Frequently Asked Questions
What does a phase one cost, how many hours, and how long does it take?
The worked example is 1,420 hours, which is $56,800 to $142,000 across our $40 to $100 rate band and about $92,300 at a $65 blend, landing in 16 to 24 weeks with a squad. The module ranges sum to 1,160 to 1,980 hours, so a smaller or larger phase one is a question of which modules are in it. We do not quote a fixed number before a discovery that produces the integration inventory.
Who owns the code, the data and the accounts?
You do, all three, from the first commit. Repositories, cloud accounts, domains and third party service accounts are in your name or transferred to it at handover. What transfers alongside them is the policy model decision record and the interface contracts, which is the part that makes the code readable by whoever comes after us.
Why is versioning the policy such a big deal?
Because a claim is adjudicated against the policy as it stood on the loss date. A system holding one current row per policy can tell you what is in force today and cannot defend a decision made about last March. Building it in costs more in the first month and less in every month after, and retrofitting it means reconstructing history out of documents.
Can you work with our existing Guidewire or Duck Creek installation?
Yes, and that is the more common shape of this work. The first question is which extension points your specific version supports, because vendor documentation describes the current release and you may not be on it. We would much rather find that out in discovery than in build.
What is the difference between ACORD AL3 and ACORD XML?
AL3 is a flat file, one way and batch, historically carrier to agency, carrying policy and commission data. XML is request and response for real time transactions between rating, policy, underwriting, certificate and regulatory systems. Choose by the interaction you need rather than by which one is newer.
Do we have to be on NHCX?
It is not formally mandatory. It has been live since June 2024, built by the National Health Authority with IRDAI under the Ayushman Bharat Digital Mission, and it standardises eligibility, pre-authorisation, submission, adjudication, payment and reconciliation on HL7 FHIR. The practical argument is that a hospital which integrates once will prefer counterparties who accept that one integration.
What does the fraud monitoring framework actually require of a system?
The guidelines were issued on 9 October 2025 and come into force on 1 April 2026. They require a board approved anti-fraud policy reviewed annually, a fraud monitoring committee, and an independent fraud monitoring unit, with accountability reaching across the distribution chain. In system terms that is less about a detection model and more about case management: a queue, dispositions, documentation, and an audit trail showing what was done about each alert.
Does the GST exemption on individual policies simplify anything?
It complicates the accounting. Individual life and health premiums became exempt on 22 September 2025 while group policies stayed taxable at 18 percent. Exempt is not zero rated, so there is no input tax credit on the exempt book and input tax has to be apportioned between the two rather than claimed. That is a billing and ledger change rather than a rate change.
Can you file our returns or transmit our e-invoices?
No. Only an accredited service provider may transmit to the e-invoicing portal, and statutory filings are yours to make. We build the data that feeds both and integrate with whichever provider you appoint. This page repeats that in several places on purpose, because it is the assumption most likely to be made silently.
How do you handle migration from a legacy policy system?
Value equivalence per contract variety rather than reconciliation on totals. Matching policy counts and premium sums is the check that passes while individual contracts are wrong, and those surface at renewal, which is the worst possible moment to find them. The runbook carries a rollback position at every step.
You have no insurance client. Why should we trust this page?
We do not have one, and we would rather say so than stretch an unrelated project to fit. Everything here is domain mechanics, regulation and failure modes, all of which you can verify independently of us. Judge it on whether it describes your problem accurately, and bring hard questions to the call.
