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Insurance technology platforms

Technology that powers modern insurance operations.

SolTech builds enterprise platforms for underwriting, business rules, document management, workflow automation, recurring premium collections and payouts — engineered around the realities of insurance operations.

Explore Our Platforms Talk to SolTech
Insurance-first API and event-driven Enterprise-scale Integration-ready
Domain platforms InstaDocs Documents PayLifPro Payouts EzBilling One Collections Insight Underwrite Underwriting Intelligence & orchestration SuTra Business rules & decision engine Decision SolServ Studio Servicing & workflow platform Routed DocSense OCR orchestration & extraction Extracted Enterprise integration Policy Admin CRM DMS Data Lake Payments Banks Aggregators Comms IAM / SSO Enterprise APIs

Domain platforms

  • InstaDocs Documents
  • PayLifPro Payouts
  • EzBilling One Collections
  • Insight Underwrite Underwriting

Intelligence & orchestration

  • SuTra Rules
  • SolServ Studio Servicing
  • DocSense OCR

Enterprise integration

Policy administration · CRM · DMS · Data lake · Payment gateways · Banks · Aggregators · Communication platforms · IAM / SSO · Enterprise APIs

Built for mission-critical insurance operations.

  • Insurance-first
  • API and event-driven
  • Enterprise-scale
  • Independently security tested
  • Integration-ready

The operating reality

Insurance operations are complex.
The technology behind them doesn't have to be.

A single policy touches underwriting rules, document archives, servicing queues, payment providers, banks and finance systems. Most of that work still runs across disconnected tools and manual handoffs.

Fragmented systems

Policy administration, CRM, document stores, payment providers and data platforms each hold part of the picture. Operations teams stitch the rest together by hand.

High volume, low tolerance

Document archives measured in hundreds of millions. Scheduled presentment runs. Payout batches with deadlines. Volume is routine; error is not.

Rules buried in code

Eligibility, validation and routing logic written into applications takes a release to change. Business teams wait on engineering for what should have been a configuration.

SolTech builds the layer that closes those gaps — without asking you to replace the systems that already run your business.

The platforms

Seven platforms. One insurance technology ecosystem.

Four platforms own a specific insurance domain. Three are horizontal — decisions, orchestration and reading documents — and every other platform is built on them.

InstaDocs

Enterprise Document Management Platform

Your insurance documents. One intelligent repository.

Capture, retrieve, govern and scale — without a release cycle. Document classes are defined as data, so a new document type or attribute is configuration and is live the same day.

  • Configurable document classes
  • Search on any indexed attribute
  • In-browser viewer with side-by-side compare
  • Multi-cloud storage, compression up to 80%
  • SNS events on every document change
  • Entitlement enforced on every retrieval

Explore InstaDocs

Capture Policy admin Branch capture Ingestion APIs Bulk migration Classify Index class Metadata Compression Ingest Central repository Metadata-driven · API-first Search by policy, application or index class Retrieval Document returned with full metadata Secure, permissioned, API-accessible Built for very large repositories Hundreds of millions of documents

PayLifPro

Insurance Payout Management Platform

From payout eligibility to payment — one controlled workflow.

The complete maturity and survival-benefit payout platform. A clean case walks intake, validation, computation, approval and payment unattended; an exception stops at the gate that found it, in the queue that owns it.

  • Fourteen validation gates before payment
  • Bank account verified ahead of the due date
  • Tax, penal interest and premium clearance
  • Band-routed maker-checker approval
  • Twenty-eight payout controls
  • Customer told at every lifecycle event
  • Stuck-case board — no silent failures

Explore PayLifPro

Initiation Payout request Survival benefit Maturity · refund · claim Bulk processing Scheduled runs Controlled workflow Rule driven · every step logged Eligibility validation Policy validation Bank account check Maker → Checker Segregated approval Voucher approved Finance system posting Payment released Payment gateway / bank Exception queue Failed validation, returned payment Controls Audit trail SLA tracking Approval hierarchy Status management Data lake feed Integrations Policy administration Finance systems Payment providers Data lake

EzBilling One

Mandate Management & Recurring Premium Collection Platform

One platform for the complete recurring premium collection lifecycle.

Registration, presentment, collections, reconciliation and customer communication — on every payment rail, from one execution core. Adding a new rail is configuration, not an engineering programme.

  • Mandate registration and quality check
  • Presentment inside each rail's cut-offs
  • Pre-debit gate: no contact, no debit
  • One canonical status model
  • Same-day reconciliation and receipting
  • Salvage and recovery campaigns
  • Templated email, SMS and WhatsApp

Explore EzBilling One

Campaign rules Salvage · skip presentment · date and amount filters 1 Mandate capture 2 QC + registration 3 Present- ment 4 Collection 5 Receipting 6 Recon- ciliation Retry / re-presentment Service providers Provider-agnostic Multiple providers in parallel Status tracking Debit schedule + notification Exception management Break resolution queue

SuTra

Enterprise Business Rules & Decision Engine

Horizontal layer

Turn complex insurance rules into configurable decisions.

Author rules visually or in a compiled expression language, simulate them before they touch production, and govern every change with maker-checker approval. Applications call SuTra and get back one decision with reason codes.

  • Visual builder or SuTraExpr language
  • Decision tables with hit policies
  • Forward and backward chaining
  • Simulate in memory before deploy
  • Effective-dated, versioned definitions
  • Reusable across every platform

Explore SuTra

Caller Application or workflow Input data Policy · customer · case POST /evaluate SuTra Rules & decision engine Rule set selected by product · effective date · version Evaluated in priority order Eligibility conditions P1 Cross-field validation P2 Threshold rules P3 Decision resolved Decision response Pass straight through Fail reason codes Refer exception queue Route to queue or role Governed and recorded Version-controlled definitions Effective dating Execution history Audit trail

SolServ Studio

Low-Code Insurance Servicing & Workflow Platform

Horizontal layer

Configure the service request. The platform builds the rest.

Service request types, the fields they capture, the documents they need, the rules they run and the queues they travel through are all configuration — and this is the orchestration foundation the domain platforms run on.

  • Service request types as configuration
  • Dynamic forms and validation
  • State machine workflow and queues
  • Maker-checker and SLA escalation
  • API connectors mapped by path
  • Complete case audit history

Explore SolServ Studio

Trigger Event API or scheduler Business rules Configured, not coded Routing Role + skill based SLA clock starts Work queues Processor kitty Task assignment Maker queue Prepare + submit Checker queue Review + approve Decision + audit trail Every action recorded Escalation on SLA breach Exception processing Completion event published to core systems

Insight Underwrite

Underwriting Workbench & Decision Platform

One underwriting workspace. Every signal. Better decisions.

A workflow-driven collaboration workbench for underwriting teams. It prepares the case sheet for medical, financial and AML underwriting, runs the scrutiny, and keeps the whole conversation attached to the case.

  • New business, reinstatement and audit
  • Medical, financial and AML sections
  • Bureau and TPA integration
  • Rule-driven document scrutiny
  • Skill and channel based routing
  • Peer and team lead collaboration

Explore Insight Underwrite

Underwriting signals Policy admin Bureau / credit PASA + score Medical / financial Verification APIs Underwriting worksheet Unified case view Case + requirements Aggregated data Rule evaluation Underwriter action Decision captured Auditable · timestamped Straight through Auto-decisioned NSTP referral Routed to underwriter Decision outcomes

DocSense

OCR Orchestration & Document Extraction Platform

Horizontal layer

One document API. Any OCR provider behind it.

DocSense puts a single, stable contract in front of Azure, Gemini and Textract — routing each document to the right provider, falling back when one fails, and returning the same normalised response whichever one answered.

  • Classification and extraction APIs
  • Rule-based provider routing
  • Automatic failover between providers
  • Normalised universal response
  • Confidence scores and validation
  • Latency and usage tracked per provider

Explore DocSense

Caller System or user Token + documents Base64, URL or storage reference One API contract DocSense OCR orchestration Authenticate + log Classify document Routing rules Document type · priority · override Accuracy, speed or cost Normalise + validate Correlation id carried end to end Latency and token usage recorded Providers Azure Vision and model extraction Gemini Document understanding Textract Structured form capture Automatic fallback on failure or timeout Adapters only call out — no data, no auth Universal response Standard groups and fields Normalised values Confidence scores Same contract whichever provider answered Swap or add a provider by configuration Fully audited

Platform architecture

Seven platforms, three layers, one set of guarantees.

Domain platforms own an insurance operation end to end. Shared layers decide, orchestrate and read documents on their behalf. Underneath, the systems you already run stay where they are — and security, audit and traceability hold across all three, because in insurance they cannot be a layer you add later.

01

Domain platforms

Each owns a specific insurance operation, end to end.

InstaDocs Documents PayLifPro Payouts EzBilling One Premium collections Insight Underwrite Underwriting
02

Intelligence & orchestration

Horizontal capabilities every domain platform draws on — decisions, orchestration and reading documents.

SuTra Business rules & decision engine Decides SolServ Studio Servicing & workflow platform Orchestrates DocSense OCR orchestration & extraction Reads
03

Enterprise integration

The systems you already run stay exactly where they are.

Policy Administration CRM DMS Data Lake Payment Gateways Banks Aggregators Communication Platforms IAM / SSO Enterprise APIs
Across all three

Security, audit and observability

Not a fourth tier. Properties every layer carries.

Corporate SSO, short-lived tokens Role and record entitlement Encryption on the write path Identifier masking by role Append-only audit trail One correlation id end to end Rate limiting and health checks VAPT and code review every release

The policy lifecycle

Built across the insurance lifecycle.

Follow a policy from application to payout and you pass through every SolTech platform. Select a stage to see what happens there.

Underwriting, on one worksheet.

Insight Underwrite aggregates the signals an underwriter would otherwise gather by hand, applies your rules, and either decides straight through or refers the case with everything already assembled.

Insight Underwrite
  • Bureau, score, PASA and verification data aggregated automatically
  • Straight-through processing where the rules allow it
  • NSTP referrals routed to the right underwriter

Stage 01 · Underwriting

  • Comes in asProposal awaiting assessment
  • Handled byInsight Underwrite underwriting workbench
  • Decides usingRules, external data, underwriter judgement
  • Goes out asCaptured decision with audit trail

SuTra SolServ Studio run beneath every stage. Decisioning and orchestration are horizontal layers, not steps you pass through once.

Why SolTech

Insurance systems are not generic enterprise applications.

They operate around policies, customers, underwriting, servicing, collections, payouts and regulatory process. We build for that, specifically.

01

Insurance-first engineering

Our platforms are shaped by how insurance actually operates — index classes and policy numbers, mandates and presentment cycles, maker-checker control and referral queues. That vocabulary is in the product, not bolted on afterwards.

02

Built around integration

SolTech platforms are designed to join an existing enterprise ecosystem, not to displace it. Policy administration, CRM, data lakes, banks and payment providers stay where they are; our platforms integrate through APIs and events.

03

Configurable, not hard-coded

Rules, workflows, campaigns and provider integrations are configuration. With SuTra as a dedicated decision engine, operations teams change how a process behaves without waiting for a release.

04

Designed for operational scale

High transaction volumes, scheduled batch processing and very large document repositories are design inputs from the start — not problems discovered in production.

05

Engineering partnership

We work as a technology partner: understand the operation, architect the solution, build it, integrate it and support it. The same team stays with the problem from requirement to production.

Technology

Deliberately conventional.
Carefully applied.

Insurance platforms are judged on correctness, throughput, and how long they keep running after the people who built them have moved on. These are the positions we take, and the reasons.

A stack you can hire for

.NET, C#, SQL Server, REST. Nothing here is exotic, and that is the point. The team that maintains these platforms after handover should not first have to learn a framework that will be unfashionable in three years.

Configuration over code

Rules, workflows, document classes, provider routing and campaign logic are held as data. It is why SuTra exists as a product rather than a library, and why a new document type or payment rail does not need a release.

Security as a design input

Encryption is applied on the write path rather than added afterwards. Personal identifiers are masked by role. Documents are served through encrypted ids, so storage paths never reach the browser. Free text is logged by length, never by value, and secrets stay out of source control.

People sign in through corporate SSO; systems use signed, short-lived tokens. Every access decision is made server-side — the browser is never trusted to decide what someone may see.

Built for volume, and for batch

Scheduled processing, bulk runs and very large repositories are inputs to the first architecture conversation, not discoveries made in production. Intake is idempotent and retries are database-backed, so a restart never loses or repeats work.

Traceable end to end

One correlation id links the request, the decision, the integration call and the response. The audit trail is written as the work happens rather than reconstructed afterwards, because a regulated process that cannot explain an outcome is not finished.

Integration over replacement

API-first, with contract versions that run side by side so no consumer is forced to re-integrate, and lifecycle events published for systems that would rather subscribe than poll. Adopting a platform never requires a core migration.

Independently validated Every SolTech application goes through vulnerability assessment and penetration testing, and secure code review, by a CERT-In empanelled auditor — on every release cycle, not once at launch. Design practice is one thing; an external party trying to break it is another. We would rather a finding arrived in an audit than in production.

What that is built with

Application

.NET ASP.NET Core C#

Data

SQL Server Reconciliation and data processing Data lake feeds

Runtime

Background schedulers Workflow and rules engines Document repositories

Interfaces

REST Side-by-side contract versions SNS lifecycle events Enterprise SSO

Deployment

Cloud-ready On-premise Hybrid

Data protection practices are designed around RBI, IRDAI and DPDP Act expectations. Audit certificates can be shared during evaluation. Deployment model, key custody and data residency are agreed per insurer.

Engineering services

Engineering beyond the platform.

The products are where SolTech invests. The engineering practice behind them is also available to insurers directly — for the systems around our platforms, and for the ones that came before them.

Enterprise application development

Line-of-business applications built to the same standards as our products — .NET, API-first, integration-ready.

Insurance system integration

Connecting policy administration, CRM, document, payment and data platforms so processes cross system boundaries cleanly.

Software architecture

Solution and integration architecture for high-volume operational systems, including the design work before anything gets built.

Legacy modernisation

Moving operational systems off ageing platforms without stopping the operation that depends on them.

API engineering

Designing and building the service layer that lets enterprise systems talk to each other — and to ours.

Data and document migration

High-volume migration of records and document archives, with reconciliation that proves nothing was lost.

Application support

Ongoing support and maintenance for production systems that operations teams depend on daily.

Cloud and infrastructure enablement

Cloud-ready and on-premise deployment architectures, sized for enterprise workloads and enterprise constraints.

Transform your next insurance operation.

Whether you are modernising underwriting, business rules, documents, collections, payouts or operational workflows, SolTech can help you design and build the platform behind it.

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