Solution for Insurance
Less claims fraud.
KYC at registration.
Validate the policyholder's CPF (Brazil's individual taxpayer ID) at registration, at claim time and at every update. Identity confirmed in real time, LGPD (Brazil's data protection law) up to date and compliance with SUSEP requirements.
The cost of inaction
Insurance fraud is not an exception.
10%
of the claims paid by Brazilian insurers are fraudulent, pushing up product prices for the whole portfolio
CNSeg, National Confederation of Insurers, 2023
R$ 14 billion
is the estimated annual cost of insurance fraud in Brazil, in Brazilian reais (BRL), directly affecting loss ratios and pricing
CNSeg / FenaSeg, 2023
Penalty
from SUSEP, Brazil's insurance regulator, for insurers with incorrect policyholder records or without adequate document validation
SUSEP Circular 667/2022
Industry challenges
What exposes your insurer
to unnecessary risk.
Identity fraud in claims
Policyholders use other people's CPFs or inconsistent data to file fraudulent claims. Every successful fraud raises the loss ratio and pushes up the product price for the whole portfolio.
Registrations with incorrect data
Wrong data in the policyholder record causes problems in claims adjustment, incorrect payments and trouble in subrogation actions. The error starts at onboarding and drags on for years.
Slow, manual onboarding
Insurance sold through brokers depends on filling in forms by hand and validating later. The process raises acquisition cost and drives away customers who expected digital speed.
How CPFHub.io solves it
Every challenge has a direct answer.
Problem
A claim filed with someone else's CPF
Solution
The API checks the name and date of birth tied to the CPF in ~150 ms and, when needed, the Real-Time Lookup returns the registration status straight from Receita Federal. If the data does not match the registered policyholder, the claim is blocked before any payment.
Problem
Incorrect registration data causes rework
Solution
The policy application form fills in name and date of birth automatically from the CPF entered. The policyholder does not type biographical data: the API delivers it, standardized and periodically revalidated against Receita Federal.
Problem
The brokerage loses customers to a slow process
Solution
REST integration with a typical response time of ~150 ms. Autofill removes manual steps and shortens quoting time. The customer buys the policy in the same flow, without sending documents.
Legal compliance
The regulation you need.
The infrastructure that delivers.
Policyholder identification
Requires insurers to keep policyholder records up to date and consistent. Data that has not been validated can lead to penalties and affects claims adjustment.
Protecting policyholder data
Processing the CPF and biographical data of policyholders requires a declared legal basis, a specific purpose and access controls. CPFHub.io delivers compliance from the first endpoint.
Objective good faith in contracts
Insurance contracts require the information given by the policyholder to be truthful. Checking the CPF at registration documents the insurer's diligence in collecting data.
CPFHub.io provides privacy impact reports (RIPD) and a documented legal basis for regulatory audits by SUSEP and the ANPD (Brazil's data protection authority).
The CPF became our single entry point. We eliminated manual validation rework, cut fraudulent claims by more than 30% and digital onboarding got two minutes faster.
André Costa
Head of Products · SeguraBem
Your policyholder records
free of fraud from the first field.
50 free credits to test. Integrate in minutes. No credit card.
Instant access to your API key and the documentation.