One structured profile per life. Owned by you.
Your richest data on every policyholder isn't in your database — it's trapped in documents. Every claim and underwriting file we process is read, structured, and laid onto one longitudinal profile per life. The automation is the means; this layer is the asset that compounds.
Policyholder record
POL-2026-01184 · already in your system
+ from AI Underwriting
+ from AI Claims
Every run writes typed, cited fields onto the record.
0M+
Documents structured
0–98%
Field-level accuracy
0
Profile per life
0
APAC markets
The longitudinal profile
Every claim and UW file is a medical event.
Captured and structured, they form one health history per customer — laid on a single timeline. That timeline is the raw material for cross-sell, proactive care, and sharper pricing, and it only deepens with every interaction.
One life · one profile
2021 → 2026Life cover underwritten — medical exam + labs
Hypertension diagnosed, medicated
Annual health check — HbA1c trending up
Type 2 diabetes — metformin started
CI cover added — priced on richer history
Cardiac stent — inpatient + surgery
Managed & monitored — statin, proactive care
How the layer forms
No new database. It accrues on the records you already hold.
The insured is already in your system. Every claim and underwriting case enriches that record with structured, typed, cited data — the profile compounds as you work, not as a separate data project.
Start from the record you hold
The policyholder already exists in your core systems. We enrich the record you already have — no identity project, no parallel database to stand up.
Structured on every run
Every AI Claims and AI Underwriting case extracts typed, schema-bound fields — diagnoses, procedures, labs, costs — each cited back to the source document.
Compounds event by event
Each case writes a new structured event onto the profile. The more you run, the richer the layer — and the sharper every downstream decision.
What it unlocks
Grow. Care. Protect. On data only you hold.
Grow
Cross-sell & upsell on a real view of each life
Offers grounded in real health history, not a demographic guess.
Care
Proactive engagement on actual health events
Reach members before the next claim — care triggered by real events.
Protect
Catch fraud, waste & abuse; underwrite sharper
Longitudinal history sharpens detection and prices on what really happened.
Healthcare cost benchmark
What care actually costs — benchmarked, only by you.
Every claim and underwriting file is structured into line-item cost data — procedure, provider, diagnosis, amount. Aggregated across your book, it becomes a benchmark of what each episode of care truly costs: by provider, by region, over time. No public dataset holds this. No competitor can rebuild it. Only the insurer paying the claims sits on the raw material — and Papaya turns it into a live benchmark you can act on.
Cost per episode
your book vs. market
above benchmark → renegotiate
above benchmark → renegotiate
Manage providers
Negotiate on real cost, not list price. Spot the provider billing 3× peers for the same procedure and renegotiate from evidence.
Sharper pricing
Price to the actual cost trends in your own book — not a stale industry table that never saw your members.
Better product design
Design cover that fits how care is really used — benefits and limits that match real episodes and real costs.
Only the insurer paying the claims sits on this data. It compounds with every episode.
The business case
Four levers — six points off the combined ratio.
Illustrative for a Life & Health book, phased over 24–36 months. Indicative — to be modelled on yours.
−2.0
FWA & leakage
loss ratio
−1.5
Claims & UW opex
expense ratio
−1.5
Sharper underwriting
loss ratio
−1.0
Retention & scale
expense ratio
−6.0 ptscombined-ratio improvement — a step-change for a Life & Health book.
Governance & security
Your data. Your decisions. Your borders.
In-country data residency
Deployed in the AWS Region for each market — a country's data never leaves its borders.
No training, no retention
Every LLM call runs through AWS Bedrock or GCP Vertex — no training on your data, secured in your cloud boundary.
PII encrypted at the row level
Sensitive fields encrypted per database row, on top of encryption in transit and at rest — with a replayable audit trail.
The automation pays for itself. The data layer compounds.
Start with one workflow in weeks — and watch the profiles, benchmarks, and triggers accumulate.