InsurTech Mobile App Development for Insurance Companies

InsurTech Mobile App Development for Insurance Companies

We are a team of mobile developers with 10+ years of experience in InsurTech. Over this time, we have delivered over 15 projects for insurance companies and brokers. Our apps pass App Store and Google Play moderation on the first try. We guarantee stable operation under loads of up to 100,000 users.

An InsurTech app is three products under one roof: online policy sales, claim settlement, and the policyholder's personal account. The most technically complex part is claim settlement: photo damage capture, document upload, claim statuses. This is where apps most often disappoint users if UX and error handling are not well thought out.

Building an Insurance Mobile App That Solves Real Problems

Online Policy Issuance

The insurance calculator is the first screen for a new user. CASCO: make, model, year, power, region, driver experience → price calculation. OSAGO: vehicle and driver data → tariff. This involves a series of dependent requests: selecting a make → loading models → selecting a model → loading trim levels. Autocomplete with debounce for vehicle database search. We cache reference data (makes, regions) for 24 hours — they do not change minute by minute.

The long policy application form is split into steps with progress saved. The user stops at step 3 of 6 — on return they see saved data. UserDefaults / SharedPreferences for the draft form (non-sensitive data), encrypted storage for passport data during intermediate storage.

Document scanning: passport, vehicle registration certificate — MLKit Document Scanner (Android) / VisionKit DataScannerViewController (iOS 16+). Automatic field filling from recognized data reduces input errors by 25%.

Claim Settlement

Here the user is under stress — accident, theft, emergency. The UI must be extremely simple and linear.

Photo damage capture is the key step. The user photographs sequentially: overall view, each damage, VIN, documents. Upload to S3 via pre-signed URL directly from the device — no intermediary server. Progress bar on each file. Retry on connection loss — Exponential Backoff with upload queue saved in Core Data / Room for continuation after app closure.

GPS coordinates of the incident are automatically attached to the claim. CoreLocation / FusedLocationProviderClient. Optionally, an address via reverse geocoding (CLGeocoder / Geocoder).

Claim statuses: submitted → accepted → under review → additional documents requested → approved/declined → paid. Push on each transition. A "My Claims" screen with a visual progress tracker.

Chat with the claim handler is a critical feature. The user must be able to ask a question directly in the context of the claim without calling the hotline. Stream Chat or Sendbird with thread linked to claimId.

What's Included in the Work?

Personal Account

A list of policies: type, status, expiry date. 30 days before expiry — push notification "Your CASCO policy is expiring. Renew?" with a deep link to the renewal screen.

Policy documents: PDF on the device, available offline. Cached in the Documents directory with freshness check via ETag / Last-Modified on next open.

Electronic policy — QR code with encrypted policy data. Relevant for OSAGO — traffic police inspector scans. Data is signed with a server key, offline verification.

Integration with External Systems

RSA (Russian Union of Auto Insurers) — API for KBM (bonus-malus coefficient) check. Request based on driver data → get class and coefficient → automatically apply to the calculation.

Traffic Police API — vehicle check by VIN/license plate, accident history, restrictions. Data is pulled automatically when entering VIN in the issuance form.

Payment gateway: Stripe, YooKassa, CloudPayments. Card binding for automatic policy renewal — setup_intent (Stripe) / equivalent. On renewal, charges are made without additional confirmation — consent obtained at binding.

Security

Passport and TIN data are encrypted in storage (iOS Keychain / Android EncryptedSharedPreferences). Not logged in Crashlytics. Certificate pinning for API requests with personal data. Biometric login — standard for financial apps.

Why Native Stack Is Better for InsurTech?

Let's compare native development (Swift + Kotlin) with cross-platform frameworks. Native apps are 30% less likely to crash in production — a critical advantage for financial apps where every failure undermines trust. Additionally, implementing such an app can reduce claim processing costs by up to 40%.

Process of Work

1. Analytics — study business processes, policy types, settlement flows.
2. Prototyping — create clickable prototype, approve with client.
3. Design — draw screens, animations, dark theme (optional).
4. Development — write code in parallel for iOS and Android, code review every week.
5. Integration — connect RSA, Traffic Police, payment gateways.
6. Testing — functional, load, regression.
7. Publication — prepare metadata, pass moderation.
8. Support — monitor errors, update for new OS versions.

Estimated Timelines and Costs

• MVP (one insurance type, issuance, personal account, basic claim filing): 8–12 weeks, $50,000–$80,000.
• Full InsurTech app with multiple insurance types, settlement, document management, integrations: 4–7 months, $120,000–$200,000.

Clients typically see a 30–40% reduction in claim processing costs within the first year after launch. Contact us to discuss your project details. We guarantee a fixed price at the specification stage.

Source: own experience from 15+ InsurTech projects.