CognitoClaims is a Singapore-founded AI company building the adjudication infrastructure health insurance in this region deserves.
Everything upstream of a claim — the consultation, the surgery, the recovery — is medicine. Everything downstream — the reimbursement, the premium, the trust — is finance. The claim is the hinge between them, and in Southeast Asia that hinge still runs on paper, patience, and unexplained decisions.
We believe adjudication should be fast where it can be, careful where it must be, and explainable everywhere. That's not a feature list — it's a standard the region's patients, providers, and insurers should be able to expect.
CognitoClaims exists to make that standard the default.
Dr. Chen founded CognitoClaims to fix the part of healthcare he has watched fail from every side of the table: claims decided slowly, inconsistently, and without explanation. He previously founded EUDA Health Holdings, a Southeast Asian healthtech group he led onto NASDAQ, and brings a career spent operating at the intersection of clinical practice, insurance, and technology in Singapore.
His conviction is simple: in a region where health insurance is becoming a necessity rather than a luxury, the infrastructure that decides claims should be as good as the medicine it pays for.
Any decision the engine makes must be replayable step by step. If we can't show the work, we don't automate the decision.
Automation earns trust by knowing its limits. Adverse and ambiguous decisions route to people — pre-analysed, evidence attached.
Health data is the most personal data there is. Our deployment model is built so it never has to leave your perimeter.
The documents, the languages, the products, the regulators of Singapore and Southeast Asia — not an imported model with a localisation layer.