{"head":{"title":"Insurance Software Development: Claims to Policy | OceanLab","description":"Insurance software we build: claims intake, underwriting workbenches, policy administration, broker portals, embedded insurance APIs and health claims.","canonical":"https://oceanlab.in/software/insurance"},"slug":"insurance","stats":{"builds":8,"countries":8,"systems":8},"featured":[{"meta":{"slug":"gratwerk","industry":"insurance","projectType":"Underwriting workbench","country":"ch","tags":["insurtech","enterprise","ai"],"compliances":["ISA / VAG and AVO","VVG / LCA","revFADP / nDSG","Embargo Act (SECO sanctions)","Federal stamp duty","Natural hazard uniform tariff","Cantonal building insurance"],"cover":{"src":"/case-studies/gratwerk/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Gratwerk - Commercial Underwriting Workbench from Broker Submission to Quote","description":"Designed and built a clickable underwriting workbench for a Bern-based insurer writing commercial property and liability through brokers: a submission inbox with extraction already done, an underwriter queue with the quote SLA, a submission file enriched with hazard, building and company data, and a workbench that rates the risk, checks every referral rule and shows who may quote.","category":"Insurance / Underwriting Workbench","client":"Aarewald Versicherungen AG"}}},{"meta":{"slug":"kemudi","industry":"insurance","projectType":"Broker & agent portal","country":"my","tags":["insurtech","enterprise"],"compliances":["Financial Services Act 2013","BNM Fair Treatment of Financial Consumers","BNM Product Transparency and Disclosure","BNM e-KYC","AMLA 2001","PDPA 2010","Road Transport Act 1987","Electronic Commerce Act 2006","Form CP58 (Income Tax Act 1967)"],"cover":{"src":"/case-studies/kemudi/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Kemudi - Broker and Agent Portal for Quotes, Applications and Commission","description":"Designed and built a clickable portal for the agents and brokers of a Malaysian insurance group with a life and a general insurer: a daily to-do list, quick quotes gated by the agent's licence, every case from quote to issued policy, application tracking through underwriting requirements, and commission statements with clawbacks shown before they happen.","category":"Insurance / Broker & Agent Portal","client":"Seri Andalas"}}},{"meta":{"slug":"ormeggio","industry":"insurance","projectType":"Policy administration","country":"it","tags":["insurtech","enterprise"],"compliances":["Codice delle Assicurazioni Private","IVASS Regulation 40/2018","IVASS Regulation 41/2018","EU IPID","SEPA Core Direct Debit","GDPR","Italian Privacy Code"],"cover":{"src":"/case-studies/ormeggio/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Ormeggio - Policy Administration for Italian Motor and Home Insurance","description":"Designed and built a clickable policy administration console for an Italian motor and home insurer: every policy with its versions, coverages, taxes and bonus-malus class, and an endorsement workbench that works out the pro-rata premium per coverage and checks the approver's authority before a change goes through.","category":"Insurance / Policy Administration","client":"Corvalta Assicurazioni"}}},{"meta":{"slug":"serambi","industry":"insurance","projectType":"Embedded insurance API","country":"id","tags":["insurtech","fintech","enterprise"],"compliances":["Insurance Law 40/2014 and UU P2SK","POJK 22/2023","UU PDP","UU ITE and PP 71/2019","Language Law 24/2009","AML Law 8/2010","DSN-MUI sharia fatwas"],"cover":{"src":"/case-studies/serambi/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Serambi - Embedded Insurance Platform for Micro-Insurance Inside Partner Checkouts","description":"Designed an embedded insurance platform for a Jakarta insurtech broker that places device, parcel, flight delay, personal accident and driver income cover inside partner checkouts, and built its clickable ops console: partners, policy search with the customer's consent record, and a claims queue that checks authority, payee name and screening before any payout.","category":"Insurance / Embedded Insurance","client":"Payung Lintas"}}},{"meta":{"slug":"qistas","industry":"insurance","projectType":"Health claims adjudication","country":"sa","tags":["insurtech","healthcare","enterprise"],"compliances":["Cooperative Health Insurance Law","CHI Unified Health Insurance Policy","NPHIES (HL7 FHIR)","ICD-10-AM and SBS coding","SCFHS clinician registration","PDPL"],"cover":{"src":"/case-studies/qistas/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Qistas - Health Claims Adjudication with an Explanation on Every Line","description":"Designed and built a clickable claims adjudication platform for a Saudi cooperative health insurer: claims arrive through NPHIES, from member reimbursements or on paper, a rules engine decides each line with a trace and a provider explanation in Arabic and English, and only uncertain lines reach a medical reviewer.","category":"Insurance / Health Claims Adjudication","client":"Hadaba Cooperative Insurance"}}},{"meta":{"slug":"tussock","industry":"insurance","projectType":"Customer self-service app","country":"nz","tags":["insurtech","mobile"],"compliances":["CoFI Act 2022","Insurance (Prudential Supervision) Act 2010","Contracts of Insurance Act 2024","Fair Trading Act 1986","Natural Hazards Insurance Act 2023","Privacy Act 2020","Fair Insurance Code","WCAG 2.2 AA"],"cover":{"src":"/case-studies/tussock/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Tussock - Customer Self-Service App for Home, Contents, Car and Travel Insurance","description":"Designed and built a clickable self-service app for a New Zealand personal lines insurer: every policy on one home screen, cover in standard or plain language, renewals that explain each reason for a price change, claims with Natural Hazards Commission steps on the timeline, and payments with failed instalments fixed in a tap.","category":"Insurance / Customer Self-Service","client":"Kōtuku Insurance"}}}],"systems":[{"slug":"pylon","title":"Building Pylon - Insurance operations console"},{"slug":"gratwerk","title":"Gratwerk - Underwriting workbench"},{"slug":"kemudi","title":"Kemudi - Broker & agent portal"},{"slug":"kittiwake","title":"Kittiwake - AI claims intake"},{"slug":"ormeggio","title":"Ormeggio - Policy administration"},{"slug":"qistas","title":"Qistas - Health claims adjudication"},{"slug":"serambi","title":"Serambi - Embedded insurance API"},{"slug":"tussock","title":"Tussock - Customer self-service app"}],"problems":[{"id":"claims-intake-fnol","studies":[{"slug":"kittiwake","title":"Kittiwake - 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