Insurance.
Quote to claim, without the paper in between.
Drema builds insurance software across the lifecycle: quote and bind, policy administration, endorsements, renewals and claims. The leverage in this sector is usually document handling and rules — the two places where a manual step multiplied by volume becomes the whole cost base.
What this sector
actually deals with.
Quotes take days because underwriting rules live in a person's head. Claims arrive as photographs and PDFs that someone types into a system. Renewals lapse because nobody was prompted. Each is a workflow problem dressed up as a staffing problem.
Systems this sector
keeps needing.
The parts of a insurance platform that carry the weight. Not everything at once — we build the one that unblocks you first.
Quote and bind journeys
Rating rules expressed in code, so a quote is instant and consistent between customers.
Policy administration
Issuance, endorsements, renewals and cancellations with full version history.
Claims intake and triage
Structured capture with document extraction, routed by severity and complexity.
Document intelligence
Pulling structured data out of forms, invoices and reports so assessors read less.
Broker and partner portals
Controlled access for intermediaries with their own book of business.
Where the work
pays for itself.
The problems insurance teams bring us most often. If one of these is costing you money today, it is worth a conversation.
Instant quotation
Turning a multi-day underwriting cycle into a real-time quote for standard risks.
Straight-through claims
Auto-settling low-value, low-risk claims and routing the rest to a human with context attached.
Renewal retention
Prompted, pre-filled renewals that stop silent lapses.
Fraud signals
Pattern detection across claims history to flag cases worth a closer look.
Not on this list? Sector problems rarely fit a template — tell us yours.
What shapes a build
in this sector.
These are the things a generalist team discovers late and prices badly. We design around them from the first week.
- IRDAI product and reporting requirements
- Policy document retention and retrieval obligations
- Auditability of automated underwriting decisions
- Personal and health data handling under DPDP
How we usually
engage here.
The services insurance clients most often start with.
Insurance
questions.
Straight answers, including where we are not the right team.
Can AI approve claims automatically?
For low-value, low-risk, well-evidenced claims, yes, and it is where the returns are. Anything ambiguous or high-value should be routed to an assessor with the evidence pre-extracted. Every automated decision needs an audit record and a review path.
Can you integrate with our existing policy system?
Yes. Most engagements sit alongside an incumbent policy administration system, adding the digital journeys and automation around it rather than replacing it.
How do you handle unstructured claim documents?
Document extraction with AI where layouts are inconsistent, validated against expected fields, with anything low-confidence sent for human confirmation rather than guessed.
How long does an insurance build take?
A single journey such as quote and bind for one product typically ships in three to four months. Full policy administration replacement is a longer programme, and we would sequence it so value lands well before the end.
Building for insurance?
Bring the problem as it actually is, constraints included.
You will get a straight answer on whether we are the right team.