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FinTech · Insurance Apps

Insurance Mobile App Development Services in Ahmedabad

Raqbash provides insurance mobile app development services in Ahmedabad for insurers, brokers, corporate agents and their POSP networks: a customer app to compare, buy, renew and claim with photos and video, and an agent app for quotes, leads and renewals, connected to insurer systems.

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  • 4.9 rated in Ahmedabad on Google Reviews
  • In-house team in Ahmedabad
  • Last updated:
Years in business (since 2016)
10+
Clients across India
100+
Average client rating
4.9/5

Insurance app at a glance

Platforms
Customer and agent apps for iOS and Android, plus a claims and ops web panel
Typical cost
₹12–45 lakh, depending on scope
Typical timeline
12–18 weeks (Customer app) to 6–9 months (Insurance platform)
Compliance & security
Built for insurer or IRDAI-registered intermediary models, IRDAI disclosure and grievance practices, DPDP Act 2023 consent
Tech stack
React Native or Flutter, Node.js, PostgreSQL, insurer quote and policy APIs, Google Maps Platform
Location
Ahmedabad, Gujarat, India. Serving clients across India and worldwide.

Overview

Insurance App Development Company in Ahmedabad

An insurance app lets customers compare plans, buy and renew policies, keep documents and file claims from a phone, and gives agents a quick way to quote and follow up. Raqbash builds them for insurers and IRDAI-registered intermediaries such as brokers and corporate agents.

IRDAI registration, not the app, sets who may sell what. An insurer issues its own policies, a broker or corporate agent sells within its licence, and a POSP sells only simpler products. Claim decisions belong to the insurer. We design inside your model, and the app never implies a claim will be paid.

The app ecosystem

The Insurance App Ecosystem We Build

Three apps, each built around the moments a policy is actually used: purchase, renewal and claim.

  • Customer app

    For policyholders and their families.

    • Compare plans and buy
    • Renew with saved details
    • Store policies and health cards
    • File a claim with photos
    • Find network hospitals and garages

  • Agent & POSP app

    For agents, POSPs and relationship managers.

    • Quote in the customer's home
    • Share a payment link
    • Track leads and renewals due
    • See commission statements

  • Claims & ops panel

    For claims, underwriting and support staff.

    • Review inspection media
    • Assign surveyors
    • Update claim status
    • Resolve grievances

Key features

Key Features of an Insurance App

Customers judge an insurance app at purchase and at claim; these six features cover both.

  1. Compare and buy, with indicative premiums

    Plans side by side with cover, exclusions and an indicative premium from insurer APIs; underwriting sets the final figure.

  2. Renewals before they lapse

    Push, SMS and WhatsApp reminders, then renewal in two taps with saved details and the insurer's updated premium.

  3. Claims with photos, documents and status

    Customers file with photos, bills and video. Status comes from the insurer or TPA, never from guesswork.

  4. Motor self-inspection

    Guided capture of each angle, stamped with time and location, so a lapsed car policy can be inspected without a visit.

  5. Network hospitals and garages nearby

    Cashless hospitals and garages near the customer, with directions and the documents to carry.

  6. Agent quotes and lead tracking

    Agents quote at the customer's table, share a payment link and see every renewal due across their book.

How it works

How a Customer Buys and Claims in Your App

A policy's life in the app has five moments, and the claim decides whether the customer renews.

  1. Step 1

    Compare plans

    Cover, exclusions and indicative premium.

  2. Step 2

    Proposal and KYC

    Details, CKYC and health questions.

  3. Step 3

    Pay and get the policy

    UPI or card; policy PDF in the app.

  4. Step 4

    Renew on time

    Reminders and two-tap renewal.

  5. Step 5

    Claim and track

    Photos, documents and live status.

Security & compliance

Security & Compliance for Insurance Apps

Insurance apps hold health, vehicle and identity data, so access follows roles, inspection media is protected and every claim action is logged.

  • Health data protected

    Medical details encrypted, visible only to claims staff who need them, and kept out of notifications.

  • Tamper-evident inspection media

    Captured inside the app only, stamped with time, location and device; gallery uploads blocked.

  • Disclosures before payment

    Exclusions, waiting periods and free-look terms shown and acknowledged before the customer pays.
  • Role-based access for agents and staff
  • Masked Aadhaar and PAN on every screen
  • Certificate pinning on insurer APIs
  • Grievance contact on every policy screen

Cost & timeline

Insurance App Development Cost

An insurance customer app typically costs ₹12–20 lakh; adding an agent and POSP app, motor self-inspection and a claims panel takes it to ₹24–45 lakh.

  • Most common starting point

    Customer app

    ₹12–20 lakh

    12–18 weeks

    An insurer or broker starting with renewals and claims.

    • Customer app for iOS and Android
    • Policy vault and renewals
    • Claim intake and status
    • Ops panel

  • Insurance platform

    ₹24–45 lakh

    6–9 months

    Intermediaries with agent and POSP networks.

    • Agent and POSP app
    • Quote and buy across insurers
    • Motor self-inspection
    • Claims panel

What moves the cost of an insurance app

  • Insurer integrations

    Each insurer's quote and policy API differs in shape and quality.

  • Product lines

    Motor, health and life each need their own proposal forms.

  • Claims depth

    Intake alone is quick; surveyor and TPA workflows add weeks.

  • Agent network

    POSP onboarding and commission statements mean a second app.

Indicative ranges from Raqbash projects in Ahmedabad, excluding store fees, cloud usage and support. Not a quote. See Mobile app development cost in Ahmedabad for how the bands are built.

Technologies & integrations

Insurance App Technologies & Integrations

The camera and the insurer APIs matter most; both get tested on real phones and real sandboxes.

Mobile

  • React Native
  • Flutter
  • Kotlin
  • Swift
  • CameraX

Backend & cloud

  • Node.js
  • PostgreSQL
  • Encrypted media storage
  • AWS India region

Insurance integrations

  • Insurer quote and policy APIs
  • TPA claim status feeds
  • CKYC providers
  • DigiLocker
  • Razorpay
  • Google Maps Platform
  • WhatsApp Business API

Why Raqbash

Why Insurers and Brokers Choose Raqbash

Insurers and brokers choose us because we have built policy, claims and renewal workflows before.

  • We have built insurance management

    Our insurance management platform work covers issuance, claims intake and renewal reminders.

  • Capture tested in bad light

    Inspection flows checked in sunlight, basements and at night.

  • Agent app for budget phones

    Runs well on low-cost Androids with patchy data.

  • Gujarati and Hindi summaries

    Key terms in the customer's language, with the insurer's full wording kept.

Related work from our portfolio

How we deliver

How we build and launch your insurance app

Insurance projects follow our six steps, with each insurer's API tested in its sandbox before we fix the quote.

  1. Step 01

    Discover & Scope

    Written scope, screen list and fixed estimate

  2. Step 02

    UX & Clickable Prototype

    Clickable prototype you can test on a phone

  3. Step 03

    Agile Build (2-week sprints)

    A working build to install every sprint

  4. Step 04

    QA, Security & Real-Device Testing

    Test report across real Android and iOS devices

  5. Step 05

    App Store & Play Store Launch

    Live store listings under your developer accounts

  6. Step 06

    Support, Analytics & Growth

    Monthly crash, usage and release report

FAQ

Insurance Mobile App Development Services in Ahmedabad: FAQs

Practical answers for teams planning an insurance app.

Can we sell policies in the app if we are not an insurer?

Yes, if you hold the right IRDAI registration, such as broker or corporate agent, or partner with an intermediary that does. The app then shows your registration details and the insurers you represent, and the insurer issues each policy. Your compliance team confirms what your licence allows; Raqbash holds no IRDAI registration.

Can POSPs use the agent app?

Yes. POSPs log in with their own credentials and see only the products your rules allow, which for POSPs are limited to simpler, pre-underwritten products. They quote, share payment links and track renewals. Your team handles POSP onboarding and certification in the ops panel, and the app enforces the product list.

Will the app approve or settle claims?

No. Claim decisions belong to the insurer or its TPA. The app collects the claim, photos, bills and video in a structured form, shows status as the insurer updates it, and asks the customer for anything missing. That speeds up the paperwork, but it never promises an outcome, an amount or a settlement time.

How does motor self-inspection work in the app?

The customer opens a guided camera that asks for each angle in turn, such as front, sides, odometer and chassis number. Photos and video carry time, location and device stamps, and gallery uploads are blocked. Your inspection team reviews them in the panel. Whether self-inspection is accepted for a case is the insurer's call.

Can the app fetch quotes from several insurers?

Yes, through each insurer's quote and policy APIs, where your agreements allow it. We normalise the responses so plans compare fairly on cover, exclusions and indicative premium. Insurer APIs differ widely in speed and detail, so we test each one during scoping and show a clear message whenever a quote is unavailable.

Can renewal reminders go out on WhatsApp?

Yes, using approved WhatsApp Business templates alongside push notifications and SMS. Reminders typically start 30 days before expiry and repeat at intervals you choose. Each message opens the renewal screen with saved details, and customers can turn WhatsApp messages off at any time from settings, so consent stays in their hands.

How much does an insurance app cost and how long does it take?

Typically ₹12–20 lakh over 12–18 weeks for a customer app with policy vault, renewals and claim intake. A platform with an agent and POSP app, multi-insurer quotes, motor self-inspection and a claims panel usually costs ₹24–45 lakh over 6–9 months. You get a fixed quote once we have tested the insurer APIs.

Start your insurance app project with Raqbash

Share your registration, product lines and the insurers you work with. We will send a written scope and a fixed quote for insurance mobile app development services in Ahmedabad.

Get a Free App Consultation+91 97730 66237WhatsApp us

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