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    Insurance AI

    The AI Platform for
    Every Insurance
    Function.

    Six AI agent suites — claims, underwriting, distribution, policy servicing, fraud & compliance, and workforce analytics. One platform. Built for regulated insurers.

    Insurance AI · Live
    AI ACTIVE
    Policy Renewed · Add-on Active · Endorsement Issued · 1m 58s
    6
    AI modules across the insurance value chain
    22,514+
    Qualified leads generated in 6 months
    60–80%
    Reduction in manual operational effort
    Weeks
    To go-live, not quarters
    Trusted across global insurers and BFSI institutions
    Built for regulated insurance environments
    On-prem, private cloud, hybrid
    Audit-ready, compliant AI workflows
    The Cost of Inaction

    Indian Insurance Is Running on
    Manual Processes.

    Every year insurers lose billions to fraud, weeks to manual claims cycles, and customers to faster competitors. The operations running the industry were designed before smartphones existed.

    ₹45,000 Cr
    lost to insurance fraud annually
    Across the Indian industry. Most pre-payout detection is rule-based and misses novel organised patterns entirely.
    14 days
    average claim settlement cycle
    Customers now expect digital speed. Adjusters are still chasing documents by phone, email, and WhatsApp.
    40%
    of underwriting time is on data gathering
    Less than half a typical underwriter's day goes to actual risk judgment. The rest is clerical work that AI can do instantly.
    The Fluid AI Answer

    Fluid AI Turns Every One of
    Those Problems Into a Solved Workflow.

    ₹45,000 Crlost to fraud

    AI screens every claim before payout

    40+ fraud signals checked on 100% of submissions — not the 5% an adjuster can manually review. Duplicate detection, network analysis, and document AI run in parallel before a single rupee moves.

    Fraud & Compliance AI →
    14 daysclaim cycle

    Claims resolved in hours, not weeks

    FNOL intake, fraud screening, documentation, and adjuster assignment — automated end-to-end. No phone tag. No email chains. Straight-through for 85% of motor cases.

    Claims AI →
    40%admin time

    Underwriters underwrite. AI does the rest.

    Document extraction, data enrichment, and 200+ parameter risk scoring delivered as a decision-ready brief. Underwriters spend their day on judgment, not data entry.

    Underwriting AI →
    Omnichannel AI

    One Brain. Every Channel.

    Every insurance interaction — claims, renewals, queries, endorsements — served across voice, chat, WhatsApp, and email with the same intelligence.

    📞 Incoming · Claims Line
    "Hi, I'd like to file a claim..."
    VOICE AI
    💬 Chat · fluid.ai
    I need to report an accident
    WEB CHAT
    WhatsApp · Claims
    Filed claim CLM-2026-8821
    Estimate: 48 hrs
    WHATSAPP
    📧 From: claims@insurer.com
    To: policyholder@email.com
    Subject: Claim Status Update
    Your claim CLM-2026-8821 has been logged. An adjuster will reach out within 48 hours...
    EMAIL

    All four channels. One agent. One audit trail.

    See It In Action

    Watch the AI handle real insurance workflows.

    Live demos. No edits. No narration scripts.

    CHAT AI FILES A CLAIM

    VOICE AI HANDLES A CLAIM

    The Architecture

    Built on MCP. Built for your insurance stack.

    Connects to your policy admin, claims management, CRM, and data warehouse
    Deploys on-premise or private VPC — no data leaves your environment
    Multilingual across 22+ languages for every channel and every market
    Full audit trail on every interaction — SOC 2 Type II and ISO 27001:2022
    MCPPowered by Model Context Protocol
    claims-agent · live● PROCESSING
    $ claims_agent.execute(policy="POL-AUTO-4582193")
    → Authenticating policyholder...
    → Pulling policy from PAS... ✓ Active, comprehensive cover
    → Collecting incident details...
    → Vehicle: Honda Civic 2022, front bumper
    → Routing to claims management...
    → Claim CLM-2026-8821 logged. ETA: 48 hrs.
    Why Fluid AI

    What Makes It Different From Everything Else.

    Built for Regulated Insurance

    SOC 2 Type II. ISO 27001:2022. IRDAI-compliant audit trails. On-premise or private VPC deployment. Designed from day one for insurers who cannot compromise on security or compliance.

    Wraps Your Existing Stack

    Fluid AI connects to your existing policy admin, claims management, and CRM systems via MCP. No rip-and-replace. No multi-year migration. Your existing investments stay intact.

    Live in Weeks. ROI in 90 Days.

    First module deployed in 4–6 weeks. Measured outcomes — reduced handling time, higher STP rates, lower fraud losses — visible within the first quarter of deployment.

    "One insurer generated 22,514 qualified leads in six months — without adding a single sales headcount."

    DISTRIBUTION AI · LIFE INSURER

    AI-qualified leads from inbound and outbound channels, routed to the right agent with full context attached.

    "Claim cycle dropped from 14 days to under 4 hours for 85% of straight-through motor cases."

    CLAIMS AI · GENERAL INSURER

    FNOL, fraud screening, documentation, and adjuster assignment automated end-to-end with no manual handoff.

    "Zero missed SLA filings and zero late regulatory submissions since Compliance AI went live."

    FRAUD & COMPLIANCE AI · LIFE INSURER

    IRDAI circular monitoring, SAR generation, and audit filings handled automatically with a full trail.

    FAQ

    Frequently Asked Questions.

    Not Just AI. End-to-End Insurance Operations.

    "No isolated chatbots. No disconnected modules. No manual workflows. AI that connects to every system in your insurance stack and completes operations end-to-end — from claim intake to compliance filing."

    Deploy AI Across Every Insurance Function