Claims and customer operations: Copilot Studio, Power Automate, Azure AI Foundry and Microsoft Fabric

Claims and customer operations: Copilot Studio, Power Automate, Azure AI Foundry and Microsoft Fabric Claims and customer operations: Copilot Studio, Power Automate, Azure AI Foundry and Microsoft Fabric Copilot Studio agents and Power Automate flows run the front office; Foundry agents reason over governed Fabric data; Dataverse holds the system of record Microsoft 365 and Power Platform Azure Microsoft Fabric Region Azure AI Foundry documents 2. Uploaded photos and forms trigger the document intake flow, which extracts fields and creates the case in Dataverse2 create case 3. Document intake flow → Claims case records (create case)3 plan and generate 6. The orchestrator plans with the model; every prompt and response passes Content Safety6 connected agent 7. Claims orchestrator → Fraud-signal agent (connected agent)7 record decision 12. Approval flow → Claims case records (record decision)12 screen load land model report chat 1. A customer reports a claim or asks about coverage in the web chat or Teams; Copilot Studio authenticates them with Entra ID1 agent handoff 4. Coverage and status questions are handed to the Foundry orchestrator through the API Management AI gateway, with the user's token4 invoke 5. API Management → Claims orchestrator (invoke)5 connected agent 7. Claims orchestrator → Policy agent (connected agent)7 connected agent 7. Claims orchestrator → Action agent (connected agent)7 hybrid query 8. The policy agent grounds coverage answers in the indexed policy wording8 NL question 8. The fraud-signal agent asks the Fabric data agent for claim history and stream-derived signals, as the signed-in user8 SQL / DAX 9. Fabric data agent → OneLake lakehouse (SQL / DAX)9 tool call 10. The action agent calls approved tool APIs; high-impact actions go to the approval flow10 request approval 11. The approval flow routes payouts above the threshold to an adjuster in Teams11 triage chat 13. Claims adjusters → Adjuster copilot (triage chat)13 mirror 14. Core claims and policy systems → Mirroring and pipelines (mirror)14 events 14. Telematics and IoT → Real-Time Intelligence (events)14 Customers (Users) Customers web, mobile, Teams Claims adjusters (Users) Claims adjusters Teams, model-driven app Customer copilot (Copilot Studio) Customer copilot Copilot Studio: FNOL, status, coverage Adjuster copilot (Copilot Studio) Adjuster copilot Copilot Studio: case triage, drafts Document intake flow (Power Automate) Document intake flow Power Automate: OCR, create case Approval flow (Power Automate) Approval flow Power Automate: thresholds, Teams approvals Claims case records (Dataverse) Claims case records Dataverse: cases, transcripts, audit Adjuster console (Power Apps) Adjuster console Power Apps: model-driven Agent 365 (Agent 365) Agent 365 agent inventory and governance Microsoft Entra ID (Entra ID Protection) Microsoft Entra ID SSO, agent identities, Conditional Access API Management (API Management Services) API Management AI gateway, token limits Key Vault (Key Vaults) Key Vault connection secrets Azure Monitor (Monitor) Azure Monitor traces, token usage, audit Application Insights (Application Insights) Application Insights agent step telemetry Azure OpenAI (Azure OpenAI) Azure OpenAI gpt-4o deployment Claims orchestrator (Foundry Agent Service) Claims orchestrator plans and delegates Content Safety (Content Safety) Content Safety prompt shields, filters Policy agent (Foundry Agent Service) Policy agent coverage and wording Fraud-signal agent (Foundry Agent Service) Fraud-signal agent scores and explains Action agent (Foundry Agent Service) Action agent tools via Functions Azure AI Search (Cognitive Search) Azure AI Search policy wording index Functions (Function Apps) Functions claim tool API Core claims and policy systems (Server Farm) Core claims and policy systems SQL Server, mainframe Telematics and IoT (Mobile) Telematics and IoT vehicle and device events Mirroring and pipelines (Fabric Data Factory) Mirroring and pipelines claims, policy, billing OneLake lakehouse (Fabric Lakehouse) OneLake lakehouse bronze, silver, gold Real-Time Intelligence (Fabric Real Time Intelligence) Real-Time Intelligence telematics, fraud streams Fabric data agent (Fabric Data Agent) Fabric data agent governed NL questions Semantic model (Fabric Semantic Model) Semantic model certified measures Power BI (Fabric Power BI) Power BI loss ratio, SLA reports

Flow

  1. 1A customer reports a claim or asks about coverage in the web chat or Teams; Copilot Studio authenticates them with Entra ID
  2. 2Uploaded photos and forms trigger the document intake flow, which extracts fields and creates the case in Dataverse
  3. 3Document intake flow → Claims case records (create case)
  4. 4Coverage and status questions are handed to the Foundry orchestrator through the API Management AI gateway, with the user's token
  5. 5API Management → Claims orchestrator (invoke)
  6. 6The orchestrator plans with the model; every prompt and response passes Content Safety
  7. 7Claims orchestrator → Fraud-signal agent (connected agent)
  8. 7Claims orchestrator → Policy agent (connected agent)
  9. 7Claims orchestrator → Action agent (connected agent)
  10. 8The policy agent grounds coverage answers in the indexed policy wording
  11. 8The fraud-signal agent asks the Fabric data agent for claim history and stream-derived signals, as the signed-in user
  12. 9Fabric data agent → OneLake lakehouse (SQL / DAX)
  13. 10The action agent calls approved tool APIs; high-impact actions go to the approval flow
  14. 11The approval flow routes payouts above the threshold to an adjuster in Teams
  15. 12Approval flow → Claims case records (record decision)
  16. 13Claims adjusters → Adjuster copilot (triage chat)
  17. 14Core claims and policy systems → Mirroring and pipelines (mirror)
  18. 14Telematics and IoT → Real-Time Intelligence (events)

Cost estimate eastus · price list as of 2026-10-02 · indicative — some usage is assumed

$7,098per month
$85,177per year
8/30components priced
17not priced (see below)

Public pay-as-you-go list prices from the Azure Retail Prices API (USD). Excludes taxes, support plans, Reservations, Savings Plans, Spot and enterprise or EA discounts, and data transfer unless a node sets egressGbPerMonth. Free grants are included where the meter has a free tier. Monthly = 730 hours. Not a quote: confirm with the Azure Pricing Calculator.

Usage basis. Illustrative: 120,000 conversations/month with ~4 model calls each (about 3,000 input and 400 output tokens per call), gpt-4o-0806 global deployment, 2 AI Search units, 400,000 content-safety records. Power Platform licences, Copilot Studio messages, Fabric capacity and Purview are not in the Azure Retail Prices API and are not priced.

By category

AI and agents$6,386 · 90%
Integration$687 · 10%
Security and operations$25.40 · 0%
Compute$0.40 · 0%

By component click a row to highlight it on the diagram

ComponentServiceStatus$ / monthLine items
Azure OpenAIAzure OpenAIestimated$5,520
2 lines
  • gpt-4o-0806: input tokens (standard, global): 1,440,000 1K × $0.0025 = $3,600.00
  • gpt-4o-0806: output tokens (standard, global): 192,000 1K × $0.01 = $1,920.00

Model matched in the Retail Prices API: gpt-4o-0806. Pay-as-you-go standard global deployment; provisioned throughput (PTU) is not modelled.

API ManagementAPI Management Servicesestimated$687
1 line
  • Standard unit-hours: 730 1 Hour × $0.9407 = $686.711
Azure AI SearchCognitive Searchestimated$491
1 line
  • Standard S1 search unit-hours (replicas × partitions): 1,460 1 Hour × $0.336 = $490.56

Semantic ranker, document cracking and agentic retrieval are billed separately and not modelled.

Content SafetyContent Safetyestimated$375
1 line
  • Text records (1,000 characters each): 1,000 1K × $0.375 = $375.00
Azure MonitorMonitorestimated$11.50
1 line
  • Data ingestion (GB): 10 1 GB × $0.00 (tiered) = $11.50

Pay-as-you-go ingestion with the monthly free allowance in the tier; commitment tiers are not modelled.

Application InsightsApplication Insightsestimated$11.50
1 line
  • Data ingestion (GB): 10 1 GB × $0.00 (tiered) = $11.50

Pay-as-you-go ingestion with the monthly free allowance in the tier; commitment tiers are not modelled.

Key VaultKey Vaultsestimated$2.40
1 line
  • Secret and key operations: 80 10K × $0.03 = $2.40

Standard tier software-protected keys; HSM keys and certificates are not modelled.

FunctionsFunction Appsestimated$0.40
2 lines
  • Executions: 300,000 10 × $0.00 (tiered) = $0.40
  • Execution time (GB-seconds): 225,000 1 GB Second × $0.00 = $0.00

Consumption plan; the monthly free grant is included in the tiered meters.

Not priced

  • Customer copilot — not-estimated: No cost model for Copilot Studio yet. Supply `usage.monthlyUsd` on the node to include it.
  • Adjuster copilot — not-estimated: No cost model for Copilot Studio yet. Supply `usage.monthlyUsd` on the node to include it.
  • Document intake flow — not-estimated: No cost model for Power Automate yet. Supply `usage.monthlyUsd` on the node to include it.
  • Approval flow — not-estimated: No cost model for Power Automate yet. Supply `usage.monthlyUsd` on the node to include it.
  • Claims case records — not-estimated: No cost model for Dataverse yet. Supply `usage.monthlyUsd` on the node to include it.
  • Adjuster console — not-estimated: No cost model for Power Apps yet. Supply `usage.monthlyUsd` on the node to include it.
  • Agent 365 — not-estimated: No cost model for Agent 365 yet. Supply `usage.monthlyUsd` on the node to include it.
  • Microsoft Entra ID — no-charge: Entra ID Protection has no direct charge.
  • Claims orchestrator — not-estimated: No cost model for Foundry Agent Service yet. Supply `usage.monthlyUsd` on the node to include it.
  • Policy agent — not-estimated: No cost model for Foundry Agent Service yet. Supply `usage.monthlyUsd` on the node to include it.
  • Fraud-signal agent — not-estimated: No cost model for Foundry Agent Service yet. Supply `usage.monthlyUsd` on the node to include it.
  • Action agent — not-estimated: No cost model for Foundry Agent Service yet. Supply `usage.monthlyUsd` on the node to include it.
  • Mirroring and pipelines — not-estimated: No cost model for Fabric Data Factory yet. Supply `usage.monthlyUsd` on the node to include it.
  • OneLake lakehouse — not-estimated: No cost model for Fabric Lakehouse yet. Supply `usage.monthlyUsd` on the node to include it.
  • Real-Time Intelligence — not-estimated: No cost model for Fabric Real Time Intelligence yet. Supply `usage.monthlyUsd` on the node to include it.
  • Fabric data agent — not-estimated: No cost model for Fabric Data Agent yet. Supply `usage.monthlyUsd` on the node to include it.
  • Semantic model — not-estimated: No cost model for Fabric Semantic Model yet. Supply `usage.monthlyUsd` on the node to include it.
  • Power BI — not-estimated: No cost model for Fabric Power BI yet. Supply `usage.monthlyUsd` on the node to include it.

Assumptions 9 defaulted — replace them with your own numbers in each node's usage

ComponentAssumptionValueSource
API Managementtierstandardfrom spec
API Managementunits1from spec
Key VaultoperationsPerMonth800000from spec
Azure MonitoringestGbPerMonth10assumed
Azure MonitorretentionDays31assumed
Azure MonitorretainedGb10assumed
Application InsightsingestGbPerMonth10assumed
Application InsightsretentionDays31assumed
Application InsightsretainedGb10assumed
Azure OpenAImodelgpt-4o-0806from spec
Azure OpenAIdeploymentglobalfrom spec
Azure OpenAImodestandardassumed
Azure OpenAIinputTokensPerMonth1440000000from spec
Azure OpenAIoutputTokensPerMonth192000000from spec
Azure OpenAIcachedInputTokensPerMonth0assumed
Content SafetytextRecordsPerMonth1000000from spec
Content SafetyimagesPerMonth0assumed
Azure AI Searchskustandard-s1from spec
Azure AI SearchsearchUnits2from spec
Functionsplanconsumptionfrom spec
FunctionsrequestsPerMonth3000000from spec
FunctionsavgDurationMs150from spec
FunctionsmemoryMb512from spec

Sensitivity & what-if

$7,098at 1× traffic
$18,990at 3× traffic
$60,624at 10× traffic

No what-if options apply to these services.

Price list provenance

Retrieved 2026-10-02T10:01:47.868Z from the public Azure Retail Prices API. Latest price effective dates per service:

API Management 2024-12-01 · Key Vault 2022-03-01 · Log Analytics 2018-02-01 · Foundry Tools 2026-10-01 · Azure Cognitive Search 2026-09-01 · Functions 2024-12-01

Only public pay-as-you-go list prices are used. This is not a quote — confirm in the Azure Pricing Calculator.