Check policyholders when they subscribe and beneficiaries before a claim is paid
Insurers use RDCPASS to verify people against the national register. Policies can be sold remotely, and a claims handler can confirm who is claiming before any money leaves the company. When a claim turns out to rest on a false identity, it can be reported to the national fraud desk.
- Remote subscription with a face match
- Beneficiary check before each payout
- Claims fraud reported to the national fraud desk
Example journey
Paying a life-insurance claim to a beneficiary
RDCPASSCustomerKabeya M. Tshisekedi
COD-2103-0214-4937
The beneficiary enters their RDCPASS ID in your claims app and takes a selfie
The challenges
Claims fraud drives up losses
Borrowed identities, invented beneficiaries and staged claims are hard to catch when a claims handler checks documents by hand.
Honest claimants wait too long
Confirming who a beneficiary really is means paperwork and often a visit. Legitimate claims sit in the queue while the file is checked.
Policy files are incomplete
Policies sold through agents and partners often rest on photocopies. Years later, nobody can verify them or show what was checked.
How RDCPASS helps
Remote policy subscription
The policyholder is checked against their certified identity and takes a selfie to show they are the person subscribing. This works in your app or at an agent’s counter.
Beneficiary verification before payout
Before a claim payment is released, confirm the beneficiary’s identity and match their face. The money goes to the person the policy names.
Claims fraud detection and reporting
Check the claimant’s identity on every claim. Identity usurpation or forged documents can be reported to the national fraud desk free of charge.
Screening of high-value policies and payouts
When a policy or payout reaches a significant amount, screen the policyholder and beneficiary against sanctions and PEP lists.
Connects to the channels you already run
Your app, website, branches and back office call RDCPASS through a single integration. The services you choose send back verified answers your staff can act on.
Your channels
- Mobile app
- Website
- Branches & agents
- Back office
Your outcomes
- Remote subscription with a face match
- Beneficiary check before each payout
- Claims fraud reported to the national fraud desk
Recommended products
Regulation & compliance
- Supports the customer identification checks expected by the Autorité de Régulation et de Contrôle des Assurances (ARCA).
- Each check is logged with its stated purpose, so auditors have a full trail for every policy and claim.
- An application only receives the data scopes it has been approved for.
- Confirmed fraud cases can be reported to the national fraud desk through Fraud Reporting.
From first test to production
Every organization goes through the same three steps.
- 1
Build in the sandbox
Free and available immediately, with synthetic identities, businesses and faces.
- 2
Pass due diligence
We review your business (governance) and your application (security, scopes, testing).
- 3
Go live
Set up production keys and an mTLS certificate, and choose the billing model that suits you.
Frequently asked questions
Can we sell policies without meeting the customer?+
Yes. KYC Validation confirms the certified identity and Face Recognition confirms that the person on camera is its holder. Subscription can take place entirely in your app or through a partner.
How do we make sure a payout reaches the real beneficiary?+
Before paying, ask the beneficiary to verify with their identifier and a selfie. Release the funds only once the identity is confirmed and the face matches.
What happens when we find a fraudulent claim?+
You report it to the national fraud desk with Fraud Reporting, which is free for approved organizations. You get a case number to follow up with.
Can we re-verify our existing policyholders?+
Yes. Send the portfolio in batches of up to 10,000 records. Each record is billed at the lower batch rate, and results reach your system when they are ready.
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Learn moreStart in the sandbox or talk to our team
The sandbox is free and open now. If you would rather discuss your sector, expected volumes and billing model first, our team can take you through it.