Technology Consulting and Innovation for the Insurance Sector (InsurTech)

We modernise insurance core systems, automate claims management and develop secure, scalable transactional platforms to deliver high-converting omnichannel experiences. We work on claims and operations automation with RPA, conversational AI and policy management, insurance core modernisation, omnichannel portals and fast quoting, AI-driven predictive underwriting, and dynamic pricing with actuarial rates. We also develop fraud detection solutions. We serve insurers, mutual societies and brokerages across Spain.

We automate the entire claims cycle: the policyholder's notification via app, web or AI assistant; automatic reading of claim forms, invoices, reports and photographs; coverage validation; assignment to loss adjusters and repairers; and payment of simple cases without manual intervention. Claims handlers focus on complex claims. The insurer reduces resolution times from weeks to days, lowers handling costs and improves customer satisfaction at the most critical moment.

Machine learning models analyse each claim in real time and compare it with thousands of patterns: the policyholder's history, relationships between the parties involved, the garages and professionals involved, and the consistency of dates, amounts and documentation. They give each case a risk score and refer only suspicious ones for investigation, without delaying legitimate customers. The insurer detects more fraud with fewer resources and protects its loss ratio.

Predictive underwriting uses AI models to assess the risk of each application with more data and greater precision than traditional rules, and to automate the acceptance of standard risks in seconds. Underwriters devote their expertise to complex cases. In life and health insurance, the AI Act classifies AI used for risk assessment and pricing of natural persons as high-risk, so we design models that are explainable, auditable, free from bias and subject to human oversight.

Core policy administration systems are often legacy platforms that make it difficult to launch new products and connect with digital channels. We apply progressive modernisation: we expose their functionality through APIs, migrate products and portfolios in phases and build new product, quoting and distribution layers on cloud architectures. The insurer launches products in weeks and meets the digital operational resilience requirements of the DORA regulation.

Dynamic pricing adjusts rates by combining actuarial models with real-time data on risk, the market and customer behaviour. It enables usage-based insurance, such as pay-per-kilometre or pay-how-you-drive car insurance, or cover that is activated only when it is needed. We develop the rating engines and the integrations with devices and data sources to launch more personalised and competitive products.