Why Openkoda

The open, AI-native insurance platform you actually own

Openkoda gives you what closed, contact-sales cores can't: a PAS your own team configures with AI, live in weeks, at a price published on this page.

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  • Live in weeks
  • Fully customizable
  • No vendor lock-in
  • Managed or on-premise
As featured in
FinTech GlobalInsuranceERMInsurtech InsightsInsurance EdgeOpen & Embedded Insurance ObservatoryInsurance Innovation Reporter
What sets us apart

Six reasons teams choose Openkoda

Honest about what's rare and what isn't - here's where Openkoda genuinely differs.

  • Launch in weeks, not quarters

    Configure a product, price it, wire the workflow and go live while a traditional core programme is still in discovery.

    Our own group travel build went from implementation to production in eight weeks, portals and migration included.

  • Published, flat pricing

    Business and Enterprise are flat annual contracts, with no per-seat, per-policy or percentage-of-premium fees, and every number published on the pricing page.

    In a market where almost everyone says “contact sales”, you know the number up front.

  • Build products in plain English

    Describe a product or a change and the AI drafts it - coverages, pricing, rules and workflow - for you to review and approve. Safely versioned, fully audited.

    Rivals' natural-language configuration is brand-new and closed; some target developers, not your business teams.

  • Configuration, not code

    Products, pricing, underwriting, workflows, forms, documents, dashboards, roles and navigation are all business-user configuration.

    Legacy suites lean on proprietary languages - Guidewire's Gosu, Salesforce's Apex - and services projects to change. Openkoda doesn't.

  • Ask your data anything - privately

    Get reports and dashboards by asking in plain English, no query language required.

    Every question runs with strict tenant isolation at the data layer, so answers stay private to your organization.

  • One platform, many models

    P&C and Life, and operating models from MGA and carrier to broker, TPA and reinsurer - on a single multi-tenant platform.

    Configure the model you run today and add others without standing up a new system.

By the numbers

What building on Openkoda looks like in practice

8 weeks
From idea to production

Core Travel Insurance went from implementation to a live group travel platform - portals, self-service and client migration included - in eight weeks.

3 months
Two lines, one platform

SkyGuard put long-term life cover and specialty aviation P&C on a single platform in roughly three months, both lines end to end, with its own AI and flight-data engine pricing the risk.

∞
Unlimited users, every plan

Add as many users as you need - underwriters, handlers, brokers, admins - on every plan, with no per-seat, per-policy or percentage-of-premium fees.

Figures from the Core Travel Insurance and SkyGuard builds - see the case studies.

How it works

Building insurance software on Openkoda

From a running platform to a live, branded product - configured by your team, extended by developers only where you want it, and deployed wherever you need it.

  1. 1

    Start from a working PAS

    We spin up your Managed Cloud instance, or install On-Premise in your own environment. You begin with policy, underwriting, claims, billing and reporting already running, not an empty project.

  2. 2

    Model your products

    Configure coverages, rating, underwriting rules and workflow in the platform, often by describing the change in plain English and approving what the AI drafts.

  3. 3

    Customize the experience

    Brand the portals, forms, dashboards, roles and navigation to your process. Developers extend the Core in code only where you genuinely need something bespoke.

  4. 4

    Integrate your ecosystem

    Connect finance, partner and data systems through REST APIs, webhooks and the MCP server, so Openkoda fits the stack you already run.

  5. 5

    Deploy and evolve

    Go live on Openkoda Managed Cloud or on-premise, then keep changing products the same way - versioned and audited, with in-force policies untouched.

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What's in the platform

Openkoda features, out of the box

Every capability below ships with the platform and is yours to configure - from building products and pricing to running policies, claims, billing and reporting.

AI Product Builder

Build and change insurance products in plain English - no developers.

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Insurance Rating Engine

Update pricing and rating rules in minutes, safely - not release cycles.

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Workflow Engine

Design your process visually, drag-and-drop - operational efficiency without coding.

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Insurance Forms & Distribution

Sell insurance policies through branded forms, portals and partners.

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Policy Administration

Insurance policy administration across the full lifecycle, all in one place.

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Underwriting

A faster, consistent underwriting process - one desk, every decision.

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Claims Processing

Settle insurance claims faster - from first notice of loss to payout.

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Billing & Payments

Fully automated invoicing, collections and payments.

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Document Generator

Branded policy documents, generated automatically.

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AI Reporting & Custom Dashboards

Customizable insurance dashboards and data analytics in plain English.

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Bordereaux

Delegated authority reporting your carriers accept.

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Team Collaboration

Chat, tasks and notifications - right on the record.

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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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