The claim decisions you can't seeare the ones that leak.
Mysa reads the whole claim, scores each decision against how your team actually decides, and hands the adjuster a case that's ready to call.
Intake, coverage, fraud and liability ran on their own, most of it as deterministic code rather than model calls. What's left is your call.
The worst claim decisions never look wrong. That's the problem.
Your sharpest claims judgment lives in your senior people's heads, with no backup. Ask which adjuster is best on liability, or what last quarter's worst call cost you — nobody can answer. That blind spot leaks 5 to 10 cents on every dollar you pay.
No two adjusters agree
The same claim gets a different answer depending on who picks it up. The standard lives in people's heads, not a system you can see or hold onto.
The bar drifts, silently
Standards move case by case, and nothing tells you it happened.
You find out too late
The wrong call surfaces a quarter later, a blown reserve or a missed recovery, slow and costly to undo.
A claim is not a form.
It is a graph of decisions.
You've heard of a context graph. This is the one built for claims decisions — every node is a call your team makes, scored against how you decide, and it deepens with every claim.
Reads the whole claim
Every document, field and note becomes a node, wired to the evidence behind it — not a form, a graph.
Scores every decision
Each call is scored against how your book actually decides, not a generic model.
Flags what leaks
Cost anomalies, missed recoveries and patterns no rule caught — surfaced before payout.
Deepens every claim
Every validated call is written back. By claim twenty it finds its own precedents, unprompted.
Carries its trace
Each decision cites the rule, the confidence, the precedent, and who confirmed it.
Yours to own
Model-agnostic and sovereign. The graph you build is your asset, on your balance sheet.
We handle the case. Your adjuster handles the judgment.
Everything up to the decision, done and scored. The call itself stays yours.
Read
The pile a claim arrives as, an FNOL, phone photos, a note scrawled at the scene, read and turned into one clean, structured record. Your team starts from a case, not a folder of PDFs.
See the reading →Chase
Spots what's missing, a second estimate, an unsigned form, then picks up the phone and gets it, before the claim ever stalls on your desk.
See the chase →Assemble
Six documents across three channels, reconciled into a single clean case. No gaps, no duplicates, nothing left for your team to stitch together by hand.
Follow one claim →Reason
Scores every decision in the claim against how you actually decide, with a confidence on each.
See the decision desk →Catches the leak
A recovery your team would have written off. Mysa spots that the third party is at fault, flags what you can claw back, and catches it before it leaks away.
See the drift →Hands it to your team
Your adjuster gets a decision-ready case, evidence and confidence attached, with a heads-up wherever a call drifts from how your team has decided before. You make the call.
See who decides →The numbers you report on, scored on every claim.
Speed, accuracy, cost, experience. These four set your combined ratio and decide whether the customer renews. Mysa scores all four on every decision while the claim is still open, rather than in a quarterly audit three months after the money has left.
of every payout leaks to a wrong call: a split that should have been 100/0, a reserve left too high, a recovery no one pursued. It stays invisible until it is paid.
The decision in hours, not weeks. Every day a claim sits accrues handling cost and lets recoveries go stale.
Handler hours, rework, arbitration. The expense ratio holds five to eight points of combined ratio, and it is the work we do.
For most customers the claim is the only time they test the policy. It is the single biggest driver of whether they renew.
We'll map where your claims leak, before you give us anything.
Drawn from your public filings and customers' complaints, with no data from you. 30 minutes, and the map is yours to keep.
Get your decision map →Your data never leaves. You make every call.
Sovereign by design. Mysa runs where you already do, logs every decision to its source, and leaves the final call with your team.
Sovereign deployment
Runs in your cloud, on-prem or your own VPC, across AWS, Azure or GCP, in your region. Your data never leaves without a signed frame.
You decide, always
Human-in-the-loop by design. We recommend with evidence and a confidence; your adjuster makes every call.
Auditable by decision
Every decision carries its trace: which rules fired, at what confidence, the precedent, who confirmed. Questioned later, the answer isn’t “the AI said so” — it’s the reasoning already on record. Built for disputes and GDPR Article 22.
Enterprise security
Encryption in transit and at rest, SSO / SAML, role-based access and granular permissions.
Your models, your graph, your asset
Model-agnostic, no lock-in, no third-party training on your data. The decision graph you build scores and sharpens every call — yours to keep, and to own on your balance sheet.
Privacy by default
Anonymized and masked before processing. Never any health data. Data minimization built in.
Every decision you run makes the next one sharper. Over time, the claims decision desk becomes the layer your whole claims operation decides on.