Group Health · Disability · Travel · TPAs · OSFI E-23 · Quebec Law 25

The AI Claims Employee for Canadian insurers and TPAs,
absorb the catastrophe surge without adding headcount.

DocuGenius handles claim intake, validation, and routing for Canadian carriers and third-party administrators. Built for the document mix — group health and dental invoices, disability APS and functional assessments, multilingual travel claims — and for the cat-surge months when volume spikes overnight.

Data residency in Canada available
Pilot under 1 day
Bilingual EN / FR

Claims automation for Canadian insurers and TPAs

Canadian carriers and TPAs are processing record catastrophe-claim volumes — 228,000 in a single month in 2024 — on top of document-heavy group health, disability, and travel claims. DocuGenius lets the same team absorb the surge with editable rules and a full audit trail, bilingual EN/FR and audit-ready for OSFI E-23.

How it works

From any claim document to your core system

Three steps: ingest, validate against rules your team owns, route with a full evidence trail. Sits beside your existing core.

1

Ingest Canadian claim documents

Group health and dental invoices, paramedical receipts, disability attending-physician statements and functional assessments, travel hospital invoices, PDFs, scans, photos, portal uploads — English and French. Multi-LLM extraction handles the document chaos.

2

Validate with no-code decision rules

Deterministic rules check eligibility, completeness, and plan terms. Your claims and compliance teams edit the rules directly, no developer tickets, no release cycles. Fair, consistent decisions every time, not ten adjudicators reading the same rule ten ways.

3

Route to your core with a full audit trace

Clean claims push straight to Salesforce via our AppExchange app, or to your adjudication core via REST, JSON, and CSV. Exceptions route to adjudicators. Every decision logged with the rule, the model, and the inputs, audit-ready for OSFI E-23 and Fair Treatment of Customers.

Outcomes

What teams report

228,000

Catastrophe claims Canadian insurers processed in a single month (2024). The surge the AI Claims Employee absorbs without seasonal headcount.

85%

Straight-through processing Manulife already reports. Mid-tier carriers and TPAs get the same capability in an 8-week pilot.

2–3×

Claim volume the same team handles with the AI Claims Employee deployed.

Where are you on the curve?

Three or more true? You've outgrown manual processing.

No case study needed — score your own operation. These are the thresholds where adding adjudicators stops keeping up with the volume.

  • Clean claims take more than 3 business days to adjudicate.
  • A catastrophe or open-enrolment surge forces overtime and temp adjudicators you can't hire fast enough.
  • Over 30% of claims get escalated to a senior for sign-off.
  • Less than half your claims flow straight through without rework.
  • You handle French and English documents on separate manual tracks.

The cost of standing still: a mid-size TPA adjudicating 50,000 claims a month at a typical loaded cost of CAD $6–12 per manual touch is CAD $300k–600k a month of processing — most of it on clean, in-policy claims that never needed a person. And when a catastrophe drops 200,000+ claims on the industry in a single month, that surge is met with overtime and temp staff you can't hire fast enough. DocuGenius clears the routine ~75%, so the same team absorbs the surge: 2–3× the volume, same headcount, every decision audit-logged for FTC and OSFI E-23.

See it on your own documents

A 15-minute walkthrough on a real document — yours or ours. Pilot environment live in under a day.

Differentiators

DocuGenius vs. manual / generic OCR / big-carrier in-house AI

The leaders built AI teams. Mid-tier carriers and TPAs need the capability without the build.

Time to value

Pilot environment in under a day, measured automation rate in an 8-week parallel run.

Manual / generic OCR / in-house build

An in-house AI program is a multi-year, multi-million build only the largest carriers can fund. Generic OCR breaks on every new form.

Rules your team owns

Visual decision rules your claims and compliance teams edit directly. Every decision traces to the rule that fired, audit-ready for OSFI E-23 and FTC.

Manual / generic OCR / in-house build

Black-box AI you can't audit, or RPA scripts that break with every plan or form change.

Bilingual + data residency

English and French documents on one pipeline. Canada / Quebec data residency available for Law 25.

Manual / generic OCR / in-house build

US-cloud SaaS with no French handling and data-residency gaps that procurement and privacy flag at review.

Catastrophe surge

The same team absorbs a cat-surge month, the routine claims auto-clear and adjudicators work only the exceptions.

Manual / generic OCR / in-house build

Volume spikes mean overtime, temp adjudicators, and a backlog that takes months to clear.

Common questions

Frequently asked

The routine, in-policy claims auto-clear against your rules, so your adjudicators spend the surge on the genuinely complex and contested cases instead of data entry. The same team absorbs a multiple of normal volume without the overtime and temp-staffing scramble, and the audit trail holds up afterward when the regulator and reinsurer ask how decisions were made.

Explore other solutions

Related reading:

Get a 5-min walkthrough on your documents

Share your use case, we'll come prepared

  • We'll walk through DocuGenius on a real document, yours or ours
  • From signed contract to live in under 2 weeks
  • Every decision logged and rule-traceable for audit
  • Your data stays yours - we never train on it

Your booking form is one click away

We use cookies to load the booking form and remember your preferences.

You can change your preferences at any time.