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Claims
Automated claims adjudication with auditable clinical rules. Fraud detection, real-time pre-authorizations, integration with the provider network. Cuts loss adjustment expense by up to 73%.
A single layer connects the patient journey with the insured journey. Claims, identity, endorsements, provider network and policies — orchestrated on top of vittae360's certified clinical infrastructure.
Symphonia is not another SaaS. It's the layer that orchestrates the health and insurance flows that today live in scattered systems — no migration, no rip-and-replace.
Automated claims adjudication with auditable clinical rules. Fraud detection, real-time pre-authorizations, integration with the provider network. Cuts loss adjustment expense by up to 73%.
Clinical KYC + biometrics + eligibility verification in a single transaction. Connection to CURP, IMSS, INE. A single identity layer for patient, physician, provider and broker.
Automated endorsements with versioned business rules. Plan changes, beneficiaries and coverage extensions processed without touching the legacy core.
Network management with dynamic fee schedules, optional blockchain contracts and measured clinical quality. Clinic onboarding in 48h. Automated settlement and reconciliation.
Policy issuance, management and renewal with a pluggable actuarial pricing engine. Integration with core systems (Guidewire, Duck Creek) via API. Customization by product line.
Symphonia doesn't just connect systems — it enriches them. Every claim adjudicated, every endorsement processed, every policy issued goes through AI agents that filter fraud, suggest routes and learn from every case.
Claims processed in <5s with a human in the loop. 92% with no escalation.
An API that classifies symptoms and routes to the right resource from your insurance or bank app.
Models that estimate chronic-disease risk, outbreaks and costs before they happen.
Symphonia inherits vittae360's critical assets — NOM-024 certification, clinical EHR layer, AI agents — and orchestrates them for insurer use cases.
NOM-024 + ISO 27001 + SOC 2. The only orchestrator in Mexico that is also a certified clinical record.
Native connectors to core systems (Guidewire, Duck Creek, Sapiens). Symphonia sits on top, not underneath.
Victor + Valentina trained specifically on health and insurance flows. Pre-adjudication, clinical triage, fraud detection.
REST + webhooks. SDKs for iOS, Android and Web. SLA 99.95% with p99 latency < 200ms.
Servers on national territory. Compliant with LFPDPPP + COFEPRIS. Immutable audit log for regulators.
No pre-paid enterprise licenses. You pay per claim processed, per policy issued, per endorsement managed. Predictable marginal cost.
Three profiles Symphonia was built for.
Major medical, life, personal accident, hospitalization. Full health line. Reduce LAE, improve NPS, open D2C channels.
Insurtechs and bank joint-ventures. A modern stack from day one, time-to-market 6× faster vs. building it.
B2B2C healthtechs that want to offer embedded insurance to their users. Symphonia delivers the unified insurer-clinical rail.
"Symphonia let us launch the digital health line in 90 days. What used to take 18 months of roadmap and $8M USD of budget now runs on a layer we update with weekly releases."Verónica Treviño · VP Digital, top-3 insurer in Mexico
For early-stage insurtechs and pilots. No fixed fee, only marginal cost per claim/endorsement/policy processed.
For top-10 insurers with volumes >100K transactions/month. Tiered pricing + dedicated Customer Success.
For strategic players (banks, large retailers) that want to co-build an embedded insurance+health product.
Leave us your details and we'll show you the orchestrator live with a real case. No slides — straight to the console. Response in under 24 business hours.