INCHES X-CLAIM, spearheaded by the vision of Dr. Asrani and his team comprising senior medical, legal and allied professionals is today, one of the fastest growing and respected claims support enterprise in the industry.
Our core expertise is driven by our deep insights into physician behaviour and consumer attitudes. Two factors that have the potential of being every claims officers nightmare.
INCHES Healthcare was launched in 1996 by a group of practicing medicos and has been offering Integrated Insurance Services to insurers since 2000.
In 2009, X-CLAIM, dedicated to Claim related transactional services was launched. In over 6 years, we have adjudicated over 30,000 claims.
Our services currently extend to life, CI, health, personal accident, motor and disability (MACT) claims. We at INCHES X-CLAIM work with Insurer’s philosophy towards risk management and offer comprehensive, relevant, practical, ethical and cost-effective solutions.
Business process refinement (BPR) is a systematic approach to help an insurer optimize underlying processes to achieve more efficient results.
At INCHES X-CLAIM, we achieve it through Peer review and help our clients maintain standards of quality, improve performance and provide credibility.
Claims review in insurance is largely a Process Audit. There is negligible medical / clinical review being performed. If review findings are meant to percolate in process enhancements, this is a clear gap that needs to be plugged.
@ INCHES X-CLAIM, we pioneered the concept of medical and clinical review programmes in Indian Insurance sphere.
INCHES' Peer review model is a risk management based approach that focuses on the business units with the greatest risks viz underwriting, claims and customer satisfaction.
We, at INCHES X-CLAIM, focus on developing solutions, not placing blame. Issues are discussed as identified and we develop action plans in collaboration with management. The draft review report comes along with the action plans and approach for addressing issues.
This approach is vitally useful and allows us to
Types of Peer review:
Training is empowerment!
Working on the belief that a Doctor knows a Doctor best, INCHES X-CLAIM have created network of doctors with due accreditation for ethics, IT adaptability and regular updates.
1. Network for Spot verification cum medical adjudication.
2. Network for Ethical pre-issuance medicals (doctors cum diagnostic centres)
3. Network of Hospitals Across India
*Late / irrational payments are single most important cause for doctors to commit fraud
To be the most distinguished and preferred consulting firm delivering ethical, innovative, cost effective and value added Integrated Insurance Solutions.
At INCHES X-CLAIM, we strive to empower our clients and provide distinguished consultation services, both in life and health (general) insurance space by translating a unique combination of medical, forensic, legal and technical knowledge into result oriented intellectual solutions.
Dr C H Asrani - Chief Visionary
Padmashree Prof Dr Alaka Deshpande
Dr Sushma Jaiswal Meher- Director Operations
Dr S B Jain – Head Clinical Audit
Dr Salma Rayani Khan – AVP – Audit and Consulting
Dr Suruchi Singhal – Head Clinical services
Dr Hitendra Tripathi
Dr Bhavini Mehta
Dr Dhanashree Mane
Dr Suman Rao
Dr Smita Nabar
Jagmohan Singh Marbha
Sonali Sarkar - Head Admin
The world is flat, and our cloud hosted proprietary web software makes it flatter! It enables us to effectively manage business across the globe to build stronger risk frameworks and thus optimally manage our client objectives.
We have integrated the cultural and socio-economic complexities of diverse markets with special emphasis on Asia & Middle Eastern regions. This internationalisation of services and social responsibilities positively impact our key stakeholder groups.
Our knowledge based services are driven across borders under stringent controls adhering to the best global business practices
These are exciting times – with efforts on to create an (re)insurance hub in India. We at INCHES X-CLAIM are geared with our ever expanding team to offer strategic support to mammoth efforts of (re)insurers across the globe. Our value proposition includes:
We aim to help our clients operate with a lean team by offering multiple tiers of DeFacto Medical Officers / Legal officers and focused consulting.
Accepting and managing medical and technical outsourced services as a responsible external agency involving company executives as important stakeholders; aligning cost, risk management and value development, specific areas we can help in:
Expert Opinion for Underwriting function
Peer review of UW SOP
Since its inception, the private insurance journey has been a symbol in tenacity and initiative. Every New Year has thrown unique challenges which the industry has faced with resilient élan. The current times are perhaps the most testing (FDI in insurance calls for higher business volumes, which in turn threatens increasing fraud). Most companies have established/ are contemplating establishing Fraud/ Risk units and there is a real need for insightful adjudication of suspect claims as well as higher industry collaboration to weed out / discourage the habitual fraudster. Solutions have to also be created that serve as strong deterrents for them.
To offer all of these, we have an in-house team of 10 doctors plus a panel of Specialists and Super specialists,viz. general physician, general surgeon, cardiologist, neurologist, oncologist, orthopedic surgeon etc to medically adjudicate/ opine on medical intricacy
"Effective Claim adjudication is going to be the name of the game! Efficient Claim adjudication will be the road to fame!"
Expert Medical/ Medico legal Opinions w.r.t
Medical adjudication at various stages of a claim cycle
(where injury of own/ third party is involved)
INCHES X-CLAIM’s service model is based on providing customised and distinguishing services to help our customers and mitigate the strategic, financial and operational risk by leveraging medical, legal and technical insights to further elevate their risk management strategy which in turn positively impacts their bottom line.
At INCHES X-CLAIM we have an inherent belief that maintaining a strong bottom line is equally important as achieving a good top line. All our actions are driven to create a balance between customer centricity and risk mitigation and hence a win-win situation for our clients and our client’s clients.
1. INNOVATION: We translate an idea into a unique service offering that creates value for our customers. Innovation is synonymous with risk-taking; every day at INCHES is another attempt for a new innovation to address a client’s pain point.
2. MERITOCRACY: We are a team with vivid imagination coupled with merit and skill to translate them into effective solutions. We benchmark ourselves for excellence in whatever we undertake and deliver.
3. ETHICS: We work only with insurers and never for consumers as a company policy at INCHES X-CLAIM
INCHES X-CLAIM is a strategic confluence of specialised medical, legal and technical professionals having unmatched insurance domain expertise. We are committed to empower insurers in containing frauds without eroding customer confidence. As the Chief Visionary, my emphasis is on incessant innovation to stay one step ahead of the fraud curve. We create effective solutions designed to identify & mitigate areas of potential risks in a dynamic insurance ecosystem; Continuously upgrading the knowledge repository of our medico team is something I am deeply passionate about.
Statistical Analytics in Insurance:
We have the ability to convert the pool of data into meaningful information and help insurers make better informed decisions
Role of Statistical Analytics: Policy lifecycle:
We take turnkey assignments of monitoring/ audit/ fraud surveillance pertaining to mass health schemes like RSBY and other state run similar schemes.
Activity is targeted towards identifying trends of abuse & fraud and advocating control measures
Insurance fraud refers to any act performed with the intent to obtain an illegitimate payment from an insurer.
The impact of Insurance frauds is far reaching & severe; higher premiums for honest consumers, billions of dollars in losses every year for the industry, trust deficit during assessment leading to delayed payouts…, just to name a few.
The insurance process chain is vast and the seed of the frauds can have their genesis at any/ all of its links. Starting from internal officials of the Insurer, sales channels & Intermediaries to Policyholders or their Nominees. It is thus important to know where the fraud graphs most intersect and you will see the highest density at hospitals, practitioners and diagnostic centres.
A high percentage of frauds viz. Inflated bills; unethical clinical practices are committed by health care providers (at times without knowledge of the policyholders).
InCHES X-CLAIM – pioneers of medical/ clinical audit in India offer entire range of medico-legal fraud containment / loss mitigation solutions. Our end to end service portfolio offers policy making advisory services as well as transactional implementation capabilities.
Thank you for your interest in INCHES X-CLAIM. Please contact us using the information below.
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