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    TCS is here to make a difference through technology.

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    What we do
    • Overview Press tab for submenu items

      TCS is here to make a difference through technology.

      Leading the way in innovation for over 55 years, we build greater futures for businesses across multiple industries and 55 countries.

      Discover all solutions
    • Industries
      • Banking
      • Capital Markets
      • Consumer Packaged Goods and Distribution
      • Communications, Media, and Information Services
      • Education
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      • TCS ERP on Cloud
      • ignio™
      • TCS iON™
      • TCS HOBS™
      • TCS Intelligent Urban Exchange™
      • TCS OmniStore™
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      • Quartz™ – The Smart Ledgers™
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    • ignio™
    • TCS iON™
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  • Who we are
    • Overview Press tab for submenu items

      We deliver excellence and create value for customers and communities.

      Our expert, committed team put our shared values into action – every day. With the best talent and the latest technology we help customers turn complexity into opportunities and create meaningful change.

      Discover the difference
    • About Us
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      Extraordinary expertise leads to remarkable results.

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      Want to be a global change-maker? Join our team.

      At TCS, we believe exceptional work begins with hiring, celebrating and nurturing the best people — from all walks of life.

      Join us
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      Recent Press releases

      03 Jun 2025 Virgin Atlantic and TCS Extend Two-Decade Partnership to Modernize Airline Operations with AI-led Solutions
      22 May 2025 TCS to Steer Cloud Migration Program for Finnish Telecom Leader DNA in a Five-Year Partnership
      15 May 2025 TCS Recognized as One of the World’s Top 50 Brands by Kantar BrandZ; Brand Value Soars 28% YoY to $57.3Bn
      View all
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      10 Jun 2025 TCS Recognized as 2025 Databricks Delivery Excellence Partner of the Year
      05 Jun 2025 Points of Light Names TCS One of the 50 Most Community-Minded U.S. Companies
      27 May 2025 TCS Strengthens Focus in the Middle East Region with New Facility in Oman
      View all
    • Analyst recognition

      Recent recognitions

      10 Jun 2025 TCS BaNCS Positioned as a Leader in the Gartner® Magic Quadrant™ for Retail Core Banking Systems, Europe
      26 May 2025 TCS Recognized as a Leader in Managed Detection and Response Services by Everest Group
      16 May 2025 TCS Recognized as a Leader in Custom Application Development Services by Everest Group
      View all
    • Events

      Upcoming events

      10 Aug 2025 TCS BaNCS at COBA 2025, Brisbane, Australia
      23 Jun 2025 TCS at HPE Discover Las Vegas 2025
      18 Jun 2025 Sustainability: The Evolution Driving Business Growth
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      TCS works hand in hand with world-leading investors.

      Tata Consultancy Services Limited
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      Discover more FY24-25 debrief
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    • Insurance / Solution

    Underwriting Transformation Solution

     

    Share TCS’ Underwriting Transformation Solution
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    Industry

    Insurance This will open an overlay

    Reinventing the Insurance Industry with a Digital-first Strategy

    TCS’ solutions, powered by AI and automation technologies, help leverage partner ecosystems and drive innovation in insurance for business agility and growth.
    Learn More
     about Reinventing the Insurance Industry with a Digital-first Strategy
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    Related Insights
    TCS BaNCS™ for Life Insurance and Pension
    Learn how our digital-first, cloud-based solution helps life insurers and pension providers achieve efficiency and enrich end-user journeys.
    Solution
    29 Apr 2025
    TCS BaNCS™ Health Insurance
    TCS helps reimagine the health insurance value chain by providing solutions for underwriting, claims, policy management, and more, driving agility and resilience.
    Solution
    29 Apr 2025
    TCS BaNCS™ for Reinsurance
    Learn how TCS’ intelligent, extensible reinsurance solution automates key processes across the insurance value chain such as insurance underwriting and claims management.
    Solution
    29 Apr 2025

    AI powered solution to drive end-to-end transformation of underwriting processes

    CHALLENGE

    The COVID-19 pandemic has  disrupted normal life, businesses, and economies all over the world. If recent events like furlough schemes by governments the world over, business bailouts, and Wimbledon payouts are any indications, the insurance industry is likely to face formidable challenges in the future.  

    But there is opportunity in this crisis. The time is perfect for insurers to transform their businesses and associated underwriting processes by accelerating the adoption of cloud and automation technologies. This will not only help the insurers stay afloat today but also prepare them for the tougher times ahead as the global economy strides toward a possible recession.

    TCS SOLUTION

    Powered by artificial intelligence and machine learning, TCS’ Underwriting Transformation Solution enables the following:

    Comprehensive information gathering: Automated extraction of data from surveys, contract notes, loss-control reports, and statement of values (SoV); identification of key data quality issues like detecting anomalies, duplicates, and entity recognition

    Portfolio analysis of underwriting risks: Financial simulations to estimate losses, automated side-by-side comparison of multiple outputs and blended view of the losses

    Supply-side disruptions: Non-catastrophic exposures modelling, climate risks, and analysis of supply-side disruptions, as well as scenario simulation of ensuing financial losses

    Other features of the solution include a reference architecture, common data model, and simpler interfaces to support underwriters.

    BENEFITS

    With TCS’ Underwriting Transformation Solution, insurers can benefit from:

     

    • Improved underwriting efficiency and time to market through AI-ML based risk factor extractions, data cleansing, and insight-driven risk selection
    • Enhanced and efficient risk analysis at account, portfolio, and re-insurance levels
    • Reduced manual processing, providing more time for underwriting analysis; multiple ways to analyze losses  – average annual losses, aggregate losses, occurrence losses, and excess losses
    • Aggregated view of risks through common data model for inputs and outputs to quickly execute multiple models, compare the outputs and blend them

     

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