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Insurance Sector

Document Management for Insurance Companies

Policy documents, claims evidence, customer KYC, IRDAI filings — every document retrievable, auditable, and audit-trailed in seconds.

  • End-to-end policy lifecycle — from proposal to archival
  • Claims file assembly with auto-linked hospital records & FIRs
  • IRDAI-aligned audit trails and retention policies
  • Aadhaar eSign for digital policy issuance via NSDL CA
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🛡️ POLICY DOCUMENT
IRDAI Ready ✓Audit trail exported
Claims LinkedAuto-assembled files
Real-timeClaims file assembly as docs arrive
100%IRDAI audit-trail on every action
AES-256Encryption on all customer data
ISO 27001 & ISO 27701Certified & DPDP Act 2023 aligned

Industry Pain Points

Key Challenges that Insurance Companies Face

From policy sprawl to slow claims — these are the document problems that cost insurers time, money, and customer trust.

01

Policy Document Sprawl

20+ documents per policy scattered across branches, agents, and TPAs with no unified view.

02

Claims Under Time Pressure

One missing document stalls settlement, escalates complaints, and damages customer trust.

03

IRDAI Audit Trails

Every customer-facing document must be auditable — manual processes create dangerous gaps.

04

Intermediary Management

Agent licenses and KYC tracked across thousands of brokers — expiries slip through without automation.

05

Long Retention Periods

Life and pension records can outlive the policyholder — paper-based storage is not sustainable.

✓

Kleeto solves all of this

One IRDAI-aligned repository — unifying policy, claims, KYC, and intermediary documentation.

How Kleeto Helps

IRDAI-Aligned Document Management, End to End

Kleeto unifies policy issuance, claims, and intermediary documentation in one secure repository — with Aadhaar eSign, real-time claims file assembly, and retention policies enforced automatically per product.

🛡️
Digital policy issuance with Aadhaar eSign via NSDL CA
⚡
Real-time claims file assembly — hospital records, FIRs auto-linked
📋
IRDAI inspection exports formatted exactly as inspectors request
🔔
Agent license & KYC expiry alerts 30 / 60 / 90 days out
🔍
Cross-policy search for fraud investigation across customer & agent
📂 Unified Repository
📄
Proposal forms & customer KYC
🏥
Claims documents & hospital records
💰
Premium receipts & endorsements
🤝
Agent & broker licenses
📊
IRDAI filings & audit trails
🔄
Reinsurance treaty documents

Use Cases

How Insurers Use Kleeto

📋

Digital Policy Issuance

Proposal forms, KYC, medical underwriting, and contracts signed via Aadhaar eSign — fully paperless.

⚡

Claims File Assembly

Hospital records, FIRs, and surveyor reports auto-linked as they arrive — complete files in real time.

🏛️

IRDAI Inspection Prep

Audit-trail exports formatted exactly as inspectors request — ready in minutes, not weeks.

🤝

Agent & Intermediary Onboarding

License verification, training records, and IRDAI submissions in one automated flow.

🔄

Re-KYC Cycles

Customer KYC refreshed on schedule with automated triggers — no manual tracking needed.

🔍

Fraud Investigation

Cross-policy document search across customer, agent, and product — indexed patterns surface instantly.

Document Types

Every Document in Your Policy Lifecycle

Proposal Forms Customer KYC Medical Underwriting Reports Policy Bonds Endorsements Premium Receipts Hospital Records FIR Copies Death Certificates Surveyor Reports Settlement Records IRDAI Filings Agent Licenses Training Certifications Reinsurance Treaty Documents

Key Features

Built for Indian Insurance Operations

📡

Multi-Channel Capture

Branch, agent portal, digital channel, and TPA — all document streams unified in one repository.

✍️

Aadhaar eSign

NSDL-licensed CA partner — legally valid under Section 3A of the IT Act 2000 for policy issuance.

📝

Immutable Audit Trails

Every document action logged with user, timestamp, and IP — tamper-proof for IRDAI inspections.

⏱️

Retention by Product

Auto-enforced retention periods per IRDAI guidelines — different rules for life, health, and general insurance.

🔔

Expiry Alerts

Agent licenses, training records, and KYC refresh cycles flagged 30 / 60 / 90 days before they lapse.

🔎

Cross-Policy Search

Search by customer, agent, product, claim, or any custom field — fraud patterns surface instantly.

Policy Lifecycle

End-to-End Policy Workflow

From proposal submission to archival — every document captured at each stage.

1

Proposal

Form capture & initial KYC

2

KYC + Underwriting

Medical & financial verification

3

Issuance / eSign

Aadhaar eSign on policy bonds

4

Premium / Endorsement

Renewals & change records

5

Claims

Auto-assembled claims files

6

Archival

IRDAI-enforced retention

Measurable Benefits

What Insurers See After Kleeto

⚡

Faster Claims Turnaround

Complete file assembly drives faster settlements — no more chasing down hospital records from different systems.

🏛️

IRDAI Audit Readiness

Inspection exports ready in minutes — not weeks of manual file gathering across branches.

🔍

Fraud Pattern Detection

Indexed search across policies enables rapid cross-customer, cross-agent fraud investigation.

🏢

Branch Productivity

Staff spend less time hunting for policy files and more time serving customers and processing new business.

Compliance & Security

IRDAI Aligned ISO 27001 & ISO 27701 Certified GDPR Compliant DPDP Act 2023 IT Act Section 3A eSign AES-256 Encryption Role-Based Access 2FA & IP Controls

FAQ

Common Questions from Insurance Teams

Everything you need to know before implementing Kleeto in your insurance operations.

Talk to an Expert

Yes — audit trails, retention policies, and security controls align with IRDAI's requirements for life, health, and general insurance. Kleeto enforces these automatically so no document action goes unlogged.

Retention varies by product: typically 5 years post-claim closure or policy termination, and longer for life and pension products. Kleeto enforces the correct period automatically per product type.

Yes — Kleeto centralizes agent records, training certifications, broker appointments, and IRDAI submissions with automatic expiry alerts before licenses or certifications lapse.

Yes — Kleeto integrates with leading policy administration, claims management, TPA, CRM, and core financial systems via API, acting as the document layer alongside your existing core systems.

Get Started

Ready to Make Every Policy Document Retrievable?

Join insurers who have eliminated claims delays and passed IRDAI inspections without stress.

Book My Demo Call Us Now
Real-time
Claims file assembly
Minutes
IRDAI audit export time

We are of the opinion that the best way to provide value to the consumer is to think creatively, customize their experience, and be open to new ideas.

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