Launch insurance products in weeks, not quarters.
A single platform to design, distribute, and renew insurance — embedded into your channels, configured by your team, governed by IRDAI standards.
30 Days
To Your First Launch
IRDAI
Compliance Guidance
100%
White-labelled
The Insurance OS
Modular components designed to handle every stage of the policy lifecycle.
Quote Comparison
Multi-carrier quote engine with real-time premium calculation.
Smart Suitability
AI-driven product matching against customer signals — risk profile, life stage, and channel context.
Issuance
Instant policy generation with e-KYC, e-stamping, and a B2B-ready underwriting engine for group and commercial lines.
Renewal
Lapsation prediction, auto-debit recovery, and intelligent nudge sequences engineered to protect LTV.
Claims & Endorsements
Digital claim intimation, document parsing, and real-time status tracking. Endorsement workflow built in.
Partner MIS
Live dashboards for partner performance, premium reconciliation, persistency, and channel-level economics.
How partners go live
A structured onboarding path that handles carrier integrations, regulatory setup, and partner UX in parallel - so you ship faster without skipping anything that matters.
- WEEK 1
Discovery & scoping
We map your distribution channels, target customer segments, and product mix. Carriers are shortlisted based on appetite, commercials, and integration readiness.
Use-case workshopCarrier shortlistProduct roadmap - WEEK 1-2
Technical integration
One API surface for quote, issue, claim, and renewal - regardless of how many carriers sit behind it. Sandbox access, test credentials, and reference SDKs delivered on day one.
Single API contractSandbox & test dataWebhook events - WEEK 2-3
Configuration & UX
Branding, journey rules, eligibility logic, and partner-specific underwriting parameters configured without code. Embedded widgets or full standalone flows - your call.
White-label themingJourney builderA/B test ready - WEEK 3-4
Go-live & scale
Production cutover with monitored rollout, regulatory reporting hooks active, and a dedicated success team for the first 90 days. Iterate weekly based on conversion data.
Phased rolloutLive MIS dashboardDedicated success team
Built for serious insurance distribution.
An infrastructure platform engineered from the ground up for banks, NBFCs, and fintechs that want to launch insurance without owning the regulatory or carrier complexity.
Built-in compliance & audit workflows
API-first embedded insurance infrastructure
Real-time policy issuance & reconciliation
Faster go-live for banks & insurance companies
Scalable distribution across channels
Unified onboarding, underwriting & issuance
Enterprise-grade security & governance
“Our team has spent years inside India's largest banks and insurers — we know exactly what slows down a product launch, and we've engineered every shortcut into the platform.”
The Team Behind NBD
Ex-banking & insurance leadershipShip product changes without shipping code.
Eligibility rules, pricing logic, journey branches, and partner-specific underwriting — all editable by your product team. Engineering owns the integration once; the business owns iteration after.
Visual rule builder
Drag-and-drop eligibility, exclusions, and discount logic. Test in sandbox, promote to production with one click.
Low-code for edge cases
When rules aren't enough, drop into JavaScript expressions for custom logic — same UI, no separate deployment.
Versioning & rollback
Every change tracked. Audit who changed what, when, and roll back instantly if a rule misbehaves in production.
Choose how you ship insurance.
Three deployment models — same platform, same APIs, same regulatory backbone. Start with one, expand as your distribution matures.
Embedded
Insurance offers placed contextually inside your existing flows — at checkout, post-loan disbursal, or alongside a transaction. Customers stay in your app the whole way.
Native SDKs & widgets- Event-driven trigger logic
- Single-tap purchase
White-label
Your brand, your domain, our backend. Full insurance journey with your visual identity — hosted independently or behind your CDN.
- Configurable theme system
- Custom domain & email sender
- End-to-end branded UX
Standalone
Launch a standalone insurance product fast. We provide the full distribution surface; you provide the brand and audience.
- Hosted distribution storefront
- Marketing-ready landing pages
- Built-in agent management
An AI layer that moves with your customer.
Every quote, claim, and renewal is augmented by models trained on Indian insurance behaviour — so partners ship outcomes, not just infrastructure.
Risk-scored underwriting in milliseconds
AES-256 at rest, TLS 1.3 in transit. Sensitive fields like medical history and KYC documents use separate, field-level encryption keys.
Lapsation prediction & renewal nudges
Aadhaar, PAN, and policy numbers are tokenized at ingestion. Internal systems operate on tokens — raw identifiers are never logged or cached.
Smart product matching by customer signal
Multi-region backups with defined RPO and RTO commitments. Automated failover, regular DR drills, and incident playbooks aligned with regulatory breach-notification timelines.
Automated claims triage & document parsing
Multi-region backups with defined RPO and RTO commitments. Automated failover, regular DR drills, and incident playbooks aligned with regulatory breach-notification timelines.
Cost-effective and faster go-to-market.
Our platform provides a budget-friendly and rapid solution for banks and insurance partners to launch products. Transition from idea to deployment in record time.
Low upfront integration costs
AES-256 at rest, TLS 1.3 in transit. Sensitive fields like medical history and KYC documents use separate, field-level encryption keys.
3x faster time to market
Aadhaar, PAN, and policy numbers are tokenized at ingestion. Internal systems operate on tokens — raw identifiers are never logged or cached.
Predictable, scalable pricing
Multi-region backups with defined RPO and RTO commitments. Automated failover, regular DR drills, and incident playbooks aligned with regulatory breach-notification timelines.
Bank-grade security by design.
Every transaction, document, and customer record is protected by enterprise-grade infrastructure — built around the assumption that no system is ever fully trusted, and every action must be verifiable.
End-to-end encryption
AES-256 at rest, TLS 1.3 in transit. Sensitive fields like medical history and KYC documents use separate, field-level encryption keys.
PII tokenization
Aadhaar, PAN, and policy numbers are tokenized at ingestion. Internal systems operate on tokens — raw identifiers are never logged or cached.
Disaster recovery & business continuity
Multi-region backups with defined RPO and RTO commitments. Automated failover, regular DR drills, and incident playbooks aligned with regulatory breach-notification timelines.
Zero-trust access control
Every internal service authenticates per-request. SSO and MFA enforced for partner teams, with role-based permissions scoped to the minimum required.
Immutable audit trails
Every read, write, and access event is logged to append-only storage — tamper-evident and queryable for regulatory review or forensic investigation.
Continuous penetration testing
Quarterly third-party VAPT cycles plus a responsible disclosure program. Findings are tracked publicly with remediation SLAs.
IRDAI aligned
The platform is engineered around current insurance regulatory frameworks in India — so partners can focus on distribution and customer experience, not on building compliance infrastructure from scratch.
Regulator-aligned workflows
Built around IRDAI guidelines
Distribution-model ready
Web aggregator & corporate agency
Digital KYC infrastructure
Aadhaar, PAN & video verification
Data protection ready
DPDP Act 2023 architecture
ABHA integration
Ayushman Bharat Health Account
eIA support
e-Insurance Account ready
Ready to scale your insurance distribution?
Join the next generation of financial platforms delivering seamless insurance experiences with Insure by NBD.