01Claims47 · Travel Insurance
A hospital bill from anywhere in the world, processed like it came from next door.
AI for travel claims: medical bills, baggage, delays and cancellations. Every document coded, priced against the right tariff and screened for leakage.
02Claims47 · Product definition
Specialized AI for travel insurance claims.
Claims47 reads cross-border bills, baggage reports, boarding passes and airline letters in any format, codes medical acts to ICD-10-CM/CPT, checks tariffs and rules, and delivers payment-ready decisions on top of your systems, or as the system itself.
Cross-border documents
Hospital bills, reports and receipts in any language and currency, medical terminology preserved. Property Irregularity Reports, boarding passes and airline confirmations for baggage, delay and cancellation.
Coding, rules and tariffs
ICD-10-CM/CPT coding, tariff and fee-schedule verification, your policy rules per client.
Decision or review
Straight-through when confident; exceptions reach an adjuster with the reasoning attached.
03Claims47 · The tension
An operation needs consistency. International claims arrive without it.
Manual review
Protects control, but multiplies time and cost: documents, languages, currencies, medical codes, tariffs and coverage terms change from claim to claim, and manual handling turns that into delay, inconsistency and leakage.
Basic automation
Speeds up intake, but rarely handles cross-border complexity: coding, tariffs, provider anomalies, leakage.
Every check, on every claim, and still straight-through: automation you can defend to your CFO, your clients and your regulator.
04Claims47 · Proven in production
In a live travel-medical operation, Claims47 reads bills in any language, codes them, verifies tariffs and delivers payment-ready decisions.
Faster turnaround. Straight-through processing at scale. Leakage caught before payout.
Cost
Up to 80%of the process automated end to end, in any language or currency, beyond what rules-based STP reaches.
Time
60sfrom a complete claim to a payment-ready decision.
Trust
100%of claims screened for leakage before payout.
From a deployment in production
cost per claim
claims reviewed by AI
ICD-10-CM / CPT coding accuracy in production
Figures from a Claims47 travel-medical deployment in production; decision speed and leakage screening are platform capabilities governed by your automation dial. Reference available under NDA. Every demo runs on synthetic data.
05Claims47 · Specialization
Built for travel claims.
Every travel coverage · any document, language and currency · medical coding and tariffs · fraud and leakage.
Every travel coverage
Travel Medical, Baggage Loss, Flight Delay and Trip Cancellation, each with its own required documents: from the hospital bill to the PIR and the boarding pass.
Any document, language, currency
Automatic translation with the medical terminology preserved, amounts converted at the service-date rate, cases routed per client.
Medical coding & tariffs
Foreign acts coded to ICD-10-CM/CPT with over 90% accuracy in production; tariffs and fee schedules checked against your master data.
Fraud & leakage
Document forensics plus provider billing anomalies, screened before any decision.
06Claims47 · Operational fit
On top of your systems, or as the system itself.
Non-invasive on your TPA core, CRM or legacy stack. When there is no modern core, Claims47 runs the claims workflow as the system of record. Proven in production.
- On top of your TPA core, CRM, payout systems or legacy
- Or as the system of record
- Per-client business rules
- STP thresholds you configure
- Adjuster review for exceptions
- Full audit trail on every decision
07Claims47 · How it works
From a foreign hospital bill, or a lost-baggage report, to a payment-ready decision.
Intake → extraction → validation → coding, rules and tariffs → fraud and leakage → decision or review. Each capability owns one step and hands a traceable output to the next.
Detected type
— · the claim type is detected from the customer's own words, with a confidence scoreDecision
Press Run live demo to watch the claim processed check by check.
Product view. Synthetic data.
Intake & triage
Reads bills, reports, receipts, PIRs and boarding passes in any language and currency, detects the coverage and routes the claim to the right client queue.
DocFraud47
Pixel-level document forensics plus provider billing anomalies, caught at validation, not in next quarter's audit.
Evidence
Codes to ICD-10-CM/CPT, verifies tariffs and fee schedules, checks every line against your rules and prepares the payment-ready file.
Communication
Multilingual member updates and automatic document chasing.
Insights
Reviews up to 100% of decided claims: invoice vs medical-act mismatches, price outliers, provider patterns.
08Claims47 · Why Claims47
Why TPAs and insurers pick it.
Cross-border is the home turf · leakage becomes visible · you set the dial · a better process first, then automation.
Cross-border is the home turf
Built inside a travel-medical operation that lives on international claims, not adapted to them. Baggage, delay and cancellation run on the same engine.
Leakage becomes visible
Tariff checks plus document forensics on 100% of claims, before payout.
You set the dial
STP thresholds and sign-off rules are your configuration, fully audited.
Improves the process before automating it
The workflow is redesigned around the decision: unnecessary steps removed, exceptions anticipated, and each adjuster shown exactly what the file needs. Better for the customer, simpler for the team.
09Claims47 · Next step
See a claim like yours become a payment-ready decision
20-minute demo on synthetic data. Then we show how your policies, tariffs and rules plug in. First claims in 4-8 weeks, fine-tuned on your live flow.
Claims47 · an M47 Labs solution · Runs in M47 Cloud · ISO 27001 · SOC 2 · GDPR compliant · HIPAA-ready · setup fee + price per claim · References available under NDA