SmartNF Qorus-NTT DATA Innovation in Insurance Awards 2026

We implemented SmartNF, a technological solution based on intelligent reading of invoices and receipts, ensuring data integrity and enabling automation of internal operational processes for validating valued reimbursement documents in health insurance. Our premise and goal were to accelerate tasks and reduce response times, focusing on operational efficiency, providing greater security and reliability of information regarding billed amounts and services rendered.
We have already exceeded 80% automation of validation (monthly average), accumulated more than R$ 8 million in avoided costs with BPO, and more than R$ 10 million in avoided costs due to canceled invoices.
There are more than 4,000 municipalities approved for invoice validation — the charging method for services provided by professionals and clinics in Brazil.

We implemented cutting‑edge technology to automate tasks previously 100% manual, ensuring greater autonomy for operational analysts so they can dedicate their time to other strategic activities.
We eliminated an entire processing lane almost completely, reducing costs with vendors who previously performed this task.
It represented a disruptive innovation never seen before in the reimbursement sector of health insurance, and throughout 2025 we added more automations and validations, ensuring increasingly greater assertiveness and accuracy of the tool, providing Bradesco Saúde with both operational savings (BPO) and avoided costs from forged, non‑existent, or canceled billing documents.