Mission

Circa 1995 – Privatization of Insurance industry in India was announced. The same year INCHES was launched with the knowledge and belief that since a large percentage of decisions in insurance are based on medical insights – be it underwriting or claims, overseas partners entering India would need to refine the processes to suit the Indian scenario. It was further realized that most of insurance professionals managing underwriting and claims are either non-medicos or non-practicing doctors.

INCHES envisioned to fill this technical gap and today we have an extensive team of medicos (generalists, specialists and super specialists), legal and forensic professionals; a robust IT and analytic department and a team to handle motor third party claims.

With increasing frauds, abuse and internal leakages INCHES fulfils the requirement of in-depth scrutiny of the documents and regularizing processes. Every document is scrutinized closely by the medical and legal team to ensure risk management at policy issuance and prevent non-disclosures; claim management at pay out stage; medico-legal opinions and evidence at legal fora; concurrent audit to assist daily monitoring; retrospective audit to understand the gaps, prevent losses and refine the processes to prevent such incidences in future, etc.; all the services given by INCHES helps address the pain points of the insurance companies and helps ease the pressure due to increasing ICR and claim settlement ratio and thus false pay-outs.

Over 25 years, team has managed 2.9 million+ specific queries (potential risk in underwriting and admissibility in suspect claims) each requiring each consuming medical intelligence; analyzed over 3 million claim cases and manually audited over 1,80,000 claims saving billios of INR to our clients. INCHES has also been a part of over 1800 cases at Ombudsman and other legal fora having opined for the insurance companies with rational inputs.

To add-on, with tech- driven portals and analytical tools, INCHES has made providing opinions to clients fast and hassle free.

Together we strive towards rationality of claim pay-outs and prevention of frauds, abuse, internal leakages and preventable losses.