InCHES was founded with the vision of bridging the gap between medical expertise and insurance decision-making when insurance was privatised in India.

Recognizing that a significant percentage of insurance decisions—whether in underwriting or claims—are driven by medical insights, we understood that overseas insurance partners entering India would need to refine their processes to align with local requirements. Additionally, most insurance professionals managing underwriting and claims are either non-medical experts or non-practicing doctors, making external support essential for delivering high-quality results.

InCHES was envisioned to fill this technical gap, and today, we have built an extensive team comprising generalists, specialists, super-specialists, legal, forensic, and paramedical professionals, supported by a robust IT and analytics department with proprietary applications that enhance efficiency and accuracy.

Our Expertise and Services

With increasing frauds, abuse, and internal leakages, insurers require in-depth scrutiny of documents at both pre-issuance and claims stages. InCHES meticulously examines every document through its medical and legal teams, ensuring effective risk management, preventing non-disclosures, and enhancing claim integrity. Our comprehensive solutions include:

• Risk assessment at policy issuance to prevent fraud and undisclosed conditions.
• Claims management to ensure rational and fair claim settlements.
• Medico-legal opinions to aid in complex claim disputes.
• Concurrent audits for daily claim monitoring.
• Retrospective audits to analyze gaps, prevent financial losses, and refine processes for future risk mitigation.

Impact and Achievements

With over 25 years of experience, InCHES has successfully:

• Managed 3.6 million specific risk queries at the underwriting and claims stages.
• Analyzed over 30 lakh claim cases and manually audited 1,80,000 claims, saving insurers billions of INR.
• Provided expert input in over 1,400 Ombudsman and legal cases, offering rational, evidence-based opinions.

By addressing key pain points in insurance risk management, InCHES helps insurers reduce claim leakages, improve ICR (Incurred Claim Ratio), and optimize claim settlement processes, ensuring financial sustainability and operational excellence.