Proof Infrastructure for Insurance
Turn claims decisions, underwriting steps, and policy events into verifiable proof — reducing disputes and making automated decisions defensible.
The problem
Insurance runs on decisions and processes that are frequently disputed: claims approvals and denials, underwriting steps, and policy changes. Increasingly, these decisions are made or assisted by automated systems.
When a claimant, regulator, or partner challenges a decision, the insurer must reconstruct what happened from internal records — records the challenger has no reason to trust.
The trust gap
A denial recorded in a claims system is a claim, not proof. It can be edited or misattributed, and the automated logic behind it is opaque. Reconstructing the decision after a dispute is slow and contestable, and exposing the underlying data raises privacy concerns.
The Proof Infrastructure approach
- Emit a proof artifact for each claims decision and underwriting step.
- Capture which system or model decided, under which policy, and with what oversight.
- Commit to sensitive claim and policyholder data with hashes.
- Give claimants and regulators independently verifiable evidence of the decision.
A proof artifact in this context
Sensitive details are committed to via a hash — the proof carries no private data.
Example verification flow
- 1A claimant disputes a declined claim.
- 2The insurer provides the decision proof artifact.
- 3A regulator validates the signature and the deciding system’s authority.
- 4They confirm the policy version and timestamp behind the decision.
- 5The decision is shown to be authentic and accountable — resolving the dispute with evidence.
Related concepts
Related comparisons
Build this with PFP
Explore the developer docs or try proof generation and verification in the live demo.