One platform. Every line of business. Full cycle, zero paper, evergreen.
An end-to-end insurance operating system for insurers, brokers, TPAs, and insurance groups. PINS covers Property & Casualty, Life, and Health on one shared product and data model (policy, underwriting, claims, billing, finance, reinsurance, sales, compliance, and more) in one connected platform.
Digitalization alone does not improve profitability. Insurers need embedded economic controls, auditability, structured workflows, and predictable change. PINS is built around that. Because every module runs on one data model, the operation is truly zero paper: data is entered once and flows everywhere, with no duplicate data entry, no document hand-offs between departments, no gaps between systems.
General insurance with ready out-of-the-box products, mass product customization, fleet policies, and real-time product and policy adjustments — add, remove, or modify on the go.
Selected life functionality on the same platform — one register of persons, agreements, and finance shared with every other line.
The deepest line: contracted clinics and pricelists, unlimited cover trees, group policies, automated settlement, and AI-based claims processing.
The fastest-growing European line — launched on the same product builder. Security-control questionnaires in underwriting, external cyber risk-data feeds via integrations, and incident-response claims workflows. New products are configuration, not code.
Every line ships out of the box — and lines combine into one agreement: a family package can blend home, health, and life coverage in a single policy with one invoice and one renewal.
Unified persons & organizations register, GDPR consents, customer overview with full history.
Proposals, issue, renewals, amendments, termination — full lifecycle automation.
From simple to complex products without code: objects, risks, attributes, rules.
Registration to settlement: reserves, experts, fraud detection, regress, communication.
Intermediary agreements, commissions, limits, invoicing, underwriting restrictions.
General accounting, reserves (UPR, DAC, RBNS), multi-branch and multi-currency.
E-invoices, recurring collection, bank gateways, automatic payment recognition.
Tax administration and configuration across policies, claims, recourse, and invoices.
Debt cases from claims or policies, payment schedules, external collectors.
Reinsurers register, agreements, period reports, reinsurance billing.
Legal case management with all parties, documents, and financial tracking.
Operational reports in-system; analysis and mining in the data warehouse.
Email, SMS, letter engine, template builder, automatic language detection.
Automated task recognition and assignment, team dashboards, unified TO-DO.
Business rules, discounts, limits, Groovy scripting — adaptable without releases.
Roles, org-chart, branches, detailed audit of data and operations.
One view of the customer: communications history, policies, claims, loyalty, and profitability — assembled automatically from every module.
Incoming documents classified and mapped to required types, data extracted, claim applications auto-filled, settlement calculated — with customer follow-up when documents are missing.
Calls transcribed and analyzed: intent, outcome, and follow-up tasks captured against the case.
Outbound AI voice for renewals, payment reminders, and claim status updates — logged in the same CRM.
A rules engine that runs on system events with info, warning, and stop rules — plus a workflow to review every flag.
Task recognition and assignment from events, documents, and communications — work routes itself.
All modules share one data model. A policy, a claim, an invoice, and a reinsurance entry see each other instantly. Data is entered once, with no duplicate entry, no paper, no inter-department hand-offs.
One up-to-date version for all clients with continuous releases. The platform keeps improving without big-bang migrations.
Low-code product building: rates, rules, discounts, limits — configuration and scripting, not custom releases. Straight-through processing where rules allow, human decision points where they matter.
Multi-country, multi-language, multi-currency, multi-entity. Built for groups operating across markets.
Kubernetes-ready charts for any cloud provider, local infrastructure, or direct VM deployment. Oracle or PostgreSQL.
Legacy to PINS in 6–12 months with parallel running. Agile 2-week sprints, direct work with your team.
Full-cycle operations for single or multi-country insurers — proven in implementations that helped clients become Baltic market leaders.
Replace fragmented legacy systems with one evergreen platform — 3 to 9 months with parallel running.
Clinics, pricelists, programs, automated settlement, and AI claims — the deepest health functionality in the region.
Digitize core insurance operations end to end, reduce operational risk, improve control and auditability, and scale products and markets faster — on one evergreen platform.
Typically 6–12 months including data migration, with parallel operation of old and new systems until the numbers reconcile. Our standard-configuration-first approach gets you live on proven modules first, then customizes.
Yes — one shared register of persons, agreements, finance, and claims across all lines, with line-specific functionality on top. Products can even combine lines in one agreement: home + health + life as a single family package with one invoice.
One up-to-date version for all clients, continuous releases instead of major version migrations. You never face a "v9 to v12 upgrade project" — the platform improves monthly and your configuration carries forward automatically.
License/subscription is based on GWP and module selection; maintenance includes technical upgrades, security updates, bug fixes, helpdesk, and new functionality. Implementation is scoped by customization, integration, and migration complexity — contact us for a tailored proposal.
Governance between insurer and TPA — decision quality, data quality, and full auditability.
Open TPA Control LayerBrokers and corporate HR manage group health members themselves — the insurer's specialists step in only on exceptions.
Open Corporate Health Self-Service PortalA web portal where companies manage their fleet insurance themselves — see every vehicle, policy, and claim, and request changes online.
Open Fleet Policy Management PortalOne secure gateway that connects every enterprise AI to every insurance system.
Open Insurance MCP Server