Questions about insurance technology, AI agents and how Instly works.

International Private Medical Insurance (IPMI) provides health coverage for people living or working outside their home country. Unlike domestic health insurance, IPMI covers treatment across multiple countries and is designed for expatriates, international workers and globally mobile individuals. Plans typically include inpatient, outpatient, dental and vision cover, with area of cover ranging from regional to worldwide.

An Insurance Product Information Document (IPID) is a standardised summary that insurers must provide before a policy is sold. It covers what is insured, what is not insured, restrictions, where you are covered, obligations, when and how to cancel, and the start and end of cover. It is a regulatory requirement under EU insurance distribution rules and is designed to allow customers to compare products like for like.

Area of cover defines the geographic territories where your health insurance is valid. Common areas include Worldwide (including USA), Worldwide (excluding USA), Europe, Asia Pacific and regional zones. The USA exclusion significantly reduces premiums because US healthcare costs are substantially higher than other markets. Most IPMI plans allow you to choose your area of cover based on where you live, work and travel.

A deductible (also called an excess) is the amount you pay towards a claim before your insurance covers the remainder. A higher deductible reduces your premium but increases your out-of-pocket cost when you claim. Deductibles can apply per claim, per condition or per policy year depending on the plan structure.

Co-insurance is a cost-sharing arrangement where you pay a percentage of each claim and your insurer pays the remainder. For example, an 80/20 co-insurance split means your insurer pays 80% of covered costs and you pay 20%, up to a maximum out-of-pocket limit. Co-insurance is different from a deductible — it applies after the deductible has been met.

Inpatient cover applies when you are admitted to hospital and occupy a bed overnight or for a day procedure. Outpatient cover applies to consultations, diagnostics and treatments that do not require hospital admission — GP visits, specialist consultations, physiotherapy and diagnostic tests. Most IPMI plans include inpatient cover as standard, with outpatient cover as an optional add-on that increases the premium.

A pre-existing condition is any illness, injury or medical condition that existed before the start of your insurance policy. Insurers handle pre-existing conditions differently — some exclude them permanently, some apply a waiting period, and some offer full medical underwriting where conditions are assessed individually. Moratorium underwriting is common in IPMI and typically excludes conditions that existed in the two to five years before the policy start.

Insurance rate normalisation is the process of converting insurer pricing data from its original format — rate sheets, PDFs, spreadsheets — into a consistent, queryable structure. Different insurers structure their data differently. Normalisation maps all of them to a common schema so that plans from different insurers can be compared accurately and quoted consistently through a single API.

Most quote tools load insurer rate sheets manually and store them statically. When an insurer changes a rate, adds a plan or updates eligibility rules, the tool is not automatically updated — someone has to reload the data manually. This rarely happens immediately, so tools quietly serve incorrect quotes until the discrepancy is noticed. Instly Engine solves this by maintaining each insurer engine continuously as the source data changes.

A pricing configuration is a unique combination of plan variables that produces a distinct premium. For a single insurer, this might include plan tier, area of cover, deductible level, co-insurance percentage, module selection and currency. A single marketing plan can expand into thousands of distinct pricing configurations once all variable combinations are accounted for. Instly Engine currently maintains 71,400 full pricing configurations across 22 insurers.

An insurance aggregator connects to multiple insurer pricing engines and returns ranked results from across the market in a single query. Unlike a comparison website that displays static data, a real aggregator queries live, normalised pricing APIs and compares results on a like-for-like basis. Instly Engine operates as both a standalone insurer API and a market-wide aggregator.

Remote photoplethysmography (rPPG) is a technique that uses a standard camera to detect changes in skin colour caused by blood volume changes with each heartbeat. By analysing these subtle colour variations across the face, rPPG algorithms can extract heart rate, heart rate variability and respiration rate without any physical contact or wearable device. Instly Vita uses rPPG to deliver a 60-second contactless vital signs scan from a smartphone or laptop camera.

A chatbot follows predefined scripts and responds to keywords. An AI agent uses a large language model to understand context, reason about the question and generate relevant responses — it can handle novel questions that were not anticipated at build time. In insurance, an AI agent trained on policy documents, benefit schedules and underwriting rules can answer accurately across the full range of questions a client might ask, not just the ones the developer thought of.

A white-label AI agent is an AI assistant that is configured and branded for a specific business — using their name, their products, their tone and their knowledge base — rather than appearing as a generic or third-party tool. Clients interact with the agent as if it were a member of the business's own team. Instly Agents and Nomi are both white-label AI agents.

RunYourDay is Instly's WhatsApp operator module. It deploys an AI agent on a dedicated WhatsApp number, allowing businesses to manage customer enquiries, pipeline updates and operational tasks through WhatsApp conversations. The agent handles inbound messages autonomously and flags items that require human review.

AI-native means a product was designed from the ground up with AI at its core — not a traditional software system with an AI feature added later. In an AI-native CRM, for example, the AI agent does not assist the user interface — it is the user interface. Sage in Instly CRM is AI-native: the entire brokerage operation runs through a WhatsApp conversation with an AI agent.

Instly Engine is a fleet of normalised insurance pricing APIs — one dedicated engine per insurer — connected behind a single aggregator layer. It ingests insurer rate sheets, benefit schedules and eligibility rules, normalises them into a common schema and serves accurate quotes through a standardised API. It currently covers 22 insurers, 4,550 plan permutations and 71,400 full pricing configurations.

Instly CRM is an insurance brokerage operating system powered by Sage, an AI agent that runs on WhatsApp. Brokers manage their pipeline, renewals, commissions and client communication through WhatsApp conversations with Sage — no new interface to learn. Sage drafts emails, books meetings, parses commission statements and answers pipeline queries, always previewing actions before executing them.

Nomi is a white-label AI agent designed for insurance brokers and insurers. It embeds on any website with a single line of code and handles client queries across coverage, claims, hospital finding and new enquiries — using the broker's own insurer panel, products and branding. Nomi is available as a chat or voice interface and operates 24 hours a day.

Instly Pay is a cashless claims settlement system for insurance. A member declares a treatment through the iOS or Android app, eligibility is confirmed instantly, and a prepaid card is loaded with exactly the right amount — scoped to that treatment and expiring in 24 hours. The member pays the provider directly at point of care with no upfront out-of-pocket cost.

Instly Vita is a contactless vital signs engine that uses a smartphone or laptop camera to estimate heart rate, heart rate variability (RMSSD) and respiration rate from a 60-second face scan. It uses remote photoplethysmography (rPPG) and returns each metric with a confidence score. It does not claim to measure blood pressure, SpO2 or other metrics that require different hardware.

Takumi is an AI-powered fund intelligence platform for Asia-focused investment managers. It monitors FSA filings, calculates merger arbitrage spreads, tracks ADR pairs and generates morning briefings automatically every night. It is built as technology for the fund — not a fund manager or financial adviser — and produces analysis and intelligence, not investment advice.

Ubi is an AI sports performance intelligence platform for schools, academies and performance programmes. It benchmarks athletes across five performance pillars — speed, power, strength, mobility and reaction — against peer-reviewed elite normative data, adjusted for age and gender. Each athlete receives an H-Score on a 1.0 to 4.0 scale and an AI-generated scouting narrative.

Chat with Sigma — our front-of-house AI agent — using the button in the bottom right corner of this page. Sigma can answer questions about our products, help identify the right solution for your needs and book a meeting with the team directly. Alternatively email us at info@instlytechnologies.com with a brief description of what you are trying to build or solve. We respond within one business day.

Instly Technologies was founded by Mo Buglow, who has spent 25 years inside international health insurance, finance and sport. The products are built from direct operational experience — not from the outside looking in. Alan Westhead, formerly a director at WTW with over 30 years in international health insurance, serves as senior adviser to the business. Anthropic-certified across Claude, Claude Code and MCP. Registered in Estonia, operating from Asia.

Instly Technologies OÜ is registered in Estonia and operates across Asia, with team members in Thailand, Hong Kong and the United Kingdom.

Yes. Instly is Anthropic-certified across Claude, Claude Code and MCP. Anthropic's Claude models power the AI layer across Instly's products — including Nomi, Sage, Takumi, Ubi and the Sigma front-of-house agent. Instly also integrates OpenAI, Gemini and Perplexity for specific use cases, particularly in the Alan investment research product.

Yes. Instly builds bespoke AI infrastructure for insurers, brokers, fund managers and other organisations with complex operational requirements. If your needs go beyond the standard product range, email info@instlytechnologies.com to discuss a custom engagement.

Instly Agents can be live within 24 hours of onboarding. A new insurer rate engine takes a maximum of two weeks depending on the complexity of the insurer's product range and data quality. Bespoke builds are scoped individually.