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Cognitive Claims

LTI’s Cognitive Claims is an AI and analytics-based solution, aimed to enrich user experience, improve operational efficiency and reduce loss adjustment expenses (LAE). The solution redefines the current claims business processes by leveraging analytical, image processing, predictive and forecasting capabilities, through the introduction of AI and Cognitive Computing. The Cognitive Claims solution is built on LTI’s Mosaic AI platform, and uses IBM Watson Conversational Services and Visual Recognition Services, exposed as micro services. It boasts enhanced capabilities, which further simplify your claims processes. Through the Claims Filing functionality, a Chatbot can answer queries and assist you in quick claim notification & filing. With Claims Inspection & Investigation, you can rely on image / video intelligence for damage assessment and validation. The AI-powered fraud detection solution helps analyze image, unstructured data and other data sources, to build an accurate risk profile.

Key Highlights

  • Enhanced productivity of key stakeholders, including adjustment professionals, adjudicators and case investigators.
  • Focus on efficiencies in claims submission, FNOL, claims adjustment, verification, claims recovery, automated damage assessment, fraud detection and subrogation.
  • Demonstrable positive impact on customer experience metrics, reduced turnaround time (TAT) and loss adjustment expenses.


  • Claim Cost Reduction: ~20% reduction in LAE, by self-service options and virtual inspection.
  • Enhanced Customer Experience: 10x faster claim settlement & 24X7 assistance.
  • Operational Efficiency: Low-touch end-to-end process, resulting in 30% savings.

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    LTI’s Cognitive Claims Solution