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Data and AI Solutions for Insurance

Speed up claims, price risk more precisely and modernize policy and actuarial data with governed analytics and AI that stand up to regulators and reinsurers.

Underwrite, Price and Settle with Better Data

Insurance has always been a data business, but the data has changed. Telematics, connected property sensors, satellite imagery, digital first notice of loss, call transcripts and third-party enrichment now sit alongside policy, claims and actuarial records. Carriers, MGAs and brokers that can combine these sources quickly settle simple claims in hours, spot fraud earlier, quote with more confidence and give agents and customers the self-service experience they now expect.

Hanoi Technology helps insurers build that capability on modern cloud data platforms. We unify policy administration, claims and billing data, build pricing, fraud and claims triage models with the documentation and fairness testing regulators increasingly require, and deploy generative AI that reads submissions, medical reports and repair estimates so adjusters and underwriters focus on judgment.

The Challenge

The Data Challenges Facing Insurers

Legacy systems, rising claims costs and new AI oversight rules are reshaping how insurers must handle data.

Siloed Policy, Claims and Billing Systems

Many carriers run several policy administration and claims platforms inherited through acquisitions or line-of-business decisions. Building a consistent view of a customer, a risk or a portfolio requires painful manual reconciliation.

Document-Heavy, Manual Processes

Underwriting submissions, loss runs, medical records, police reports and repair estimates arrive as PDFs, emails and images. Staff spend large parts of their day re-keying information instead of assessing risk or helping claimants.

Growing AI Governance Expectations

State regulators in the US have been adopting the NAIC Model Bulletin on the use of AI systems, and some states, such as Colorado and New York, have added their own testing and disclosure requirements. Insurers must document, test for unfair discrimination and oversee every model, including those supplied by vendors.

Complex Financial and Actuarial Reporting

Standards such as IFRS 17 and solvency regimes require granular, auditable data flows between policy, claims, actuarial and finance systems. Spreadsheet-based processes make closing cycles long and audit queries hard to answer.

Business Value

What Modern Data and AI Deliver for Insurers

Faster Claims Settlement

Triage claims at first notice of loss, route simple ones to straight-through processing and give adjusters a complete summary for complex cases. Claimants get answers sooner and leakage falls.

More Accurate Pricing and Selection

Enrich applications with external and behavioral data and use machine learning alongside traditional rating factors. Underwriters write more of the risks they want at the right price.

Earlier Fraud Detection

Combine anomaly detection, text analytics and network analysis to flag suspicious claims and organized rings. Special investigation units receive fewer, better-quality referrals.

Productive Underwriters and Adjusters

Generative AI extracts and summarizes submissions, loss runs and medical files. Professionals spend their time on decisions and relationships rather than data entry.

Auditable Financial Reporting

Governed data pipelines link policy, claims and actuarial models to finance. Closing cycles shorten and every reported number can be traced and explained.

Demonstrable AI Governance

A model inventory, testing evidence and monitoring dashboards show regulators how AI systems are controlled. Compliance becomes a repeatable process rather than a scramble before each exam.

Insurers Win on Data Speed and Trust

The insurers pulling ahead are not just collecting more data; they are using it at the moment of decision, at quote, at first notice of loss and at renewal, while being able to show regulators exactly how every model behaves. We design solutions that do both from the start.

Our Services

Our Insurance Solutions

Six solution areas spanning underwriting, claims, finance and governance.

Insurance Data Platform Modernization

We consolidate policy, claims, billing and reinsurance data from legacy and modern core systems into a governed cloud lakehouse with a common insurance data model.

  • Insurance data model and target architecture
  • Pipelines from policy, claims and billing systems
  • Data quality and reconciliation controls

Claims Automation and Triage

We build models and workflows that classify claims at intake, estimate severity, detect subrogation opportunities and route each claim to the right handling path.

  • FNOL triage and severity models
  • Straight-through processing rules
  • Adjuster workbench summaries

Underwriting and Pricing Analytics

We develop risk selection and pricing models, integrate third-party data such as geospatial and telematics sources, and build tools that give underwriters clear, explainable recommendations.

  • Pricing and risk scoring models
  • Third-party data enrichment pipelines
  • Underwriter decision support dashboards

Fraud and Special Investigations Analytics

We combine predictive models, rules, text mining and graph analytics to identify suspicious claims, providers and networks across lines of business.

  • Fraud scoring service
  • Entity resolution and link analysis
  • SIU referral and case dashboards

Actuarial and Financial Reporting Data

We automate the data flows that feed reserving, IFRS 17 and solvency calculations, with lineage, reconciliation and controls that support audit.

  • Reporting data marts and cohorts
  • Reconciliation and attestation workflows
  • Lineage from source to disclosure

Generative AI and AI Governance

We deploy document AI and assistants for submissions, claims files and policy wording, and set up the model inventory, testing and monitoring that AI oversight rules expect.

  • Submission and claims document extraction
  • Policy wording assistant with citations
  • AI inventory, bias testing and monitoring

Explore

Services for Insurance

Our Approach

How We Engage with Insurers

A structured path that respects regulatory oversight while delivering measurable improvements quickly.

  1. 01

    Value Chain and Data Assessment

    We review the underwriting, claims or finance process in scope, the systems involved and the quality of historical data, and identify where delays, leakage or manual effort concentrate.

    Deliverables: Process and data heatmap · Data quality findings

  2. 02

    Use Case Selection and Governance Plan

    We prioritize use cases by value and feasibility and agree how each model will be documented, tested for unfair discrimination and overseen under your AI program.

    Deliverables: Prioritized roadmap · Model governance plan

  3. 03

    Data Foundation and Integration

    We build the pipelines, data model and access controls the first use cases need, integrating with policy, claims and document management systems.

    Deliverables: Curated insurance data sets · Integration and security design

  4. 04

    Model and Workflow Delivery

    We develop models and automation in sprints with weekly updates and demos, testing them against historical claims or submissions before any live decision is affected.

    Deliverables: Back-tested models · Workflow and UI integration

  5. 05

    Controlled Rollout and Monitoring

    We launch in shadow or limited mode, measure results against agreed baselines and monitor drift, fairness metrics and business outcomes over time.

    Deliverables: Rollout plan and KPIs · Monitoring dashboards

Use Cases

Insurance Use Cases

Practical scenarios across personal, commercial, life and health lines.

Straight-Through Auto Glass and Minor Claims

Low-severity motor claims with clear coverage and photos are validated automatically and paid the same day. Adjusters only see claims the model flags as complex or unusual.

Commercial Submission Intake

An MGA receives broker submissions with schedules, loss runs and statements of values in mixed formats. Document AI extracts the data into the rating tool, and underwriters review a structured summary.

Property Risk Scoring with Geospatial Data

Underwriters see each location’s exposure to flood, wildfire and wind alongside building characteristics from aerial imagery. Pricing reflects actual site risk instead of broad territory averages.

Provider and Network Fraud Detection

Graph analytics links claimants, repair shops, clinics and attorneys across claims. Investigators can see clusters of related claims that individual rules would never connect.

Life Underwriting Acceleration

Predictive models and electronic health data allow lower-risk applicants to skip medical exams. Applicants receive decisions in days rather than weeks, reducing drop-off.

Renewal Retention and Cross-Sell

Churn models identify policyholders at risk of lapsing at renewal and the products they are likely to need. Agents receive prioritized lists with suggested conversations.

Technology

Platforms and Standards We Work With in Insurance

We integrate with the core systems and data standards common across the insurance value chain.

  • ACORD Data Standards
  • Guidewire integrations
  • Duck Creek integrations
  • Databricks
  • Snowflake
  • Azure
  • AWS
  • Google Cloud
  • dbt
  • Apache Kafka
  • MLflow
  • Azure AI Document Intelligence
  • Amazon Textract
  • Power BI
  • Collibra
  • Neo4j

Platforms

Deliver Insurance on Your Preferred Platform

Why Hanoi Technology

Why Organizations Choose Hanoi Technology

Senior, Cross-Functional Teams

Strategy, data, AI, cloud and engineering specialists work as one team, so nothing is lost between hand-offs.

Proven Delivery

More than 50 projects delivered for clients in North America, Europe and Asia-Pacific.

Radical Transparency

A written update every week and a demo of working software every sprint, so you always know where things stand.

Cost-Effective Global Delivery

Experienced engineers from our Hanoi delivery hub, with working-hour overlap for every major time zone.

75%of tickets fully automated

Success Story · SaaS

AI support assistant and smart escalation for a global SaaS company

A project-management SaaS provider receiving thousands of support requests a day needed faster answers without growing the support team. We built an AI assistant grounded in its knowledge base, with escalation to human agents.

Read the Full Story

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Resources

Featured Resources

Industry trends and practical guidance to help you get more value from data, AI and technology.

Make Better Insurance Decisions, Faster

Book a free consultation to discuss your claims, underwriting or data modernization goals with our insurance data team. We reply to every enquiry within 24 hours.

Insurance FAQ

How do you help us comply with AI governance rules for insurers?

We align each model with your AI program and the requirements of the states or countries where you operate. In practice that means maintaining a model inventory, documenting intended use and data sources, testing for unfair discrimination and proxy variables, recording human oversight points and monitoring performance after deployment. We apply the same controls to vendor models you integrate. The result is an evidence package your compliance team can present during market conduct exams, rather than documentation reconstructed after the fact.

Can you integrate with our policy administration and claims systems?

Yes. We connect to core insurance platforms through their APIs, event streams, database replicas or batch exports, depending on what each system supports. Where you run multiple policy or claims systems, we map them to a common insurance data model so analytics and AI work consistently across lines of business. We can also write results, such as triage scores or extracted submission data, back into the systems adjusters and underwriters already use.

How long does it take to deliver a claims triage or fraud model?

A first production-ready model typically takes three to five months, including data preparation, model development, back-testing against historical claims and integration with your workflow. The biggest variable is access to clean historical claims and outcomes data. We usually start in shadow mode so you can compare model recommendations with actual handling decisions before allowing the model to influence routing or referrals.

Is generative AI safe to use on claims and medical documents?

It can be, with the right design. We deploy models in environments where your data is not used for training, restrict access according to existing permissions, log every interaction and require human review for decisions that affect coverage or payment. We also build evaluation sets from real documents to measure extraction accuracy before go-live. Sensitive data such as health information is handled according to the privacy rules that apply to you.

Can you support IFRS 17 and solvency reporting data?

We focus on the data layer that feeds actuarial engines and reporting tools: sourcing policy, premium, claims and expense data, grouping contracts into the required cohorts, reconciling with the general ledger and providing lineage for auditors. We do not replace your actuarial software, but we make its inputs reliable and its outputs traceable, which typically shortens closing cycles and reduces audit queries.

What does an engagement with Hanoi Technology cost?

Cost depends on scope, data complexity and the engagement model. A discovery and proof-of-value phase is usually a modest fixed-price project. Larger programs are delivered by dedicated teams billed monthly, or as managed services for ongoing operations. Because our delivery hub is in Hanoi, Vietnam, clients typically access senior data and AI engineers at a lower cost than equivalent onshore teams, while keeping working-hour overlap and weekly written progress updates.