Spectro AI
AI-Powered Claims Fraud Detection
Reducing fraud leakage through document intelligence. Our AI-powered platform detects digitally manipulated invoices, fake medical bills, inflated repair claims, and AI-generated evidence across motor, health, and travel insurance claims.
The Claims Fraud Problem
Document fraud is the #1 source of claims leakage in Indian general insurance
of claims value
Inflated repair invoices & staged accidents
of claims value
Fake overseas medical bills & duplicates
of claims value
Inflated bills & discharge summary fraud
What Spectro AI Flags
Real-world fraud patterns detected across insurance claims with actionable evidence
Ward type mismatch
Bill charges ICU rate; discharge states general ward
Medicine tariff inflation
3 items billed at 2.8-3.2× MRP
Blacklisted hospital
Hospital matches fraud watchlist
Diagnosis mismatch
Procedure inconsistent with diagnosis
Digital manipulation
Metadata tampering indicates digital edit
GST number mismatch
GST doesn't match registered garage
AI generated images
Vehicle damage photos are synthetic
RC cross-check failed
Vehicle model differs from invoice
Metadata mismatch
PDF created 11 days after hospital visit
Duplicate fingerprint
Document matches prior claim
Hospital not found
No online presence or registration
Timeline inconsistency
Return date before discharge date
Spectro AI Capabilities
Comprehensive fraud detection through document intelligence and external database verification
1. Document Intelligence
Digital Tampering
Font anomaly, pixel-level edits, copy-paste trace detection
Metadata Forensics
Editor tool, author identity, modification timestamps
QR / Barcode Scan
Cross-verifies document against embedded source data
AI Image Detection
Identifies AI-generated vehicle or damage photos
Pattern Matching
Flags repeat fraud patterns across past claim submissions
Duplicate Detection
Document fingerprinting — cross-insurer duplicate matching
2. External Database Verification
Live data from Government & third-party sources
All checks configurable per insurer · Live external database verification · Fine-tuned to your fraud patterns
How Our AI Analysis Works
Simple 3-step process to detect fraud and verify authenticity
Upload & Parse
Securely upload claim documents, invoices, and images. Our system immediately begins extraction and analysis.
AI Analysis
Multiple AI models analyze for tampering, verify against databases, and detect fraud patterns.
Risk Report
Receive detailed fraud risk assessment with evidence, confidence scores, and actionable recommendations.