KAPTO is an AI digital workforce for insurers that executes document-driven insurance processes end-to-end. So claims stay within deadlines, costs stay under control, and compliance risk goes down.
Claims, policy operations, and distributor workflows often slow down between steps.
Emails, documents, and updates arrive unstructured, get manually checked, retyped into systems, and passed between teams. This is where delays, errors, and missed deadlines happen - across claims handling, underwriting approvals, and policy updates.
KAPTO removes those gaps. It reads incoming structured and unstructured documents, validates the data, and executes the next step directly in your systems.

Claims intake automated from email to system at scale.
Result: A faster, more scalable claims operation without manual inbox handling.
Risk assessment workflows automated for faster renewals.
Result: Faster, more consistent underwriting decisions at scale.
Broker statements processed automatically, with instant visibility on discrepancies.
Result: Faster reconciliation, fewer errors, and full control over broker-driven financial data.
Four insurance use cases that reduce process cost, cut claim cycle times, improve accuracy, and increase insurance back office operational efficiency without touching core systems.
Policies go live without manual data entry. Distributor-sent policies are captured, validated, and loaded directly into your systems.

Pension updates and payouts are processed without backlog. Forms and requests are captured, validated, and applied directly in administration systems.

Claims are processed automatically from incoming emails. Incoming emails and attachments are understood, validated, and turned into structured data without manual handling.

Data from distributors is validated and reconciled automatically. Incoming reports are checked against internal systems, inconsistencies are flagged, and data is structured for use.
Managing complex reimbursements and medical validation.
Health insurance processes are fundamentally different from standard claims.
A single expense can be split across multiple policies.
For example:
KAPTO manages this automatically:
Beyond financial logic, some cases require understanding the nature of the medical intervention.
KAPTO supports this by:
This allows insurers to handle cases that would otherwise require manual expert review.

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Scaling AI from pilot to production is where most projects fail. You need a partner you can trust, someone who understands real operational constraints, not just the technology. We tested multiple providers, but what made the difference with KAPTO was seeing real results early and knowing they could support us in production.
Straight answers to how KAPTO fits your systems, cuts cycle time and stays compliant in a regulated insurance environment
KAPTO takes care of the boring, risky document work around your claims and policies. It automates insurance document processing by reading emails, PEC and attachments, pulling out the important data, and sending it into your existing systems. That means fewer manual steps, fewer mistakes, and faster answers for your customers. You keep your core systems and teams. KAPTO just does the heavy lifting around them so you can handle more volume without worrying about missed deadlines or lost documents.
KAPTO removes the waiting time between each human step to speed up insurance claims cycle time. Incoming mail is read, sorted and sent to the right place straight away. Broker policies are loaded into your system without people retyping them. Missing or wrong data is flagged quickly. As a result, you cut days from your claim and policy handling, so you reduce claims processing cost while keeping quality high. For motor claims, this helps you stay within the 30 day limit. In practice, faster handling usually means cheaper claims and fewer disputes.
KAPTO is built to run your day to day document work at scale, not just to answer questions. It uses dedicated models tuned to insurance documents and processes, with steady accuracy above 95 percent in real projects. Generic LLM pilots often look nice in a demo, but they do not give you full control, clear audit trails or the ability to process millions of pages with fixed service levels. KAPTO gives you stable results, full traceability and a team that runs the service for you, so you get an AI vs. BPO insurance operations alternative that actually scales.
Yes. KAPTO was built for regulated clients and DORA compliance in insurance from 2025 onward. Each insurer has its own protected data space. Data does not mix across clients. You can run KAPTO in the cloud or on your own machines. Every field KAPTO reads and every decision it makes is logged and explainable, so you can answer audit and regulator questions and hit insurance claims processing benchmarks with confidence. The platform is designed to support GDPR, the EU AI Act and your internal policies.
KAPTO is built to adapt to new rules and changing insurance digital transformation trends. When you update your internal policies, deadlines or checks, KAPTO’s decision logic and controls are updated centrally. That way new compliance requirements, including DORA related controls, are reflected across all automated flows, and you keep a documented record of when each rule was applied in case of audit or regulator questions.
No. You keep your policy and claim systems as they are. KAPTO works around them. It reads from your mailboxes and document sources, then pushes clean data and actions through APIs or your existing integration layer. This lets you raise your straight through processing insurance rate and reduce manual data entry insurance work without a long, risky core replacement project or heavy insurance process outsourcing.
KAPTO sits around your core systems, not inside them. It connects to your mailboxes, document repositories and APIs through your existing integration layer and respects your network and security boundaries. Each client has its own segregated environment, and all processing, logs and models stay under your control in line with your governance and security policies. You get an insurance BPO alternative and insurance process outsourcing alternative that keeps data, models and audit trails inside your architecture. You can read more about on the technical page.
You pay per page processed, so cost follows your real document volume and is simple to predict. There is no big license to buy upfront. To start, we pick one or two high impact areas with you, such as inbound mailboxes or broker policy loading. A first rollout usually goes live in 6 weeks with limited effort from your internal teams and gives early proof that you can reduce claims processing cost without a large transformation.
A first use case such as inbound mailbox automation or broker policy loading typically goes live in about 6 weeks. Your internal effort is limited to giving process input, test data and access to mailboxes and systems. KAPTO builds, runs and maintains the AI models and workflows, so your teams do not need to manage AI infrastructure or large projects, and you see early gains in insurance back office operational efficiency.
Yes. Most insurers begin with one or two well defined flows that have clear KPIs, like a claims mailbox or a broker policy channel. Once those are stable and delivering results, you can extend KAPTO to new document types and products without changing your core systems or redoing the initial work, growing from FNOL automation to broader straight-through processing insurance over time.
Let AI handle the repetitive document work, so your team can focus on customers, decisions, and growth.