Sprout.ai Claims AI Platform

Sprout.ai Limited is an insurtech headquartered in London, United Kingdom, focused only on insurance claims. It sells an AI layer that automates routine claims work and gives handlers tools to resolve complex cases, aimed at insurers, service providers and MGAs.

The platform converts claim documents such as reports, invoices, handwritten notes and photos into structured data, checks claims against policy terms, flags suspected fraud and gives explainable decisions. It covers health, life and disability, motor, home and property, and commercial lines. Named customers include MetLife, AXA, Scottish Widows and AdvanceCare, and the company has a hub in Japan.

• Document extraction: converts reports, invoices, handwritten notes and photos into structured claim data.
• Policy check: compares claim details against policy terms and coverage.
• Fraud detection: flags suspected fraud across motor, health and property claims.
• Explainable decisions: shows the reasoning behind automated outcomes for handlers and auditors.
• Multi-line coverage: supports health, life and disability, motor, home and commercial claims.
• Surge handling: processes high volumes during catastrophe or seasonal peaks.

A Vietnamese health insurer could automate out-of-network reimbursement claims from scanned invoices and medical reports. A non-life insurer could triage motor claims from accident photos and reports. A reinsurer or TPA could run fraud checks across mixed-line claim files.

Shortens claim handling from days to minutes for eligible cases, according to the vendor. Reduces manual document keying for health, motor and property claims. Flags suspected fraud early with explainable reasoning that handlers can audit. The vendor reported processing over 3 million claims in 2024.

Insurers across Asia are moving claims handling toward AI-assisted automation to cut cost per claim and fraud leakage. Vietnamese and Southeast Asian insurers face rising health and motor claim volumes with paper-heavy documents, which makes document-intelligence layers on top of existing core systems attractive.

Headquartered at 1 Mark Square, London. ISO 27001 certified. Ranked #7 in BusinessCloud InsurTech 50 2026, finalist at Insurance Times Awards 2026, winner of Global Insurtech Awards 2025. Has a Japanese-language site and a country manager for Japan.