster identification of anomalous claims.
- Export to actuarial systems — Export as CSV or JSON to connect directly with actuarial software or your organization's data warehouse.
For Agents and Brokers
- KYC template for new policyholders — Extract name, national ID number, date of birth, and address from KYC document copies in batch, significantly reducing onboarding time.
- LINE Integration — Let customers photograph their national ID card or claim form and send it directly via LINE. Data flows into the system automatically — agents no longer need to arrange document collection appointments.
- Multi-project — Separate projects by branch, team, or policy type, with granular access control for each dataset.
Security & Compliance for Insurance
The insurance industry operates under the supervision of the Office of Insurance Commission (OIC) and must comply with the Personal Data Protection Act. Ocriva is designed to directly address these requirements.
| Feature | Details |
|---|---|
| File Retention | Configure document retention periods in line with OIC requirements — e.g., 5–10 years for policies and claim records — with automatic deletion on expiry, no manual management required. |
| PDPA Ready | Automatically delete sensitive personal data (health information, income details) according to defined policies, supporting the right to erasure under Thailand's Personal Data Protection Act B.E. 2562. |
| Audit Trail | Every system action has a complete log: who uploaded a document, when, and what the result was. The system uses a soft-delete pattern — no actual data deletion — to preserve audit log integrity for OIC inspections. |
| HMAC-SHA256 Webhook Signing | Every webhook payload carries a digital signature, verifiable proof that claim data transmitted to downstream systems has not been modified or tampered with in transit. |
| API Token Security | Supports IP whitelisting, token expiration, and granular permissions — define precisely which tokens can access which data types. |
| Role-Based Access Control | Three permission levels: Owner, Admin, Member — clearly separate access to claims, underwriting, and KYC data according to your organizational structure. |
ROI Calculation
Assuming an insurer receives 800 claim forms per month:
| Before Ocriva | After Ocriva | |
|---|---|---|
| Time per form | ~5 minutes (key-in + verification) | ~30 seconds (upload + review) |
| Total time / month | 66.7 hours (≈ 8 working days) | 6.7 hours |
| Time saved | — | ~60 hours/month |
| Claim SLA | Frequently delayed | Fast, improved customer satisfaction |
60 hours/month saved means the claims team can focus on fraud review and customer service instead of keying in data.
Get Started
Interested in using Ocriva for your business? Try for free or View plans and pricing