Automated Underwriting & Risk Operations untuk ekosistem kesehatan Indonesia.
AURORA — Automated Underwriting & Risk Operations Review Assistant — menyatukan TPA, Smart Clinical Pathway, Telemedicine dengan rPPG vital sign, Fraud Detection, dan Wellness ke dalam satu platform AI-native untuk asuransi di Indonesia.
AURORA — kepanjangan yang menjelaskan misi.
AURORA — Automated Underwriting & Risk Operations Review Assistant — enam huruf, satu platform, 14 pilar terintegrasi.
Automated
AI-native engine — adjudication, scoring & decisioning otomatis tanpa intervensi manual.
Underwriting
Health risk scoring + IFRS17 + actuarial pricing dengan precision 87%+ confidence.
Risk
Multi-layer risk detection — FWA · clinical pathway · provider performance · reinsurance.
Operations
End-to-end TPA · claims · GL · billing · member · provider · telemedicine — satu sistem.
Review
Continuous audit · pathway deviation · cost leakage · ESG reporting · executive insights.
Assistant
AI co-pilot per role — broker, HR, underwriter, clinician, member — 24/7 cross-pilar.
Setiap huruf membawa janji
Dari klaim auto-adjudication hingga IFRS17 sign-off, dari risk scoring AI hingga ESG report — Aurora menggantikan workflow manual dengan engine yang transparan, cepat, dan compliant. Audit-ready dari hari pertama.
Dipercaya oleh perusahaan tier-1 Indonesia
Lihat Engine bekerja dalam 8 detik.
Pipeline real-time dari klinisi input → SCPA → Adjudication → Fraud check → Decision. Bandingkan dengan manual review yang butuh 24-72 jam.
Cloud-native, microservice-ready.
Production-grade Postgres + Redis + PgBouncer + Nginx WAF. Multi-replica, auto-scaling, zero-downtime deploy.
Fifteen modules. One operating system.
Tidak perlu beli software terpisah — semua kebutuhan health ecosystem ada dalam satu suite, terhubung end-to-end dengan single source of truth.
MediLeads
AI Demand & Opportunity Engine
- First insight in <10 seconds
- AI lead scoring HOT/WARM/COLD
- Auto-generated outreach materials
- Top-of-funnel discovery engine
BrokerHub
Insurance Marketer
- Per-client workspace + pipeline
- Auto-generated proposals
- Smart module recommendations
- Engagement tracking + buying signals
MediPlays
Healthcare Cost Simulation Engine
- What-if scenario engine
- Industry benchmark database
- Plan optimization advisor
- Multi-scenario compare
Biosense
Bio-sensing · rPPG · Health Underwriting
- 6-domain Health Score (GHS)
- rPPG vital scan capture
- Risk tier auto-projection
- Tier-priced premium suggestion
RiskMetrics
Risk Scoring · Pricing · IFRS17
- AI risk scoring 0-100 (XGBoost)
- 3-scenario dynamic pricing
- IFRS17 PAA · LRC · LIC · CSM
- Appointed Actuary sign-off
TeleDoc
Telemedicine + rPPG vital signs
- LD Former algorithm rPPG
- HR/BP/SpO2/stress estimate
- 30+ spesialisasi advisory
- Auto e-prescription
Pathway
Smart Clinical Pathway Advisor
- 1,200+ disease library
- Pathway adherence track
- 94% clinician adoption
- Cost benchmarking real-time
Provider
Provider Network Management
- 7 kategori provider unified
- AI Performance Score (PPS)
- Smart routing + referral mgmt
- Credentialing auto-verify
Advisory
Medical Advisory Board
- Clinical board consensus
- PNPK · WHO · NICE alignment
- Pathway deviation review
- Multi-disciplinary expert panel
Assistance
Health Assistance · TPA Operations
- Auto-adjudication 87%
- GL <2 jam emergency
- 120+ klien aktif
- BPJS + AdMedika integration
FWAGuard
Fraud · Waste · Abuse Detection
- 8 deteksi rules
- Real-time scoring
- Rp 8M+ recovery YTD
- Rule + ML hybrid model
Wellness
Preventive Care + HRA
- HRA scoring 0-100
- 12-week pathways
- Risk stratification
- Cost avoidance tracker
SmartRe
AI Reinsurance Marketplace
- 9-stage RFQ workflow
- Multi-criteria AI scoring
- Auto allocation optimizer
- Treaty binding + recovery
RiskPanel
Reinsurance Optimization
- XoL · QS · Stop Loss · Hybrid
- Monte Carlo PML simulation
- Optimal layer structuring
- Solvency-ready reports
Analytics
Cross-Pilar BI · Executive Insights
- Real-time executive dashboards
- Cost leakage tracker
- Utilization & adherence analytics
- ESG & regulatory reports
Dari registrasi sampai outcome tracking.
Member daftar / di-onboard HR
Self-service registration atau bulk-upload via API. Verifikasi NIK, blind-index, dan KYC.
Klinisi input pathway / submit klaim
SCPA engine kasih recommendation real-time. Auto-validate dengan benefit eligibility check.
Engine adjudication + fraud check
87% klaim auto-approved jika benefit cocok dan tidak ada flag. Sisanya ke reviewer.
Pembayaran & monitoring outcome
Auto-disburse ke RS / member. Wellness engine track outcome long-term untuk premium adjustment.
Untuk siapa platform ini?
TPA / Insurer
- Auto-adjudication 87%
- Fraud recovery 8-15%
- Loss ratio analytics
- BPJS + AdMedika integration
Korporasi / HR
- Member roster real-time
- Utilization report
- Wellness ROI tracker
- Invoice + AR aging
RS Partner
- Provider portal self-service
- GL pre-authorization
- Performance benchmark
- Fast-track payment
Klinisi / Dokter
- Pathway recommendation
- Disease library 1,200+
- Telemed dengan rPPG
- E-prescription
Member
- Self-service claim
- Teleconsult 24/7
- Wellness program
- HRA tracking pribadi
Regulator / Auditor
- Audit log immutable
- ISO 27001 compliance
- GDPR data subject
- IFRS 17 reports
Bayar dirinya sendiri dalam 6 bulan.
Berdasarkan rata-rata client kami dengan 5,000+ member dan volume klaim 2,000+ per bulan.
Trusted by industry leaders.
"Auto-adjudication engine Aurora menghemat tim klaim kami 12 jam per hari. ROI tercapai bulan ke-3."
"Live rPPG di teleconsult adalah game changer. Pasien hipertensi bisa monitor BP harian tanpa beli alat."
"Fraud detection engine identify 8% saving di tahun pertama — Rp 8.4 miliar saved."
Transparent. Scalable. Fair.
14 hari trial gratis. No credit card required.
- Klaim & GL otomatis
- Member portal
- Wellness HRA
- Email support 5x10
- Semua di Starter
- AI fraud detection
- Telemedicine + rPPG
- Multi-tenant clients
- Priority support 24/5
- Unlimited member
- On-prem / private cloud
- SLA 99.9%
- Dedicated CSM
- ISO audit support
- Custom integration
Pertanyaan tersering.
Apakah Aurora compliant dengan UU PDP No. 27/2022?
Ya. Field-level encryption AES-256-GCM untuk PII (NIK, email, phone), blind index untuk searchable encryption, audit log immutable, hak akses/rektifikasi/penghapusan via /api/gdpr endpoints.
Berapa lama implementasi sampai go-live?
2-4 minggu untuk Starter (cloud SaaS, sudah ada data). 6-12 minggu untuk Enterprise (on-prem + custom integration BPJS/AdMedika).
Apakah rPPG dari Aurora akurat untuk diagnosis?
rPPG bersifat screening/indikatif, bukan diagnostik. Estimasi BP & SpO2 perlu kalibrasi untuk akurasi klinis. Untuk keputusan klinis kritis, gunakan device terkalibrasi sphygmomanometer/pulse oximeter.
Bagaimana data member diproteksi?
8 lapis defense-in-depth: TLS 1.3, AES-256-GCM at rest, field-level encryption PII, RBAC dual-level (UI+API), rate limiting, CSRF protection, audit logging, dan compliance ISO 27001 A.10.
Apakah bisa integrasi dengan BPJS Kesehatan / AdMedika?
Ya. Service integrasi terpisah dengan HMAC-signed webhooks. Mendukung BPJS Kesehatan, AdMedika, payment gateway (BCA, Mandiri), dan SMS gateway.
Berapa SLA uptime di Enterprise tier?
99.9% uptime guaranteed (max 8.7 jam downtime/tahun). RPO 1 jam, RTO 4 jam dengan multi-region failover dan automated backup terenkripsi GPG ke S3.
Siap transformasi healthcare ekosistem Anda?
Live demo 30 menit dengan tim solution engineer kami. Lihat bagaimana Aurora fit ke workflow operasional Anda — tanpa komitmen.
