Ask naturally
Query approved insurance intelligence using clear, conversational prompts.
Product concept · Coming soon
✦ InshureX
Insurance intelligence you can talk to.
InshureX is a conversational Claims and Underwriting Exchange (CUE) that includes a governed insurance-intelligence layer. It is designed to help authorised users move from a complex lifecycle question to a traceable risk answer.
The product vision
Useful intelligence, without losing human control.
InshureX is not designed to replace professional judgement. It is designed to make relevant, governed evidence easier to find, understand and act on.
See the evidence
Receive structured signals with provenance, permissions and review flags.
Act with context
Support underwriting, risk analysis, broking, claims, fraud detection, reinsurance, recovery and financial decisions.
Preserve accountability
Keep human review, auditability and data governance at the centre.
The InshureX CUE lifecycle
One intelligence loop across the life of risk.
InshureX is designed to connect decisions from underwriting through claims, fraud detection, reinsurance, recoveries, financial operations and renewal. Each stage contributes governed signals; each outcome strengthens the next risk decision.
01→
Underwriting & risk assessment
Bring verified identity, history, asset and exposure signals together to assess, price and explain the risk before cover begins.
02→
Broking, quotation & placement
Connect customer needs, insurer appetite, quotation context and placement history while identifying duplication or conflicting information.
03→
Policy validation & inception
Confirm cover, ownership, dates, insured interests and material facts, then establish a permissioned policy record with a clear audit trail.
04→
Risk analysis & controls
Analyse changing risk, control effectiveness, compliance signals and emerging exposure so decisions remain proportionate after inception.
05→
Exposure & portfolio monitoring
Track policy changes, accumulation, emerging risk, renewal signals and portfolio concentration throughout the period of insurance.
06→
FNOL & claims triage
Structure the first notification of loss, verify policy response and route the claim according to urgency, complexity and likely exposure.
07→
Claims intelligence & investigation
Connect evidence, causation, prior history, linked parties and duplication to support proportionate investigation and better decisions.
08→
Fraud detection & anomaly intelligence
Surface suspicious relationships, repeat patterns, identity inconsistencies and unusual behaviour for evidence-led human review.
09→
Liability, reserving & settlement
Support coverage and liability decisions, reserve development, negotiation and settlement while preserving the reasoning behind each action.
10→
Contribution & subrogation management
Identify other liable parties or insurers, coordinate contribution, protect recovery rights and manage subrogated recoveries through closure.
11→
Reinsurance & recoveries
Surface treaty or facultative impact, support notifications and bordereaux, and reconcile recoverables against claims and portfolio exposure.
12→
Financial technology, analytics & transformation
Connect premium, settlement and recovery cashflows with reconciliation, operational data and portfolio analytics, then turn outcomes into renewal insight and business transformation.
Continuous intelligence feedback
Claims, fraud, recovery, financial and portfolio outcomes flow back into underwriting, pricing, controls, analytics and future product decisions.
How the CUE produces intelligence
Designed to support individual and corporate identity-linked checks, subject to lawful access and consent.
Relate underwriting, risk, policy, claims, fraud, reinsurance, recovery and financial signals across authorised participants.
Surface duplication, anomalies, history, exposure, operational data and aggregated market insight.
Important product notice
A direction, not a live data service.
InshureX is currently in discovery and development. The interfaces and results shown on this website are illustrative concepts only. No live identity, policy or claims data is being queried.
Questions people ask
Understanding the InshureX concept.
Clear answers about the product direction, intended users and current development status.
What is InshureX?
InshureX is BICNL’s developing conversational Claims and Underwriting Exchange (CUE), with an insurance-intelligence layer for authorised questions across governed underwriting, risk, policy, claims, fraud, reinsurance, recovery and financial signals.
Is InshureX available now?
No. InshureX is currently in discovery and development. The product interfaces and intelligence examples on this website are illustrative rather than live results.
Who is it being designed for?
The concept is aimed at insurers, brokers, reinsurers, regulators, government stakeholders and responsible technology partners across the insurance ecosystem.
How would sensitive insurance data be handled?
The vision places lawful access, permission controls, privacy, explainability, auditability and human review at the centre. Detailed governance would be established before any operational data service launches.
Build with us
Bring your perspective to the product.
We welcome exploratory conversations with insurers, brokers, regulators and technology partners.