Insurance
End-to-end insurance technology stack — core policy administration, underwriting, claims, reinsurance and digital distribution — for life, general, health and re-insurance carriers, brokers and InsurTech challengers.
Capabilities
- Policy administration (life, general, health)
- Digital underwriting & risk scoring
- Claims FNOL, triage & STP automation
- Reinsurance treaty & facultative management
- Agent, broker & POSP portals
- Customer self-service & mobile servicing
- Fraud detection & SIU workflows
- Actuarial, solvency & regulatory reporting
Typical use cases
- Greenfield core insurance platform for new carriers
- Straight-through motor & health claims processing
- AI-driven underwriting for term life & SME
- Video / tele-medical underwriting journeys
- Bancassurance & embedded insurance APIs
- Catastrophe modelling & reinsurance optimisation
- Fraud ring detection across claims networks
- IRDAI / NAIC solvency & expense-of-management reports
Measured outcomes
- 60%+ straight-through claims for motor OD & health cashless
- Underwriting decisions in under 60 seconds for term life
- 30%+ reduction in fraud leakage via network analytics
- Audit-ready IRDAI / Solvency II reporting on demand
Standards & compliance
Key automations & measurable outcomes
Production-ready automation patterns we deploy for this sector — each with the operational trigger, the workflow we orchestrate and the outcome customers realise.
Motor OD straight-through claim
- Trigger
- FNOL via mobile app with photos & geo-tag
- Automation
- AI damage assessment, garage allocation, parts pricing and auto-approval up to threshold
- Outcome
- 65% STP claims, average settlement under 4 hours
Cashless health claim authorisation
- Trigger
- Hospital pre-auth request via PMJAY / TPA channel
- Automation
- Policy validation, package-rate match, fraud scoring and instant approval
- Outcome
- Pre-auth in under 10 minutes, 40% lower TAT
Term life digital underwriting
- Trigger
- Customer applies via aggregator or bancassurance partner
- Automation
- Bureau pull, medical-record parsing, risk scoring and tele/video MER routing
- Outcome
- Issue-rate up 25%, decision in under 60 seconds for clean lives
Fraud ring detection
- Trigger
- New claim ingested into claims hub
- Automation
- Graph analytics across phones, IFSC, garages, hospitals and adjusters with red-flag scoring
- Outcome
- 30% reduction in fraud leakage, SIU caseload prioritised
Renewal & persistency nudges
- Trigger
- Policy approaches lapse window
- Automation
- Multi-channel nudges (WhatsApp, IVR, agent task) with discount/topup offers tuned by propensity model
- Outcome
- 8–12 pt lift in 13-month persistency
Bancassurance embedded sale
- Trigger
- Bank customer triggers eligible event (loan, FD, card)
- Automation
- Pre-approved cover offered in-journey via API with eKYC, eSign and auto-debit mandate
- Outcome
- 3x attach rate vs. outbound, sub-minute issuance
Catastrophe response
- Trigger
- NDMA / weather feed signals event in covered geography
- Automation
- Exposure heat-map, proactive customer outreach, surveyor dispatch and reinsurance notification
- Outcome
- Customer NPS lift, faster reinsurance recovery cycle
Regulatory return generation
- Trigger
- Quarter / month-end close
- Automation
- Auto-aggregation across policy, claims and finance with IRDAI / Solvency II / IFRS 17 templates
- Outcome
- Returns filed in days, not weeks, with full audit trail
Predictable delivery, phase by phase
Indicative programme tailored to this sector — adapted to scope, scale and regulatory context during discovery.
- 1
Phase 1 — Carrier Discovery
4–6 weeksProduct catalogue, channel mix, claims volume baselining and regulator alignment (IRDAI / NAIC / EIOPA).
- 2
Phase 2 — Core & Channel Design
8–12 weeksPolicy admin, claims, reinsurance and portal architecture with actuarial and IFRS 17 data model.
- 3
Phase 3 — Build & Configure
16–24 weeksCore configuration, underwriting rules, claims STP, integrations with bureaus, hospitals, garages and payments.
- 4
Phase 4 — Pilot & Go-live
8–10 weeksProduct-by-product cutover, agent enablement, regulator filing and parallel-run reconciliation.
- 5
Phase 5 — Operate, Comply & Evolve
Ongoing24/7 ops, quarterly regulatory returns, fraud-model retraining and new-product launches.
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