# Upsure

> Modern insurance operating stack for carriers in emerging markets

## At a glance

| Field | Value |
| --- | --- |
| Category | Core Administration |
| Type | Solutions Provider |
| Region | APAC |
| Headquarters | Hyderabad, India |
| Founded | 2017 |
| Stage | Startup |
| Employees | 11-50 |
| Funding | Bootstrapped |

## Overview

Upsure is a core insurance software platform for life, health, and general insurance carriers in emerging markets across Asia, the Middle East, and Africa. Founded in 2017 in Hyderabad, India, the company provides a modular operating stack that serves as a third path between purchasing legacy systems and building custom technology from scratch. The platform is delivered as fully managed SaaS, private cloud, or on-premises deployments.

The platform is organized across three tiers: AI co-pilot workflow tools layered over modular core engines (policy, claims, distribution, document, communications, identity/KYC, and pricing), with system integrator-led modernization programs delivered in partnership with PwC, KPMG, and HCLTech. The platform supports REST and event-driven APIs, Kafka-compatible event integration, Node and Java SDKs, and multi-cloud deployment across AWS, GCP, and Microsoft Azure.

Upsure reports 1M+ daily active members across 2,000+ locations, with production deployments across India, Oman, and Singapore. Named customers include Axis Max Life Insurance. In May 2026, Upsure was integrated into the InsureMO partner ecosystem, extending distribution reach to 8,700+ channels across 50+ countries.

## Products & services

### AI Workflow Tools \(Tier 1\)

Human-in-the-loop AI co-pilots layered on top of core engines, targeting specific operational roles within insurance carriers.

**Key features:**

- Claims Concierge for AI\-assisted claims adjudication
- Underwriting Cockpit for risk assessment on complex and borderline cases
- Renewals Desk with churn prediction for retention management
- Fraud Watch for anomaly detection
- Member Onboarding and Grievance & Ombudsman workflow automation

*Target users:* Claims adjusters, underwriters, retention teams, fraud investigators

### Core Engines \(Tier 2\)

Modular insurance core system components that can be adopted individually or as a full stack.

**Key features:**

- Policy Engine covering full policy lifecycle management
- Claims Engine from FNOL through settlement
- Distribution Engine for broker and agent network management
- Identity & KYC Engine for onboarding, KYC, and AML compliance
- Pricing Engine combining actuarial rules with ML scoring
- Document Engine with generation, OCR, and redaction

*Target users:* Insurance carriers across life, health, and general lines

### Modernization Partnerships \(Tier 3\)

Co-engineered modernization programs delivered with SI partners for compliance, actuarial, and legacy migration services.

**Key features:**

- Legacy system migration with PwC, KPMG, and HCLTech
- Compliance and actuarial modernization
- Talent development with BITS Pilani and IIRM

*Target users:* Carriers undertaking core system transformation

## Category & focus

- Subcategories: Policy Administration, Claims Management, Distribution Management, KYC/Identity, AI Workflow Tools
- Insurance verticals: Life & Annuity, Health, P&C Commercial
- Target customers: Carriers

## Notable customers

- Axis Max Life Insurance

## Links

- Website: <https://upsure.io>
- Directory profile: <https://insurtechlist.com/companies/upsure/>
- Careers: <https://upsure.io/careers>
- Twitter: <https://x.com/Upsure_World>
- Linkedin: <https://www.linkedin.com/company/upsure-world/>
- Demo/contact: <https://upsure.io/book-a-demo>

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*Last updated: 2026\-06\-19*