# Curacel > AI\-powered insurance infrastructure for emerging markets ## At a glance | Field | Value | | --- | --- | | Category | Claims Technology | | Type | Solutions Provider | | Region | EMEA | | Headquarters | Lagos, Nigeria | | Founded | 2019 | | Stage | Growth | | Employees | 11-50 | | Funding | Seed | ## Overview Curacel is an AI-powered claims and insurance infrastructure platform serving carriers, insurers, and financial institutions across Africa and the Middle East. The company provides tools for claims automation, fraud detection, and insurance distribution -- primarily targeting organizations operating in emerging markets where manual processes remain prevalent. The platform comprises several AI modules covering health claims processing, motor insurance automation, document extraction, payment reconciliation, and a distribution API layer called Curacel Grow. Products are delivered as SaaS and API-first services, enabling insurers to integrate Curacel's capabilities into existing workflows. The company holds ISO 27001, SOC 2, HIPAA, and PCI DSS certifications. Founded in 2019 and backed by Y Combinator (W22 batch), Tencent, and Google, Curacel has raised USD 5.07M and serves 7,000+ organizations across 10+ African and Middle Eastern countries. Its Health AI module has processed over USD 100M in claims, and the Auto AI product has reached over 50% adoption among motor insurance users on the platform. ## Products & services ### Health AI Processes health insurance claims at scale with AI-powered workflow automation and fraud detection capabilities. **Key features:** - AI\-driven health claims adjudication - Fraud detection and anomaly identification - Processed over USD 100M in claims as of 2025 *Target users:* Health insurers and TPAs operating in African and Middle Eastern markets ### Auto AI Provides motor insurance underwriting and claims automation. **Key features:** - Motor claims intake and automation - Underwriting support tools - Over 50% adoption rate among motor insurance users on the platform *Target users:* Motor insurers and P&C carriers ### Extract AI Converts claim documents and supporting materials into structured data using document intelligence and OCR. **Key features:** - Document extraction and parsing - Structured data output from unstructured claim files - Supports multiple document types *Target users:* Insurers and TPAs processing paper\-based claims ### Support AI Automates claims support and routing using AI-powered chat capabilities. **Key features:** - AI\-assisted claims support routing - Reduced manual workload for support teams - Integrates with existing insurer workflows *Target users:* Claims operations and customer service teams at insurers ### Pay AI Automates payment operations and reconciliation for insurance and financial operations. **Key features:** - Payment workflow automation - Reconciliation and settlement processing - Designed for insurance and fintech use cases *Target users:* Insurers and intermediaries managing high payment volumes ### Curacel Grow An insurance distribution and management platform delivering APIs for insurance product distribution. **Key features:** - RESTful distribution API for insurance products - Supports agencies, intermediaries, and digital platforms - Enables embedded insurance distribution *Target users:* Agencies, brokers, digital platforms, and fintech companies distributing insurance ## Category & focus - Subcategories: Claims Automation, Fraud Detection, Insurance Distribution, Document Intelligence, API Platforms - Insurance verticals: Health, P&C Personal, P&C Commercial - Target customers: Carriers, Brokers, MGAs/MGUs, TPAs ## Notable customers - AXA - Old Mutual - Allianz - Wema Bank - Jubilee Insurance - Bupa Arabia - Sanlam - Topship - OnePort 365 - OZE ## Links - Website: - Directory profile: - About: - Linkedin: - Y combinator: --- *Last updated: 2026\-05\-17*