T
Medical CoverTrip DelaysBaggageCancellation
Travel Shield Global
Worldwide cover for medical emergencies, trip delays, lost baggage and cancellation, with a certificate before you reach the gate.
Insurtech
Quote, Bind and Settle Insurance in One Place
Zethic AI Insurance Software is an insurance platform that runs quoting, policy issue and claims across travel, health, motor, personal accident and home cover. Sell direct or through partners, issue certificates on payment, and triage claims with AI.
These brands, Trust Us
< 2 min AI Claim Triage
97% Claim Approval
87% Faster Claims
10K+ Customers Protected
What it is
An AI-first insurance platform for five lines of cover
One AI engine runs the whole lifecycle: a quote in 60 seconds, a certificate the moment you pay, low-risk claims settled in under two minutes.
Five shields sit on the same copilot, so every quote, policy and claim behaves the same way, direct or through a partner.
- One AI engine
- Five lines of cover
- Direct or embedded
- Human + AI
Our shields
Five core shields, one AI engine
One AI engine quotes, binds and settles claims across all five lines.
HHealth Secure Plus
- 39 Conditions
- Early-stage Pay-outs
- Cashless Admission
- 15% Online Discount
39 Conditions
Health Secure Plus
Critical illness cover across 39 conditions with early-stage pay-outs, cashless admission and a 15% online discount.
MMotor Easy
24/7 Auto-assist
300+ Workshops
10% Rebate
FNOL Bot
24/7 Auto-assist
Motor Easy
Private car cover with 24/7 auto-assist, 300+ authorised workshops, a 10% online rebate, and an FNOL bot that works from the roadside.
PA Easy₹ 30,000
P
Accidental Death
Disability
Medical Reimbursement
PA Easy
Personal accident cover for accidental death, disability and medical reimbursement, with a family add-on.
Home Easy
ItemDetailStatus
Fire & Theft
Flood
Liability
24/7 Assistance
Fire & Theft
98.6%
Home Easy
Cover the building, the contents or both against fire, theft, flood and liability, with 24/7 Home Assistance and a 10% online discount.
Bundle & save
Bundle two or more shields and the platform auto-discounts 12% from the second policy onwards.
Inside the platform
One platform, from the app to the claim
Customers, shields and claims all run on the same AI engine.
Customer app
Buy and manage cover in your pocket
A quote in 60 seconds, a certificate the moment you pay, every policy in one place, and the copilot a tap away.
- 60-second personalised quote
- Instant digital certificate
- All policies in one wallet
- AI copilot, always on
Shields catalog
Five shields, chosen in plain language
Five lines with benefits and exclusions shown up front, and a bundle discount applied automatically.
- Five lines of cover
- Plain-language benefits
- Automatic bundle discount
- Fair, transparent pricing
Claims console
From first notice of loss to payout
Every claim lands in one queue, scored for fraud: low-risk cases auto-approve in under two minutes, complex ones route to a human.
- Conversational FNOL
- Fraud score on every claim
- Auto-approval under 2 minutes
- Human backup for edge cases
Why teams switch
Fast enough to sell, controlled enough to pass review
Speed on the front end, evidence and control behind it.
Every decision auditable
Each quote, fraud score and auto-approval is logged with its inputs and model version.
Humans where they matter
The AI handles routine cases and routes complex ones to people with full context.
Your data, your jurisdiction
Deploy into your own cloud account or a regional tenancy to stay in-jurisdiction.
Sell direct or embedded
The same engine powers your own app and any partner checkout.
How it's different
The legacy stack quotes in days. This quotes in seconds.
Every row below is a seam that costs you money today.
The legacy insurance stack
Policy admin, claims tooling and a call centre, integrated by hand.
- 20-question form, callback in 24–72 hours
- Claims triaged by hand, settled in days
- Fraud checked by sampling, after payout
- A separate system per line of business
- A bespoke integration per distribution partner
AI Insurance Software
Quote, bind, service and settle on one AI engine.
- Four to six questions, priced in 60 seconds
- Low-risk claims auto-approved in under two minutes
- A fraud score on every submission, before the decision
- Five lines of cover on one engine
- One quote-to-bind API for every partner checkout
How it works
From browse to bound in four taps
- 01 Pick
Pick a shield
Five lines of cover: Travel, Health, Motor, Personal Accident and Home.
- 02 ~60 sec
The AI quotes you
The AI asks four to six questions and computes a personalised premium in 60 seconds, with every benefit and exclusion in plain language.
- 03 Instant
Pay & cover live
Stripe-secured checkout, and a digital certificate lands in your inbox the moment you pay.
- 04 < 2 min
Claim in two minutes
The AI settles low-risk claims in under two minutes.
See it before you commit
The AI runs the whole flow, from quote and KYC to payment and certificate, with no human handoffs unless you actively want one.
Use cases
When the platform earns its place
Real moments where a fast claim is the difference between a headache and a non-event.
01 Travel
A delayed flight from KLIA
The AI settles the delay claim conversationally, with no forms, and the refund lands before your ride home.
Claim paid in ~90 seconds
02 Motor
A fender-bender on the way to work
The FNOL bot gathers photos on the spot, scores the claim for fraud, and books one of 300+ workshops.
Settled next morning
03 Health
An early critical-illness diagnosis
Health Secure Plus pays out at the early stage across 39 conditions, with cashless admission.
Early-stage pay-out
04 Home
A burst pipe at 2am
24/7 Home Assistance dispatches help immediately, and the flood-damage claim is filed with the copilot.
24/7 assistance dispatched
Integrations
It sits beside the systems you already run
API-first, so it slots into your core, payments and service tooling rather than replacing them.
AIcore Policy admin systems Reinsurance ledgers Actuarial pricing tables Legacy mainframe via API Stripe Razorpay Local card acquirers Bank transfer & UPI rails
Security & compliance
Built to pass an insurance security review
What the platform does with your data, and which standards it is held to.
Encryption everywhere
AES-256 at rest and TLS 1.3 in transit, with per-tenant key separation.
Auditable AI decisions
Every quote, fraud score and auto-approval is logged with its inputs and model version.
Role-based access control
Access to customer PII is scoped, time-boxed and recorded in an immutable audit log.
Data residency you choose
Deploy into your own cloud account or a regional tenancy to keep data in-jurisdiction.
- ISO 27001 controls
- AES-256 / TLS 1.3
- GDPR-aligned data handling
- SOC 2 Type II In progress
- PCI DSS via payment partners
Backed by Tier-1 reinsurers
Underwritten by reinsurance partners regulated by Bank Negara Malaysia.
40,000+ customers, 4.9 rated
A 4.9 average app rating and a 97% claim-approval rate.
30-day free look
Every plan includes a 30-day free look and a pro-rata refund, cancellable in one tap.
24/7 human + AI support
Chat with the copilot any time, and reach a real person whenever you want one.
Client reviews. Real outcomes.
What our clients say
“We truly appreciated their dedication, technical expertise, and problem-solving approach.”
Young Onion
Department Head
“I was blown away by the knowledge the team had about creatives, e-commerce, website design, and optimization.”
Decathlon Sports India
Image Leader
“They have a good team of designers and project managers who help us with the designs using HTML, Angular, and React.”
Instarama
COO
“Their creativity stands out. A collaborative team that delivered high-quality solutions working closely with us.”
CodeGama LLP
Business Developer
“The product has become more intuitive and user-friendly. Load times dropped significantly after their work.”
Qoruz
Co-Founder
“Their commitment to timely delivery was impressive.”
CurleyStreet Media
Business Development Rep
“We truly appreciated their dedication, technical expertise, and problem-solving approach.”
Young Onion
Department Head
“I was blown away by the knowledge the team had about creatives, e-commerce, website design, and optimization.”
Decathlon Sports India
Image Leader
“They have a good team of designers and project managers who help us with the designs using HTML, Angular, and React.”
Instarama
COO
“Their creativity stands out. A collaborative team that delivered high-quality solutions working closely with us.”
CodeGama LLP
Business Developer
“The product has become more intuitive and user-friendly. Load times dropped significantly after their work.”
Qoruz
Co-Founder
“Their commitment to timely delivery was impressive.”
CurleyStreet Media
Business Development Rep
“Simply put, the quality of their code is excellent. They integrated third-party software and ensured GDPR compliance.”
VIA IOM
Director
“What impressed us most was how well they understood our brand and translated it into clean, thoughtful designs.”
GD Farm Fresh
Director
“Their team was patient, courteous, responsive, and technically proficient throughout the entire project.”
Studio by Nandita Manwani
Partner
“Zethic Technologies generally delivers on time and in line with our requirements – deployed in 30+ countries.”
SABA Hospitality
Executive Director
“Zethic built the features specifically to match our internal workflow and business needs. Professional and on time.”
Coral Publishers
Executive
“Zethic Technologies is a true partner.”
Geordana
CEO
“Simply put, the quality of their code is excellent. They integrated third-party software and ensured GDPR compliance.”
VIA IOM
Director
“What impressed us most was how well they understood our brand and translated it into clean, thoughtful designs.”
GD Farm Fresh
Director
“Their team was patient, courteous, responsive, and technically proficient throughout the entire project.”
Studio by Nandita Manwani
Partner
“Zethic Technologies generally delivers on time and in line with our requirements – deployed in 30+ countries.”
SABA Hospitality
Executive Director
“Zethic built the features specifically to match our internal workflow and business needs. Professional and on time.”
Coral Publishers
Executive
“Zethic Technologies is a true partner.”
Geordana
CEO
Frequently asked
Answers to your questions
Still unsure? Send us the question you actually need answered and a senior engineer will reply.
Book a demoHow fast can it settle a claim?
Low-risk claims auto-approve in under two minutes. High-risk claims route to a human reviewer with a fraud score and document checklist attached.
What lines of cover does it support?
Five: Travel, Health, Motor, Personal Accident and Home. New lines can be configured without re-platforming.
Is customer data secure?
AES-256 at rest, TLS 1.3 in transit, and ISO 27001 controls. Customer data is never shared with third parties.
Where is our data hosted?
Deploy into your own cloud account or a regional tenancy. Policy and claims data stays in the jurisdiction your regulator expects.
Can it be embedded into our existing systems?
Yes. Partners embed quote-to-bind cover in their own apps and checkouts via API or white-label flows.
See the platform on your own line of cover
Tell us the line of business and a recent batch of claims. A senior Zethic engineer will walk you through quote, triage and fraud scoring on real data.
Share your context
Your lines of cover, volumes and neighbouring systems. NDA before any specifics.
See a live walkthrough
A working quote-to-claim demo, not a slide deck.
Get a rollout plan
Integration approach, timeline and pricing for your claims volume.
See the platform on your own line of cover
Tell us the line of business and a recent batch of claims. A senior Zethic engineer will walk you through quote, triage and fraud scoring on real data.