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AI Insurance Intelligent Control System
A large-model-driven closed loop covering underwriting, risk control and claims, enabling intelligent adaptation across multiple lines and scenarios with automated risk decisions.
AI-driven insurance technology innovation, building an intelligent, secure and efficient global insurance technology infrastructure.
Focused on the digital intelligence transformation of the insurance industry, empowering industrial upgrading through technology.
Pioneer Digital Tech Company Limited is a leading technology enterprise focused on the digital intelligence transformation of the insurance industry, building a full-chain insurance ecosystem with domain-wide AI technology.
The company is built on its self-developed Ainswift AI Insurance Foundation Model, and simultaneously develops and iterates a professional AI model matrix covering every participant in the insurance chain, delivering the AI Hospital Settlement Network for Commercial Insurance. Through full-process AI intelligent control, it minimizes manual intervention to the extreme, holding fairness and integrity as its core principle, privacy and security as its absolute baseline, and seamless efficiency as its service standard. It always stays centered on end-customer service experience, targeted at digital cost reduction and efficiency gains for insurers, and driven by the modernized digital sales system of insurance intermediaries. Across medical, insurance and financial cross-domain scenarios, it provides full-stack intelligent services including smart risk control, AI underwriting, autonomous iteration and optimization of multi-guarantee insurance models across hospitals and regions, smart accounting with privacy-grade synchronized real-time settlement, on-chain clearing, and bank API interconnection. It builds a closed-loop interconnection of hospital, insurer, bank and user, creating an open, trustworthy, secure and efficient new paradigm for the next generation of insurance technology.
From underwriting and risk control to clearing and settlement — full-chain digital services for insurance.
A large-model-driven closed loop covering underwriting, risk control and claims, enabling intelligent adaptation across multiple lines and scenarios with automated risk decisions.
Covering cross-hospital, cross-region and multi-guarantee business scenarios with autonomous insurance model optimization, smart accounting and privacy-grade synchronized real-time settlement.
Built on blockchain infrastructure, connecting insurance, medical and banking ecosystem nodes to deliver trusted, efficient and transparent cross-border medical expense clearing and synchronized settlement.
Standardized bank interface integration with fund clearing, automatic revenue split, real-time payment and reconciliation management in one financial settlement layer.
A globally unified medical direct-payment and intelligent assurance system that closes the loop across cross-border treatment, settlement and protection.
Founded on trusted commitment, bounded by safety and credibility, guided by the mission of solid protection.
Driven by technological exploration, aimed at excellence, and shaped by an ecosystem-wide vision.
DBST is the settlement credential token issued by DBS. Once insurers, partner hospitals, settlement banks and the operator connect to the same DBST, data sync, live adjudication and fund settlement run in one chain — and every settlement carries the insurance product name, the settled amount and verifiable records.
Preset liability rules and insurance product parameters in the DBS client, pay every case directly with no manual claim review; the settlement slip carries the insurance product name and the settled amount automatically.
DBST elements: entitlement · adjudication snapshotConnect once for live direct pay with zero upfront payment for patients; results are written back to the hospital, and refunds or top-ups re-calculate in real time inside the adjustment window.
DBST elements: personal feature codeExecute direct payment and clearing per the DBST payment instruction; the flow number is written back and bound to the settlement credential, then written off within the cycle, with the calculation result as the single basis for reconciliation.
DBST elements: payment instruction · bank referenceProvide the unified disease dictionary, the settlement chain and end-to-end records, executing the rules preset by each institution without re-judging the payable scope or amount.
DBST elements: settlement element checksumFrom "patients pay first, claim later" to "direct pay at the hospital, zero out-of-pocket": policy data syncs in real time, claims are calculated on preset rules, results are locked, the bank clears at T+1 and transactions are written back for reconciliation — every step traceable. An interactive settlement timing simulator is included on the page.
To learn more about the Ainswift AI Insurance Model, the AI Hospital Settlement Network, or the DBS Direct Settlement Platform, please get in touch.