Seema Gorman, Executive IT Director at IFFCO-Tokio General Insurance, traces the insurer's AI journey from 2019 through 2023 at H2O World India. She covers early wins like AI-based motor damage assessment and OCR-driven claims automation, then focuses on the partnership with H2O.ai for fraud detection: a document AI system built to catch duplicate images and reports in health insurance claims under India's Ayushman Bharat scheme, and a retrained driverless AI model for motor claims fraud, including concrete results from both.