Insurance

Reimagining insurance with data and AI

From digital self-service and usage-based or on-demand coverage, to highly personalized policies and advanced algorithms for specialized needs, data and AI are reshaping the insurance value chain.

With Qubika’s deep technology expertise, you can transform these ambitions into measurable business outcomes - accelerating innovation, improving efficiency, and strengthening customer trust.

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Our insurance & financial services expertise

Our skilled team has worked with leading insurance and financial organizations worldwide, ensuring secure and powerful digital experiences for their customers.

  • 20+

    20+ years of experience in insurance & financial services

  • 100M+

    100 million+ customers use insurance & financial systems built by Qubika every day

  • 75%

    75% of Qubika’s largest clients are in insurance & financial services

Our Solutions

Qubika’s insurance solutions transform how insurers operate across the entire value chain.

Our work includes streamlining policy lifecycle management, accelerating claims processing, and enhancing underwriting and risk assessment - leveraging advanced data analytics and AI/machine learning to drive smarter and faster outcomes.

  • Data and AI-powered insurance solutions

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    • AI-enabled damage estimation.

      For damage assessments, AI-enabled solutions provide fast, accurate damage estimates, streamlining claims processing and elevating overall claims accuracy. This accelerates settlements and enhances customer trust.

    • Usage-based auto insurance.

      Usage-based solutions can be tailored to individual driving habits. Such a technology-driven approach provides more accurate risk assessment, leading to fairer pricing and greater customer satisfaction.

    • AI-driven property insurance underwriting.

      Redefine property insurance underwriting through AI-driven technologies. Innovative systems can now analyze vast datasets to assess risks more accurately, enabling more precise policy pricing and a more efficient underwriting process.

  • Innovative product development in insurance

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    • On-demand Insurance.

      Revolutionize the way insurance is accessed with on-demand offerings. Our product development expertise will help you drive forward these initiatives.

    • Personalized insurance policy development.

      Use advanced analytics and a technology-first approach to design tailored insurance products that align with individual risk profiles, lifestyle needs, and financial goals. This personalization enhances customer satisfaction, improves risk selection, and strengthens long-term loyalty.

  • Advancing connected systems for enhanced efficiency

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    • Modern transactions with electronic payment systems.

      Redefine financial exchanges with state-of-the-art electronic payment systems that have been specifically designed for speed, security, and simplicity.

    • Calorie counting devices and other health devices.

      In health and wellness, we design connected devices that combine seamless user experiences with actionable insights. These smart tools empower individuals to proactively manage their health, driving better outcomes and supporting insurers in promoting preventive care and member engagement.

    • Automated First-Notice-of-Loss (FNOL).

      By introducing automation in the early stages of claims reporting, insurers are improving accuracy and speed, significantly enhancing the efficiency of the claims handling process.

Highlights of our work

  • 10x

    Achieved a 10x acceleration in AI model prediction times for a key financial services client

  • BLE

    Proven experience in wearables and BLE connected devices.

  • 28million+

    Handled massive scale data integration for one client and their 28 million+ clients

  • HIPAA

    Established expertise in building user-centric apps & chatbots complying with regulations such as HIPAA.

Rigorous data and security processes

We employ the most stringent security measures and robust security protocols to protect digital assets and data. Our multi-layered approach to security is designed to ensure readiness for any eventuality, while also providing peace of mind.

Security
  • The SOC 2 Type 2 certification is provided to organizations that demonstrate stringent security protocols over an extended period of time.

  • Our ISO 27001 certification means enhanced security to protect data, reduced risk for business operations, and an increased ability to respond to evolving security threats.

  • Qubika has achieved compliance with the NIST AI Risk Management Framework, demonstrating strong governance, risk management, and transparency in the design and deployment of AI systems.

  • IncomeLab

    Success Stories

    Reimagining life insurance and retirement planning

    Qubika partnered with Income Lab to modernize retirement planning by addressing the challenges of an aging population and the need for more personalized, dynamic financial strategies.

    Income Lab’s advanced analytics, combined with Qubika’s technical expertise, resulted in the creation of tools like LifeHub and Tax Lab.

    • DevSecOps
    • Agentic AI
    • Frontend & backend development
    • APIs
  • MedMarc

    Success Stories

    AI for smarter underwriting with MedMarc Life Sciences Insurance

    Medmarc is a leader in healthcare liability insurance. To remain at the forefront of the industry, they worked with Qubika to create a custom AI solution to modernize its underwriting and claims workflows.

    The AI-powered solution streamlined research and document review, allowing underwriters and claims examiners to surface insights faster, improve decision accuracy, and strengthen operational efficiency.

    • Secure AI
    • Streamlined workflows
    • Scalable infrastructure
  • Santander Group

    Success Stories

    Creating & enhancing Zurich Santander Group’s digital presence

    Zurich Santander Seguros is a leading insurance provider in Latin America and Europe, established in 2011 through a joint venture between Zurich Insurance Group and Banco Santander.

    Qubika partnered with Zurich Santander to design and implement a modern digital presence - enhancing user experience, aligning with global brand standards, and supporting the company's long-term digital transformation strategy.

    • Digital performance
    • App and UX modernization
    • Brand alignment

Let’s work together

Get in touch with our experts to review your idea or product, and discuss options for the best approach

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