90-day free pilot — no subscription fee, no onboarding fee

YYouClaims Officer

AAdaezeCompliance Lead

TTundeFinance Director

NNgoziHMO Administrator

Claimsadjudicated.Booksreconciled.

Before your next meeting.

AI-powered claims adjudication and bank-to-GL reconciliation for Nigerian HMOs. Built for speed, compliance, and the way your team actually works.

< 3 secper claim decision

₦0to start the pilot

7 layersof fraud detection

Start the free pilot →Sign in ↗

Why teams switch to Qubiclo

Saves timeCuts costFraud detectionAI-poweredReal-timeAudit-ready

$4.5B+

Lost to health insurance fraud globally every year

4.2 days

Average time to review one claim at a Nigerian HMO

3–5 days

Lost every month on manual bank reconciliation

< 3 sec

Qubiclo average decision time

Sound familiar?

Your best reviewers
are doing manual work.

✕The same claim gets touched three times before a decision

✕Fraudulent claims slip through — reviewers can't catch everything

✕Provider overbilling discovered weeks after payment has gone out

✕Your finance team loses a week every month on reconciliation

How it works

Submission to decision.
Under 3 seconds.

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

Starter

For growing claims teams

Recommended

Growth

Most HMOs land here

Enterprise

Custom volume & SLAs

See all plans →

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.