Claims Teams
Replace manual triage with a structured, AI-assisted process. Your reviewer gets a complete claims package — fraud signals, image analysis, and NIIRA countdown — assembled in under 30 seconds.
The Platform
From WhatsApp submission to claim decision.
ClaimsIQ does not replace your claims team. It gives them everything they need to make better decisions, faster.
How It Works
How ClaimsIQ works
Six steps. WhatsApp in. Decision out. Every action logged.
01
The claimant sends a WhatsApp message
The claimant opens WhatsApp and messages the insurer's dedicated number. No app to download. No portal to register for. Just a conversation they already know how to have.
02
ClaimsIQ guides them through the claim
ClaimsIQ asks structured questions via WhatsApp — policy number, incident details, supporting information. The claimant responds in their own time. The system validates their policy in real time.
03
Nine fraud signals run automatically
ClaimsIQ runs nine proprietary fraud signals against every claim — including NIN identity verification via the NIMC Act 2026, duplicate detection, inflated estimate analysis, geographic consistency checks, and provider risk scoring. This happens in seconds, invisibly.
04
AI triage generates a recommendation
Amazon Bedrock analyses the structured claim and fraud signal results and produces a plain-English adjudication recommendation with a confidence score. The AI does not decide — it prepares the case.
05
Your adjudicator reviews and decides
Your licensed adjudicator opens the ClaimsIQ reviewer dashboard and sees the complete claim — all documents, all fraud signals, the AI recommendation, and the claimant's WhatsApp conversation. They review the evidence and record their decision. Every decision is human.
06
The claimant is notified instantly
The moment a decision is recorded, ClaimsIQ sends the claimant a WhatsApp notification — approved, rejected, or on hold with a clear reason. If approved, a settlement voucher is sent directly. Every step is logged for NAICOM audit compliance.
AI triage. Human decision. Zero compromise.
NAICOM-ready NDPA 2023 compliant
Capabilities
Everything your claims team needs. Nothing they don’t.
Built specifically for the Nigerian insurance market. No enterprise configuration. Live in days, not months.
WhatsApp-Native
Staff submit claims through the WhatsApp number they already use. Text or photo. No new app. No new login. Zero adoption friction. Average submission time: under 60 seconds.
Core Feature
Plain-English Reasoning on Every Claim
Every risk score comes with a human-readable explanation. ClaimsIQ tells your reviewer exactly what it found and why. Reviewers trust what they understand. ClaimsIQ gets used.
Intelligence
Human Always in Control
ClaimsIQ triages. Human decides. HIGH and FRAUD FLAG claims require a mandatory reviewer comment before any decision is logged. ClaimsIQ never approves or rejects alone. Ever.
Governance
Image Intelligence
ClaimsIQ reads vehicle damage photos, driver documents, incident scene images, and receipts submitted via WhatsApp. Structured data extracted automatically — no manual re-entry required.
Motor Claims
Automatic Audit Trail
Every decision logged with reviewer ID, timestamp, ClaimsIQ-assisted reasoning, and outcome. Immutable. Available for NAICOM review at any time. NDPA 2023 data handling compliant.
Compliance
NIIRA 2025 Compliance
Section 210 settlement deadline tracked on every claim. Your team sees the countdown. Zero breach risk. Automatic timestamped audit trail satisfies NAICOM documentation.
Motor Insurance
Eight-Signal Fraud Detection
Amount vs tariff. Provider frequency. Claimant frequency. Duplicate detection. Temporal anomalies. Code mismatch. Third-party cross-reference. Registration check. All eight on every claim, under 30 seconds.
Security
NIIRA 2025 SLA Tracking
Every claim carries a visible countdown to the legal settlement deadline. Your reviewer always knows how much time remains. Regulatory compliance is built into the process — not bolted on.
Motor Insurance
Who It's For
Built for NAICOM-Licensed Insurers
ClaimsIQ is designed for NAICOM-licensed general insurers underwriting motor business who need to process claims faster, catch fraud earlier, and demonstrate NIIRA 2025 SLA compliance.
Claims Directors
Every decision is permanently logged. Every AI assessment is fully auditable. NAICOM can request your claims trail at any time — ClaimsIQ means it is always ready.
CEOs and MDs
Claims reliability is the single biggest driver of consumer trust in Nigerian insurance. ClaimsIQ gives you a measurable, demonstrable edge over every insurer still processing manually.
Compliance & Trust
Built for Nigeria's regulatory environment.
ClaimsIQ is designed to satisfy NAICOM, NIIRA 2025, and NDPA 2023 requirements from day one.
NAICOM — Audit Trail
Every AI-assisted claims decision is logged with reasoning, reviewer ID, and timestamp. Satisfies NAICOM audit documentation requirements for AI-assisted processes.
NIIRA 2025 — Section 210
Settlement deadline tracked on every claim. Timestamped receipt and decision record satisfies Section 210 documentation requirements. Zero deadline breach risk.
NDPA 2023 — Data Protection
Claims data stored in AWS infrastructure in the Africa (Cape Town) region only. NDPC-registered data processor. 30-day image retention policy. TLS 1.3 + AES-256 encryption. No data persisted on Meta or WhatsApp servers.
Human-in-Loop — Always
AI never makes a final claims decision. HIGH and FRAUD FLAG outcomes require mandatory human reviewer action before any decision is logged. Satisfies NDPA automated decision requirements.
Nigerian Data Sovereignty
All claims data stored exclusively in AWS infrastructure in the Africa (Cape Town) region (af-south-1). Data never leaves the African region. AWS KMS with CMK for key management.
TLS 1.3 + AES-256
Annual Pen Test
Zero standing access
Immutable audit log
ClaimsIQ operates as a data processor under NDPA 2023. NDPC registration will be completed prior to processing any client data. For data handling queries: hello@fenwell-tech.co.uk