Fraud scoring for funeral and life claims
Veritas scores each claim as it arrives, so your team can pay honest claims quickly and send the risky ones for investigation. The scores draw on claims from every South African insurer in the network.
Veritas in Financial Year 2026
Figures for XTND's 2026 financial year.
Payout speed and fraud
Families expect funeral claims to be paid quickly, and fraud and PPR scrutiny keep rising. Asking claimants for more supporting documents catches more fraud, but it holds up payment to families who need the money that week. Most insurers ask for fewer supporting documents, and some fraudulent claims are paid.
Rule-based checks catch patterns someone has already written down. A new pattern, or one that started at another insurer, gets through.
The shared claims network
Funeral fraud rarely sits at one insurer. A syndicate may hold several policies on one fictitious person, spread across different insurers, with a different claimant at each. Each insurer sees one claim, and the supporting documents look in order.
Veritas learns from claims across every insurer in the network. A pattern found at one insurer this week is used in scoring claims at another insurer the following week.
Your book, pricing and proprietary information stay private.
How Veritas scores a claim
Each claim is scored when it arrives and shown as greenor red. Assessors can open the score and see which checks triggered it.
Death verification
Every death is checked against Home Affairs.
Fraud propensity
Several models score how likely the claim is to be fraudulent, using patterns from across the network.
Multiple claims
Flags a person insured under more than one policy, and more than one claimant for the same deceased.
Broker Identification
Identify Broker involvement in confirmed fraud.
Syndicate Identification
Identify new and established syndicate operations.
Provider history
Flags doctors and funeral undertakers linked to confirmed fraud.
Document reading, duplicate-claim detection and your own business rules sit underneath every score.
Veritas by role
Head of Claims
Fast-track low-risk claims using the supporting documents you already have, and focus your assessors’ time and expertise on claims with a higher probability of fraud. Veritas strengthens your risk identification and resource allocation, enhancing your claims assessment process without changing your existing workflows.
Forensic Investigator
Uncover linked claims, repeat patterns and connected claimants to expose fraud that might otherwise go undetected. Use transparent risk scores to prioritise investigations, focus resources on high-risk claims and strengthen evidence for informed decisions. Investigative findings continuously improve the propensity-for-fraud models, driving sharper detection and preventing avoidable payouts.
Finance & Actuarial Management
Stop fraud losses before they impact your bottom line. Identify and confirm fraudulent claims before payout, keeping millions in potential losses within your business and helping protect premium affordability. With a predictable, retainer-based fee structure, you can scale fraud prevention without unpredictable costs.
Head of IT
Enhance fraud detection with modern technology that integrates seamlessly into your existing claims environment — without replacing core systems. Veritas enables secure data exchange between environments, with a focus on protecting your proprietary data throughout the process.
Compliance and risk
Every score can be explained to a claimant or a regulator. PPR compliance is built into the investigation process.
Working with your current systems
Your rule engine, claims workflow and investigators stay in place, and Veritas adds a fraud score to each claim.
Veritas plugs into your existing investigation team, or comes with ours. If you have your own fraud examiners, your team works from the scorecard directly. If you don't, XTND's fraud examiners investigate the claims Veritas flags.
From claim to decision
The claim arrives
Through API integration, bulk upload or direct capture in Veritas.
Veritas scores it
The claim is checked against Home Affairs, the network and your own rules, and scored in seconds.
The claim is categorised
Low-risk claims show green. Claims that need a second look show red, with the reasons beside them.
Recommendation for settlement or investigation
Green claims move to payout. Red claims go to your investigators or ours for further investigation.
Start with ten claims
Send us ten funeral claims from this peak. We'll score each one and walk you through what the scorecard flags.
If your claims data is in order, Veritas can be scoring your live claims before December. If it isn't, we'll give you a list of what your team needs for the Easter peak.
Recent cases
Four claims, one fake death
Four funeral claims for the same woman reached four insurers in the same week. Veritas linked them, and our investigators found she had died in Mozambique years earlier.
How a fake death gets paid
Most of the fake-death funeral claims we investigate looked in order when they reached the claims desk. Each check the insurer ran came back clean.
Funeral fraud rises before December
Score every claim before you pay it.
Send us ten claims