Insurers selling motor, health, travel or term life direct to retail customers need a platform that closes the sale in minutes, not days — and that issues a real policy, not a placeholder PDF that sits in a queue waiting for back-office keying. Redian builds digital insurance platforms that connect the customer-facing journey to your policy administration system, payment rails and underwriting rules so a quote becomes a bound, paid, issued policy in a single sitting.
What it does
A Redian digital insurance platform handles the full direct-to-customer journey end to end. The customer lands on a branded web or mobile flow, enters minimal data, gets a rated quote in seconds, completes e-KYC, pays through the local rails (UPI, M-Pesa, card, net banking, wallet), and receives a signed policy document and certificate by email and in-app — typically inside three to five minutes. The same platform handles renewals, mid-term endorsements, soft-copy retrieval, and FNOL for claims notification.
This is not a marketing microsite bolted onto a legacy PAS. Quoting uses your real rating tables, pre-issuance checks hit your real underwriting rules, and issuance writes directly to your policy administration system so the policy is in force the moment payment clears.
Where it fits
The platform suits general insurers and life insurers selling simple-to-moderate-complexity products direct to retail customers, bancassurance partners distributing through bank apps, and aggregator-backed insurers in markets like India, Kenya, Nigeria and the UAE where mobile-first buying is the dominant channel. We have shipped equivalent stacks for aggregators (see the InsureMe Kenya build) and for carrier-direct journeys where the insurer owns the customer relationship rather than renting it.
Lines we have implemented: private car and two-wheeler motor, individual and family health, inbound and outbound travel, term life, personal accident, home contents, and SME package covers.
What we deliver
A typical engagement covers:
- Product and quote engine — configurable product factory for cover variants, add-ons, IDV/sum-insured logic, NCB handling, and discount rules. New variants ship without code changes.
- Customer journey — responsive web and native mobile flows, vehicle/RC lookup, prefill from existing customer records, OTP login, save-and-resume.
- e-KYC and identity — Aadhaar e-KYC, PAN verification, CKYC pull, OCR for ID documents, video KYC where the regulator requires it, and biometric capture on field-agent devices.
- Payment and reconciliation — integration with payment gateways and local rails, automatic reconciliation against the GL, refund handling and partial-payment workflows for instalment products.
- Underwriting and STP rules — straight-through processing for clean risks, knock-out rules for referrals, and a structured queue for underwriter review when the rules don't decide.
- Issuance and document generation — PAS-backed binding, dynamic policy document and schedule generation with regulator-mandated wording, digital signature and stamping.
- Renewals and servicing — automated renewal invitations, premium recalculation, NCB carry-forward, soft-copy retrieval, address and nominee change endorsements.
- Distribution flexibility — the same platform serves your owned channel, partner banks, embedded checkout for travel and e-commerce partners, and a thin agent app for assisted sales.
Where pricing needs to move beyond static tables, we plug in an ML pricing and rating engine. Where broker-led D2C is in scope, we extend into the insurance broker management system.
Why Redian
We build for insurers, not for a generic e-commerce template. The team has implemented core insurance systems across motor, health, life and travel in India, Kenya, the UK and the UAE, and we know how to write to regulator-mandated wording, hold premium in trust, generate compliant policy documents, and pass IRDAI / IRA / NAICOM / IA audits. Delivery runs under our CMMI Level 3 appraised process, with documented requirements, traceable test cases and a release cadence that doesn't break in-flight policies.
Most carrier-direct journeys we have rebuilt go from issuance times measured in hours or days down to under five minutes, and from PDF-and-email policy delivery to live-in-the-app issuance. The platform connects cleanly to our wider insurance practice — PAS, claims, reinsurance, broker management — so the D2C front end is not an island.
Working with Redian
We typically start with a four-week discovery: target lines, product rules, partner integrations, regulator constraints and a working clickable prototype of the buy journey. From there a first line of business goes live in 10 to 14 weeks, with subsequent lines layering on the same platform. Talk to us through contact, or read how we have built equivalent stacks for direct and aggregator-led insurers in our case studies.
