We don't sell insurance software.
We process healthcare.insurance.
The Oasis — AI agents that extract, classify, assess, detect fraud, and adjudicate claims in under 60 seconds. Every country. Every product.
Claims Pipeline
LIVEExtract
Agentic OCR + NLP
Classify
Type + Route
Assess
Clinical + Policy
Screen
FWA Analysis
Decide
Adjudicate
CLM-2026-04891
Outpatient — Dental Filling
CLM-2026-04892
Inpatient — Cardiac Surgery
CLM-2026-04893
Inpatient — Knee Replacement
50+
AI Agents
5M+
Medical Records
99%+
OCR · 95%+ Hand
<60s
Per Claim
3
Markets Live
94%
Auto-rate
Services
Comprehensive insurance services, powered by intelligence.
From TPA claim processing to healthcare benefits to custom technology — everything insurers and corporates need, delivered faster.
TPA
Claim Processing
End-to-end third-party claims administration. From document submission to reimbursement — faster than any traditional TPA.
Claims processed in under 9 minutes
Healthcare
Health & Wellness Benefits
Comprehensive healthcare benefit programs — annual health checkups, diagnostic testing, medication coverage, and wellness packages for corporate clients.
Technology
Custom Platform Solutions
Research, design, and build insurance technology tailored to your business — from sales platforms to integrated claims systems to custom products.
Trusted by leading insurers and enterprises
The Thesis
For every dollar spent on insurance software, six are spent on insurance services.
The $50–80B claims adjusting market. The $140–200B brokerage market. These aren't software opportunities — they're labor replacement opportunities.
Copilot
Sells the tool
Tool budget
Autopilot
Sells the work
Work budget — 6x larger
Framework: Sequoia Capital, “Services: The New Software”
Claims Intelligence
Six agents. One pipeline. Under sixty seconds.
Not a dashboard for adjusters — the adjuster itself. A 6-agent pipeline that takes a claim from raw documents to a fully adjudicated decision, with complete audit trail and policy citations.
6
Agent Pipeline
<60s
Processing
3
Markets Live
Document Extraction
OCR + NLP for Thai, Vietnamese, Chinese, English documents
Classification
Auto-classify inpatient, outpatient, dental, maternity, accident
Medical Necessity
Clinical pathway validation against 60K+ medical records
Benefit Assessment
Policy-level calculation — sublimits, deductibles, co-pays
FWA Screening
Six-factor fraud analysis runs in parallel
Adjudication
Auto-approve, flag, or escalate with full audit trail
Fraud, Waste & Abuse
Evidence-based detection. Zero hallucination.
Every flag is backed by data from the claim itself. We'd rather miss a flag than fabricate one. Six-factor analysis, maximum 8 flags per claim — quality over quantity.
6
Detection Factors
0
Hallucinated Flags
8
Max per Claim
Timing Analysis
Policy-to-claim gaps, frequency patterns, escalation
Clinical Validation
Diagnosis-treatment mismatches, contradictions
Billing Forensics
Duplicate billing, upcoding, unbundling, overpricing
Provider Intelligence
Concentration risk, location mismatch, collusion
Document Forensics
Image manipulation, inconsistent dates, discrepancies
Policy Exploitation
Coverage change timing, benefit maximization patterns
Underwriting Engine
Risk assessment at the speed of data.
Transform underwriting from weeks to minutes. Automated risk evaluation, dynamic pricing, and application processing with actuarial precision.
100%
Rule Coverage
Minutes
Not Weeks
Multi
Product Lines
Application Processing
Automated intake, validation, and enrichment
Risk Assessment
Multi-factor scoring against underwriting guidelines
Dynamic Pricing
Real-time premium calculation based on risk profiles
Policy Issuance
Automated issuance, renewal, and endorsement processing
Open Integration
OpenAPI. SDKs. MCP. Your way in.
Full OpenAPI spec for every endpoint. Native SDKs for five platforms. MCP server for AI agent interoperability. Integrate Papaya into any workflow, any stack, any AI agent.
OpenAPI
Full Spec
MCP
AI Protocol
5
Native SDKs
// OpenAPI client
const client = createClient('api.papaya.asia')
// Submit a claim
const result = await client.claims.submit({
documents: [invoice, receipt],
policyId: 'POL-2026-001'
})
// MCP — AI agent access
const mcp = createMCPServer({
tools: ['submit_claim', 'get_benefits']
})The Vision
From claims processing to full healthcare intelligence.
Each market we enter compounds our data advantage. Each product line we add deepens the moat.
Now
Claims Autopilot
End-to-end claims processing. 17 AI agents. Under a minute. Live in Thailand, Vietnam, and Hong Kong.
Next
Insurance Intelligence
Underwriting that prices risk in real-time. Provider networks that self-optimize. Compliance that adapts before regulations take effect.
Horizon
Healthcare Operating System
When intelligence becomes infrastructure, the boundary between insurance and healthcare dissolves.
Global Reach
Built for every market.
Deployed market by market.
Multi-tenant, multi-language, multi-currency. Market-specific document extraction, regulatory frameworks, and clinical pathways.
Thailand
Vietnam
Hong Kong
Indonesia
Philippines
Malaysia
Singapore
Ready to replace your claims process with a claims intelligence?
See how the Oasis processes insurance for your market, your products, your scale.