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How Our Systems Work

The Workflows Inside Our Products

Most vendors describe their products in adjectives. We'd rather show you the operating workflows our systems actually run — the same sequences our clients' operations teams see every day. Each workflow below is drawn from a product in production.

EB Setup EB Endorsement RPA RFQ to Placement Corporate Claims RI Booking & Remittance RI Claims PAS Operations MyCAT Compliance Servicing

WF-01 · EMPLOYEE BENEFITS

EB Policy Setup & Enrollment

How a new group policy goes from broker desk to E-cards in employees' hands, with maker-checker review and TPA integration throughout.

EB-SETUP.WORKFLOW · 7 STEPS

  1. Ops Manager sets up policymaker · policy parameters configured
  2. Ops Executive updates plan & demographydata · member coverage details
  3. TPA generates E-cardsintegration · third-party administrator
  4. Ops reviews & approveschecker · four-eyes control
  5. Welcome mailer sent to HRcomms · automated email
  6. COI & E-cards issued to employeesoutput · certificate of insurance
  7. Monthly enrollment beginssteady state · ongoing servicing

Why it matters

  • Maker-checker review is built into the flow, not bolted on
  • TPA integration removes manual E-card handling
  • HR and employees are informed automatically at each stage

Covers

  • GPA · GMC · GTL · Flexi programs
  • Omni-channel servicing: WhatsApp, SMS, Email

WF-02 · EMPLOYEE BENEFITS · RPA

EB Endorsement — Bot-Run, End to End

Monthly member additions and deletions arrive as Excel from HR. A bot does the rest — validation, cash-deposit checks and endorsement generation — without an operations queue.

EB-ENDORSEMENT.RPA · 6 STEPS

  1. CET sends endorsement Excelinput · client engagement team
  2. Bot triggers notificationsrpa · stakeholders alerted
  3. HR sends endorsement datainput · additions, deletions, corrections
  4. Bot validates data & checks CD balancerpa · cash-deposit sufficiency gate
  5. Bot processes changesrpa · policy records updated
  6. Endorsement generatedoutput · insurer & TPA synchronised

Why it matters

  • The CD balance check happens before processing — no endorsements issued against insufficient deposits
  • Validation failures route back to HR with specifics, not generic errors
  • One of 20+ bots we run in production for broking operations

WF-03 · QUOTE MANAGEMENT

RFQ to Placement in QMS

The commercial-lines pipeline from request-for-quote to placed policy — API-sourced quotes, AI-assisted comparison and maker-checker control before anything reaches the client.

QMS-PLACEMENT.WORKFLOW · 7 STEPS

  1. RFQ receivedinput · commercial lines request
  2. Customer profilingintegration · CIBIL / KARZA
  3. Quotes sourced from insurersapi · direct insurer integrations
  4. Comparison & gap analysisai-assisted · 23+ products, cover gaps flagged
  5. QCR prepared & reviewedmaker-checker · quote comparison report
  6. Placementdecision · client-selected cover bound
  7. Payment & income bookingintegration · payment gateway + finance

Why it matters

  • Cover-gap identification is AI-assisted — the system flags what a proposal doesn't cover, not just premiums
  • QRR consolidated reporting comes out of the same pipeline
  • Premium calculator and income booking are integrated, not separate tools

WF-04 · CORPORATE CLAIMS MANAGEMENT

Corporate Claim Lifecycle in CMS

From intimation to settlement across Property, Marine, Engineering, Miscellaneous and Aviation lines — including the steps most systems skip: customer consent, FSR issuance and discharge voucher execution.

CMS-CLAIM.WORKFLOW · 8 STEPS

  1. Claim intimationinput · customer initiates, details captured
  2. Surveyor appointedworkflow · survey tracked to completion
  3. Documents collected & validatedgate · compliance checked
  4. Loss assessmentdecision · surveyor assessment recorded
  5. Customer consent capturedapproval · assessment shared & accepted
  6. FSR issuedoutput · final survey report generated
  7. Discharge voucher executedgate · signature & stamp captured
  8. Settlement remittedclosure · amount paid, status updated

Why it matters

  • Consent and discharge are explicit workflow gates, not email threads — nothing settles without a captured approval
  • Every claim feeds MIS by ageing, branch, LOB and major-claims category
  • Dashboards track TAT by LOB, month and branch — the number ops managers actually watch
  • QC review, reopen workflow and a learnings module turn closed claims into institutional knowledge

WF-05 · REINSURANCE

RI-PAS: Booking to Remittance

Reinsurance operations run in two connected sequences — booking & documentation, then funds & remittance — each with its own compliance gates.

RIPAS-BOOKING.WORKFLOW · PART 1

  1. Booking request raisedinput · new / renewal categorised
  2. Document completeness checkgate · PPW & checklist controls
  3. PRN generatedsystem · placement reference number
  4. Debit / credit note createdfinance · automated with SOA
  5. Tax documentationcompliance · PE, TRC, 10F handled
  6. MIS generatedoutput · audit & IRDAI-ready

RIPAS-FUNDS.WORKFLOW · PART 2

  1. Receipt mappingfinance · premium receipting
  2. Payment instruction raisedworkflow · installment tracking
  3. Approvalsgate · operational controls
  4. Overseas remittance confirmedmulti-currency · cross-border settlement
  5. Compliance certificate issuedoutput · closure evidence

Also in RI-PAS

  • Layer-wise risk allocation with class & subclass mapping
  • Reinsurance claims: intimation → final loss → settlement with auto allocation and debit-note generation
  • Finance and claim dashboards; sales/placement mapping and renewal status MIS

WF-06 · REINSURANCE · CLAIMS

Reinsurance Claims: Intimation to Remittance

A reinsurance claim crosses cedant, broker, reinsurers, operations and finance — our RI system runs the full chain with approvals at every hand-off and allocation by each reinsurer's share.

RI-CLAIM.WORKFLOW · 8 STEPS

  1. Claim intimation capturedinput · documentation checklist opened
  2. Claim allocated to reinsurerssystem · by share percentage
  3. Intimation sent to RIcomms · cedant acknowledged
  4. Debit note generatedfinance · with attachments
  5. Payment receipt notifiedtracking · ops team alerted
  6. Payment allocated to financefinance · receipts mapped
  7. Approvals across Ops, Finance & RIgate · three-way sign-off
  8. Payment remitted, claim closedclosure · settlement complete

Also in the RI system

  • Inquiry / pre-placement with reinsurer selection and full email response trail
  • Placement with premium, brokerage and tax details; premium schedules for cedant & RI
  • Financial and non-financial endorsements; proportional treaty adjustments
  • Payment workflow: allocation, verified payment instructions, refunds and rejections

Reports & dashboards

  • MIS, TAT, premium remittance and settlement reports
  • Exchange gain/loss, brokerage and RI payable finance reports
  • GST, TDS and claim reports
  • PPW tracker, certificate validity and premium due reports

WF-07 · POLICY ADMINISTRATION

PAS: Transaction Control & Income Booking

The system of record for a broking operation — every transaction passes maker-checker control, and income booking reconciles automatically against invoices and statutory portals.

PAS-TRANSACTION.WORKFLOW · 7 STEPS

  1. Master data configuredsetup · products, POSP, co-insurance, co-broking, rate capping
  2. Maker enters transactionmaker · policy or endorsement
  3. Checker validates & approveschecker · four-eyes control
  4. Bulk data processedsystem · policies & endorsements validated in bulk
  5. Income bookedfinance · brokerage per policy
  6. Reconciled with invoicesfinance · mismatches flagged
  7. GST / MISP / POS integrationcompliance · statutory portals synchronised

Also in PAS

  • Renewal management: due-date tracking, renewal notices, renewal endorsements
  • POSP onboarding: detail capture, document validation, approval
  • Bulk upload for policies and endorsements with validation
  • MFA, SSO, Active Directory integration and full audit trail

WF-08 · MyCAT · COMPLIANCE AUTOMATION

MyCAT: Regulatory Compliance, Tracked to Closure

Our Compliance Automation Tool for BFSI entities keeps every RBI circular, filing and certification on a tracked, escalated, audit-ready path — nothing depends on someone remembering.

MYCAT-CIRCULAR.WORKFLOW · 6 STEPS

  1. RBI circular tracked & storedinput · circulars, communications, guidelines
  2. Disseminated to stakeholdersrouting · role-based notification
  3. Actionables assignedworkflow · circular & adhoc requirements
  4. Auto-reminders until closuretracking · configurable escalation matrix
  5. Compliance certified at three levelsgate · SPOC → Function Head → CXO
  6. Audit trail maintainedoutput · entity-level compliance dashboard

Filings workflow

  • All submissions and returns due for the month, at entity level
  • Historical submissions stored year-wise in a searchable repository
  • Submission status tracked from due date to filed

Also in MyCAT

  • Regulator emails and adhoc data requests disseminated with communication logs
  • Compliance / non-compliance captured at functional and entity level
  • Historical certifications stored; masters for roles, fields and configuration

WF-09 · SERVICING

Query Management & WhatsApp Self-Service

Two sides of servicing: a CRM ticket workflow for queries that need people, and a WhatsApp menu that answers the rest without a ticket at all.

EB-QUERY.WORKFLOW · CRM

  1. Ticket raisedinput · any channel
  2. CRM assigns ownerrouting · accountable resolver
  3. Resolution & remarks recordedaction · full audit trail
  4. Verified & closedgate · closure confirmed with requester

WhatsApp self-service menu · EB

  • Policy details on demand
  • E-card & dependent information
  • Resources & documents
  • Live claims status
  • Hospital network lookup

These five journeys resolve the bulk of member queries before they ever become tickets — the CRM workflow handles what genuinely needs a person.

Want to see these workflows running live?

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