In an industry traditionally weighed down by paperwork, long turnaround times, and complex underwriting, Go Digit Life Insurance is charting a very different course. Built as a 100% cloud-native insurer from day one, the company is using advanced digital infrastructure, AI, and automation to make life insurance faster, simpler, and more inclusive—at national scale.
At the heart of this transformation is a belief that technology is not just an enabler, but the primary growth engine.
“India’s diversity and geographic spread make it impossible to scale insurance meaningfully without end-to-end digital processes. From inception, we made a conscious choice to digitise the entire value chain and eliminate paper completely,” says Gopal Rao, Head of Technology, Go Digit Life Insurance.
Driving Deeper Penetration Through Fully Digital Onboarding
Go Digit Life’s paperless architecture has fundamentally changed how customers discover, buy, and manage life insurance. Policies can be purchased instantly via the company’s website or app, with premium calculations generated in real time using only basic customer inputs such as age and employment status.
This is backed by an Automated Underwriting and Routing system that processes applications at speed—instantly approving straightforward cases while intelligently routing complex profiles to human underwriters.
“Removing friction and adding speed are critical to improving insurance adoption. When customers can complete onboarding digitally without delays or documentation fatigue, insurance stops being intimidating and starts becoming accessible,” Rao explains.
The results are visible in scale and efficiency. In FY 2024–25, Go Digit Life served 6.7 million customers, more than doubling its gross written premium to ₹1,315.9 crore. Operational metrics tell a similar story—90% of underwriting decisions were completed within 17 hours, while KYC and policy issuance were finalised within 18 hours in H1 FY25–26.
AI at the Core of Scaling Trust and Speed
As volumes increased, Go Digit Life doubled down on AI-led automation and computer vision to strengthen trust, reduce fraud, and accelerate turnaround times across customer touchpoints.
Key innovations include Life User Declaration Videos, which use smart verification to ensure customer declarations match policy details, and Face Matching Technology that compares KYC images, profile photos, and live video captures to validate identity with high precision.
“Trust is non-negotiable in life insurance. AI and computer vision allow us to verify identity, authenticity, and intent at scale—without slowing down genuine customers,” says Rao.
The insurer has also deployed AI-driven document classification and forensic authenticity checks to detect tampering in KYC and claim documents, isolating fraud early while enabling faster approvals for legitimate cases.
“Our goal is to let technology do the heavy lifting—sorting documents, extracting insights, flagging anomalies—so human teams can focus where judgment truly matters,” he adds.
Reimagining Digital Claims for a Frictionless Experience
Claims are often the defining moment in a customer’s insurance journey, and Go Digit Life is aggressively modernising this critical workflow. The company is expanding its in-house AI and ML capabilities to enable greater straight-through processing and minimal human intervention.
Currently, intelligent models classify and extract data from claim documents instantly, reducing processing time. Over the next 12–18 months, the focus will shift to predictive analytics and intelligent decisioning, including complex claim scenarios.
“A claim is not just a transaction—it’s a moment of truth. Our investments are aimed at making claim settlement fast, transparent, and stress-free, powered by intelligent automation across the lifecycle,” Rao notes.
Building for the Next Wave of Customers
With a tech-first foundation, Go Digit Life is also targeting emerging and under-served demographics—younger customers, gig workers, self-employed individuals, women, and NRIs—through flexible and customisable products.
Products like Digit Glow Term Life leverage alternative credit parameters and simplified documentation to serve customers without traditional income proofs.
“One-size-fits-all insurance doesn’t work anymore. Technology allows customers to design coverage around their lives—through riders, payout flexibility, and premium structures that truly fit their realities,” says Rao.
For NRIs and women, simplified digital onboarding and remote servicing play a crucial role in addressing volatile incomes and cross-border needs.
Beyond Protection: Integrating Wellness into Life Insurance
Go Digit Life is also expanding the definition of life insurance by embedding digital wellness services and health partnerships into its offerings. Customers already have access to GP consultations, specialist discounts, mental wellness services, diagnostics, chronic care programs, senior care, fitness, nutrition, and women-specific health support.
“Life insurance can no longer be limited to a payout promise. By integrating wellness services, we’re actively supporting healthier lives while strengthening long-term customer relationships,” Rao explains.
Looking Ahead to 2026: From Digital to Intelligent Insurance
As a full-stack digital insurer with all technology built in-house, Go Digit Life is now preparing for the next phase—leveraging AI, automation, APIs, and eventually GenAI to accelerate underwriting, sharpen risk assessment, and launch new product formats faster.
“Our focus is not experimentation for the sake of it. We are building intelligent, scalable systems that make insurance simpler, smarter, and more human—without losing speed or trust,” Rao concludes.