Embedded Insurance

Launch digital-first and embedded insurance

Build products with AI, expose them as branded forms and APIs, and embed coverage in any partner's journey - with billing and claims handled behind the scenes.

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Launch digital-first

Stand up new digital products fast, with AI.

Sell at the point of need

Embed coverage in any partner journey.

Service digitally

Real-time pricing, payments and digital claims.

Insurance that meets customers in the moment

Stand up new digital products fast and distribute them wherever your customers already are.

Capabilities

Customizable platform suited to InsurTech needs

Get a product live while the opportunity is open

Cover, pricing, forms and the journey around them are configured rather than built, so a partner conversation can turn into a live product in weeks. Distribution deals rarely wait for a development roadmap.

Meet the customer inside someone else's checkout

Embeddable forms, APIs and webhooks put quote-and-buy where the purchase already happens, with real-time pricing and payment collected in the flow. The insurance feels like part of the product, not a redirect.

Scale a partner without rebuilding for them

Each partner gets its own branding, products and pricing on the same platform, isolated and audited. Adding the next distribution deal is configuration rather than a fork of your codebase.

What's included

Everything you need in one embedded insurance platform

AI product builder

Describe the cover you want and get a working product - coverages, pricing and rules - to review and approve. Testing a new embedded proposition stops being a quarter of engineering time.

Embeddable forms

Branded quote-and-buy widgets that drop into any partner site or checkout, styled to look like part of their journey rather than a redirect to an insurer.

APIs & webhooks

Every form has a submission API, and REST endpoints plus webhooks let partners quote, bind and receive events from their own systems.

Real-time pricing

Premiums are calculated at the point of sale from the context the partner passes in - device value, trip length, basket size - so the price fits the moment it is offered.

Payments

Collect at checkout with built-in payment support, so cover is paid for in the same flow the customer is already completing.

Digital claims

Policyholders notify and track claims themselves through a self-service journey, which is what customers expect from a product they bought online in ninety seconds.

How it works

Up and running, fast

Build the product

Configure it - often with AI.

Embed everywhere

Forms and APIs into any journey.

Price & service

Real-time quotes, digital servicing.

See it in action

Add device protection at electronics checkout

A retailer wants to offer device protection when customers buy a phone.

Build the product

Configure a device-protection product and a branded form.

Embed at checkout

The retailer embeds the widget or calls the API.

Price & service

Cover is priced in real time; claims are handled digitally.

Illustrative example built on Openkoda's demo products.

Who it's for

Embedded Insurance Software Built for InsurTech Teams

Built for InsurTechs, digital insurers and embedded insurance programs. Product teams configure cover and pricing without a development cycle, engineering integrates quote-and-buy through APIs and embeddable forms, and each distribution partner runs on its own branding and products.

FAQ

Questions, answered

How fast can we launch an embedded product?
Products are configured, often with AI, and exposed as forms or APIs, so there is no long build between an idea and something a partner can test. Most teams are demonstrating a working quote-and-buy journey in weeks rather than quarters.
Can partners integrate via API?
Yes. Every form has a submission API, and the platform exposes REST endpoints and webhooks, so a partner can either embed the widget or drive the whole journey from their own front end and receive events back.
Is billing included?
Yes - collect payments at checkout with built-in support, so the premium is taken in the same flow as the purchase rather than in a separate step that loses customers.
Can we price in real time at the point of sale?
Yes. Dynamic premiums are calculated in real time from the context the partner sends, so cover is priced for the specific device, trip or basket in front of the customer rather than from a flat rate card.
Can customers self-serve claims?
Yes. Digital self-service claims are included, so a policyholder can notify and track a claim online. For low-value, high-volume embedded products that is usually the only economically viable way to handle claims.
Can we run several partners and products at once?
Yes. Openkoda is multi-tenant, so each partner can have its own branding, product variants, pricing and reporting on one deployment, with their data kept separate.
Who owns the customer data and the product configuration?
You do. Your products, configuration and policy data stay yours whether you run On-Premise or on Managed Cloud. That matters when a distribution partner asks where their customers' data actually sits.
Does it handle the full lifecycle, or just the sale?
The full lifecycle. The same platform administers the policy after it is sold - endorsements, renewals, cancellations, billing and claims - so an embedded product does not need a second system behind it once volume arrives.
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Build and change products in plain English - no developers.

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Forms & Distribution

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Rating Engine

Update pricing in minutes, safely - not release cycles.

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See Openkoda in your context

Book a live, personalized demo with our product team - tell us your use case and see the platform work with your data. No commitment.

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