CLAPi© Platform · Embedded Insurance

Insurance, Sold Where
Your Customers Already Are.

CLAPi© is EnoviQ's cloud-native, API-ready middleware that plugs insurance into any retail, digital, or partner touchpoint — no core rebuild required. One integration, and your customers can buy real policies from inside the app, site, or storefront they're already using.


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The Core Idea

One Middleware. Every Distribution Point.

CLAPi© sits at the centre, configured once with your product model, then integrates outward —
to customer engagement channels, insurer policy admin systems, and content platforms — over API.
Your partners never touch the insurer's core, they touch CLAPi©.

Retail POS
policy registration
Digital / Mobile
claims submission
CLAPi©
Central Middleware
Insurer PAS
back-end processing
Notifications
policy + product offers
Microsite
upsell + analytics
Retail POSpolicy registration
Digital / Mobileclaims submission
↓
CLAPi©central middleware
↓
Insurer PASback-end processing
Notificationspolicy + product offers
Micrositeupsell + analytics
retail & digital touchpoints  →  CLAPi© middleware  →  insurer core, notifications & microsite
Buyer journeys

Three ways to close the sale,
none of them a new app.

Whether a customer buys on their own or a relationship manager assists them in the moment,
CLAPi© routes every path back through the same product, pricing, and policy logic.

Direct Weblink
The RM sends a purchase link straight to the customer's inbox, so they can complete the buy on their own device.
QR Code
The customer scans a code on the RM's screen and lands directly on the plan selection page.
Payment Link
The RM pre-selects the plan and sends a payment link, so the customer only has to pay.
Who's in the loop

Six roles,
one shared system.

Embedded insurance touches more than the buyer.
CLAPi© gives each of these end users their own view into the same policy, in real time.

Customer
Buys the policy, whether on their own through a partner app or with an RM's help, and later manages claims from the same link.
Relationship
Manager
Assists the customer in the moment — sharing a weblink, showing a QR code, or sending a payment link to close the sale.
Partner /
Retailer
Embeds CLAPi©'s product catalogue into their own app, site, or storefront — the retailer, telco, or e-commerce platform the customer already trusts.
Broker
Places business across multiple insurers through CLAPi©, quoting and issuing on behalf of clients without a separate login for each carrier.
Bank
Cross-sells bancassurance products at account opening or loan disbursal, with CLAPi© handling the policy behind the bank's own screens.
Insurer
Operations
Runs product setup, underwriting rules, and policy servicing on the back end, with CLAPi© as the API layer into their PAS.
Onboarding & entities

Bring partners on board
without opening a ticket.

Every retailer, agent, broker, and distribution channel is set up and mapped to specific products inside CLAPi© —
so a new partner can start selling in days, not quarters.

→
Partner Onboarding
Bring on partners, agents, and brokers, and connect them to product offerings across any line of business.
→
Product Mapping
Map each partner to the specific products they're licensed to distribute, so the right plan reaches the right shelf.
→
Profile Visibility
See every partner, agent, and broker's profile in one place, ready to search and review at any time.
Customer
Policy Holder, Claimant
Partner
Retailer, Telco, E-commerce App
Distribution Channel
Agent, Broker, RM, Microsite
Product Mapping
Plan, Coverage, Benefit Limits
Built API-first

Every workflow in CLAPi©
is an endpoint.

Product setup, rules, entities, policy servicing, and finance are all exposed as REST APIs —
the same ones CLAPi©'s own portals call. Plug them into your app directly.

Everything a partner integration needs, already exposed.

→
Product & rules
Create, copy, and configure products, plans, coverages, and underwriting rules.
→
Entities
Manage clients, intermediaries, surveyors, reinsurers, and TPAs.
→
Servicing
Handle endorsements, upgrades, cancellations, and reversals in one call.
→
Finance
Post receipts, invoices, journal entries, and commission payouts.
clapi_core / sample_endpoints
POST coreapi/api/Product/Product create & fetch product
GET coreapi/api/Product/Scheme fetch product plan
POST coreapi/api/Product/ProductCoverage map coverage limits
POST /api/Entity/Client add / modify client
POST /api/Policy/Endorsement endorsements
POST /api/PolicyRules/PremiumCalculation calculate premium
GET coreapi/api/Output/PolicyDocument fetch policy documents
Why EnoviQ

Insurance domain depth, delivered as software.

EnoviQ has been building insurance core systems since 2019 — embedded insurance is CLAPi© applying that same rigor to any customer touchpoint you choose.

Domain Expertise
A team with a proven record building and servicing health, life, accident, and P&C insurance in domestic and international markets.
Digital Transformation
Every business process is mapped to a system process — the "golden handshake" between insurance operations and technology.
Cloud Availability
Cloud-agnostic architecture, deployed on AWS, Microsoft Azure, and InsureMO — scalable and secure wherever you operate.
Global Reach
Offices in Singapore, Hong Kong, and India, with CLAPi© live across 14+ installations for global P&C and health carriers.

See CLAPi© Embedded In
A Real Customer Journey.

We'll map your product to a live demo, sandbox integration, and rollout timeline —
built around your partners, not a generic pitch.

Let's Get Your Project Started!

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