Claims adjudicated.
Books reconciled.
AI-powered claims adjudication and bank-to-GL reconciliation for Nigerian HMOs. Built for speed, compliance, and the way your team actually works.
$4.5B+
Lost to health insurance fraud globally, every year. Qubiclo catches it before the claim is ever paid.
Sound familiar?
Your best reviewers
are doing manual work.
Qubiclo Claims
Submission to decision.
Under 3 seconds.
Every claim runs through your benefit rules, contracted rates, and fraud signals automatically — before a human ever opens it. Straightforward claims resolve on their own; only genuine exceptions reach your review queue.
- API, spreadsheet, PDF, or portal link — Qubiclo meets your team where they are
- Rules, contract rates, fraud signals, and clinical patterns checked on every claim
- A plain-English reason and full audit trail behind every decision
Qubiclo Reconcile
Close month-end
in minutes, not days.
Upload your bank statement and GL export. A 4-level matching engine — exact, fuzzy, AI, then human — resolves the bulk automatically, so your finance team only sees what genuinely needs a second look.
- Any format, any bank — CSV, Excel, or PDF, mapped once and reused
- A structured discrepancy queue instead of a shared spreadsheet
- AI explains why a fuzzy pair was matched or skipped
How it works
Three steps. One platform.
Submit your claims
API, spreadsheet, PDF, or portal link. Qubiclo meets your team where they are.
Every check runs automatically
Rules, contract rates, fraud signals, clinical patterns — before a human opens it.
Clear outcome, full audit trail
Approved, flagged, or blocked — with a plain-English reason and a record for every auditor.
What's inside
Two products. One platform.
3-second adjudication
Straightforward claims resolved automatically. No queue, no backlog.
7-layer fraud detection
Duplicates, overbilling, volume spikes, clinical patterns — all caught before you pay.
Bank-to-GL reconciliation
4-level matching engine. Humans only see what the algorithm genuinely can't resolve.
Provider rate enforcement
Claims billed above your contracted rate are flagged automatically, every time.
Configurable rulebooks
Set your benefit rules once. Qubiclo applies them to every claim that comes in.
Audit-ready by default
Every decision logged, timestamped, and producible for regulators on demand.
Works with what you have
REST API, CSV, Excel, PDF, portal links — no new habits, no IT project.
Plans
Start free for 90 days. Scale on your terms.
Every plan is scoped to your claim volume and compliance needs — talk to us and we'll recommend the right fit.
Free Pilot
90 days, up to 500 claims
Contact us
Starter
For growing claims teams
Contact us
Growth
Most HMOs land here
Contact us
Enterprise
Custom volume & SLAs
Contact us
Straight answers
Questions before you pilot.
Is the pilot actually free?+
Yes — 90 days, up to 500 claims, no card required. We scope a paid plan with you only once you've seen Qubiclo run against your real claim volume.
Where does our claims data live?+
In your own isolated environment, encrypted at rest and in transit. Nothing is shared across HMOs, and every decision is logged for audit from day one.
Do we need to change our workflow?+
No — submit claims however you already do: REST API, spreadsheet upload, PDF, or a portal link. Qubiclo fits around your existing process, not the other way round.
What happens to claims Qubiclo isn't sure about?+
They're flagged with a plain-English reason and routed to your review queue — Qubiclo only auto-resolves claims it's confident about.
The HMOs pulling ahead aren't doing this manually.
Closed pilot. Nigerian HMOs only. Live in the first week.
Apply for the free pilot
No commitment. We'll reply within 48 hours.