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Real-Time API · POSP · Motor · Health · Life · Travel

Kaito-Nexus
Retail Insurance
ERP Platform

End-to-end Online Purchase Journey for Motor, Health, Life & Travel — with real-time insurer API integration, POSP management, comparison engine & full policy lifecycle.

Request a Demo → See Buy Flow
5+
Product Lines
25+
Insurer APIs
POSP
Certified Module
<300ms
Quote Response
Live Dashboard — Today
1,248
Quotes Generated
₹ 8.4L
Premium Collected
186
Policies Issued
94
Active POSPs
Motor (Car + TW)42%
Health Insurance31%
Term Life18%
Travel9%
HDFC ERGO API — 142ms
Quote Compared · 6 Insurers
Policy Issued ✓
Retail Insurance Product Suite

All Products. One Platform.
Real-Time Quotes from Insurers.

Kaito-Nexus integrates directly with insurer APIs to fetch live quotes, compare plans, and issue policies for every major retail product line — instantly.

🚗 Car Insurance
🛵 Two-Wheeler
🏥 Health Insurance
🛡️ Term Life
✈️ Travel Insurance
🚗
Car Insurance
Private Car · Third Party · OD · Comprehensive

Motor vehicle insurance for private cars — covering own damage, third-party liability, and comprehensive policies. Real-time quote fetching from 15+ motor insurers via API with instant policy issuance.

Own Damage (OD), Third-Party (TP) & Comprehensive plans
Add-ons: Zero Dep, Engine Protect, RSA, Key Replace, NCB Protect
Real-time IDV calculation based on vehicle age and make/model
Instant policy issuance — soft copy in under 60 seconds
Parivahan API integration for RC & fitness certificate verification
Comprehensive Zero Dep NCB Protect Instant Policy
Insurer API Panel
→
Bajaj Allianz General Insurance
→
HDFC ERGO General Insurance
→
ICICI Lombard General Insurance
→
Tata AIG General Insurance
→
Acko General Insurance
→
Digit General Insurance
Add-on Covers
Zero Depreciation
Engine Protect
Roadside Assist
Key Replacement
NCB Protect
Consumable Cover
End-to-End Online Purchase Journey

8-Step Purchase Flow —
Real-Time API at Every Stage

From customer intent to policy issuance — Kaito-Nexus orchestrates the entire retail insurance journey with live insurer connectivity, smart comparison, and instant fulfilment.

01
Customer Entry
Web / App / POSP
CRM API
02
Product Selection
Motor, Health, Life, Travel
Dynamic Form
03
Data Capture
RC / Aadhaar via VAHAN
VAHAN / KYC
04
Live Quote Fetch
API to 15+ insurers
LIVE API
05
Compare & Select
ERP scoring engine
ERP Score
06
Proposal & KYC
eKYC via Aadhaar OTP
eKYC
07
Payment Gateway
UPI, Card, EMI, Net
PG API
08
Policy Issued
Instant e-Policy, IIB
IIB / IRDAI
Data Sources
VAHAN / Parivahan
RC data, owner details, hypothecation, fitness certificate auto-fetched for motor insurance.
KYC Integration
Aadhaar / PAN / CKYC
Paperless KYC via UIDAI Aadhaar OTP, NSDL PAN verify, CKYC registry lookup.
Payment Layer
Razorpay / PayU / CC
UPI, Net Banking, Debit/Credit Cards, EMI — PCI-DSS compliant payment gateway.
Fulfilment
IIB / Insurer Portal
Policy data pushed to IIB, insurer portal, and IRDAI repository after payment.
Real-Time Insurer API Integration

Live Quote Engine —
25+ Insurer APIs Connected

Connected Insurers
Live status — updated every 30s
HDFC ERGO General
Motor · Health · Travel
142ms
ICICI Lombard
Motor · Health · Travel
168ms
Bajaj Allianz General
Motor · Health
201ms
Tata AIG General
Motor · Travel
189ms
Star Health Insurance
Health Only
224ms
Acko General Insurance
Motor — Digital First
98ms
Digit Insurance
Motor · Health
111ms
HDFC Life / Max Life
Term Life Insurance
Beta
Quote Request Payload — Motor
POST /v2/motor/quote
{
  "vehicle_number": "DL 8C AB 1234",
  "make_model": "Maruti Swift VXi",
  "year_of_mfg": 2022,
  "idv": 580000,
  "ncb_percent": 20,
  "addons": ["zero_dep", "engine_protect"],
  "posp_code": "KT-POSP-04821"
}
Live Response — 6 Insurers in 267ms
HTTP 200 OK
Acko General
Comprehensive · Zero Dep · Engine
₹ 8,420
Best Price
Digit Insurance
Comprehensive · Zero Dep
₹ 9,150
Recommended
HDFC ERGO
Comprehensive · Full Add-ons
₹ 10,280
High CSR
Bajaj Allianz
₹ 10,940
Standard
ICICI Lombard
₹ 11,620
Premium
Tata AIG
₹ 12,840
Highest
Comparison Engine

Side-by-Side Proposal
Comparison from Insurers

🚗 Motor
🏥 Health
🛡️ Term Life
Feature
Acko
₹ 8,420
Best Price
Digit
₹ 9,150
Recommended
HDFC ERGO
₹ 10,280
High CSR
Bajaj Allianz
₹ 10,940
Standard
Zero Depreciation
✓
✓
✓
✗
Engine Protection
✓
✗
✓
✗
Roadside Assistance
✓
✓
✓
✓
Claim Settlement %
94.2%
96.8%
97.4%
93.1%
Kaito-Nexus Score
82
88
91
74
Proposal Sharing Module

Share Proposals to Customers
Across Every Channel

01
📊
Generate Proposal
Auto-generate branded comparison proposal PDF with selected insurer, premium, features, and POSP details.
Auto PDF
02
📤
Share to Customer
Deliver proposal via WhatsApp, Email, SMS, or share a secure payment link directly to the customer.
WhatsApp Email SMS
03
✅
Customer Accepts
Customer reviews on secure link, selects plan, completes eKYC, and proceeds to payment without branch visit.
Secure Portal
04
📄
Policy Delivered
Policy issued instantly. Soft copy to customer via WhatsApp. POSP commission credited. Policy in ERP.
E-Policy
Auto-Generated Proposal — Motor
K
Car Insurance Proposal
Maruti Swift VXi 2022 · DL 8C AB 1234
Recommended PlanDigit — ₹ 9,150
Add-ons IncludedZero Dep + NCB
IDV₹ 5,80,000
Valid Until15 Mar 2026
Proposal Tracking — Live Status
Amit Sharma — Car
Sent 14 min ago
Opened
Priya Singh — Health
Sent 42 min ago
Policy Issued ✓
Rajan Mehta — Term Life
Sent 2 hrs ago
Pending Payment
Deepa Nair — Travel
Sent Yesterday
Expired
POSP Management Module

POSP Signup, Training,
Examination & Certification

Complete POSP lifecycle — from onboarding and IRDAI-mandated training to examination, certification, and activation as a licensed Point of Sale Person.

🔔 Live POSP Alerts — 3 new POSPs certified today · 5 renewal reminders sent · Exam result: Ravi Kumar Passed ✓ · Commission payout ₹23,118 processed 4 Active
🎓
New POSP Certified — Priya Sharma
POSP Code: KT-POSP-05124 issued. Certification valid till Mar 2029. Access to all product lines activated.
Today · 11:42 AM
📋
Exam Reminder — 12 POSPs Pending
12 POSP aspirants have completed training but haven't scheduled the exam. Auto-reminder sent via WhatsApp.
Today · 10:15 AM
💰
Commission Payout Processed — ₹2.3L
March 2026 payouts completed for 41 active POSPs. TDS certificates auto-generated and emailed.
Yesterday · 06:30 PM
⚠️
Certificate Expiry — 8 POSPs Due
8 POSP certifications expire within 60 days. Renewal training (15 hrs) auto-enrolled. Action required.
Mar 17, 2026
📊
POSP Performance Alert — Top Achiever
Ravi Kumar (KT-POSP-04821) crossed ₹1L commission this month — eligible for Platinum tier upgrade.
Mar 16, 2026
📱
New POSP Registration — Rajasthan
Mohan Yadav from Jaipur completed signup. KYC verified via Aadhaar OTP. Training module assigned.
Mar 15, 2026
Step 01
📝
POSP Signup
Aspirant registers on Kaito-Nexus portal with basic details and submits KYC documents online.
Aadhaar + PAN eKYC
10th pass certificate
Bank account details
Self-declaration form
Step 02
📚
IRDAI Training
15-hour mandatory IRDAI training in Hindi & English via video lessons, PDFs, and quizzes.
15 hrs IRDAI mandated
Hindi + English language
Video + PDF modules
Progress tracking
Step 03
📋
Online Exam
50 MCQs, 40-minute limit. Min 35/50 to pass. Re-attempt in 3 days if failed.
50 MCQs — 40 mins
Pass: 70% (35/50)
Re-attempt after 3 days
Auto result
Step 04
🏅
Certification
IRDAI-compliant digital certificate issued. Unique POSP code allocated. Validity: 3 years.
Digital certificate
Unique POSP code
Validity: 3 years
Renewal reminder
Step 05
✅
Activation
POSP activated on Kaito-Nexus with access to quote engine, comparison, issuance & commission dashboard.
Platform access granted
Commission slab set
Mentor/RM assigned
Training kit delivered
Total POSPs
486
Across 14 states
Certified This Month
38
+18% vs last month
Exam Pass Rate
82%
1st attempt
Avg Training Time
4.2 hrs
To complete 15hr module
POSP Commission & Payout System

Commission Slabs, Payout
& Account Reconciliation

Motor
Car Insurance
12–15%
Own Damage commission
Motor
Two-Wheeler
12–15%
OD commission slab
Health
Health Insurance
10–15%
First year new business
Life
Term Life Insurance
20–35%
First year premium
Travel
Travel Insurance
10–20%
Per policy commission
Renewal
Health Renewal
7.5%
Renewal commission
POSP Commission Statement
POSP: Ravi Kumar · Code: KT-POSP-04821 · Mar 2026
Gross Commission Earned₹ 24,840
TDS Deducted @ 5%− ₹ 1,242
Platform Fee− ₹ 480
Net Payable Amount₹ 23,118
Payment StatusProcessed ✓
UTR ReferenceHDFC2026030521041
Account Reconciliation
Broker Ledger · Mar 2026 · All Insurers
Premium Collected₹ 8,42,600
Remitted to Insurers₹ 7,96,840
Brokerage Retained₹ 45,760
Outstanding Pending₹ 12,400
Reconciliation StatusMatched ✓
GST Liability (18%)₹ 8,237
Lead Management System

Pipeline View — Every Lead,
Every Stage, Every POSP

New Leads18
Amit Sharma
Car Insurance
IDV ₹5.8L
Just now · Web
Sunita Patel
Health Insurance
₹10L Floater
12 min · WhatsApp
Rohit Gupta
Term Life
₹1 Cr SA
34 min · App
Quote Sent12
Priya Singh
Health Insurance
₹15L Family
2 hrs · Opened
Vijay Kumar
Car Insurance
IDV ₹8.2L
4 hrs · Forwarded
Lakshmi Nair
Travel Insurance
Dubai · 10 days
6 hrs · Opened
Follow-Up9
Rajan Mehta
Term Life
₹75L SA
1 day · Interested
Kavya Reddy
Health Insurance
₹5L Individual
2 days · Callback
Payment Pending6
Deepa Nair
Travel Insurance
₹ 3,840
3 hrs · Link Shared
Suresh Yadav
Car Insurance
₹ 9,150
5 hrs · KYC Done
Converted ✓41
Neha Sharma
Health Insurance
₹ 21,600 ✓
Today · Niva Bupa
Manoj Tiwari
Car Insurance
₹ 9,150 ✓
Today · Digit
Leads This Month
1,284
↑ +22%
Conversion Rate
34.2%
↑ +4.1%
Avg Lead-to-Policy
2.4 Days
→ Stable
Avg Policy Value
₹ 6,840
↑ +8.4%
Policy Management System

Complete Policy Lifecycle —
Issuance to Renewal

📄
Policy Issuance
Instant digital policy issuance with real-time insurer API confirmation and IRDAI repository submission.
Instant e-Policy PDF + XML
IIB push after payment
WhatsApp + Email delivery
IRDAI repository intimation
📂
Document Management
Centralized document vault with version control, smart tagging, and secure access for all policy documents.
Policy document vault (all products)
KYC documents (encrypted)
Endorsement document archive
IRDAI-compliant retention
✏️
Endorsements
Handle mid-term policy changes — address updates, hypothecation, SI enhancement — directly via insurer API.
Name / address change
Hypothecation add / remove
IDV revision (motor)
Member add/delete (health)
🔔
Renewals Management
Automated renewal calendar with multi-touch alerts at 60, 30, 15 and 7 days before expiry — all channels.
60/30/15/7 day auto-alerts
Pre-filled renewal quote fetch
NCB carry-forward (motor)
One-click payment link
🏥
Claims Support
End-to-end claims assistance — from intimation filing to cashless authorization and settlement tracking.
Online claim intimation portal
Cashless pre-auth (health)
Surveyor assignment (motor)
Settlement status tracking
📊
Policy MIS & Reports
Comprehensive policy analytics — expiry calendar, product mix, POSP-wise breakdown, insurer-wise summary.
Expiry calendar — 30/60/90 days
POSP-wise production report
Insurer-wise premium report
Commission earned vs outstanding
Real-Time ERP Reports

Live Business Dashboard —
Full Retail Portfolio Intelligence

Policies This Month
1,248
All products combined
↑ +18%
Premium Collected
₹84.2L
Mar 2026 total
↑ +22%
Commission Earned
₹9.8L
Gross brokerage
↑ +19%
Active POSPs
94
Sold ≥1 policy
↑ +8
Renewals Due (30d)
284
₹18.4L at risk
→ Alert
Lapsed Policies
42
₹2.1L lost
↑ +12
Quote-to-Policy
34.2%
Conversion rate
↑ +4.1%
Policy Distribution by Product Line
Mar 2026 · 1,248 total policies · ₹84.2L premium
Car Insurance (Comprehensive + TP)524 policies · ₹42.1L · 42%
Health Insurance (Individual + Floater)387 policies · ₹24.6L · 31%
Term Life Insurance186 policies · ₹11.2L · 15%
Two-Wheeler Insurance87 policies · ₹3.8L · 7%
Travel Insurance64 policies · ₹2.5L · 5%
B2C Web Aggregator Platform

Customer-Facing Insurance
Aggregator for Brokers

Kaito-Nexus delivers a fully branded B2C web aggregator — your own insurance marketplace where customers compare, buy, and renew policies online, 24×7, without agent dependency.

Platform Overview
Your Own Insurance
Web Aggregator Portal
Launch a white-label, IRDAI-compliant B2C insurance aggregator under your broker brand. Customers visit your portal, compare real-time quotes from 25+ insurers, and purchase policies instantly — while you earn brokerage commission on every sale.
White-Label IRDAI Web Aggregator Lic. SEO Ready Mobile PWA 25+ Insurers
25+
Live Insurer APIs
5
Product Lines
<60s
Policy Issuance
100%
Paperless Process
Customer Journey on Your B2C Portal
How a customer buys insurance directly from your branded aggregator website
Step 01
🌐
Lands on Portal
Customer visits your branded URL (e.g., insurance.yourbrand.com) via Google, social media, or referral.
Step 02
🔍
Enters Details
Fills vehicle/health/life details. RC auto-fetched via VAHAN API. Zero manual data entry.
Step 03
📊
Compares Plans
Live quotes from 25+ insurers displayed side-by-side with Kaito-Nexus scoring and feature comparison.
Step 04
✅
Buys & Gets Policy
Selects plan, completes eKYC, pays via UPI/card. Policy PDF delivered on WhatsApp in under 60 seconds.
🏷️
White-Label & Fully Branded
Launch under your broker brand — custom domain, logo, brand colors, and SEO-optimized landing pages for each product line. IRDAI web aggregator license compliant.
Custom Domain Brand Colors SEO Pages
⚡
Real-Time Quote Comparison Engine
Live premium comparison from 25+ insurers in under 300ms. Feature-by-feature plan comparison, CSR data, add-on recommendations, and Kaito-Nexus ERP scoring for unbiased customer decisions.
300ms Quotes ERP Score CSR Ratings
🔒
Paperless eKYC & Instant Issuance
100% digital — Aadhaar OTP eKYC, PAN verification, CKYC lookup. Policy issued in under 60 seconds after payment. e-Policy PDF delivered to customer WhatsApp instantly.
Aadhaar OTP Instant Policy WhatsApp Delivery
📱
Mobile-First PWA with POSP Integration
Progressive Web App — works on any mobile browser without app store install. POSP can share their unique referral link with customers; all policies tagged to the POSP for commission credit.
PWA Mobile POSP Link Auto Commission
🔔
Automated Renewal & Retention Engine
Smart renewal nudges via WhatsApp, SMS, and email at 60/30/15/7 days. Pre-filled renewal quotes with one-click payment links sent directly to customers — near-zero lapse rate.
Auto Alerts Pre-filled Quotes 1-Click Pay
📈
B2C Analytics & Conversion Dashboard
Real-time funnel analytics — page visits, quote requests, comparison drops, KYC abandonment, payment conversions. Google Ads and Meta pixel integration for performance marketing.
Funnel Analytics Google Ads Meta Pixel
Portal Visitors / Month
48,200
Organic + Paid traffic
↑ +34%
Online Quote Requests
6,840
This month
↑ +28%
Direct Online Sales
₹38.4L
B2C premium collected
↑ +41%
Cart-to-Policy Rate
18.4%
Best-in-class conversion
↑ +3.2%
Why Choose Kaito-Nexus Retail

A Step Ahead in
Retail Insurance Business

⚡
Real-Time API Quotes
Live premium fetch from 25+ insurers in under 300ms — no manual rate cards, no outdated premiums.
🔗
VAHAN & KYC Integration
Auto-fetch RC data via VAHAN. Paperless KYC via Aadhaar OTP, PAN verify, and CKYC registry.
🏅
IRDAI-Compliant POSP
Complete POSP lifecycle — signup, training, exam, certification — fully IRDAI compliant and audit-ready.
📊
Transparent Comparison
Feature-by-feature plan comparison with Kaito-Nexus ERP scoring — empowering fair customer decisions.
💬
Omnichannel Proposals
Proposals via WhatsApp, Email, SMS or secure payment link — with real-time open and conversion tracking.
💰
Automated Commission
Real-time POSP commission tracking, TDS-compliant payout processing, and automated ledger reconciliation.
📄
Instant Policy Issuance
Policy issued in under 60 seconds. e-Policy PDF delivered to customer's WhatsApp instantly after payment.
🔔
Smart Renewal Engine
60/30/15/7-day automated renewal alerts with pre-filled quote and one-click payment — near-zero lapse.
📋
Regulatory Compliance
IIB submission, IRDAI repository push, TDS @ 5% for POSP, GST @ 18% brokerage — all automated.
Get In Touch
We Look Forward to
Working With You
Transform your retail insurance broking with Kaito-Nexus.
Request a demo — see live API quotes, POSP module & more.
👤
Contact Person
Rajesh Mishra
📧
📞
Phone / WhatsApp
+91 9818883731
🌐
Website
www.kaitotech.com
📧 Send Email Directly → Visit Website
© 2026 KaitoTech · Rajesh Mishra · rajeshm@kaitotech.com · +91 9818883731
www.kaitotech.com · IRDAI Compliant · Retail Insurance ERP