An integrated deep learning solution from Arya to automate claims processing
In health insurance, claims processing is ultimately the most vital stage of all. A stage where insurers need to prove their mettle by meeting the consumer demands and showing commitment to setting the standard of service with great agility. For a claim to process, it has to haul over multiple layers of human functions right from organizing the data to assessing and decision taking. Such process involves time and works with reduced speed that affects the overall mission of any insurance business.
Highlighting few key insights about the brochure
With the increasing flow of data, insurers are facing challenges in terms of efficiency, productivity, operational costs & consumer expectations.
An Artificial Intelligence based application that automates the entire process. Right from assesing and validating the claims till the end decision and adjudication.
Right from reducing operational costs and processing time to a minimum to increasing overall efficiency and setting the standard of customer service.
A solution that is architected to not only scale with load but also to learn from it. This DL based solution is built to continue learning from inflow of live cases and from expert feedback, to become ever more accurate.
This document is an electronic record in terms of Information Technology Act, 2000 and rules made there under as applicable and the amended provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures
Only those persons who can form legally binding contracts under Indian Contract Act, 1872 are permitted to use the Services. Persons who are "incompetent to contract" within the meaning of the Indian Contract Act, 1872 including minors, un-discharged insolvents etc. or who are otherwise disallowed under any applicable laws, rules and regulations are not eligible to use the Service. If you are a minor i.e. under the age of 18 years, you are prohibited from accessing or using Services, except through your legal guardian or parents who have registered as users on the Website or can use the Website as guest User. The Service is not available to any Users previously barred by Arya from using or accessing the Service.
Note: user substance - includes data or information uploaded by the user to arya platform, probably for processing, and probably not for display, probably not for sharing also unless user explicitly allows… this data probably we have the right to inspect, but not the right to market
You agree to defend, indemnify and hold harmless Arya and its subsidiaries, assigns, agents, licensors, managers, and other affiliated companies, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees) arising from: (i) your use of and access to the Service, including any data or content transmitted or received by you; (ii) your violation of any term of this User Agreement, including without limitation your breach of any of the representations and warranties above; (iii) your violation of any third-party right, including without limitation any right of privacy or Intellectual Property Rights; (iv) your violation of any applicable law, rule or regulation; (v) any claim for damages that arise as a result of any of your User Substance or any content that is submitted via your account; or (vi) any other party's access and use of the Service with your unique username, password or other appropriate security code.
The Service is provided on an "as is" and "as available" basis. Use of the Service is at your own risk. To the maximum extent permitted by applicable law, the Service is provided without warranties of any kind, whether express or implied, including without limitation implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Without limiting the foregoing, Arya, its subsidiaries, assigns, affiliates, and its licensors do not warrant that the content is accurate, reliable or correct or that the Service will meet your requirements or that the Service will be available at any particular time or location, uninterrupted or secure or that any defects or errors will be corrected or that the Service is free of viruses or other harmful components. Any content downloaded or otherwise obtained through the use of the Service is downloaded at your own risk and you will be solely responsible for any damage to your computer system or mobile device or loss of data that results from such download or your use of the Service. Company does not warrant, endorse, guarantee, or assume responsibility for any product or service advertised or offered by a third party through the company service or any hyperlinked website or service, and company will not be a party to or in any way monitor any transaction between you and third-party providers of products or services.
In no event shall Arya, its affiliates, assigns, agents, directors, employees, suppliers or licensors be liable for any indirect, punitive, incidental, special, consequential or exemplary damages, including without limitation damages for loss of profits, goodwill, use, data or other intangible losses, that result from the use of, or inability to use, this Service. Under no circumstances shall Arya be responsible for any damage, loss or injury resulting from hacking, tampering or other unauthorized access or use of the Service or your account or the information contained therein. Arya assumes no liability or responsibility for any (i) errors, mistakes, or inaccuracies of content; (ii) personal injury or property damage, of any nature whatsoever, resulting from your access to or use of our service; (iii) any unauthorized access to or use of our secure servers and/or any and all personal information stored therein; (iv) any interruption or cessation of transmission to or from the Service; (v) any bugs, viruses, trojan horses, or the like that may be transmitted to or through our Service by any third party; (vi) any errors or omissions in any content or for any loss or damage incurred as a result of the use of any content posted, emailed, transmitted, or otherwise made available through the Service; and/or (vii) user content or the defamatory, offensive, or illegal conduct of any third party. In no event shall company, its affiliates, agents, directors, employees, suppliers, or licensors be liable to you for any claims, proceedings, liabilities, obligations, damages, losses or costs in an amount exceeding the amount you paid to Arya hereunder. The disclaimers, exclusions, and limitations of liability under this agreement will not apply to the extent prohibited by applicable law. The Service is controlled and operated from facilities in the India. Arya makes no representations that the Service is appropriate or available for use in other locations. Those who access or use the Service from other jurisdictions do so at their own volition and are entirely responsible for compliance with all applicable Indian and local laws and regulations, including but not limited to export and import regulations.
Please contact us at firstname.lastname@example.org with any questions regarding this User Agreement. This User Agreement was last modified on 23rd May 2016.
This Policy discloses the information gathering and dispensing practices for Arya and its affiliates, assigns, subsidiaries ("Arya") including without limitation the type of information about our Service's users that is gathered and tracked, how the information is used, shared or otherwise processed offline. This Policy also describes how cookies, web beacons and other related and/or unrelated technologies may be used in our offerings and products.
In general you can access and browse through the website without revealing any information about yourself. However, in the event you desire to use Services of Arya, information such as your name, contact number, email id, billing information, bank account details and such other personal information will be required by us. If you tell us that you do not want us to use your information to make further contact with you beyond fulfilling your request, we will respect your wishes.
Wherever possible, we may indicate if revealing information is mandatory or optional and always provide you with a choice of not using a particular offering, service or program. You are requested to provide correct, accurate, and complete information.
We shall not be responsible for the authenticity of the personal information or data supplied by the users and any inconvenience or hassle caused because of the same.
We may also collect information relating to your use of our Service and website through the use of various technologies. We use this information to do internal research on our users' demographics, interests and behaviour to better understand, protect and serve our users. We also monitor traffic patterns and website use, which enables us to improve the service we provide. We assure you that we will collect only such information as is necessary and relevant to us to provide you with the services available on the Site. The information that we collect, either directly or indirectly, may be combined to help us improve its overall accuracy and completeness and to help us better mold our interactions with you.
Personal Information is that information which is capable of identifying you such as, your name, email address, contact number and address, password, financial information such as, your bank account number, credit card, debit card information or other payment instrument details for the purpose of processing payments.
Please note that your financial information is held, retained and processed by a third party Payment Gateway, namely, [insert name] having their registered office at [insert address]. [ ] is obligated to maintain confidentiality of your financial information under various applicable laws and under an agreement with us. However, we shall not be liable for any actions of the third party Payment Gateway in breach of their confidentiality obligations and disclosure of your financial information. It is sole duty of you to inform us if any of your personal information, needs to be updated with us. In case we suspect any unauthorized use of your information we may contact you.
We may use such personal information we collect to provide you with a personalized experience while using our Service or accessing our website, such as providing you with content in which you may be interested and making navigation on our site easier. We may also use your personal information to support products or services you have obtained from us, such as troubleshooting, notifying you of a product update or fix, customizing your experience, detecting and protecting against error, fraud and other criminal activities.
The information you provide to Arya, as well as the information we have collected about you indirectly, may be used by us for marketing purposes. Before we do so, however, we will offer you the opportunity to choose whether or not to have your information used in this way. You may at any time choose not to receive marketing materials from us by following the unsubscribe instructions included in each e-mail you may receive, by indicating so when we call you, or by contacting us directly at email@example.com
In addition, Arya reserves the right to disclose your personal information as required by law and when we believe that disclosure is necessary to protect our rights, or the rights of others, or to comply with a judicial proceeding, court order, or legal process served on our website or Service.
We intend and strive to protect your personal information and to maintain its accuracy. We employ reasonable physical, administrative and technical safeguards to help us protect your personal information from unauthorized access, use and disclosure. For Instance, we use encryption while transmission of information sensitive to you between your and our system and allowing only authorized persons for permitted business functions to access your Personal Information, etc.
We will retain your registration information for as long as your account is active or as needed to provide you services. If you wish to request that we no longer use your registration information to provide you services contact us at firstname.lastname@example.org. We will retain and use your registration information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
Your information may be shared with third parties in the following circumstances:
5.4 Upon occurrence of special circumstances as mentioned below:
Subject to this policy, we assure you that we will share your Personal Information only if we have your express or implied consent, or if we are compelled by law (including court orders) to do so.
As mentioned above, we collect information from your visits to our website and your use of our Service to help us gather statistics about usage and effectiveness, personalize your experience, and tailor our interactions with you. We do so through the use of various technologies, including scripts, tags, and "cookies".
A cookie is a piece of data that a website can send to your browser, which may then be stored on your computer as a tag that identifies your computer. While cookies are often only used to measure website usage and efficiency and to allow for ease of navigation or use and, as such, are not associated with any personal information, they are also used at times to personalize a known visitor's experience to a website by being associated with profile information or user preferences. Over time this information provides valuable insight to help improve the user experience.
In most instances, you can set your browser to notify you before receiving a cookie, giving you the chance to decide whether to accept it or not. You can also generally set your browser to turn off cookies. Since cookies allow you to take advantage of some of our website's features or feature of our Service, we recommend that you leave them turned on. If you block, turn off or otherwise reject our cookies, you may not be able to use certain features of our Service and website and you may be required to re-enter your password more frequently during a session.
You may, at times, encounter cookies or other similar data collection devices on certain pages of the website that belong to and are placed by third parties. We do not control the use of such cookies of third parties.
In furtherance of the confidentiality with which we treat your information, we assure you that to prevent unauthorized access, maintain data accuracy, and ensure correct use of information, we will employ reasonable security practices and procedures and current Internet security methods and technologies in compliance with Information Technology Act, 2000 and rules made there under.
Moreover, we restrict access of personal information to our employees, contractors and agents who need to know that information in order to operate, develop or improve our services. These individuals are bound by confidentiality obligations and may be subject to discipline, including termination and criminal prosecution, if they fail to meet these obligations.
Arya strongly believes in a transparent approach to its users. This Policy aims at minimizing instances of customer complaints, grievances and disappointments via channelized approach, review and redressal. You can file a grievance if you are disappointed or have issues in respect of the services rendered by Arya. You can register your grievance through email or regular postal mail to the Grievance Officer of Arya. The email address at which you can send your grievances is email@example.com .The grievances can also be sent via regular postal mail to the following address:-
1105, K.P. Aurum, Marol Maroshi Rd, Marol,
Andheri East, Mumbai, Maharashtra 400059
Arya respects the intellectual property rights of third parties and responds to allegations that certain material has been posted, uploaded or shared on or through the service operated by Arya ("Service") without authorization from the person, individual, or an entity ("Holder")which holds patent, copyright or any other intellectual property right in respect of such material. In appropriate circumstances, Arya will disable and/or terminate the accounts of users who may infringe or repeatedly infringe the proprietary rights of others in accordance with in accordance with the laws, rules and regulations of India or of any other country or under any international convention or treaty.
If you believe that your work has been copied, derived and/or made available through the Service in a way that constitutes infringement of any right possessed by you, you may send the following information ("Grievance") via regular mail or email to Arya:
The Designated Officer for sending information regarding alleged infringement can be reached at the following address:
1105, K.P. Aurum, Marol Maroshi Rd, Marol,
Andheri East, Mumbai, Maharashtra 400059
Please note that in the event you misrepresent that content uploaded by a Service user is infringing your work, you may be liable for damages, including court costs and attorneys fees.
Upon receiving a proper Grievance, we will review and scrutinize it and remove or disable access to the allegedly infringing material if the allegation is confirmed. If any such material is taken down from the Service or the website the alleged infringer will be notified of your claim.
Arya is not liable for any consequences whatsoever due to removal or non-removal of any such material as stated above.
If you believe your own copyrighted material has been removed from the Service in error, you may submit a written complaint to our Designated Officer (as specified above) regarding the same.