We don't sell insurance software.
We process healthcare.insurance.
The Oasis — AI agents that extract, classify, assess, detect fraud, and adjudicate claims in under 60 seconds. Every country. Every product.
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
Services
Two ways to work with Papaya.
Take our claims intelligence as software and embed it in your own stack — or let us run the entire operation for you as a fully managed, AI-native TPA.
Developer Platform
Our claims agents, inside your stack.
For insurers and TPAs who run their own operation but want Papaya's intelligence powering it. Ship two production-grade agent modules — end-to-end claims automation and fraud detection — through OpenAPI, native SDKs, or an MCP server. You own the workflow; our agents do the heavy lifting.
Two production modules — OpenAPI · SDKs · MCP
2
Core Modules
5
Native SDKs
MCP
AI-native
Automation
A configurable claims pipeline behind a single API call — intake, extraction, classification, assessment, and adjudication, end to end.
Fraud, Waste & Abuse
Six-factor screening on every claim across timing, clinical, billing, provider, document, and policy signals — evidence-based, zero hallucination.
…or run both together
Automation and FWA as one pipeline, through a single integration.
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 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.