Insurance Software Development
Claims & Policy Systems
Insurance runs on documents and deadlines. A claim arrives as a photographed form, passes through underwriting rules that change quarterly, and must be settled within a window a regulator counts. Software that treats this as generic workflow misses the two things that decide whether it works: how unstructured the inputs are, and how unforgiving the audit trail requirements are.
The Challenge & The Orus Solution
We turn complex business challenges into resilient, scalable digital systems.
The problem
Claims arrive as scans, phone photographs and PDFs of varying quality, and get keyed in by hand. Errors surface weeks later at settlement, when they are expensive to correct.
Underwriting rules live in a spreadsheet that one person maintains. When they change, nobody can say which policies were priced under the old version.
- Manual data entry from documents, with errors found late
- Policy and claim records spread across systems that do not reconcile
- Renewal lapses because nobody was told a policy was expiring
- Commission reconciliation with agents done in spreadsheets
- No defensible audit trail when a regulator or ombudsman asks
Our solution
We separate extraction from decision. Document understanding can be assisted by a model; eligibility and settlement run on explicit, versioned rules that a compliance officer can read. A system that cannot explain a decision is not usable in insurance.
Every state change on a policy or claim is recorded immutably with actor and timestamp, because that record cannot be reconstructed afterwards and it is the first thing asked for in a dispute.
- Versioned underwriting rules with a simulation mode
- Assisted document extraction with confidence-based human review
- Immutable audit trail on every policy and claim state change
- Renewal pipeline with automated multi-channel reminders
- Agent and TPA portals with commission visibility
Software solutions we build
Tailored services and software modules designed around your exact business model, tech stack, and growth goals.
Policy administration
Quotation, issuance, endorsement, renewal and cancellation across life, health, motor and general lines.
Claims management
First notice of loss through investigation, surveyor allocation, approval and settlement, with each stage timestamped.
Underwriting rules engine
Risk scoring and pricing as versioned configuration rather than code, so actuarial changes do not need a release.
Agent and broker portals
Lead entry, quotation, commission statements and renewal pipelines, so agents stop phoning your back office.
Document processing
Extraction from scans and photographs with confidence routing to human review rather than silent guessing.
Renewal and persistency
Lapse prediction and reminder sequences over WhatsApp, SMS and email.
TPA and hospital integration
Cashless pre-authorisation workflows and network hospital settlement for health lines.
Regulatory reporting
Data prepared in the formats IRDAI submissions require.
Security & compliance first
Insurance carries obligations that cannot be retrofitted after launch.
Why businesses choose Orus Studio
We separate extraction from decision
A model that decides is a model you cannot explain to a regulator. Ours extracts; rules decide.
Built for Indian insurance
IRDAI reporting, TPA workflows and cashless pre-authorisation are core, not a localisation layer.
Explainable by design
Any settlement can be traced back to the rule version and the inputs behind it.
You own the system
Source code and documentation are yours, which matters when regulation changes and you need to move fast.
Who this is for
- Insurers and reinsurers modernising policy administration
- Brokers and corporate agents managing multi-insurer pipelines
- Third-party administrators processing health claims at volume
- InsurTech startups needing a compliant platform quickly
- Insurers whose claims team spends its day on data entry
What you get
- Policy administration and claims platform
- Versioned, explainable underwriting rules
- Agent and TPA portals
- Document extraction with human-in-the-loop review
- IRDAI-aligned reporting data
- Full audit trail and source code
Frequently Asked Questions
Transparent answers about timelines, scope, technology stacks, and our process.
Can AI decide claims automatically?
Do you handle cashless health claims?
How do you handle underwriting rules that change often?
Can this integrate with our existing core system?
Or skip the build entirely
If one of these covers most of what you need, it will be faster and cheaper than building from scratch. We will tell you honestly which applies.
Building software for insurance?
Tell us where the process breaks — claims intake, underwriting, renewals or agent management — and we will come back with a scoped estimate.