Digitize and Accelerate Risk Decisions with AI-Powered Smart Underwriting Systems.
Traditional underwriting slows growth with manual reviews and siloed data. Smart Underwriting by Indus Net Technologies (INT.) automates risk assessment, integrates external data, and applies AI models to deliver faster, fairer, and more accurate decisions.
Smart Underwriting isn’t just speed — it’s intelligence that builds profitable portfolios.
Next-gen underwriting needs to be automated, dynamic, data-driven, and explainable — across life, health, motor, and group segments.
Centralize all logic — rules, scoring models, referral triggers — into one configurable platform
Analyze applications using ML trained on historical data, claims behavior, medical history, and lifestyle markers
Flag synthetic IDs, mismatched declarations, or high-risk behavior before approval
Launch or tweak underwriting rules per product, geography, partner, or channel — without code changes
Enable embedded underwriting across D2C, POSP, agent portals, and partner APIs
Auto-pull from bureaus, diagnostic labs, wearables, hospitals, and financial aggregators
Auto-route exceptions to underwriters with reason codes, prioritization, and document tagging
Generate justifications for every automated or manual decision — logged for IRDAI, reinsurers, and internal audits
Underwriting isn’t just risk assessment — it’s the moment where customer experience meets business profitability.
We combine domain-specific AI, rule engines, and automation to help insurers achieve scalable, compliant underwriting — with better outcomes.
Build underwriting journeys per product: Term, Health, ULIP, Group, Motor, Commercial Lines
Combine static logic (FOIR, BMI, age) with adaptive models that learn from claim triggers and churn behavior
Connect with medical underwriters, APS partners, PAN/Aadhaar verification, financial scorecards, and labs
Prioritize cases, view flagged variables, initiate telemedical steps, or request documents — all in one screen
Auto-track aging, send escalation nudges, and track approval rates across branches, zones, and partners
Share model logic, claim ratios, approval trends, and risk distributions in reinsurer-ready formats
INT. helps you transform underwriting from a delay point into a competitive edge — smarter, faster, and regulator-aligned.
Let’s assess the speed, accuracy, and auditability of your current underwriting workflows — and identify where intelligence can unlock scale.
You’ll receive:
We go beyond maintaining operations—we empower businesses with data, insights, and best practices to stay ahead in an ever-evolving digital landscape.
