Kaito‑Nexus Insurer Core is software your insurance company owns and runs — with every appointed broker working inside it on a real-time login. Quotes, issuance, float balances, and claims status update on-screen the moment they happen. No forwarded PDFs, no "please confirm on WhatsApp," no waiting on an email reply.
Proposal management and broker management run as a single connected system — every stage below lives inside Kaito‑Nexus, not spread across email, spreadsheets, and phone calls.
KaitoTech enables Insurance Companies and Brokers to manage proposals, policies and relationships seamlessly on a unified digital platform.
The same three-step flow your brokers use to quote is how you explore what Kaito-Nexus Insurer Core covers for your business.
Comprehensive and third-party rating for private car, two-wheeler, three-wheeler, and commercial fleet, with NCB tracking and IIB-integrated claims history checks.
Common across every insurer type — General, Life, Health, or a multi-license group. This is the shared spine every broker login runs on.
Brokers generate their own quotes by logging in and rating the risk themselves — against your live tables and rules. No sending a slip over WhatsApp and waiting for a rate back.
A broker binds a risk in-portal and the schedule generates instantly — no emailing a cover note, no chasing your office for the PDF. Only exceptions route to an underwriter.
Every broker sees their float balance and credit limit the second they log in — no calling accounts to ask "how much do I have left." Remittance reconciles automatically.
A broker's client asks "where's my claim?" and the broker checks the login instead of emailing your claims desk. Status updates the moment it changes.
GWP, loss ratio, and persistency dashboards alongside automated commission computation — tiered slabs and clawback, reconciled against the same live data.
Purpose-built for insurers writing motor, health, and commercial property risk.
Comprehensive and third-party rating for private car, two-wheeler, three-wheeler, and commercial fleet. NCB tracking and IIB-integrated claims history checks built into the same policy record.
Configurable individual, family floater, and group scheme design — sum insured bands, co-pay rules, and cashless hospital network mapping, with NHCX-ready claims workflows built into underwriting.
SME, fire, marine, and engineering risk underwriting — risk schedules, co-insurance, and CAR/EAR project-specific rating in one workspace.
Underwriting depth and long-tail retention tools built for term, endowment, ULIP, and savings-linked life business.
Income proportionality checks and source-of-funds screening applied before a proposal enters full underwriting — catching risk at the point of application.
Automated routing to panel diagnostic centres by age and sum assured. Appointment booking and underwriter sign-off tracked as a single case file.
Lapse-risk scoring, automated reminders across SMS/WhatsApp/email, and revival workflows built to move 13th-month persistency ratios.
India licenses health separately from life and general — built for standalone health insurers running retail, group, and wellness-led business on its own book.
Sum insured bands, co-pay and waiting-period rules, and family floater or top-up structuring — configured once and applied consistently across retail and group books.
Configurable OPD, wellness, and rider add-ons that a broker can bundle at quote stage or sell standalone against an existing base policy.
Claims route through the National Health Claims Exchange for real-time cashless authorization with network hospitals — not a manual TPA fax-and-email loop.
IRDAI licenses life and general separately — one entity cannot hold both. For promoter groups running a life company and a general (or health) company side by side, Kaito‑Nexus gives the group one operational view across its separately-licensed entities.
One promoter, two licences, one dashboard — GWP and persistency across the group's life and general entities shown side by side, so leadership isn't reading it off two separate systems.
Rules-based prompts that surface a sister company's life or general products at point of quote or renewal, plus configurable bundled-product pricing across the group.
Statutory-ready reporting rolled up for the group, while respecting the separate solvency, fund, and filing requirements each IRDAI-licensed entity must meet on its own.
Where the insurer's core system meets brokers, POSPs, partners, and policyholders.
A live sandbox for brokers and partners to test quote, issuance, and claims-status APIs before going live — with a promotion path straight to production.
End-to-end lifecycle for Point of Sales Persons — IRDAI-mandated certification tracking, KYC checks, and scoped sales access feeding into the commission module.
A single ticketing workflow for endorsements, complaints, and service requests — SLA timers, escalation paths, and a full audit trail instead of a chat history.
What used to take a message and a wait now takes a screen refresh.
Every appointed broker and POSP gets a scoped login — no shared inbox, no group WhatsApp for the whole channel.
Corporate and group accounts move slower than retail — census files, bulk endorsements, multi-stakeholder approvals — which is exactly where email and WhatsApp cause the most damage. Brokers manage the full corporate lifecycle from their own login, with your underwriting and servicing team seeing the same record in real time.
Brokers submit corporate risk data — group health, group life, fire, marine, or fleet — directly in-portal and issue against your corporate rating rules, instead of emailing a proposal form back and forth for underwriter review.
Employee master lists upload straight into the policy record for corporate health and group life schemes — additions, deletions, and dependent changes processed as a batch, with validation errors flagged on-screen instead of in a returned spreadsheet.
Salary revisions, new joiners, exits, and sum-insured changes across a corporate scheme are raised and approved in-portal as a single endorsement batch — with a status a broker or corporate HR contact can check themselves, any time.
HR and finance contacts at the corporate client ask brokers for utilization data constantly. Brokers pull scheme-level claims MIS, utilization ratios, and top-claimant reports themselves from the login — no request routed through your claims team first.
Renewal terms for group schemes are generated against updated headcount and claims experience automatically, with brokers reviewing and confirming in-portal rather than a renewal quote being emailed 45 days before expiry and chased for sign-off.
Brokers managing a corporate book see scheme-wise GWP, loss ratio, and retention risk in one dashboard — the same numbers your account management team is looking at, so a renewal-at-risk conversation starts from shared data, not a guess.
Built for insurers running Group Term Life through corporate brokers: from raising an RFQ and quoting a scheme, through member enrolment, premium and commission reconciliation, endorsements, and claims — with a dashboard, task list, and calendar tying it all together.
Portfolio snapshot the moment a broker logs in — active clients, total lives covered, AUM premium, and commission earned for the year, with pending RFQs and alerts alongside.
Every client the broker services in one table — policy number, lives, premium, and expiry — instead of a spreadsheet maintained by email.
Every quote request tracked from draft through underwriting review to quote-sent and converted, with counts and status tabs instead of a lost email thread.
A guided five-step wizard — company details, coverage requirements, employee data upload, supporting documents, review & submit — with a live premium estimate as the broker types.
Quotes received, pending acceptance, under negotiation, and converted, tracked in one place so nothing is chased over WhatsApp.
A countdown tracker for policies expiring in 30, 60, and 90 days, with recommended renewal pricing pre-calculated so brokers aren't chasing terms at the last minute.
A month-by-month statement of commission earned, GST, and payout status, downloadable by the broker without asking accounts.
A single register of every bound Group Term Life master policy the broker holds, as the reference record for renewals, endorsements, and claims.
Add, edit, or bulk-upload employee lives against a master policy, with enrolment status visible to the broker as members are underwritten and added.
Sum assured allocated and utilised across enrolled members tracked against the scheme's overall cover, flagging gaps before renewal.
Premium due, collected, and reconciled against the policy schedule, with outstanding items flagged instead of surfacing at renewal.
Mid-term changes — new joiners, exits, sum assured changes — raised in-portal and tracked through to insurer sign-off.
Death and disability claims registered and tracked through to settlement, so a broker can answer a client's "where's my claim" without emailing the claims desk.
A single repository for policy documents, proposals, and compliance files tied to each client — not scattered across email attachments.
A logged history of every action a broker takes in the portal, giving both broker and insurer a verifiable record for compliance review.
A personal task list synced to RFQ deadlines, renewal dates, and claims follow-ups, so nothing depends on memory or a sticky note.
Upcoming meetings, renewal dates, and claims events in one calendar view, alongside the task list on the dashboard.
The architectural layer underneath every quote, broker, and customer record — built so the platform scales without duplicating data or access.
Brokers rate the same risk across multiple sum-insured bands, deductibles, or add-on combinations side by side in one session, and present the client a comparison instead of three separate quote PDFs.
Principal brokers create and manage their own sub-agent and POSP hierarchies with inherited or restricted product, territory, and discount permissions — no more one shared login covering an entire branch.
A customer's motor, health, life, and corporate policies resolve to one master record, so a broker or underwriter sees full relationship value and history instead of piecing it together from separate line-of-business systems.
Where most broker-management systems stop at a float balance, Kaito‑Nexus goes down to bank-file, UPI, commission-line, and guarantee-level reconciliation.
Top-ups, utilisation, holds, and replenishment for every broker's cash deposit or float account are tracked from request to bank confirmation — live, instead of reconciled at month-end from a spreadsheet.
Every commission line traces back to its originating policy, slab, and clawback rule, with a dedicated dashboard for brokers to raise and track disputes instead of emailing accounts for a manual recheck.
Premium collection integrates across multiple partner banks' e-channelling rails and UPI simultaneously, auto-matching incoming payments to policies regardless of how the broker's client paid.
Broker credit limits recalculate automatically against live bank-guarantee validity and utilisation, with expiry alerts and refresher workflows triggered before a lapsed BG silently caps a broker's ability to transact.
Speed and control on the underwriting desk, so exceptions get resolved in minutes and every policy stays current without manual chasing.
Risks that fail auto-bind rules route straight to the right underwriter's queue with the full quote context attached, and an in-portal chat thread replaces the WhatsApp-and-email back-and-forth over a referral.
Address changes, sum-insured revisions, vehicle transfers, and other mid-term adjustments are raised, rated, and approved through a dedicated MTA portal, with the endorsement schedule issuing the moment it's confirmed.
Renewal terms generate and route to brokers automatically ahead of expiry, with system checks that flag and block "ghost renewals" — policies renewed on stale data without a genuine review of risk or claims history.
Actuarial and product teams build and test new rating tables, covers, and scheme rules in a low-code sandbox, then promote to production without waiting on a development cycle for every new product launch.
Claims handled as a live, trackable service experience from first report to final settlement — not a status a broker has to chase by phone.
Policyholders and brokers report a loss with photos, videos, and location data captured directly at intake, giving the claims desk a complete picture from the very first notification instead of a bare description.
Every claim shows its exact stage — survey, assessment, approval, payment — with automated SMS/WhatsApp/email updates at each milestone, so a broker's client stays informed without a single follow-up call.
Minor motor claims settle on the spot through an instant assessment workflow, and network garages request cashless repair authorization directly through the gateway instead of a phone call to the claims desk.
Salvage valuation, disposal status, and third-party recovery progress are visible to brokers directly in the claim record, closing the loop on total-loss and subrogation cases without a separate recovery-team enquiry.
The channel-management layer that turns raw broker and agent activity into decisions about who to grow, incentivise, or re-train.
Bancassurance, direct broker, and POSP channels roll up into one performance view, with drill-down from channel to individual broker to policy — so channel heads see exactly where GWP is coming from.
Loss ratio and underwriting profitability compute per broker in real time, giving underwriting and distribution teams a shared basis for renewal terms, treaty limits, or portfolio re-pricing conversations.
Sales contests and incentive slabs run as configurable, live leaderboards inside the broker login — brokers see their own standing and target gap in real time instead of waiting for a monthly incentive circular.
Field agents and underwriters view risk accumulation on a live map by district or pincode zone, catching concentration risk in property, motor, or flood-prone areas before it becomes a portfolio-level surprise.
India-specific regulatory infrastructure built into the core, not bolted on as a customization request.
Motor and health policy issuance and claims checks run directly against IIB records for existing cover and claims history, catching duplicate cover or undisclosed claims history at the point of quote, not after a claim is lodged.
Vehicle registration, ownership transfer, and RC data structures are built ready for direct VAHAN / Parivahan integration, so motor underwriting can move to verified vehicle data as the regulatory linkage comes online.
Every broker, agent, and customer-facing screen — quotes, policy schedules, SMS alerts, claim updates — renders natively in Hindi, English, or a major regional language, switchable per user, not machine-translated after the fact.
Kaito‑Nexus isn't only a broker front-end — we build and maintain the API layer that connects insurers directly into their broker, bancassurance, and aggregator channels.
A RESTful rating and binding API lets an insurer's own systems, or a partner's, pull live premiums and issue cover directly, without a human re-keying data between two platforms.
Policy schedules, cover notes, and endorsement documents generate and push back to the calling system the moment a transaction completes, keeping the insurer's own records and the broker's in sync automatically.
Payment confirmations, failures, and reconciliation status push out as webhooks in real time, so an insurer's finance system always has an up-to-date view of collections without polling for status.
Insurer and partner tech teams get a self-serve sandbox with test keys, versioned API docs, and ready-made Postman collections, so integration testing starts the same day rather than after a formal onboarding project.
The back-office layer that takes repetitive manual work off a broker or insurer's operations team, so people spend time on exceptions, not data entry.
Bots handle repetitive back-office work — data entry, policy data validation, batch uploads to insurer portals — running on a schedule or trigger instead of tying up staff hours on routine processing.
Proposal forms, policy schedules, and endorsement letters generate from templates and route for e-signature automatically, cutting the turnaround on paperwork that used to wait on a physical signature.
Every open task — a pending endorsement, an unresolved claim query, a KYC document chase — sits in one queue with SLA timers and automatic escalation, so nothing ages silently in someone's inbox.
Operations, finance, and leadership build their own dashboards and scheduled reports from the underlying data model, without waiting on a development request every time a new metric is needed.
Beyond the broker and insurer platform, we also design and develop a fully customised, white-labelled B2C web aggregator for insurance companies — a branded destination where your own customers compare, quote, and buy across products, without ever seeing the word "KaitoTech."
Customers compare premiums, coverage, and add-ons across insurers or product variants side by side, and get a bindable quote in seconds instead of filling separate forms on separate sites.
KYC, proposal capture, payment gateway (cards, netbanking, UPI), and policy issuance run as one guided flow, so a customer can go from "just browsing" to a live policy in their inbox without a call or a branch visit.
Your logo, domain, colours, and product mix — built and skinned around your brand, with the underlying rating, payment, and issuance plumbing handled for you.
Talk to us on WhatsApp and we'll walk you through it.
Annual returns, persistency reporting, and policyholder-protection rules built into core reporting.
Motor and health claims-history checks computed automatically per policy and per quote.
Premium, claims, and commission accounting natively in Indian Rupees, Lakh/Crore formatted.
Policy documents and reports generated natively across Hindi, English, and major regional languages.
See how brokers quote, issue, and track claims on a real-time login — with zero back-and-forth over email or WhatsApp.
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