AI-first B2B insurtech

Mission-Critical Platforms for Asia's Insurance.

Distribution, underwriting, policy admin, claims, and servicing all running on the same layer. Our products are built to connect the systems you already run, enabling you to manage your entire operation from one place.

The insurance value chain
Distribution
Underwriting
Policy admin
Claims
Servicing
The InsureFlow products, in market
MicroFlowLive
Vietnam Indonesia Philippines
ClaimFlowLive
Vietnam Indonesia Philippines
UnderwriteFlow · PolicyFlow · ServeFlowPlanned
Standards enabled
InsureFlow the AI-native insurance backbone every product runs on Open Insurance StandardsCountry-specific Adaptation

InsureFlow, live across Southeast Asia and built on open standards

In production across Southeast Asia

Vingroup VinFast Green SM BeeVN
Two products live in production Ten insurers on the Vietnam panel Three markets across Southeast Asia See what we run →
The problem

Asia's insurance industry runs on systems that were never built to synergise.

Three structural obstacles exist between carriers, channels and partners from operating as one system.

A fragmented technology landscape

Core systems and distribution channels were each built well for their own job, in an era before they had to talk to each other.

Connecting them to each other is now the work

No shared standard between systems

Data models and interfaces differ carrier to carrier, and an open standard only pays off when both ends of an exchange use the same one.

Every new connection is specified from scratch

No single view of a whole claim

When a claim comes in, there are multiple systems running: each accountable to its own job and invisible to the others.

Every party can see its own step; seeing the whole is a separate job
Read the post: closing Asia's insurance gaps →
The platform

One insurance backbone, built to connect the gaps.

A carrier runs distribution, underwriting, policy admin, claims and servicing on systems designed for each of those jobs specifically.

InsureFlow is designed to synergise between all these systems and operate as a single ecosystem. It complies with open insurance standards with a market profile per market, and an AI delivery platform beneath both.

InsureFlow is our insurance domain. TrisilvaOS is our AI engine that runs it. Together, they are a robust backbone designed to support multi-region and multi-carrier operations.

How the platform works →
Products
MicroFlow, ClaimFlow, and the InsureFlow familyThe outcomes buyers run in production
DistributionUnderwritingPolicy adminClaimsServicing
↓
InsureFlow
The insurance-domain platformCloses the fragmentation gap: one adapter library, one data model
OPIN APILegacy AdaptorsMulti-tenancyMulti-channelMulti-market
↓
Insurance standards
Open Insurance Standards, Trisilva-authored market profilesCloses the standards gap: the data model a carrier builds against is one they keep
OPIN Data ModelsCountry-specific Adaptation
↓
TrisilvaOS
The AI delivery platform underneath every productRuns work end to end, even across partners at different stages of digitisation
Agent orchestrationMethodology engineAI model & knowledgeSecurity & observability
Why Trisilva

Built for Asia's insurance industry.

Open insurance standards

Built on OPIN, the open insurance standard, with a market profile per market we author and keep open. The data model a carrier builds against is one they keep.

Deep technology capability

Insurance-calibrated AI, cloud, integration and middle-office engineering, built for how carriers actually operate. A claim is triaged, documented and routed before an adjuster opens it.

A track record in transformation

A team that has led enterprise digital transformation at scale across Asian banking and insurance, now building only for insurers. Ten in Vietnam are integrating with ClaimFlow.

What runs on it

Two products, live in the market today.

MicroFlow · Distribution

Bring a policy straight to the customer.

A customer buys coverage when they book a trip or place an order. Every sale reaches the right insurer, priced and issued immediately.

  • Multi-insurer routing with quota caps and allocation rules
  • Near-instant issuance embedded in mobility and super-app channels
  • Real-time reconciliation and period close
Explore MicroFlow →
Underwritten by
PVIOona
microflow.trisilva.ai
MicroFlowOverview
Search⌘K 2
Distribution overview
★Vietnam Indonesia Philippines
Updated 2m ago February 2026
Premium in force
$43.2M
+6.4% MoM
Policies
517,593
+12% MoM
Issue time
0.4s
median, quote to bind
Loss ratio
18.4%
accident lines
Payouts due
$1.02M
12 disputed
Attach rate
~99%
embedded
Premium by marketshare of in force
★VN93%
ID6%
PHpending
Channel mixby policy count
4
channels
Driver PA · annual46%
Rider health · annual24%
Trip · per journey22%
Parcel · per order8%
Per policyblended
Annual premium2.17M đ
Cover limit120M đ
Routing and allocationquota caps
Carrier A · VN · Driver PA62%
Carrier B · ID · Driver PA88% ▲
Carrier A · VN · Trip41%
Recent issuancelast 5 min
09:42Driver PA · Hà Nội3.45M đ
09:42Rider health · HCMC2.40M đ
09:41Trip · Đà Nẵng40K đ
09:41Driver PA · JakartaRp 2.14M
09:40Parcel · Cần Thơ12K đ
09:40Rider health · SurabayaRp 1.48M
Reconciliation7-day
99.2%
Matched
within SLA
>99% target
Disputed12
Unresolved3
Matched automatically96.4%
Matched after review2.8%
Period closeFebruary
Ready in 2 days86%
Carrier statements in11 of 12
Commission runs signed off4 of 4

MicroFlow distribution cockpit. Illustrative interface; the figures are constructed and are not drawn from a live account.

ClaimFlow · Claims operations

Every claim, first notice of loss to settlement.

An adjuster opens a file already scored for severity, matched to policy and coverage, and routed to the right queue.

  • AI severity triage and an adjuster co-pilot on every claim
  • Supplier orchestration against a real-time SLA clock
  • Cycle time built to reach 11 days, from 44
Explore ClaimFlow →
The Vietnam insurer panel
PVIMICPJICOBSHDBV InsuranceVBIBảo ViệtPTIBảo MinhLPBank Insurance PVIMICPJICOBSHDBV InsuranceVBIBảo ViệtPTIBảo MinhLPBank Insurance
claimflow.trisilva.ai
ClaimFlowOverview
Search⌘K 3
Operations overview
NationwideNorthCentralSouth
Live · 60s February 2026
On-time rate
94.2%
above target
Breach rate
5.8%
within target
Return time
11.3d
down from 44d
Open claims
4,712
14 service centres
Unmatched
23
4 over 24h
Claims value
512Bđ
MTD · VND
Priority queue1 breached · 3 at risk
VF 8 · Rear collision
CLM-24187 · Carrier A · 180M đ
12m overdue
VF 9 · Flood damage
CLM-24191 · Carrier B · 240M đ
18m left
VF e34 · Windscreen
CLM-24203 · Carrier C · 65M đ
42m left
VF 5 · Side impact
CLM-24210 · Carrier D · 40M đ
1h 10m left
VF 6 · Minor dent
CLM-24226 · Carrier E · 12M đ
3h left
VF 3 · Bumper scrape
CLM-24231 · Carrier F · 35M đ
4h 20m left
SLA breach by touchpointinsurer × step
Notify
Approve
Pay
Match
Carrier B
5.6
8.2
4.1
3.4
Carrier D
4.8
7.1
3.0
2.1
Carrier A
3.1
6.4
2.0
1.2
Carrier C
2.2
3.9
1.5
0.8
Carrier F
2.6
3.4
1.8
0.9
Carrier E
1.9
2.8
1.0
0.5
Avg cycle time44d → 11d · 12 mo
Mar 2025Feb 2026
Insurer scorecardshare · on-time
Carrier A30%92%
Carrier C23%96%
Carrier D14%91%
Carrier E12%97%
Others21%96%
Unmatched claimsneeds review
No claim filed in 24h14
Multiple policy matches6
Certificate not found3

ClaimFlow operations command centre. Illustrative interface; the figures are constructed and are not drawn from a live account.

Run the whole operation on a suite built for insurance.

Tell us what you run today. We will show you what it looks like on InsureFlow.

Singapore · Vietnam · Indonesia · Philippines