You price risk today. You find out in five years.
A reserve revised four times, with nothing in the file explaining any of them.
Reserves are supposed to move as information arrives. This one moved without any.
What else dhi looks for
A claimed amount and an assessed amount far apart, with nothing on file reconciling them. Not a fraud signal - it fires equally when the adjuster is wrong.
Underwriting and claims deciding on the same class within one cycle, neither referencing the other. Two committees with opposite incentives on the same risk.
The same ex-gratia rationale, granted independently, three times. Discretion that has become practice.
A claim past a statutory stage deadline, with no advancing record.
What dhi will not do here
dhi never sets or suggests a reserve.
Surfacing that a reserve moved without recorded justification is a different act from having a view on what the figure should be. We do not have one, and the system cannot produce one.
And no finding characterises a claimant. Where a finding concerns a person outside the institution and is adverse to them, it requires human review before it reaches anyone, must cite specific evidence rather than a score, and is never sufficient basis for a decision alone.
Domain model and pattern library complete.
Live design partnerships in Indian banking and insurance.
Deploy dhi in your claims or underwriting operations
Run a pilot in shadow mode on historical reserve revisions and claim files.