Selisih
For BPJS Claims Audit Teams

An auditor's eye that never tires.

Selisih is a machine-learning audit platform that learns from thousands of historical audit decisions. Every morning, it ranks the riskiest claims, explains each one in language auditors can cite, and even drafts the audit letter — so your team spends the day deciding, not searching.

Antrean Klaim Janggal · Hari Ini1–3 / 48
CLM-20260421-000123RS Harapan Sehat, Bandung
Pneumonia sedang·biaya 180%rawat 98%SOP-C-14
87%
CLM-20260421-000198RSUD Cipto, Jakarta
Rawat jantung·readmit 5 jambiaya 140%SOP-B-02
74%
CLM-20260421-000256RS Sejahtera, Surabaya
Bedah minor·rawat 89%
61%

Synthetic example — no BPJS PII.

50K+
claims / day
3,000
hospitals
270M
covered lives
auditor throughput target
Problem

Your team knows fraud is there. They just can't see all of it.

Trillions of rupiah lost every year — not because your team isn't capable.

BPJS Kesehatan receives thousands of claims every day. Manual checks and random sampling leave the more sophisticated patterns invisible. Bad actors learn the sampling rules. Your team burns through cycles on claims that often aren't the most suspicious.

The result: avoidable losses, findings that are hard to defend in front of a contracted hospital, and a workload that simply isn't human-scale. Selisih was built to fix all three — in one flow that feels familiar to auditors, not to data scientists.

50,000 CLAIMS ARRIVE100 REVIEWED AT RANDOMthe rest stays invisible
I know there's fraud in the claims I don't see. But I can only review what my supervisor picks at random.
— Claims auditor, BPJS regional office
Solution

Your team, with a clearer map.

Priorities that are obvious

A machine-learning model picks the 50 most urgent claims every morning — trained on BPJS historical audit patterns. Your team starts from the highest-value work.

CLM-20260421-000123RS Harapan Sehat
Pneumonia·biaya 180%SOP-C-14
87%
CLM-000198RSUD Cipto
Rawat jantung·readmit 5 jamSOP-B-02
74%

Reasons you can cite

Behind every claim: three concrete reasons from AI analysis — cost patterns, length of stay, hospital patterns. Ready to paste into an audit letter.

Biaya vs tarif INA-CBG
+1.80
180% dari tarif standar — rata-rata rumah sakit sekelas 102%.
Lama rawat vs peer
+0.98
12 hari — lebih lama dari 98% klaim sejenis di rumah sakit lain.
Pola rumah sakit
+3.00
Rumah sakit ini mengirim klaim severitas tinggi 3× rata-rata daerah.

SOPs built in

BPJS rules live as a rule-based layer running alongside the AI model. Your SOP team can add or adjust rules without a programmer.

  • BPJS-SOP-C-14Lama rawat > 95 pctile tanpa ICD sekunder
  • BPJS-SOP-D-07Tagihan melebihi band tarif INA-CBG
  • BPJS-SOP-B-02Readmisi < 7 hari, diagnosis sama
How it works

A Monday with Selisih.

  1. 08:00

    The priority queue is already waiting

    Instead of starting anywhere, your team opens today's 50 most suspicious claims — already ranked, already labelled.

    Klaim · CLM-20260421-000123HIGH
    Rumah sakit
    RS Harapan Sehat, Bandung
    Tanggal masuk
    21 Apr 2026
    Grup tarif · INA-CBG
    I-4-14-III · Pneumonia berat
    Diagnosis utama
    J18.9 · Pneumonia
    Tagihan
    Rp 28.400.000
    Tarif standar
    Rp 15.800.000
    Lama rawat
    12 hari
    Pasien
    ·········· (disamarkan)
  2. 09:15

    One click to understand

    Three concrete reasons per claim — in sentences you can cite, not in code.

    Pola yang diperiksaTemuan
    Biaya vs tarif INA-CBG180% (peer 102%)
    Lama rawat vs peer98 persentil
    Pola rumah sakit3× rata-rata daerah
    Jarak readmisi
    Diagnosis sekunderTidak ada
  3. 11:30

    Your decision guides the system

    Confirm, reject, or escalate — with a short note. Every decision strengthens the model for next week.

    supervised0.82
    anomaly0.71
    rule boost+0.20
    87%
    HIGH
  4. 15:00

    The draft letter is ready

    A full audit letter with evidence and cited rules — the auditor just reviews and signs.

    Keputusan auditor ditulis ke tabel anotasi · model retrain mingguan menggunakan label ini · versi model tersimpan untuk audit trail 5 tahun.

A workflow that used to take the whole day now fits into a few hours — with a complete audit trail behind every decision.

Copilot layer · Optional

AI as a companion, not a decision-maker.

At the core of Selisih: classical machine learning with decades of research behind it — deterministic, auditable, runs without internet. On top: five optional AI-copilot features (generative AI for narratives, RAG for regulations, NLP for queries) that help your team move faster. The copilot can be switched off at any time; the core keeps running. The final decision always belongs to the auditor.

  • C1

    Ask in plain language

    'Claims from Hospital X with length-of-stay anomalies in Q1' — the queue filters itself. No query language to learn.

  • C2

    Auto-narrated reasoning

    Three technical reasons condensed into one paragraph — ready to send to a hospital or supervisor.

  • C3

    Consistency check

    Compares the physician's note with the coded diagnosis — helps auditors catch gaps that routinely go unnoticed.

  • C4

    Regulation assistant

    'What's the readmission-within-7-days rule?' — a brief answer with citations from Peraturan BPJS and PERMENKES.

  • C5

    Audit-letter drafter

    The system prepares the letter; the auditor approves. All the evidence and rule citations are already attached.

AI only helps explain and compose. Scoring and decisions stay with your team.