Article Summary This article by Saurabh Tiwari, CTO, Policybazaar, examines how InsurTech is redefining the insurance claims process as a seamless, consumer-first service experience. The author argues that claims - not premiums or policy documents - represent the true test of insurance's promise to consumers. AI-powered fraud detection has delivered a 14x improvement in the Early Claims Factor in life insurance since 2022. Readers will understand how technology is turning opaque claims...