Tata AIA Life Insurance Company (Tata AIA) has launched an Underwriting Rule Engine (URE), a mix of machine learning, Gen AI and big data analytics that automates the traditionally slow, paper-heavy underwriting process.
When a consumer applies for a policy, URE immediately analyzes their data, including medical history and lifestyle information, and compares it to pre-programmed rules to assess risk.
Based on this analysis, it generates a real-time risk assessment and approves or rejects the application, eliminating manual intervention and significantly speeding up processing.
Additionally, URE uses AI-powered reflexive questions during telemedical exams to collect accurate health data, reducing the need for physical tests and minimizing delays. This results in a faster, smoother and more efficient experience, from application to approval.
“The introduction of the Underwriting Rule Engine marks a significant leap in our digital transformation, enabling faster, more consistent and scalable underwriting decisions, in line with our core philosophy of consumer obsession,” Sanjay Arora, Chief of Operations, Tata AIA Life Insurance, said in a press release on Wednesday.
Traditionally, adoption involved multiple manual steps, medical tests and long wait times. With URE, Tata AIA has revolutionized the process and ensured a seamless experience for consumers. Now consumers can benefit from faster approvals, less paperwork, fewer medical tests and more transparency, the company said.
Published on October 29, 2025
#Tata #AIA #Life #Insurance #launches #Gen #AIpowered #underwriting #rules #engine