Papaya

Papaya is an insurance technology company focused on Life and Health insurers across Asia-Pacific. Its platform, The Oasis, automates complex workflows in claims, underwriting, and fraud, waste, and abuse detection. Rather than providing only software dashboards, Papaya’s AI agents process cases from submitted documents through assessment and decision-making, with exceptions routed for human review and actions supported by source citations and audit trails.

The platform’s claims tools extract and classify documents, validate medical necessity and policy benefits, screen for potential fraud, and support claim adjudication. Its underwriting workbench evaluates application documents, checks findings against guidelines, and produces priced, auditable recommendations. An integrated risk engine connects underwriting, claims, and fraud screening, while configurable capabilities include provider analysis, billing forensics, and policy interpretation.

A central feature is Papaya’s structured data layer. It turns information from claims and underwriting files into cited data associated with a longitudinal profile for each insured person, helping insurers make use of information previously held in documents.