Interpolgar Health
Line-by-line adjudication with deductible, coinsurance and caps; pre-authorizations; detection of upcoding, overbilling and doctor shopping.
Insurance and credit decisions that explain themselves
Interpolgar Nexus brings health, auto, life, retirement and lending together in one explainable-AI platform: every approval, denial or fraud alert comes with its reasons and evidence, recorded in a log nobody can alter.
- AES-256 encryption per insurer
- Immutable audit trail
- English and Spanish
- API and signed webhooks
See it in 90 seconds
A walkthrough of the real platform with demonstration data: health, auto, loans and security.
The problem
- Slow manual review of documents and claims
- Fraud and overbilling paid before they are detected
- “Black-box” rules neither regulators nor customers understand
- Separate systems for every line of business
One platform, five lines of business
Auto
Actual cash value, total loss, parts depreciation; repair shops that inflate estimates; theft without a police report and early claims.
Life
Quoting and underwriting with risk classes; 2-year contestability; terminal-illness advance; beneficiary monitoring.
Retirement
Projection in today’s money, required contribution to reach the goal, withdrawals with penalties and anti-money-laundering controls.
Loans
Explainable A–E score, DTI/LTV, delinquency buckets, staged provisions and restructuring with a computed offer.
What makes it different
Explainable AI
Every decision lists the factors and points behind it. Built for auditors and regulators.
Rules as data
Insurers change thresholds and flows without code and simulate the impact before publishing.
Tamper-proof audit trail
A verifiable hash chain: nothing is altered or deleted without it showing.
Multi-insurer
Per-customer isolation, own branding (logo and colors) and language per insurer.
Insured portal
Policies, payments, claims and documents in self-service, without exposing internal fraud data.
Fast integration
Scoped API keys, signed webhooks with retries, idempotent CSV import and Stripe.
Try it now (real engine calculators)
These calculators use the same formulas as the platform. Your data never leaves your browser.
Illustrative reference only; not an offer or a binding quote.
Security by design
- AES-256-GCM encryption with a per-insurer key and key rotation
- Hashed passwords, 15-minute sessions with rotating refresh, and two-factor (TOTP)
- Role-based permissions, IP allow-lists and suspicious-behavior alerts
- Multi-insurer isolation and a verifiable chained audit log
- Signed webhooks with SSRF protection; encrypted backups
- Architecture aligned with OWASP, HIPAA and SOC 2 (formal certifications are part of the pre-production plan)
Pilot program
We are looking for insurers, claims administrators (TPAs), credit unions and banks that want to test Nexus for 90 days against measurable goals: review time, fraud detected and estimated savings. Special pricing for early customers.
Frequently asked questions
Does it replace my policy system?
Not necessarily. Nexus can run as an intelligence layer on top of your current system through API, webhooks and portfolio import, or as a full platform for new operations.
How are the AI decisions explained?
Every decision shows the factors, points and rules that produced it, and the audit log keeps the evidence. It is not a black box.
Where is the data hosted?
In the cloud or on your own infrastructure, with per-insurer encryption. The production plan includes PostgreSQL with row-level isolation.
Is it certified?
The architecture is aligned with OWASP, HIPAA and SOC 2. Certifications and an independent penetration test are in the plan before handling real data.
Which languages does it support?
English and Spanish across the platform: interface, reports, alerts and messages.