From video-KYC at policy issuance to AI-powered fraud detection at claim — built for IRDAI.
Fabricated medical bills, staged motor accidents and ghost beneficiaries cost insurers thousands of crores every year.
Most lapsed policies aren't lost to competitors — they're lost to inertia. Customers forget; insurers don't remind well.
Rural India has 70% of the population and 1% of the policies. Vernacular onboarding and service are non-negotiable.
Five proven workflows our customers ship in days, not quarters.
IRDAI-compliant VBE flow for life and health policies — fully digital.
Identity OCR → Face Liveness → Agent video session → eSign proposalHealth declarations and proposal forms signed with Aadhaar OTP. Legally valid, audit-ready.
Form generation → Aadhaar OTP eSign → 7-yr archiveT-30, T-15, T-7 day nudges via SMS and AI calls in the policyholder's preferred language.
Risk-of-lapse score → SMS sequence → AI call if no actionReal-time anomaly scoring on incoming claims — flag the 5% worth investigating.
Claim submitted → Risk model → Flag/auto-approve → Adjuster reviewAI handles 80% of routine service queries (claim status, premium, policy doc) in 5 Indian languages.
IVR → AI agent → Route or resolve → Optional human handoffFirst-class support for the rules your compliance team wakes up thinking about.
Renewal retention jumped 11 points in two quarters once we replaced our SMS blast with AI calls in regional languages.
Pre-certified video-KYC, e-Proposal templates and AML packs — ready to ship.