InsurTech Solutions Powered by AI & Analytics
At Policygrace Insurance Broking Pvt. Ltd., we combine cutting-edge technology with deep insurance expertise to deliver intelligent group and affinity insurance solutions. Our AI-driven platform provides precise risk assessment, automated workflows, and data-backed insights for modern businesses.
Explore Tech SolutionsIntelligent Insurance Technology
We leverage advanced technologies to transform traditional insurance into smart, data-driven solutions that deliver better outcomes for our clients.
Smart Insurance Operations Platform
We provide a centralized technology platform to manage policy issuance, endorsements, claims coordination, and partner workflows through automation and real-time operational visibility.
Real-Time Claims Processing
Automated claims assessment and processing with IoT integration and blockchain verification reduces settlement time from weeks to days while minimizing fraud.
Smart Analytics Dashboard
Interactive dashboards provide real-time insights into coverage, claims, risk exposure, and financial impact with customizable reporting for informed decision-making.
Where Insurance Meets Innovation
InsurTech Pioneer Since 2025
Founded by tech visionary Santosh Singh and IRDA-certified expert Jitendra Singh, Policygrace is India's first truly tech-native insurance broker. Our Mumbai-based headquarters houses our R&D center where we develop proprietary algorithms and platforms that redefine insurance delivery.
Data-First Approach
We ingest and analyze structured and unstructured data from multiple sources to build comprehensive risk profiles.
Automated Underwriting
Our systems automate 85% of underwriting decisions, reducing processing time by 70% while improving accuracy.
Mobile-First Platform
Policy management, claims submission, and real-time tracking accessible through our intuitive mobile app.
Intelligent Risk Assessment with AI
Our proprietary AI engine, RiskMatrix AI™, analyzes thousands of variables in real-time to deliver precise risk scoring and predictive insights that traditional methods can't match.
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Predictive Risk Modeling: Forecast potential claims 6-12 months in advance with 87% accuracy.
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Real-Time Threat Detection: Monitor emerging risks and adjust coverage dynamically.
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Automated Compliance: Ensure 100% regulatory compliance with automated checks and reporting.
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Fraud Detection: Identify suspicious patterns with machine learning, reducing fraudulent claims by 65%.
RiskMatrix AI™ Analysis
LIVESmart Protection for Lending Portfolios
Our technology platform enables real-time monitoring of credit portfolios with automated risk alerts and dynamic coverage adjustments based on changing borrower profiles.
Credit Life Insurance
AI-driven coverage algorithms protect your loan book with precision.
Loan Protection
Automated claim triggers based on verified life events.
Critical Illness Insurance
Real-time medical data integration for faster claims.
Hospicash
Automated daily cash disbursement upon hospital admission.
Technology-Enabled Risk Management
Our credit life insurance solutions are powered by RiskMatrix AI™ which analyzes borrower data, economic indicators, and repayment patterns to create dynamic coverage models. The platform integrates with banking systems via secure APIs, providing real-time visibility into portfolio risk.
The system automatically adjusts coverage based on changing risk profiles and triggers instant notifications for potential defaults, enabling proactive risk mitigation.
Secure & Compliant
Bank-grade encryption and RBI/IRDA compliance built into our platform.
Seamless Integration Ecosystem
Our platform connects with your existing systems through secure APIs, enabling real-time data exchange and automated workflows.
Platform Integrations
Seamless integration with insurers, TPAs, and third-party service providers to enable smooth data exchange, operational workflows, and system-to-system communication.
ERP Integration
Connect with SAP, Oracle, and other ERP systems for automated employee onboarding and policy management.
Mobile SDK
Embed insurance functionality directly into your mobile apps with our lightweight SDK for iOS and Android.
Tech-Enhanced Corporate Insurance
Our corporate insurance products are powered by intelligent systems that automate administration, simplify compliance, and provide real-time risk insights.
Group Health Insurance (GMC)
Digital health card, telemedicine integration, and AI-powered claim adjudication.
Workmen Compensation Insurance
IoT sensor integration for workplace safety monitoring and automated compliance reporting.
Fidelity Guarantee Insurance
Behavioral analytics and transaction monitoring to detect internal fraud patterns.
Group Personal Accident (GPA)
Mobile app for instant claim reporting with photo/video upload and GPS verification.
Money Insurance
GPS tracking for cash-in-transit and smart safe integration with real-time alerts.
Fire Insurance / Burglary
Smart building sensors for early detection and automated claim documentation.
Marine Insurance
Real-time cargo tracking with IoT sensors and blockchain-based documentation.
Janata Personal Accident
Simplified digital onboarding with e-KYC and UPI-based premium payments.
Technology & Insurance Partners
We collaborate with leading technology providers and insurance carriers to deliver integrated solutions.
Insurance Partners
LIC
Life Insurance Corporation
HDFC Life
Life Insurance
ICICI Prudential
Life Insurance
SBI Life
Life Insurance
Bajaj Allianz
General Insurance
Max Life
Life Insurance
Tech-Driven Workflow
AI Assessment
Machine learning algorithms evaluate your business needs and risks.
Smart Customization
Algorithm-driven plan design with dynamic pricing models.
Automated Implementation
API-based policy onboarding with zero manual intervention.
24/7 Tech Support
AI-powered chatbots and real-time claims assistance.
Insurance Technology Blog
Stay updated with the latest trends in InsurTech, AI in insurance, and regulatory changes.
Weekly Insurance Roundup: FDI Reforms & Market Dynamics
India's Insurance Amendment Bill 2025 clears Parliament, allowing 100% FDI. Global focus on climate risk, Asian market shifts, and key regulatory updates.
Blockchain for Transparent Claims Processing
Discover how blockchain technology is eliminating fraud and speeding up insurance claims settlements.
2025 IRDA Guidelines Update
Latest regulatory changes for technology-driven insurance providers in India.
What Our Clients Say
Trusted by leading companies across India for our technology-driven insurance solutions.
Rajesh Mehta
CTO, FinTech Solutions Pvt. Ltd.
"Policygrace's AI-powered risk assessment platform reduced our employee insurance costs by 22% while improving coverage. Their API integration with our HR system was seamless and reduced administrative overhead by 80%."
Priya Sharma
Head of Operations, Urban Bank
"The blockchain-based claims processing system has been a game-changer for our credit life insurance portfolio. Claims that used to take 45 days are now settled in 3-5 days. The fraud detection algorithms have saved us ?2.5 Cr this year alone."
Amit Patel
Director, Mega Manufacturing Ltd.
"IoT integration for our factory insurance has reduced workplace accidents by 40%. The real-time monitoring dashboard gives us actionable insights to improve safety. Their tech team provides excellent 24/7 support."
Neha Gupta
CFO, Retail Chain India
"The automated policy management system has saved us 200+ hours monthly in administration. Their AI-driven premium optimization reduced our insurance costs by 18% without compromising coverage. Highly recommend!"
Trusted by Leading Organizations
Urban Bank
BankingMega Manufacturing
ManufacturingFinTech Solutions
TechnologyRetail Chain India
RetailMediCare Hospitals
HealthcareGlobal Logistics
Logistics
Contact Us for Tech Solutions
Connect with our technology team to discuss API integration, platform demos, or custom insurance solutions.