Step 1
Documents from photos
The client photographs their passport, driving licence and vehicle registration certificate. The application fields fill in by themselves, and the documents are checked for forgery and traces of editing.
Document recognition and client checks for insurance companies
Verifying an insurer's clients on a single platform: passports, driving licences, vehicle registration certificates and handwritten claim forms are read with no manual entry, documents are checked for forgery, and the policyholder and the beneficiary are screened against the watchlists, sanctions and PEP lists.
Russian passport Driving licence Vehicle registration Application Application form
Data stored in Russia · Russian software registry no. 19972 · 115‑FZ and 152‑FZ
What the law requires of insurance companies
Insurance companies and insurance brokers are covered by 115‑FZ, and an insurer must issue an electronic compulsory motor liability policy to anyone who asks for one. Below are the rules that bear directly on issuing a policy and paying a claim.
NeuroVision reads documents and provides the data for checking a client. Identification, decisions on the contract and the claim, freezing funds and reporting to Rosfinmonitoring are set and carried out by the insurer.
- Choose the checks
Identifying the policyholder
115‑FZ, art. 5 and 7 — insurance companies and brokers.
Who is covered
- Insurance companies and insurance brokers must identify their clients (115‑FZ, art. 5 and 7)
No identification needed if the premium is no more than
- Life insurance — 15,000 ₽
- Other insurance contracts — 40,000 ₽
Simplified identification
- An insurance contract other than life insurance — simplified identification is allowed (art. 7, cl. 1.11 and 1.12-2)
- Life insurance under simplified identification — if the premiums are no more than 40,000 ₽
Paying a claim
- A beneficiary under a contract in favour of a third party must be identified before the payout (art. 7, cl. 1.4-8)
- Watchlist screening
Watchlists, sanctions and PEP
115‑FZ, art. 7 and 7.3 — checking clients and beneficiaries.
Watchlists
- Screen the client against the Rosfinmonitoring watchlists — before the contract is signed
- Freeze the funds of a person on a watchlist or named in an Interagency Commission decision — within 24 hours of publication
- Match the whole client base against the watchlists — at least once every 3 months
Politically exposed persons
- A foreign politically exposed person — only by a written decision of management
- Life insurance: establish whether the beneficiary is a politically exposed person — no later than the payout (the FATF standard)
- Document recognition
The electronic policy and the client's data
40‑FZ on compulsory motor liability insurance and 152‑FZ.
40‑FZ, art. 15
- Issue a compulsory motor liability policy as an electronic document to everyone who applies (cl. 7.2)
- Documents for a compulsory motor liability policy: passport, vehicle registration certificate or title, licences of the drivers covered (cl. 3)
- If the details in the application are inaccurate, the policy cannot be paid for on the website until the data is corrected
152‑FZ, art. 10
- Health data under voluntary health insurance — processed under insurance law
OCR and checks for an insurer: six tasks
An insurer works with paperwork at every step: when a policy is sold, when a claim is filed and before it is paid. Document recognition in insurance removes manual entry, and the checks weed out forgeries and risky clients.
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An online policy from photos of documents
The client photographs their passport, driving licence and vehicle registration certificate — the fields of the motor insurance application fill in by themselves, with no typos in the numbers.
Learn moreMost often enabled:
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Checking a driver for motor insurance through the API
Whether a driving licence is valid, when it expires and whether the driver has been disqualified — against traffic police data; unpaid fines — through the state payments system. Coming soon — the no-claims bonus coefficient.
Learn moreMost often enabled:
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Claim forms and accident notifications
Handwritten claim forms and accident notifications are read against the form template: names, dates, addresses, amounts and ticks — into JSON fields, each with a confidence level.
Learn moreMost often enabled:
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Forgeries in insurance claims
Edited documents, pasted-in pieces, AI generation, a shot taken off a screen — 40+ document anti-fraud checks find them before the payout decision.
Learn moreMost often enabled:
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Watchlists, sanctions and PEP
The Rosfinmonitoring watchlist — for the policyholder and the beneficiary under 115‑FZ; sanctions and PEP lists — for life insurance and foreign clients. In a single API request.
Learn moreMost often enabled:
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Documents for medical claims
Questionnaires, consents, referrals and clinics' template documents — turned into data with no retyping. For archives containing diagnoses — an installation inside the insurer's own perimeter.
Learn moreMost often enabled:
Policy, claim, payout — three points of checking
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Issuing the policy
Documents are read from photos, the passport is checked for validity, the driving licence — against traffic police data, and the client — against the Rosfinmonitoring watchlist. Errors in the data show up before payment, not after.
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The claim is filed
The claim form, the accident notification and the documents attached are read with no manual entry and checked for forgery and traces of editing. Doubtful cases go to a specialist, the rest move on faster.
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Paying a claim
The beneficiary is screened against the watchlists and sanctions lists; for life insurance — against the PEP lists as well. The result, with its source and date, goes into the case file for audit.
The identification procedure and the payout decision are the insurer's.
NeuroVision provides the data and the checks for every step.
How a policy is issued online
Recognition and checks are built into the website, the app or the agent's portal and return an answer before the client reaches payment.
Step 2
The checks in a single request
Passport validity, the driving licence against traffic police data, the Rosfinmonitoring watchlist, sanctions — only what your procedure and underwriting require.
Step 3
The data into your system
For every field and check — the value, the confidence level or the source and the date, in JSON. The insurer's rules let the application through to pricing and payment, or send it for manual review.
Claims handling: what we check in the documents
Handwritten claim forms and notifications
A form — into fields with no retyping
Claim forms and accident notifications are read against the form template. Every field comes with a confidence level; illegible fields go to a specialist, the rest go straight into the claims system.
The driver's and the car's documents
Passport, licence and registration certificate in one package
The documents of everyone involved are read together with the MRZ and barcodes. The driving licence is checked against traffic police data: validity, expiry, disqualification.
Forgery and editing
40+ document anti-fraud checks
Traces of a graphics editor, pasted-in pieces, AI generation, a shot taken off a screen or a printout, logical inconsistencies in the data. A suspicious document goes to the security team before the payout decision.
Medical documents in health insurance
Payouts with no manual entry
Questionnaires, consents, referrals and clinics' template documents — turned into data for calculating the payout. For documents containing diagnoses — an installation inside the insurer's perimeter, so the data never leaves it.
The beneficiary before the payout
Watchlists, sanctions, PEP — before the money moves
The beneficiary is screened against the Rosfinmonitoring watchlist and the sanctions lists, and for life insurance against the PEP lists as well. The result, with its source and date, is kept in the case file.
115‑FZ
40‑FZ · 152‑FZ
Products and checks for an insurance company
Every check is enabled separately and you pay for the requests performed. Descriptions, sources and response fields are in the API check catalogue.
The client's and the claim file's documents
Recognition with no manual entry, and a check for forgery.
- AI-OCR
Recognition of documents from 195+ countries and territories
Passports, driving licences, vehicle registration certificates and documents from 195+ countries and territories — into the application fields with no manual entry.
- ICR
Handwritten claim forms and blanks
Claim forms and accident notifications are read against the form template — with a confidence level for every field.
- 40+ checks
Document anti-fraud
Traces of a graphics editor, pasted-in pieces, AI generation and a shot taken off a screen — before the payout decision.
- Police · SMEV
Validity of a Russian passport
The authenticity and validity of a Russian passport through the interagency interaction system. It catches expired, replaced, lost and invalid documents and verifies that the passport was issued to this particular person.
5 ₽ / check
Learn more - Social Fund · SMEV
Validating the social insurance number
Checking the social insurance number against the full name and date of birth: does the number really belong to this person. The answer is a match or no match.
5 ₽ / check
Learn more
Driver checks
By the series and number of the driving licence; no passport needed.
- Traffic police
Driving licence validity
A check of the driving licence against the traffic police database: validity, expiry date, disqualification from driving, whether the document is on a wanted list.
5 ₽ / check
Learn more - State payments system
Traffic fines by driving licence
Unpaid fines for traffic offences, by driving licence number, through the state payments system.
5 ₽ / check
Learn more - Motor insurance
The compulsory motor insurance no-claims bonus
A driver's no-claims class and coefficient from the motor insurers' association database: a discount for accident-free driving or a loading for payouts caused by them.
Soon
Learn more - Notary Chamber
Pledges over movable property
A check against the Federal Notary Chamber's register of pledges: whether the person's property (cars, equipment) is pledged against any outstanding loans.
5 ₽ / check
Learn more
AML/CFT and sanctions risk
The policyholder and the beneficiary under 115‑FZ and against foreign lists.
- Rosfinmonitoring
The list of terrorists and extremists
Screening against the list of people involved in extremist activity or terrorism. A mandatory check under 115-FZ.
5 ₽ / check
Learn more - OFAC · EU · UK · UN
International sanctions lists
Screening against the consolidated lists of OFAC (USA), the European Union, the United Kingdom and the UN. Every match carries a similarity score and a flag if it was triggered by an alias.
5 ₽ / check
Learn more - An international database
Compliance screening: PEP, sanctions, adverse media
International screening against politically exposed persons and their associates, sanctions lists from more than 50 countries, regulatory actions and adverse media coverage. For Russian citizens it runs from the international passport or from the full name and date of birth.
36 ₽ / check
Learn more - Ministry of Justice
The foreign agents register
A check against the Russian Ministry of Justice's foreign agents register. Its entries carry a date of birth and a tax number, so a match can be verified.
5 ₽ / check
Learn more - Police
The police register of controlled persons
A check on a foreign national against the register of controlled persons that the police have kept since February 2025: people who have lost the legal grounds to stay in Russia. Russian citizens do not need the check — by law they are not in the register.
5 ₽ / check
Learn more
What the checks cost an insurer
Checks against databases and lists — a fixed price per request, with no subscription fee. Document and handwriting recognition and anti-fraud we price for your flow of policies and claims.
- Configure a set
Individual checks
5 ₽ per check
A driving licence against traffic police data, passport validity, the Rosfinmonitoring watchlist, sanctions — each separately.
- Most popular choiceEnable the package
The «16 in 1» basic package
50 ₽ per package (3.125 ₽ per check)
16 key checks from a single passport, including the Rosfinmonitoring list and sanctions. Bought separately they cost 80 ₽.
- Enable
International compliance screening
36 ₽ per check
PEPs, sanctions lists from over 50 countries, regulatory measures and adverse media — for life insurance and foreign clients.
Document and handwritten form recognition, document anti-fraud and phone number checks are charged separately — we will price them for your volume. The compulsory motor insurance no-claims bonus — coming soon.
Connecting: API, SDK or your own perimeter
Recognition and checks are built into the insurer's website and app, the agent's portal and the claims system. For archives and medical documents — an installation inside your own perimeter.
- JSON and webhooks
- Templates for your forms
- A cloud in Russia
- On-premises
Test access on the day you ask for it.
Payment for the checks performed, with 24/7 support.
Why insurance companies choose NeuroVision
An insurer needs a provider that reads both printed and handwritten documents, spots forgeries and covers the requirements of 115‑FZ — without five separate integrations.
Documents and client checks — on one platform
Document and handwriting recognition, document anti-fraud, a driving licence against traffic police data, watchlists, sanctions and PEP — one provider and one API.
The data read from a document goes straight into the checks, with no re-entry.
A Russian developer
A Skolkovo resident; the platform is entry no. 19972 in the Russian software registry.
Read also
Document recognition, anti-fraud and the requirements of 115‑FZ — in our blog.
408 22
Anti-Fraud, Liveness and Deepfake Protection
Anti-Fraud in Document Verification: How to Detect Forgeries and Traces of Editing
353 23
KYC Document Verification
AI-OCR in KYC: how automatic document recognition reduces manual review
139 30
KYC, AML and Digital Identification
Politically Exposed Person (PEP): Who It Is and What 115-FZ Requires
80 29
KYC, AML and Digital Identification
115-FZ: What Businesses Are Required to Do and How to Meet the Law’s Requirements
Common questions about checking clients in insurance
Reading the client's documents — passport, driving licence, vehicle registration certificate — checking documents for forgery, checking the validity of the passport and the driving licence against state databases, the Rosfinmonitoring watchlist, sanctions lists and PEP lists. In claims handling — reading claim forms and accident notifications, including handwritten ones.
No. The procedure for identification and simplified identification under 115‑FZ is set and carried out by the insurer, including through the state services portal or by delegation to a bank. NeuroVision reads documents and checks the data against databases, watchlists and sanctions lists — the insurer uses those results in its own procedure.
Under 115‑FZ, identification is not carried out if an individual pays a life insurance premium of no more than 15,000 ₽, or no more than 40,000 ₽ under other insurance contracts, and staff have no suspicion of money laundering. For insurance contracts other than life insurance, simplified identification is allowed.
Yes. If the contract is made in favour of a third party, the beneficiary is identified as a client before the payout, and all clients are screened against the Rosfinmonitoring watchlists. For life insurance, the FATF international standard requires establishing whether the beneficiary is a politically exposed person no later than the payout.
The Russian passport, the driving licence and the vehicle registration certificate, as well as documents from 195+ countries and territories — 16,000+ types. Handwritten claim forms and accident notifications are read against the form template.
40+ anti-fraud checks find traces of a graphics editor, pasted-in pieces, AI generation, a shot taken off a screen and logical inconsistencies in a document. The driving licence and the passport are checked against state databases. The payout decision is the insurer's.
The compulsory motor insurance no-claims bonus check is being prepared for launch. Available today is a driving licence check against traffic police data: validity, expiry, disqualification — 5 ₽.
In the NeuroVision cloud in Russia, or in your own infrastructure with an on-premises installation. For medical documents in health insurance we recommend an installation inside the insurer's perimeter. 152‑FZ and 242‑FZ.
Checks against databases and lists cost from 5 ₽, compliance screening costs 36 ₽, and a package of 16 checks costs 50 ₽. Document and handwriting recognition and anti-fraud are priced on request. Test access is granted the same day.
We will put together the checks for your insurance company
Tell us how many policies and claims you handle a month and which documents arrive on paper — we will assemble a set of checks and give you test access.
Can't put your request into words? Book a call and our team will contact you at a convenient time
Book a call
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