Defensibility & exposure
What is this claim worth?
Know the likely award range before the claimant's lawyer does. Spot the gaps. Reserve accurately. Decide on settlement with numbers, not instinct.
One-click award range — deterministic, not guesswork
NRD applies the Supreme Court's Pranay Sethi formula — the authoritative MACT compensation method — to the structured evidence in each claim file. The result is a deterministic range: not a probability estimate, not an AI prediction, but a calculation grounded in the same framework a tribunal uses. Age, income, dependants, disability percentage, multiplier — all drawn from verified documents.
Where a document is missing or unverified, the range widens and the gap is flagged, so you know exactly what uncertainty you are carrying.
Reserve adequacy — over or under, flagged on every claim
Your current reserve against the Pranay Sethi range, shown per claim. Files where reserves are materially short are highlighted in amber or red before a hearing, not after a tribunal order. Files that are over-reserved are flagged too — capital tied up unnecessarily is its own cost.
The flag is a decision-support signal, not a mandate. Your claims officer reviews and acts. NRD keeps the record of what was flagged and when.
Settlement ceiling — what makes sense to offer
Given the award range and the cost of continued litigation (panel fees, delay, tribunal uncertainty), NRD surfaces a settlement ceiling for each claim. This is presented as a decision-support number — your team decides whether to negotiate and at what level.
For predictive inputs (e.g. likelihood of a particular tribunal outcome), NRD presents these explicitly as estimates with stated assumptions, never as facts. Deterministic inputs — the Pranay Sethi formula, documented income, verified disability — are computed exactly.
Contradiction and gap map — catches what your surveyor missed
NRD cross-references every document in the claim file: medical records vs disability certificate, income affidavit vs employer letter, FIR vs accident reconstruction. Contradictions — where two documents say different things — are surfaced automatically.
Gaps — documents that a claim of this type should have, and doesn't — are listed with their evidentiary weight. A missing post-mortem report means something different to a head-injury claim than to a limb-fracture claim. NRD applies per-claim-type checklists, not generic ones.
The result is a short map: what is solid, what is weak, what is missing. Your legal team gets this before the next hearing.
Built for a regulated buyer
India-resident · audit-logged · isolatedData stays in India
All claimant data processed and stored in ap-south-1 (Mumbai). Consent manager, retention TTLs, 72-hour breach workflow.
DPDPA 2023CERT-In aligned
180-day log retention, 6-hour incident reporting, NTP-synced clocks, continuous monitoring.
CERT-In 2022Encrypted per-tenant
AES-256 at rest via customer-managed KMS keys. Immutable audit archive on Object-Lock (WORM).
KMS · WORMHard tenant isolation
Your claim file never touches another insurer's tenant. Lanes stay separate — enforced, not promised.
per-insurerChain of custody
Every retrieved document carries a tamper-evident, timestamped, court-ready certificate.
BSA S.63See defensibility on your claims book.
We'll run a pilot on a defined slice and show you the award range, reserve adequacy and gap map on real files.