Instly / Technologies
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, your obligations, when and how to cancel, and the start and end of cover. It is a requirement under EU insurance distribution rules and is designed to let customers compare products like for like.
Area of cover defines the territories where your health insurance is valid. Common areas include Worldwide (including USA), Worldwide (excluding USA), Europe, Asia Pacific and regional zones. Excluding the USA significantly reduces premiums because US healthcare costs are substantially higher than other markets. Most IPMI plans let you choose an 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.
Co-insurance is a cost-sharing arrangement where you pay a percentage of each claim and your insurer pays the rest. With an 80/20 split, for example, 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 treatment that do not need 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 your policy started. Insurers handle them differently: some exclude them permanently, some apply a waiting period, and some assess each condition individually under full medical underwriting. Moratorium underwriting is common in IPMI and typically excludes conditions that existed in the two to five years before the policy start.
Rate normalisation is the process of converting insurer pricing data from its original format (rate sheets, PDFs, spreadsheets) into a consistent, queryable structure. Every insurer structures its data differently. Normalisation maps them all to a common schema, so plans from different insurers can be compared accurately and quoted consistently through a single API.
Most quote tools load insurer rate sheets by hand and store them statically. When an insurer changes a rate, adds a plan or updates its eligibility rules, someone has to reload the data, and that rarely happens straight away, so the tool quietly serves wrong quotes until somebody notices. Instly's Engine runs a dedicated pricing engine per insurer and maintains it as the insurer's products change.
Every quote depends on age, nationality, residence, health, family structure, coverage, zone, deductible and currency, and each of those interacts differently across dozens of insurers. Multiply the variables together and you don't get a lookup table: you get millions of possible pricing outcomes, constantly changing beneath the surface. That is why the Engine models each insurer's real pricing logic instead of storing a table.
A pricing configuration is a unique combination of plan variables that produces a distinct premium: plan tier, area of cover, deductible, co-insurance, optional modules and currency, for example. One marketing plan can expand into thousands of configurations once every combination is counted. Instly's Engine currently models 6,200 plans and 120,200 pricing configurations across 32 insurers, with over 536,000 localised price points.
An insurance aggregator connects to many insurer pricing engines and returns ranked results from across the market in a single query. Unlike a comparison site that displays static data, a real aggregator queries live, normalised pricing and compares plans like for like. Instly's Engine is deployed both ways: as a branded API for a single insurer, or as a multi-insurer comparison layer for brokers and platforms.
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 write a relevant answer, so it can handle questions nobody anticipated when it was built. In insurance, an agent grounded in policy documents, benefit schedules and underwriting rules can answer accurately across the full range of questions a client asks, not just the ones the developer thought of.
A white-label AI agent is an AI assistant configured and branded for one business, using its name, its products, its tone and its knowledge, rather than appearing as a generic third-party tool. Clients talk to it as if it were part of the business's own team. Nomi is Instly's white-label AI agent for insurers and brokers.
AI-native means a product was designed from the ground up with AI at its core, not a traditional system with an AI feature added later. In an AI-native operation the agent is the interface rather than a helper inside one. Sage works this way: the brokerage desk runs through WhatsApp conversations with an AI agent, not through another dashboard.
Yes, and the system doesn't need replacing. Instly maps what a policy-admin system, CRM or back office already holds (clients, policies, products, documents) into one structure AI can work with, then puts an AI interface on top: in WhatsApp, on your website or inside the tools your team already uses. The AI reads freely and drafts; anything that changes a record or leaves the building goes through your existing approval flow.
Remote photoplethysmography (rPPG) uses an ordinary camera to detect the tiny changes in skin colour caused by blood volume changing with each heartbeat. Analysing those changes across the face gives heart rate, heart rate variability and breathing rate without any contact or wearable. Instly Vita uses rPPG for a 30-second camera wellness check.
The Engine is a dedicated pricing engine per insurer, normalised into one standard pricing API. It covers 32 insurers (23 international and 9 Thai), 6,200 plans, 120,200 pricing configurations and over 536,000 localised price points. One request goes in and a ranked quote comes out, typically in under two seconds. Insurers can put their products in the Engine as a branded quoting API for their brokers, partners and internal teams.
Instly Quote (instlyquote.com) is the AI operating system for international health insurance: the quote engine, Nomi, CRM, Sage, group quotes and policy hub on one architecture, live in production.
Sage is operations automation over WhatsApp and CRM. Leads, renewals, updates and pipeline management are handled where brokers already work, not in another dashboard nobody opens.
Nomi is 24/7 AI client support for insurers and brokers. It answers coverage questions, finds hospitals and explains claims, embedded on your website and speaking in your brand's voice, by chat or by voice. The orb on this site is Nomi.
Instly Scout (instlyscout.com) measures how ChatGPT, Perplexity, Gemini and Claude answer the questions your buyers actually ask, then does the work to get your brand named and proves it moved. A human approves every publish.
Instly Wallet (instlywallet.com) issues branded policy, membership and employee cards straight into Apple Wallet and Google Wallet. The cards are AI-designed, keep updating after issue, and need no app. It is built for insurers, brokers and banks.
Instly Vita (instlyvita.com) is a 30-second wellness check from your camera: pulse, heart rate variability and breathing, measured by rPPG, computed two independent ways and entirely on-device, with zero bytes of video uploaded. It is free for individuals and can be embedded by insurers, clinics and employers.
Takumi is a fund-intelligence operating system built for a single APAC quantamental fund. It reads Japanese regulatory filings, detects tender-offer and buyout events, monitors a 364-deal merger-arbitrage book and runs morning briefs. Every trade decision and outbound action stays behind a human gate: Instly builds the intelligence, and the fund makes the calls.
Not as a product line. Instly Labs is prototyping autonomous toys, using LiDAR, vision and autonomy, designed to help children interact with AI in a safe, controlled environment. The first prototype is Buddy, Zayn's AI companion. Instly's products are its insurance and AI software.
Instly Labs is where Instly prototypes autonomous toys that help children interact with AI safely. Its first prototype is Buddy: an AI companion built first for the founder's son, Zayn, that also drives the house as an autonomous security vehicle. Buddy moves on wheels, navigates by LiDAR, sees and speaks. Buddy V1 runs on NVIDIA Jetson Orin and Buddy V2 on NVIDIA Jetson NX; both prototypes are in build.
Build With AI by Mo is free, practical AI education in English and Thai, drawn from the products on this site: choosing the right AI, writing better prompts, building websites, creating automations and developing AI agents. There's no cost and no sign-up.
Talk to Nomi, the orb on this site, by text or voice, and it can hand you to the team on WhatsApp. Or email info@instlytechnologies.com with a short description of what you're trying to build or fix.
Instly Technologies was founded in July 2024 by Mo Buglow, its sole founder. He spent twenty-five years inside international health insurance, on the broking side, on the underwriting side, and as a long-term expat buying this cover himself.
Bangkok, Thailand. Instly Technologies is a trading name of Instly Co., Ltd., registration no. 0105567135903, at 139 Pan Road, Silom, Bang Rak, Bangkok 10500.
No. Instly builds the technology. It does not underwrite insurance, is not an insurance broker, and never contacts your clients.
Instly works across Anthropic (Claude), OpenAI, Gemini, Perplexity and Grok, choosing the model for the job. Nomi's text chat on this site runs on Claude; its voice runs on ElevenLabs. Instly is a member of Claude for Startups, NVIDIA Inception, ElevenLabs Grants, AWS Activate and Google for Startups. These are program memberships, not investment.
Still have a question? Ask Nomi, or email info@instlytechnologies.com.