Preventing High-Risk Claims with Predictive AI

Insurance Operations

70% reduction in hospitalization-related claims, £1 million daily savings for public and private insurers

Background

In the insurance industry, health-related claims—especially among aging and high-risk populations—represent a massive financial burden. Cera, working at the intersection of healthcare and insurance, aimed to flip the script: prevent claims before they happen using proactive, AI-driven care.

The Challenge

Traditional health insurance models are reactive—payouts happen after costly medical events like hospitalizations. For insurers and government payers alike, this means spiraling costs and limited control over risk. The need was clear: predict who’s likely to deteriorate and intervene early.

The Solution

Cera developed and deployed AI-backed risk prediction tools designed to reduce avoidable hospitalizations—the costliest category of health claims. The system:
Processes real-time health signals from over 2 million home care visits monthly
Predicts deteriorations (e.g. infections, falls, chronic flare-ups) before they become emergencies
Alerts care staff and insurers for preemptive intervention
Links directly to insurance workflows to flag risk-adjusted care plans and reduce payout exposure
With a workforce of nearly 10,000 carers and nurses, Cera operationalized the AI insights at scale—turning prediction into prevention.

What the Retail Chain Said

By integrating predictive AI into care delivery, we’re preventing claims before they reach the insurer.

This case highlights the future of insurance: prevention over payout. Cera and Azranta’s collaboration proves that when AI, care, and insurance align, it’s possible to reduce both human suffering and financial exposure—at unprecedented scale.

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Up to 70% drop in hospital-related claims, slashing high-severity payouts

£1 million in daily savings for government and private insurers

Faster interventions, reducing claim frequency and length

Smarter underwriting insights, helping insurers price and manage risk more accurately

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