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We added DigiVerify's face match at claims submission. Within 3 months, fraudulent claims flagged for investigation dropped by 58%. The system catches claimants who aren't the actual policyholders — something our manual process was missing entirely.

NE
Ngozi Eze
Head of Fraud, InsureAfrica Group
Your Challenges

What's holding your industry back.

Identity fraud at application is rising

Fraudsters use stolen IDs to take out policies they never intend to honour. Without biometric verification, you can't tell a real policyholder from a fraudster.

Claims fraud is operationally expensive to detect

Fraudulent claims are filed under real-looking identities. Manual investigation is slow, expensive, and often inconclusive.

Slow onboarding pushes customers to competitors

Insurance customers expect instant digital policies. Lengthy manual verification drives them to faster, digital-first competitors.

Our Solution

Built for your exact compliance reality.

Verify every applicant at the point of application

Document verification + face match at application ensures the person taking out the policy is who they claim to be.

Biometric re-verification at claims

Re-run face match at claims submission — confirming the claimant is the policyholder, not someone using a stolen policy.

Screen for financial crime risk

AML and PEP screening at application catches high-risk individuals before policies are issued.

Risk-tier flows

High-value policies get enhanced verification; micro-insurance gets lightweight, frictionless flows.

TYPICAL VERIFICATION FLOW

What a Insurance verification looks like.

1

Application ID Check

Doc verify + OCR

2

Biometric Match

Face + liveness

3

AML Screen

PEP + Sanctions

4

Policy Issued

Auto-approved

5

Claims Re-verify

Face match at claim

OUTCOMES

What customers in your industry achieve.

60%

Fraud reduction

Biometric checks at application and claims close the identity fraud gap.

3 min

Policy issuance time

From application to approved digital policy for standard cases.

45%

Faster claims processing

Biometric re-verification at claims removes manual identity checks from the process.

REGULATORY COMPLIANCE COVERED
🇳🇬 NAICOM KYC Guidelines�� IRA Kenya Customer Verification Rules🇬🇭 NIC Ghana AML Guidelines�� IRDAI KYC Master Circular🌍 FATF Recommendation 10 GDPR / NDPR Data Protection

PRODUCTS USED

The DigiVerify checks powering this solution.

Document Verification

Verify policyholder identity documents at application. Extract structured data automatically — no manual data entry.

Learn more

Face Verification

Re-verify the claimant is the policyholder at the moment of claims submission — closing the impersonation gap.

Learn more

AML Screening

Screen applicants and claimants against PEP and sanctions lists before issuing high-value policies.

Learn more

INSURANCE

Stop insurance fraud before it starts.

Book a demo and see how biometric verification at application and claims changes your fraud economics.

Book a DemoContact Sales
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Frequently asked questions

An eKYC solution is a digital identity verification platform that enables insurance companies to verify policyholders remotely using AI-powered document verification, OCR, face verification, liveness detection, address verification, and AML screening. It helps insurers streamline policy issuance, reduce fraud, and comply with KYC and AML regulations.

Insurance companies use AI-powered eKYC to automate customer onboarding, verify policyholders quickly, reduce manual paperwork, prevent identity fraud, and comply with regulatory requirements. It also improves customer experience by enabling faster policy issuance and digital onboarding.

DigiPay.Guru’s eKYC solution verifies customer identities through document verification, OCR data extraction, face verification, liveness detection, address verification, AML screening, and configurable workflow automation. The platform delivers real-time verification through secure APIs, helping insurers onboard customers efficiently and securely.

DigiPay.Guru’s eKYC solution supports new policy issuance, customer onboarding, policy renewals, health and life insurance enrollment, motor insurance registration, agent onboarding, claims verification, and customer profile updates through a secure digital verification process.

The platform combines AI-powered face verification, liveness detection, document authentication, OCR validation, address verification, and AML screening to detect fake identities, forged documents, spoof attacks, deepfakes, and other fraudulent activities before policy issuance or claims processing.

Yes. DigiPay.Guru supports KYC and AML compliance through identity verification, sanctions screening, PEP checks, audit trails, and configurable verification workflows. This helps insurance companies meet regulatory obligations while reducing compliance risks.

Yes. DigiPay.Guru offers API-first integration with insurance policy administration systems, customer portals, CRM platforms, claims management software, mobile applications, and third-party compliance solutions. This allows insurers to digitize onboarding without replacing existing systems.

Most identity verification checks are completed within seconds using AI-powered automation. Real-time document verification, biometric authentication, and AML screening help insurers issue policies faster while reducing onboarding delays and manual verification efforts.

DigiPay.Guru helps insurers automate customer onboarding, improve verification accuracy, reduce operational costs, minimize fraud, accelerate policy issuance, enhance customer experience, and strengthen regulatory compliance through a unified digital verification platform.

The platform is suitable for life insurance companies, health insurers, general insurance providers, motor insurers, travel insurance companies, insurtech startups, insurance brokers, agencies, and other regulated insurance businesses that require secure customer verification.

Yes. DigiPay.Guru’s Workflow Engine enables insurers to configure different verification workflows based on policy type, customer risk, geography, distribution channel, or regulatory requirements. This allows insurance providers to automate risk-based onboarding while maintaining compliance and operational flexibility.

DigiPay.Guru provides an API-first, AI-powered eKYC platform built for modern insurance providers. By combining document verification, OCR extraction, face verification, liveness detection, address verification, AML screening, and workflow automation into a single solution, it helps insurers accelerate policy issuance, reduce fraud, improve customer onboarding, and maintain regulatory compliance at scale.

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