We don't sell insurance software.
We run underwriting.claims.
The Oasis runs your hardest workflows end to end — claims, underwriting, and fraud, waste & abuse — and structures every document into a granular data layer you own. Purpose-built for Life & Health across APAC.
Claims Pipeline
LiveExtract
Classify
Assess
Screen
Decide
Recent
last 60s
CLM-2026-04891
Outpatient — Dental Filling
CLM-2026-04892
Inpatient — Cardiac Surgery
CLM-2026-04893
Inpatient — Knee Replacement
0+
AI Agents
0M+
Records Processed
0%+
OCR · 95%+ Hand
<0s
Per Claim
0
Markets Live
0%
Auto-rate
AI Solutions
Four AI solutions. One data layer.
Papaya runs your hardest Life & Health workflows end to end — claims, underwriting, and fraud — then structures every document into intelligence you own.
AI Claims
3 min
to payment
Documents in. Payment out.
Full claims automation. The customer talks and uploads; AI reads the documents, files and adjudicates the claim, and pays — most claims decided end to end, untouched.
- AI-guided submission — no forms
- Every field extracted and cited to source
- 70%+ straight-through; exceptions to humans
- Cycle time collapses from days to minutes
AI Underwriting
80%
straight-through
A decision on 400+ pages, in minutes.
The Underwriting Workbench reads the whole application bundle — 17 document types — checks every finding against a range, cites it to source, and returns a priced, auditable recommendation.
- 80% straight-through issuance
- Eight recommended actions, EPM + table rating
- Every loading traced to a rule + guideline
- Turnaround from days to minutes
FWA Engine
100%
screened pre-payout
Every claim scored before it's paid.
Catches customer fraud, benchmarks providers, and surfaces abnormal patterns across the whole book — cross-provider, longitudinal signals a single claim can't reveal. Suspicious cases route to investigation, not paid then chased.
- Customer fraud + provider benchmarking
- Duplicate billing, upcoding, outlier detection
- 8–12% of spend flagged as leakage per year
- Sharpens as the data layer grows
All-in-One
Real-time
adaptive risk
UW → Claims → FWA, on one engine.
Run the full lifecycle on a single engine with real-time adaptive risk scoring. Each underwriting file and claim updates one live risk trajectory per policyholder — and feeds the structured data layer underneath.
- One engine across UW, claims & FWA
- Real-time adaptive risk scoring
- One longitudinal profile per life
- The whole is greater than the parts
Trusted by leading insurers and enterprises
Claims Intelligence
Configurable agent fleet. One pipeline. Under sixty seconds.
Not a dashboard for adjusters — the adjuster itself. A configurable agent fleet that takes a claim from raw documents to a fully adjudicated decision, with complete audit trail and policy citations.
Agent Fleet
Processing
Markets Live
Document Extraction
OCR + NLP for Thai, Vietnamese, Chinese, English documents
Classification
Auto-classify inpatient, outpatient, dental, maternity, accident
Medical Necessity
Clinical pathway validation against 60K+ medical records
Benefit Assessment
Policy-level calculation — sublimits, deductibles, co-pays
FWA Screening
Six-factor fraud analysis runs in parallel
Adjudication
Auto-approve, flag, or escalate with full audit trail
Fraud, Waste & Abuse
Evidence-based detection. Zero hallucination.
Every flag is backed by data from the claim itself. We'd rather miss a flag than fabricate one. Six-factor analysis, maximum 8 flags per claim — quality over quantity.
Detection Factors
Hallucinated Flags
Max per Claim
Timing Analysis
Policy-to-claim gaps, frequency patterns, escalation
Clinical Validation
Diagnosis-treatment mismatches, contradictions
Billing Forensics
Duplicate billing, upcoding, unbundling, overpricing
Provider Intelligence
Concentration risk, location mismatch, collusion
Document Forensics
Image manipulation, inconsistent dates, discrepancies
Policy Exploitation
Coverage change timing, benefit maximization patterns
Underwriting Engine
Risk assessment at the speed of data.
Transform underwriting from weeks to minutes. Automated risk evaluation, dynamic pricing, and application processing with actuarial precision.
Rule Coverage
Not Weeks
Product Lines
Application Processing
Automated intake, validation, and enrichment
Risk Assessment
Multi-factor scoring against underwriting guidelines
Dynamic Pricing
Real-time premium calculation based on risk profiles
Policy Issuance
Automated issuance, renewal, and endorsement processing
Open Integration
OpenAPI. SDKs. MCP. Your way in.
Full OpenAPI spec for every endpoint. Native SDKs for five platforms. MCP server for AI agent interoperability. Integrate Papaya into any workflow, any stack, any AI agent.
Full Spec
AI Protocol
Native SDKs
// OpenAPI client
const client = createClient('api.papaya.asia')
// Submit a claim
const result = await client.claims.submit({
documents: [invoice, receipt],
policyId: 'POL-2026-001'
})
// MCP — AI agent access
const mcp = createMCPServer({
tools: ['submit_claim', 'get_benefits']
})The Data Layer
The real deliverable isn't automation.
It's the data layer underneath.
Your richest data on every policyholder isn't in your database — it's trapped in documents. Every claim and underwriting file we process is read, structured, and laid onto one longitudinal profile per life — intelligence you already hold, finally usable.
The insured is already a record in your system. Every AI Claims and AI Underwriting case we run enriches that record with structured, typed, cited data — each underwriting file and claim becomes a structured medical event on one timeline. No new database; the layer accrues as you work.
2M+
Documents structured
96–98%
Field-level accuracy
1
Profile per life
One life · one profile
2021 → 2026Life cover underwritten — medical exam + labs
Hypertension diagnosed, medicated
Annual health check — HbA1c trending up
Type 2 diabetes — metformin started
CI cover added — priced on richer history
Cardiac stent — inpatient + surgery
Managed & monitored — statin, proactive care
One longitudinal profile → cross-sell · proactive care · sharper pricing.
Grow
Cross-sell & upsell on a real view of each life
Every profile shows what a customer actually needs next — offers grounded in real health history, not a demographic guess.
Care
Proactive engagement on actual health events
Reach members before the next claim — managed care and monitoring triggered by real events on the timeline.
Protect
Catch fraud, waste & abuse; underwrite sharper
Longitudinal history sharpens FWA detection and prices new cover on what really happened — not a stale snapshot.
The Vision
From claims processing to full healthcare intelligence.
Each market we enter compounds our data advantage. Each product line we add deepens the moat.
Now
Claims Autopilot
End-to-end claims processing. 50+ AI agents. Under a minute. Live across 8 APAC markets.
Next
Insurance Intelligence
Underwriting that prices risk in real-time. Provider networks that self-optimize. Compliance that adapts before regulations take effect.
Horizon
Healthcare Operating System
When intelligence becomes infrastructure, the boundary between insurance and healthcare dissolves.
APAC-Native
We don't just operate in APAC.
We're built for it.
Live across eight markets — each with its own document models, regulatory rules, clinical pathways, currency, and language: Thai, Vietnamese, Traditional Chinese, Bahasa, and more. Not a global template bolted onto the region — APAC-native from the ground up.
Thailand
Vietnam
Hong Kong
Taiwan
Singapore
Indonesia
Philippines
Malaysia
The Impact
Outcomes our customers actually measure.
Automating claims is the means, not the point. What insurers keep is lower cost, more fraud caught, and members who stay.
−0%
Operational cost
Fewer manual touches per claim across the whole operation.
0×
FWA catch rate
More fraud, waste & abuse surfaced — with evidence, not guesses.
+0 pts
Customer NPS
Members settled in seconds, not weeks — and they feel it.
−0%
Claim cycle time
From days of back-and-forth to a decision in under a minute.
Directional results observed across live deployments. Actual outcomes vary by market and product line.
Ready to replace your claims process with claims intelligence?
See how the Oasis processes insurance for your market, your products, your scale.