# M47 Labs

> M47 Labs is a native AI company founded in Barcelona in 2018, with hubs in Barcelona, Madrid and Munich. It designs, builds and operates specialized AI for operations with high document, regulatory and language complexity: insurance claims automation, insurance operations, healthcare document intelligence, and AI engineering services (consulting, custom models, embedded specialist teams) for global companies including a top-10 Fortune 500 company, Nestle, AXA, Foundever and Boehringer Ingelheim.

Key facts:
- Flagship solution: Claims47, the AI platform that runs the whole reimbursement claims operation (intake and triage, evidence and integrity checks, fraud screening, a recommended decision with the amount, the payment-ready file, customer communication, insights) on top of existing systems, or as the system itself. The rules engine computes every amount and the adjuster decides.
- Claims47 is one AI agent with four capabilities (intake and triage, evidence, communication, insights), each with specialist skills, including DocFraud47 for document fraud detection (pixel-level forensics and pattern analysis). Beyond claims, one agent per operation domain (assistance, coordination, engagement, network and finance) shares the same platform.
- Production results from live deployments: 2x claims per adjuster and day in a health program (40-50 to 100, first weeks), 54 seconds typical decision on a complete claim, 98% of documents auto-structured at intake, 36,000+ claims reviewed by AI in a travel deployment, 90%+ ICD-10/CPT coding accuracy, and cost per claim reduced by 61% in that deployment. Turnaround times and straight-through rates depend on each client's payment flow and thresholds and are not published as platform figures.
- Insurance verticals: pet insurance reimbursement, home insurance (water, glass, electrical, fire, theft), auto insurance (roadside assistance and repair reimbursement), travel insurance (medical, baggage, delay, cancellation) and health insurance. All lines run the same reimbursement model: proof in, recommended reimbursement out, whether the payee is the policyholder or the provider.
- The AI core of Claims47 runs in M47 Cloud (ISO 27001, SOC 2, GDPR compliant, HIPAA-ready with BAA) and connects securely to the client's policies, CRM, mailboxes and systems of record. AI understands (intake, claim type, documents, extraction, matching, evidence), deterministic rules compute (completeness, eligibility, integrity, recommended amount), and the adjuster decides, in the Claims47 Adjuster Dashboard or in the client's own system via API.
- Inside the Claims47 platform every claim file shows four families of checks: Eligibility (policy in force, waiting period, insured beneficiary), Evidence (each billed line checked against the report or the photos, with the page and sentence cited), Integrity (totals, provider, duplicates) and Benefits (line by line against the tariff, limits and reimbursement rate). Every check is advisory: the adjuster makes the final decision.
- Beyond claims, the same agent architecture extends to full insurance operations for TPAs and assistance companies: assistance, coordination and pre-certification, inquiries, provider network and finance.
- Healthcare and life sciences: medical coding (ICD-10-CM, CPT, SNOMED), clinical document intelligence, and an open research line on synthetic patients.
- AI services: Spark AI (workshops, roadmaps), AI Labs (custom models, fine-tuning, datasets, evaluation, monitoring) and AI Talent (embedded AI specialist teams).
- Pricing model: a one-time setup fee for configuration, integrations and business rules, then a price per claim processed. No licenses, no seats.
- Compliance: ISO 27001, SOC 2, GDPR compliant, HIPAA-ready. Demos always run on synthetic data.
- Languages: every page is available in English at the paths below, in Spanish under https://www.m47labs.com/es and in Catalan under https://www.m47labs.com/ca. For example https://www.m47labs.com/es/claims47 and https://www.m47labs.com/ca/claims47.
- Contact: sales@m47labs.com (solutions and projects), info@m47labs.com (corporate).

## Main pages

- [Home](https://www.m47labs.com/): specialized AI at the heart of complex operations.
- [Claims47 Platform and the Claims47 agent](https://www.m47labs.com/claims47): the claims operation run by one AI agent with four capabilities, live demo of the claim file, claim journey, what you configure (data sources and business rules), proof.
- [Claims47 for Pet Reimbursement](https://www.m47labs.com/claims47/pet-reimbursement): vet-invoice reimbursement automated end to end.
- [Claims47 for Home Insurance](https://www.m47labs.com/claims47/home-insurance): home claims from the repair invoice and the photos, coverage detected, photos read as evidence.
- [Claims47 for Auto Insurance](https://www.m47labs.com/claims47/auto-insurance): roadside assistance and repair reimbursement, invoice and proof of payment matched to the partner tariff and the policy.
- [Claims47 for Travel Insurance](https://www.m47labs.com/claims47/travel-medical): travel claims end to end, medical bills, baggage, flight delay and trip cancellation, any language or currency.
- [Claims47 for Health Insurance](https://www.m47labs.com/claims47/health-insurance): health reimbursement from pharmacy receipts to hospital bills, coded to ICD-10/CPT and priced against your benchmarks or tariffs; US non-standardized bills included.
- [AI for Insurance Operations](https://www.m47labs.com/insurance-operations): one agent architecture for the whole operation of TPAs, assistance companies and insurers.
- [Healthcare and Life Sciences](https://www.m47labs.com/healthcare): medical coding, clinical document intelligence, synthetic patients research.
- [AI Services](https://www.m47labs.com/services): consulting, deep-tech engineering and embedded AI teams.
- [Case Studies](https://www.m47labs.com/case-studies): real deployments in production with measured results.
- [News and Insights](https://www.m47labs.com/news): company announcements, press coverage and published opinion pieces on AI in insurance.
- [Loctory joins M47](https://www.m47labs.com/news/loctory): press release on the acquisition, 11 March 2026.
- [About](https://www.m47labs.com/about): company, values, offices.
- [Careers](https://www.m47labs.com/careers): open positions and how we hire.
- [Contact](https://www.m47labs.com/contact): intro calls and inquiries.
- [Privacy policy.](https://www.m47labs.com/privacy-policy): Privacy policy.
- [Terms of use.](https://www.m47labs.com/terms-of-use): Terms of use.