Insurance Middleware Platform
MACH Architecture

Next-Generation Insurance Middleware Platform

MACH architecture. API-first design. Insurex24 connects your legacy core to modern digital channels — faster, smarter, and without costly system replacements.

MACH Architecture
Cloud-Native
API-First
Insurex24 Platform MACH Architecture
MMicro-services
AAPI-first
CCloud-native
HHead-less
API Ecosystem ● Live

50+

APIs

50+

Products

200ms

Avg Latency

Partner Apps 9 portals
POSP
Policy
Admin
CRM
Endow.
Claims

Insurance Middleware / Middle Office

A modern platform that bridges the gap between your legacy systems and digital innovation

Legacy Systems

Your existing core policy administration systems remain intact. No need for costly replacements.

  • Core Insurance Systems
  • Policy Administration
  • Claims Management

Insurex24 Layer

The intelligent middleware that connects, transforms, and orchestrates data between systems.

  • API Gateway
  • Data Transformation
  • Business Logic

Digital Channels

Modern customer-facing applications that deliver exceptional digital experiences.

  • Web Portals
  • Mobile Apps
  • Partner Integrations

How It Works

Insurex24 seamlessly connects your existing infrastructure with modern digital capabilities

1

Connect

Integrate with existing core systems via APIs

2

Transform

Process and orchestrate data intelligently

3

Deliver

Power modern digital experiences

Technology Foundation

Built on MACH Architecture

Every layer of Insurex24 follows MACH principles — giving you the composable foundation to innovate at speed, without limits.

M
A
C
H

M — Microservices

Independent, loosely-coupled services — each owning its domain, deployed and scaled without affecting the rest.

  • Domain-driven design
  • Independent deployment
  • Fault isolation
  • Team autonomy

A — API-first

10,000+ standardised insurance APIs covering every product line — RESTful, documented, and versioned for stability.

  • 10,000+ insurance APIs
  • OpenAPI 3.0 docs
  • Event-driven support
  • Versioned contracts

C — Cloud-native

Container-first, orchestrated by Kubernetes — deployable on AWS, Azure, GCP, or your own data centre.

  • Multi-cloud ready
  • Kubernetes-native
  • Auto-scaling
  • Zero-downtime deploy

H — Headless

Deliver through any frontend, channel, or partner interface — web, mobile, chatbot, or embedded.

  • Frontend agnostic
  • Omni-channel delivery
  • White-label ready
  • No vendor lock-in

MACH gives you a composable, vendor-neutral, future-proof platform. Build what you need — swap what you outgrow.

Composable by design Vendor-neutral Future-proof Standards-based Open ecosystem

Platform as a Service (PaaS)

Cloud-native, microservices-based, API-first platform built for scale and innovation

Cloud-Native

Built from the ground up for cloud environments with automatic scaling, high availability, and global deployment.

Microservices

Modular architecture allows independent deployment, scaling, and updates of individual services without disruption.

API-First

RESTful APIs enable seamless integration with any system, channel, or partner — all well-documented and versioned.

Containerized

Docker containers and Kubernetes orchestration provide portability and efficient resource utilisation.

Scalable

Horizontal and vertical scaling ensures your platform grows with business demands without performance loss.

Fast Innovation

Rapid product development and deployment cycles enable quick time-to-market for new insurance products.

Modern Architecture

Built with cutting-edge technologies for flexibility, scalability, and reliability

Technology Stack

Docker & Kubernetes

Containerization and orchestration for consistent deployment and automatic scaling.

Microservices Architecture

Independent, loosely-coupled services developed, deployed, and scaled independently.

API Gateway

Centralized entry point with authentication, rate limiting, and routing.

Event-Driven

Asynchronous messaging and event streaming for real-time data processing.

Digital Channels
Insurex24 Middleware
API Gateway
Auth Service
Policy Service
Claims Service
Core Systems
Policy Administration
Claims Management

Key Capabilities

Real-Time Sync

Instant data synchronization across all systems

Enterprise Security

Bank-level encryption and compliance

Analytics Ready

Built-in data analytics and reporting

Configurable

No-code configuration for business rules

API Automation

Automate Your Insurance API Workflows

Build, schedule, test, and monitor API integrations without writing complex code.

Visual Workflow Builder

Drag-and-drop canvas to design multi-step API flows — triggers, conditions, transformations, and actions — without code.

  • If-else branching logic
  • Parallel & sequential steps
  • Loop & retry handling

Scheduled Triggers

Run API jobs on cron schedule — nightly batch renewals, daily claims reports, hourly premium reconciliation.

  • Cron expression builder
  • Timezone-aware scheduling
  • Run history & audit logs

Event-Driven Webhooks

React instantly to business events — new policy issued, claim filed, payment received — and trigger downstream calls.

  • Inbound & outbound webhooks
  • Payload filtering & routing
  • Signature verification

Automated API Testing

Define test suites that run on every deployment — validate response schemas, assert business rules, catch regressions.

  • Contract & schema validation
  • Load & stress testing
  • CI/CD pipeline integration

Smart Error Recovery

Configurable retry policies with exponential back-off, dead-letter queuing, and automated alerts.

  • Exponential back-off retries
  • Dead-letter queue (DLQ)
  • Slack / email alerting

API Health Monitoring

Real-time dashboards track uptime, latency, error rates, and SLA compliance across every endpoint.

  • Latency & error-rate metrics
  • SLA breach alerts
  • Distributed tracing

How API Automation Works

Trigger

Event, webhook, or schedule fires

Transform

Map & enrich payload data

Execute

Call target APIs in sequence

Validate

Assert response & retry on failure

Monitor

Log, alert, and report outcomes

Live API Automation Demo

Select a scenario and run the automation flow

API Request POST

# Endpoint

POST /api/v1/policies

# Payload


            
Automation Log
Click "Run Automation" to start...

0

API Calls Run

0

Successful

Avg Latency

Success Rate

OCR Services

OCR & Document Intelligence

Extract structured data from PDFs, scanned documents, and images instantly — no manual entry, no errors.

PDF to Text

Convert insurance policy documents, claim forms, and regulatory PDFs into structured, machine-readable text in seconds.

Policy Documents

Extract policy terms & conditions

Claim Forms

Parse claim data automatically

KYC Documents

Extract identity information

Regulatory Reports

Digitise statutory filings

Image to Text (OCR)

Extract text from scanned images, ID card photos, and handwritten forms with AI-powered high accuracy.

ID Cards

Aadhaar, PAN, driving licence

Live Camera Capture

Real-time document scanning

Medical Reports

Extract health data from images

Accident Photos

Damage assessment from images

Enterprise OCR Capabilities

99.9% Accuracy Rate

AI-powered extraction with human-level precision

Multi-Language Support

English, Hindi, and all regional Indian languages

Bulk Batch Processing

Process thousands of documents simultaneously via API

Structured JSON Output

Schema-validated data ready for direct integration

99.9%

OCR Accuracy

<2s

Processing Time

50+

Document Types

20+

Languages

Communication Services

SMS & Email Services

Deliver timely, personalised communications to customers and partners across SMS and email channels at scale.

SMS Service

High-delivery transactional and promotional SMS for every insurance touchpoint.

  • Transactional SMS

    Policy issuance, premium due, claim status updates

  • OTP Delivery

    Secure one-time passwords for login and KYC verification

  • Bulk SMS Campaigns

    Renewal reminders and promotional offers at scale

  • Real-Time Delivery Reports

    Per-message delivery status and analytics dashboard

  • DLT-Approved Templates

    Pre-registered templates with dynamic variable substitution

99%

Delivery Rate

<3s

Delivery Time

10M+

SMS/Day

Email Service

Branded, template-driven email delivery for every insurance customer journey.

  • Transactional Emails

    Policy documents, e-receipts, claim acknowledgements

  • HTML Email Templates

    White-label branded templates with drag-and-drop editor

  • Bulk Email Campaigns

    Renewal campaigns, product announcements, newsletters

  • Auto Attachment Support

    Attach policy PDFs, certificates, and reports dynamically

  • Open & Click Tracking

    Engagement analytics and automated bounce management

98%

Inbox Rate

5M+

Emails/Day

DMARC

Compliant

Omni-Channel Insurance Communication

Policy Alerts

Premium due, expiry & renewal reminders via SMS + email

Claim Updates

Real-time status notifications at every claims milestone

OTP & Auth

Secure OTP for login, transactions, and KYC verification

Campaigns

Targeted promotions and cross-sell & up-sell campaigns

Verification Services

KYC & Aadhaar Verification

Instant, IRDAI-compliant identity verification — onboard customers and agents in minutes, not days.

KYC Verification

Full digital KYC pipeline — PAN, Aadhaar, bank account, and face match — all via API in under 60 seconds.

PAN Verification

Real-time PAN validation against Income Tax database

Live

Aadhaar eKYC

OTP-based Aadhaar verification via UIDAI APIs

Live

Bank Account Verification

Penny-drop and NACH mandate verification

Live

Face Match & Liveness

Selfie vs. ID photo with anti-spoofing liveness check

Live

Aadhaar Verification

UIDAI-integrated Aadhaar verification for agents, customers, and nominees — OTP-based, paperless, and fully IRDAI-compliant.

OTP-Based Verification

UIDAI OTP sent to Aadhaar-registered mobile number

QR Code Scan

Offline Aadhaar XML verification via secure QR scan

DigiLocker Integration

Fetch government-verified documents directly from DigiLocker

Masked Aadhaar Storage

Store only last 4 digits — DPDP & PMLA compliant

Verification at Insurance Speed

Fully IRDAI, DPDP, and PMLA compliant verification APIs

<5s

KYC Completion

100%

IRDAI Compliant

99.5%

Match Accuracy

0

Paper Required

Operations Automation

Automate Insurance Operations

Eliminate manual, repetitive tasks across every insurance operation — from policy issuance to claims settlement to regulatory reporting.

Policy Operations

Automate the full policy lifecycle — issuance, endorsements, cancellations, and renewals — without manual intervention.

  • Auto policy issuance on payment confirmation
  • Scheduled renewal reminders & auto-renewals
  • Endorsement processing with maker-checker

Claims Operations

Automate FNOL intake, document collection, fraud checks, assessment routing, and settlement disbursement.

  • Auto FNOL registration from any channel
  • AI-assisted fraud detection & flagging
  • Automated settlement & payment trigger

Premium Collection

Automate premium collection, payment reconciliation, receipt generation, and lapse management.

  • Auto-debit via NACH mandate
  • Payment reconciliation with accounting
  • Auto e-receipt generation & delivery

Regulatory Compliance

Auto-generate IRDAI returns, statutory submissions, and audit reports on schedule — zero manual preparation.

  • Scheduled IRDAI statutory returns
  • TAT monitoring & SLA breach alerts
  • One-click audit evidence packages

Agent Operations

Automate agent onboarding, commission calculation, payout processing, and performance reporting.

  • Auto commission calculation per rule
  • Payout processing & TDS deduction
  • License renewal alerts & reminders

Customer Service

Automate customer queries, grievance workflows, escalations, and service request fulfilment.

  • AI chatbot for 24/7 query resolution
  • Auto-escalation on SLA breach
  • Grievance tracking & closure

Operational Impact

Insurers using Insurex24 operational automation report dramatic reductions in manual effort, processing times, and error rates across every department.

End-to-end workflow orchestration — no human in the loop

24/7 automated processing — no business-hour limits

Full audit trail on every automated action

80%

Reduction in Manual Work

10×

Faster Processing

99%

Error-Free Operations

24/7

Always-On Automation

Data Platform

Insurance Data Platform

Turn raw insurance data into governed, actionable intelligence — in real time, at scale, fully compliant.

Real-Time Streaming

Ingest and process millions of insurance events per second with sub-100ms latency.

Apache KafkaEvent sourcing<100ms latency

Analytics Engine

Built-in analytics with 200+ pre-built insurance KPIs — loss ratio, combined ratio, premium GWP.

200+ insurance KPIsGWP tracking

Data Vault

Centralised, governed data store with full lineage, audit trail, and retention policies — IRDAI & GDPR compliant.

Full data lineageIRDAI / GDPR ready

Regulatory Reporting

Auto-generate returns, statutory reports, and regulatory submissions at a click.

Statutory returnsScheduled delivery

BI & Dashboards

White-label dashboards with drag-and-drop builder. Export to Power BI, Tableau, or Looker.

White-label BIPower BI / Tableau

Data Integration Hub

50+ pre-built connectors for data warehouses, lakes, and external enrichment providers.

50+ connectorsLow-code canvas

Data Flow Architecture

From source systems to actionable insights — in milliseconds

Source Systems

Core PAS
Claims System
Billing Engine

Insurex24 Data Layer

Real-Time Streaming
Transform & Enrich
Data Vault

Consumers

BI Dashboards
Regulatory Reports
Analytics APIs

<100ms

Stream Latency

200+

KPIs Out-of-Box

50+

Data Connectors

100%

Audit Coverage

Why Choose Insurex24?

Transform your insurance operations without disrupting existing systems

Reduce Costs

No need to replace expensive legacy systems. Extend their life while adding modern capabilities at a fraction of the cost.

Faster Time-to-Market

Launch new products and features in weeks instead of months. Rapid innovation without system-wide changes.

Better Customer Experience

Deliver modern, seamless digital experiences across all channels while maintaining data consistency.

Easy Integration

Connect with any system, partner, or channel through standardized APIs. No vendor lock-in.

Enterprise-Grade Security

Built-in security, compliance, and governance features meet the strictest insurance industry requirements.

Scalable Growth

Platform scales automatically with your business. Handle millions of transactions without performance issues.

Ready to Transform Your Insurance Operations?

Join leading insurers who are modernising their systems with Insurex24

Schedule a Demo

Use Cases

See how Insurex24 enables innovation across insurance operations

Digital Self-Service

Enable customers to purchase policies, file claims, and manage accounts through web and mobile apps.

Partner Ecosystems

Connect with brokers, agents, and distribution partners through standardized API integrations.

Instant Quotes

Provide real-time pricing and underwriting decisions powered by modern rating engines.

Claims Automation

Streamline claims processing with automated workflows, document processing, and fraud detection.

Analytics & Insights

Gain real-time visibility into operations with comprehensive dashboards and reporting.

Product Innovation

Launch new insurance products quickly without modifying core systems or lengthy development cycles.

Get Started with Insurex24

Schedule a demo to see how Insurex24 can transform your insurance operations

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