Key Features & Functionalities:

🧾 1. Policy Management

Digitize and centralize policy lifecycle management from issuance to renewal.

• End-to-end policy lifecycle support: issuance, endorsements, renewals, cancellations

• Product configuration engine for multiple policy types (life, general, health, vehicle, etc.)

• Document management for e-policies, certificates, and terms

• Automated policy generation and renewal reminders

• Integration with underwriting and actuarial tools
  
  

⚙️ 2. Claims Processing & Automation

Accelerate claims lifecycle with transparency, speed, and accuracy.

• Guided claim submission forms (online/offline)

• Automated claims validation and fraud detection rules

• Multi-level claim approval workflows

• Document upload and checklist validation

• Auto-adjudication for simple claims

• Settlement calculation engine and payment gateway integration
  
  

👨‍💼 3. Customer & Agent Portals

Empower stakeholders with real-time access and self-service capabilities.

• Dedicated portals for policyholders, agents, and brokers

• Track policies, file claims, upload documents, and view statuses

• Commission tracking and lead management for agents

• Notifications and alerts via email/SMS/WhatsApp

• Knowledge base and chatbot integration for support
  
  

📊 4. Advanced Reporting & Analytics

Get insights that drive smarter decisions across the insurance value chain.

• Dashboard for real-time operational metrics and KPIs

• Claims trend analysis and loss ratio monitoring

• Premium collection and lapse reports

• Regulatory and compliance reporting

• Custom report builder with export and scheduling options
  
  

📅 5. Workflow & Task Automation

Optimize every touchpoint in the policy and claims journey.

• Rule-based workflows for underwriting, claims, renewals, and payouts

• Task assignment with SLA-based escalation rules

• Notification engine for automated follow-ups and actions

• Exception handling and rework queue management
  
  

🔗 6. Third-Party Integrations

Connect seamlessly with your existing ecosystem.

• API integrations with underwriting platforms, payment gateways, and ERPs

• Medical and garage partner networks for TPA and motor claims

• Integration with Aadhaar, PAN, and other KYC services (India-specific)

• IoT and telematics integration for real-time vehicle data
  
  

🛡️ 7. Risk & Compliance Management

Ensure regulatory adherence and secure data governance.

• Compliance tools for IRDAI, HIPAA, GDPR, and other regulations

• Audit trails, role-based access control, and user logs

• e-KYC and AML verification tools

• Data encryption at rest and in transit

• Documented audit processes and compliance templates
  
  

📱 8. Mobile App Access

Access insurance services anytime, anywhere.

• Native Android/iOS apps for policyholders and agents

• Claim filing with document/photo upload on mobile

• Push notifications for claim updates and renewals

• Geo-tagging and on-site survey tools for assessors

• Real-time support via chat or call
  
  

🧠 9. AI & ML Capabilities (Optional Add-On)

Add intelligence to your claims and risk operations.

• Predictive analytics for risk assessment and premium pricing

• AI-powered fraud detection based on pattern recognition

• Smart claim routing and triage automation

• Customer sentiment analysis for complaint resolution
  
  

💼 10. Multi-Entity, Multi-Line Support

A single platform to manage complex operations across business units.

• Manage multiple lines of insurance within a unified system

• Support for multi-branch and multi-location setups

• Currency and localization features for global markets

• User role and data access control by region or business unit