🛡️ Coverage & Claims Copilot

Auditable AI that answers "Am I covered?" using only policy clauses — refuses to hallucinate.

Features

• 🔐 User Authentication - bcrypt password hashing
• 💾 Data Persistence - Policies survive refresh
• 🔒 User Isolation - Each user sees only their data
• 📋 Audit Trail - All queries logged
• 🤖 Qwen2.5-72B via HF Inference API

Quick Start

1. Create account or login
2. Get HF API token (free): https://huggingface.co/settings/tokens
3. Upload policy PDF
4. Ask questions - get cited answers

Architecture

User Auth → Policy Upload → Persist PDF + Chunks
                               ↓
Query → Retrieve → HF API → Validate → Log → Response

Storage

data/
├── app.db                     # SQLite: users, policies, logs
├── policies/{user_id}/*.pdf   # Isolated per user
├── chunks/{user_id}/*.json    # Clause JSON
└── vectorstore/               # ChromaDB

Security

• ✅ bcrypt password hashing
• ✅ User-isolated file storage
• ✅ PII warning on upload
• ✅ Query audit logging
• ✅ Hard refusal policy

Future Scope

Enhanced AI Capabilities

• Multi-document comparison - Compare coverage across different policies
• Claim assistance - Guide users through the claim filing process
• Risk assessment - Analyze coverage gaps based on user profile
• Smart recommendations - Suggest additional coverage based on queries

Improved User Experience

• Multi-language support - Support regional languages (Hindi, Tamil, etc.)
• Voice input/output - Audio-based query interface
• Mobile app - Native iOS/Android applications
• Real-time collaboration - Share policies with family members

Advanced Analytics

• Query analytics dashboard - Visualize common questions and coverage patterns
• Policy comparison matrix - Side-by-side policy feature comparison
• Premium insights - Trends in policy usage and coverage gaps

Integration & Automation

• Insurance provider APIs - Direct integration for policy updates
• Claim status tracking - Real-time claim progress monitoring
• Document OCR enhancement - Better extraction from scanned/handwritten policies
• Email notifications - Alerts for policy renewals and updates

Enterprise Features

• Organization accounts - Team-based policy management
• Custom LLM fine-tuning - Domain-specific model training
• API access - Programmatic integration for third-party apps
• Advanced security - SSO, 2FA, encryption at rest

Compliance & Regulation

• Regional compliance - IRDAI guidelines integration
• Explainability reports - Detailed reasoning audit trails
• Legal review mode - Flag clauses needing legal interpretation