ARQUA • SCIA™ — Category Definition • Sectors • Request a Briefing
Sovereign Coherent Intelligence for Long-Horizon Risk
Why Insurance Is Architecturally Distinct
Insurance is APRA-regulated — like banking — but architecturally different.
Where banking intelligence is:
- transactional
- immediate
- volume-driven
Insurance intelligence is:
- long-horizon
- probabilistic
- meaning-dense
- legally and socially consequential
Insurance failures rarely happen at the moment of decision.
They surface years later, as:
- claims disputes
- remediation programs
- litigation
- regulatory findings
- reputational damage
These failures are almost never due to a lack of intelligence.
They occur because meaning, coherence, or authority decayed over time.
That is exactly the problem SCIA is designed to solve.
The Insurance Intelligence Problem (Plainly)
Modern insurers operate across:
- underwriting decisions
- policy wording and interpretation
- claims assessment
- actuarial modelling
- outsourcing and third-party arrangements
- evolving regulatory expectations
Yet intelligence in these systems often:
- assumes shared meaning of policy intent
- drifts across time, teams, and vendors
- blurs authority between human judgment and automated decisioning
When this happens:
- decisions become inconsistent
- rationale cannot be reconstructed
- accountability fragments
- trust collapses — internally and externally
Governance reviews occur after harm.
SCIA intervenes before action.
How SCIA Applies to Insurance
Arqua applies SCIA to insurance by enforcing a non-negotiable order:
Meaning
- What does the policy actually mean in this context?
- What assumptions are embedded in underwriting or claims logic?
- Where is interpretation implicit rather than explicit?
Coherence
- Does meaning remain aligned across:
- time
- claims volumes
- third parties
- automation layers
- Can decisions made today still be defended years later?
Authority
- Who is authorised to decide:
- accept, deny, or escalate a claim
- override an automated recommendation
- reinterpret policy intent under novel circumstances
- Is responsibility explicit and traceable?
No insurance decision should execute unless all three hold.
The Underlying Architecture
Insurance applications of SCIA are grounded in Arqua's public architecture framework, which defines how meaning, coherence, and authority are stabilised before intelligence is allowed to act.
→ Architecture for Responsible AI in Insurance
(How Arqua Makes Intelligence Safe to Act)
Where SCIA Delivers Immediate Value in Insurance
Arqua is applied in insurance environments where failure is expensive and delayed:
- Claims decision frameworks
- Automated and assisted claims handling
- Underwriting rules and exception management
- Policy interpretation and remediation programs
- Third-party and outsourced decisioning
- AI use in risk assessment or fraud detection
- CPS 230 / CPS 234 operational risk accountability
SCIA does not replace actuarial, legal, or claims expertise.
It protects their intent over time.
APRA Alignment (Without Checklists)
Insurance entities are directly subject to:
- CPS 230 – Operational Risk Management
- CPS 234 – Information Security
- Material service provider and accountability obligations
Arqua supports these frameworks by:
- making decision authority explicit
- enforcing traceability of meaning and rationale
- preventing uncontrolled automation
- enabling reconstruction of decisions under scrutiny
This is not compliance layered on top.
It is prudential architecture built in.
What Arqua Provides to Insurers
SCIA Diagnostic (Architecture Assessment)
Identifies where:
- policy meaning is assumed
- coherence decays across claims and time
- authority boundaries are unclear or bypassed
SCIA Architecture of Record
Defines:
- how insurance intelligence is allowed to operate
- where automation must stop and escalate
- how accountability is preserved across years
Coherence API & Control Layer
Ensures:
- claims and decisions cannot execute on ambiguous meaning
- exceptions are handled intentionally, not accidentally
- rationale is preserved for audit, remediation, and trust
What Makes Arqua Different in Insurance
Arqua does not:
- sell claims systems
- replace policy administration platforms
- optimise underwriting models
Arqua ensures:
- insurance intelligence remains coherent over time
- decisions remain defensible long after execution
- authority is never implicit or lost to automation
This is why Arqua sits before systems, not inside them.
In Plain Terms
Arqua helps insurers ensure that decisions made today can still be explained, defended, and trusted years from now.
Suitable For
- General insurers
- Life insurers
- Private health insurers
- Reinsurers
- Regulators and supervisory bodies
- Boards overseeing long-tail risk
© Arqua Pty Ltd. All rights reserved.