Stop managing claims.
Start controlling them.
AI triage. Human decision. Zero compromise.
ClaimsIQ is a WhatsApp-native claims intelligence platform for NAICOM-licensed insurers. Motor. Health. Life. Any claim type. AI extracts, scores, and triages every submission. Your licensed adjudicator reviews the evidence and makes the decision. Every step logged. Full NAICOM audit trail.
Coming soon · first pilot Q4 2026 (NAICOM-licensed partners).
Built for Nigeria first — and actively seeking pilot opportunities across other African markets.
Four barriers holding NAICOM-licensed insurers back.
No competitive edge. Reputation at risk. Revenue lost to fraud. Growth structurally blocked. NIIRA 2025 is making all four impossible to ignore.
How ClaimsIQ solves them →What ClaimsIQ is designed to deliver
ILLUSTRATIVE ONLY — estimates based on comparable AI deployment in financial services. Not validated ClaimsIQ production data. All figures subject to first pilot validation.
Comparable benchmarks: AI-assisted triage in financial services — verify independently before citing in external materials.
To eliminate preventable fraud in Nigerian insurance — and give every insurer the tools to protect what belongs to their policyholders.
Nigeria's insurance sector is underpinned by the work of thousands of honest providers, diligent claims reviewers, and policyholders who trust their insurer to protect them.
Fraud — estimated at 8 to 15 percent of total claims value across the sector — diverts resources from genuine claimants, inflates premiums, and erodes trust in an industry Nigeria needs to work.
ClaimsIQ exists to close the gap between the scale of this problem and the sophistication of the tools available to fight it. We built ClaimsIQ to work inside the channels Nigerian insurance professionals already use. WhatsApp-native. Explainable. Human-in-the-loop. Compliant.
ClaimsIQ does not replace the human reviewer. It gives them what they need to make the right call — every time.
Human always in control
ClaimsIQ assists. Humans decide. Every HIGH and FRAUD FLAG claim requires a human reviewer. Always. No exceptions.
No black boxes
Every ClaimsIQ risk score comes with a plain-English reason. Reviewers understand every recommendation ClaimsIQ makes. If your team cannot explain the decision, it is not a decision — it is a guess.
Built for the Nigerian market
WhatsApp-native. NIIRA 2025 compliant. ClaimsIQ was designed for the workflows of Nigerian insurance teams — not adapted from a US or European product.
"Claims is not a back-office function.
It is the moment an insurer proves its promise."
— ClaimsIQ design principle
Built for a regulated industry
ClaimsIQ is designed from the ground up to meet the regulatory requirements of the Nigerian insurance sector. One platform. Full compliance coverage.
NAICOM-ready
Every claim decision is made by a licensed adjudicator. Every action is logged in a tamper-proof audit trail built for NAICOM inspection.
NDPA 2023 compliant
All claimant data is processed and stored within Africa — in full compliance with Nigeria's Data Protection Act 2023. No data leaves the continent.
NIN-verified
ClaimsIQ verifies every claimant's identity against the National Identification Number database under the NIMC Act 2026 — closing one of the most exploited fraud entry points in Nigerian insurance.
Human-in-the-loop
No claim is approved or rejected automatically. Ever. Your licensed adjudicator makes every decision — supported by AI intelligence, never replaced by it.
Your compliance. Our architecture.
FAQ
Common questions
No. WhatsApp is the primary intake channel because it is where Nigerian policyholders already are. But ClaimsIQ can also ingest claims from email and integrate with your existing claims management system. If your organisation uses a different intake channel, we scope the integration as part of your onboarding.
No. ClaimsIQ supports your team — it does not replace them. Every claim decision is made by a licensed adjudicator on your team. ClaimsIQ provides the structured evidence, the fraud signal results, and the AI recommendation. Your adjudicator reviews everything and makes the call. Human-in-the-loop is a non-negotiable design principle.
ClaimsIQ is built for NAICOM-licensed insurers across motor, health, and other lines of business. The Starter tier is optimised for text-based claims. The Growth tier adds image intelligence for vehicle damage assessment. Enterprise clients can configure ClaimsIQ for any claim type.
Every claim processed through ClaimsIQ generates a tamper-proof audit trail — every submission, every fraud signal result, every AI recommendation, every adjudicator decision, with timestamps. This audit trail is formatted for NAICOM inspection. Your compliance team does not need to build it — it is automatic.
Yes. ClaimsIQ can output structured claim results to your existing claims management system via a REST API. We scope and build the integration as part of the Enterprise tier onboarding. If you have an existing system you need to connect, raise it during your demo request and we will confirm compatibility.
The moment you pay a claim is the moment you prove your promise.
Let us show you how ClaimsIQ gets you there.
Request a Demo