Instly / Technologies
The Instly Engine models each insurer's real pricing logic — its own products, rules and calculations — and normalises every result into one common structure. One secure request in. One accurate quote out. Whether you use one insurer or the entire market.
This is not a roadmap: the Engine is live today, powering Instly Quote, where one request returns a normalised, ranked comparison across every insurer engine in under two seconds.
You cannot solve dynamic insurance pricing with a static lookup table. Every quote depends on age, nationality, residence, health, family structure, coverage, zone, deductible and currency — each interacting differently across dozens of insurers. Multiply those variables together and you get millions of possible pricing outcomes, constantly changing beneath the surface.
For years the industry managed this with rate sheets and manually maintained tools: difficult to build, expensive to operate and outdated almost immediately. When an insurer changed rates, benefits, zones or eligibility rules, someone had to update the system by hand — and one missed change could produce a wrong quote. And because every insurer structures its products differently, nothing lined up: without normalising everything into one structure, you are not comparing like with like.
Insurer data arrives in different formats, structures and currencies, and most carriers do not provide a usable real-time pricing API. So we build one around each insurer, from its own source documents:
Read the insurer's source data, whatever form it arrives in.
Map every product field onto the common structure.
Model the insurer's own rules and calculations.
Check the engine's output before it is used.
Return every result in one consistent format.
The source data is different for every insurer. The output is always consistent. And we maintain each engine as products and pricing change, so your integration does not have to.
Turn rate sheets and underwriting rules into a secure, branded quoting API for your brokers, partners, websites and internal teams. Faster distribution, fewer errors, easier integration.
Connect any combination of normalised insurer engines, compare products like for like, and apply your own recommendation logic — ranked using your rules, not simply the cheapest price. You choose the insurers, you control the ranking, you own the journey.
We have off-the-shelf products, and we customise them for customers in financial services and insurance. That includes building APIs and MCP servers. An API lets your own systems — your website, CRM or partner portals — quote from your pricing. An MCP server lets AI agents use it directly as a tool: Claude, ChatGPT, Cursor or your own agent can price plans and read the cover without a human copying numbers between screens.
Every Voluntary Health Insurance Scheme plan in Hong Kong: 579 certified plans from 33 insurers, real premiums and every insurer's premium increases since 2021. Its MCP server lets any AI agent price the plans directly.
Visit vhishongkong.com ↗Compare 20+ international health insurers in one conversation — Nomi ranks the whole market on real price and explains the cover in plain English.
Visit ipmicompare.com ↗International health insurance for expats and digital nomads: quotes from 14 insurers, prices for 176 countries, cost guides and visa insurance rules.
Visit healthinomad.com ↗Health insurance in Thailand compared across nine insurers — real premiums from the insurers' own rate tables, benefit schedules line by line.
Visit helloprakan.com ↗Cogotec, Bangkok: compares international insurers, designs the right cover and supports it through renewals and claims.
Visit cogotec.com ↗AI can read insurance data. We make it usable. AI is the interface; the structured insurance data beneath it is the infrastructure. The Engine is the first of three instruments in one stack — Sage runs the operation and Nomi looks after the client.
Put your products in the Engine. We turn your rate sheets and underwriting rules into a branded quoting API — and maintain it as your products change.
More answers on pricing, normalisation and aggregators in the FAQ.