You'd still be able to rely on human interpreters, who would do all the on-the-ground work the insurance adjuster does. There would be a clearinghouse for those jobs, and contractors would do them.

The incentives could be set up such that the cost of being caught straying from protocol would be higher than the fraud opportunity.

Or you could just reply on network-of-trust. Brand loyalty, etc. Choose Aetna claim investigators! We Follow Protocol