Insurance & InsurTech API Integration
Instant KYC, risk data and e-signed policies for digital insurers.
InsurTech platforms need frictionless onboarding, risk signals and legally-valid policy issuance. Aadhaar e-KYC, PAN, CKYC, Account Aggregator, Vahan and Aadhaar eSign come pre-built and compliance-ready so you quote, underwrite and issue a policy in a single digital journey.
Why Insurance & InsurTech teams integrate this stack
Insurance has an unusual shape: the customer is most willing to complete the journey in the minutes after they decide to buy, and every verification step spends that willingness. A proposal that requires document upload and then waits two days for a verification desk loses a policy that was already sold.
The stack below issues in-session. Aadhaar e-KYC, PAN and CKYC verify the proposer without an upload. Vahan resolves vehicle details from a registration number, so motor risk is priced on verified data rather than on a customer typing in a variant they may not know. Account Aggregator supports income-linked products. Aadhaar eSign executes the proposal and policy document, and WhatsApp delivers the document where the customer will actually see it.
What shapes the Insurance & InsurTech integration stack
Price on verified vehicle data
Resolving make, model and registration status from Vahan removes both a friction point and a mispricing risk that customer-entered data creates.
Issue in the same session
Aadhaar eSign closes the proposal immediately, so the policy is issued while the customer is still present rather than after a verification queue.
Re-use existing KYC
A CKYC record retrieved from the registry is faster than fresh collection and is the difference between a two-minute journey and a two-day one.
Claims need the same rails
Identity, vehicle and document verification are equally useful at claim assessment, where the document chase is the main source of cycle time.
What you can ship
- Verify a proposer paperlessly with Aadhaar e-KYC, PAN and CKYC
- Enrich motor risk with Vahan vehicle registration data
- Issue and e-sign the policy document with Aadhaar eSign
Integrations for Insurance & InsurTech
- Aadhaar e-KYCReady to shipPaperless identity verification against the UIDAI database via OTP or biometric authentication. Licensed AUA/KUA access.
- PAN VerificationReady to shipValidate a PAN against the Income Tax department and retrieve holder name + status in real time.
- Central KYC (CKYC)Ready to shipSearch and download a citizen's KYC record from the Central KYC Registry using the 14-digit CKYC identifier.
- Account AggregatorReady to shipConsent-driven financial data sharing across banks via the RBI Account Aggregator framework. FIU-grade integration.
- Aadhaar eSignReady to shipApply legally-valid digital signatures to documents using Aadhaar OTP — fully paperless contract execution.
- Vahan (Vehicle RC)Ready to shipFetch Registration Certificate details for any vehicle from the national Vahan database.
- WhatsApp BusinessReady to shipSend template and session messages on WhatsApp for notifications, OTP and support.
Insurance & InsurTech API integration — FAQs
Can we verify a vehicle from just the registration number?
Yes. Vahan returns Registration Certificate details from the national database, which is both faster for the customer and more accurate than self-entered vehicle details.
Is an e-signed policy document legally valid?
Yes. Aadhaar eSign produces a digital signature under the Information Technology Act using a certificate from a CCA-licensed authority.
Do these rails help with claims as well as issuance?
Yes — identity verification, DigiLocker document retrieval and Vahan vehicle data are all directly applicable to claim assessment.
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