Insurance | HCLTech


Customer expectations of faster, hyper-personalized, and assisted self-services have spiraled to new heights in this era of digital adoption. New business models are democratizing innovation in the industry and insuretechs are upending yesterday’s success strategies with value added services and disrupting businesses across the insurance value chain.

While carriers are grappling with the potentially conflicting needs of reducing tech debt / managing legacy ecosystems while enabling the new business models, many of the core technologies have matured to support this need.

HCLTech has defined a set of capabilities needed to manage this new paradigm through the “Insurer of the future” construct. This is enabled by HCLTech’s insurance offerings consisting of IP/products along with the insuretech partner ecosystem.

HCLTech Insurance Solutions


A best-of-breed, micro-offering-based suite to address efficiencies, insights-driven decisions, and reduce claims leakage.

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Core PAS

A suite of offerings to address intelligent automation, personalization, pricing, and core systems transformation.

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Enabling Functions

Offering suite to support distribution needs around hierarchy, performance management, compensation, financials, and sales.

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Surround Systems

Offering suite to support enterprise data strategy, IOT ecosystem, illustrations, and billing.

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HCLTech Services

Core Systems

Implementation, upgrades, maintenance, and modernization of legacy core systems.

Intelligent Automation

Enable end-to-end process automation through unstructured intake, process orchestration, AI/ML, digital experience, and RPA solutions.


Portfolio migration solutions covering core systems as well as surround systems.

Data and Insights

Enabling an enterprise data strategy, implementing cloud-based solutions, AI/ML use cases, and compliance for insurance.

Business Operations

Enable an effective, insights-driven operations across the insurance life cycle.




White Papers

White Papers