# Vitraya Technologies

> AI-powered health insurance claims processing platform with 19 specialized agents, the Insight LLM medical model, fraud detection, and end-to-end automation for insurers, TPAs, and hospitals.

Vitraya Technologies builds the agentic AI infrastructure powering health insurance claims in India and beyond. Our platform automates adjudication, detects fraud, digitises medical documents, and orchestrates the full claim lifecycle - saving insurers 12–15% on claim costs while improving accuracy and turnaround time.

## Pages

- [Home](/): Overview of Vitraya's AI claims processing platform.
- [For Insurers](/for-insurers): Six-month adoption path, results and compliance for insurers.
- [For TPAs](/for-tpas): Per-insurer calibration, throughput per processor and fraud screening for third-party administrators.
- [For Hospitals](/for-hospitals): Faster pre-authorisation, fewer queries, shorter receivable cycle.
- [Solutions](/solutions): All 10 modular solutions for insurers, TPAs, and hospitals.
- [Claims Auto-Adjudication](/solutions/claims): AI-powered claims validation and adjudication.
- [Fraud & Abuse Detection](/solutions/fraud): ML-driven claims fraud prevention.
- [Smart Contracts](/solutions/smart-contracts): Blockchain-enabled healthcare contracts.
- [Hospital Claim Portal](/solutions/hospital-portal): Claim submission and tracking for hospitals.
- [Insurer & TPA Analytics](/solutions/insurer-dashboard): Real-time claims analytics engine.
- [Hospital Empanelment Portal](/solutions/hospital-empanelment): Network onboarding and management.
- [KYC Verification](/solutions/kyc-verification): AI-powered identity validation.
- [Document Digitisation](/solutions/document-digitisation): Medical OCR and data extraction.
- [PMJAY Adjudication & FWA](/solutions/pmjay): Government scheme claim adjudication.
- [Claim Workflow Desk](/solutions/claim-workflow-desk): Manual claim review platform.
- [Agentic AI](/agentic-ai): 19-agent, 6-layer agentic AI architecture.
- [Insight LLM](/insight-llm): India's most advanced medical LLM.
- [Agentic AI vs Rules Engines](/insights/agentic-ai-vs-rules-engine): How evidence-based AI adjudication differs from rules-based automation.
- [Claims Glossary](/insights/claims-glossary): Definitions of Indian health claims terminology.
- [India Health Claims Data](/insights/india-health-claims-data): Citable figures on claims adjudication and hospital empanelment.
- [Press](/press): Media kit, fact sheet, founders and logo.
- [Partners](/partners): Partner program - referral, reseller, hospital network, technology and regional partnerships to sell Vitraya solutions and Insight LLM.
- [Case Studies](/case-studies): Real results from leading insurers and TPAs.
- [About](/about): Company mission, story, and leadership.
- [Careers](/careers): Open roles at Vitraya.
- [Blog](/blog): Insights on healthcare AI and insurance technology.
- [How AI is transforming healthcare claims](/blog/ai-transforming-healthcare-claims): Claims adjudicated in under a minute, 12-15% cost savings.
- [Understanding agentic AI in insurance](/blog/understanding-agentic-ai-in-insurance): How 19 specialised agents split and reconcile a claim decision.
- [Why India needs its own Insight LLM](/blog/why-india-needs-its-own-insight-llm): Handwriting, regional languages and scheme pricing in Indian claims.
- [Improving solvency through smart claims processing](/blog/improving-solvency-through-smart-claims-processing): Where claims leakage sits and how 12-15% is recovered.
- [Open source contributions to industry standards](/blog/open-source-contributions-to-industry-standards): PML, HCX definitions and GIC common hospital empanelment.
- [Open Source](/open-source): Policy Markup Language (PML) and HCX standards.
- [Contact](/contact): Get in touch with Vitraya.
- [Demo](/demo): Request a personalized product demo.

## Key facts

- Claims adjudicated: 10M+, representing $2B in annual claim value.
- Average decision time: under 1 minute for straightforward claims.
- Automation rate: approximately 90% straight-through processing.
- Cost saving reported by insurers: 12-15% of claims cost.
- Hospitals connected: 15,000+ across India.
- Vitraya built the technology for the General Insurance Council's common hospital empanelment initiative, supporting 32 general insurance companies across India.
- The common empanelment initiative targets 20,000 additional hospitals, especially in Tier 2 and Tier 3 cities; this is a target, not a current-network count.
- Clients include Star Health, Niva Bupa, Bajaj Allianz, Aditya Birla Health, QIC and PMJAY.
- Compliance: IRDAI-aligned workflows, NHA/PMJAY scheme support, DPDP-conscious data handling.
- Standards: contributor to HCX (Health Claims Exchange) and PML (Policy Markup Language).

## Optional

- [Terms & Conditions](/terms)
- [Privacy Policy](/privacy)
- [Disclaimer](/disclaimer)