HDFC ERGO has become India’s first insurer to use Duck Creek’s cloud-native SaaS core solutions to design, underwrite and distribute health insurance products.
The partnership aims to enhance health insurance accessibility, affordability, and efficiency in India by leveraging Duck Creek’s advanced SaaS solutions to streamline product design, underwriting, and distribution, according to FF News.
This collaboration sets a new benchmark for policyholder experience and delivery of health protection in the region.
HDFC ERGO is one of India’s premier private general insurers, offering a wide range of products including health, motor, travel, and commercial insurance. The company has been recognised for its focus on customer-centric solutions and digital innovation in insurance.
Duck Creek Technologies provides cloud-native SaaS solutions that enable insurers to modernise core operations, including policy administration, billing, rating, and data insights. Its Product Factory architecture, low-/no-code configuration, and open APIs allow insurers to design, implement, and scale insurance offerings efficiently across multiple channels.
HDFC ERGO, already using Duck Creek’s SaaS solutions for its commercial fire coverage, partnered with Duck Creek to design and implement a health insurance line tailored to India’s market requirements.
The implementation spanned just eight months and covered distribution through agency, broker, bancassurance, direct, and digital channels. By automating medical underwriting tasks and leveraging straight through processing (STP) capabilities, the collaboration ensures seamless customer onboarding, including those with pre-existing conditions.
The accelerated development of HDFC ERGO’s health line highlights the agility and adaptability of Duck Creek’s InsurTech solutions. This partnership also represents a significant milestone for Duck Creek’s expansion in India and the broader APAC region, supporting the company’s commitment to helping insurers become smarter, faster, and more efficient.
“India’s health insurance sector is poised to grow at a compound annual growth rate of approximately 20% to reach approximately $46.37 billion by 2030. As an important stakeholder towards building a ‘Healthy India’, we at HDFC ERGO General Insurance recognise the need to enhance our current health insurance plans and services, so as to make health insurance more accessible, affordable and convenient for consumption. We are happy to partner with Duck Creek to enhance our offerings in the health insurance business and thus stay committed to our vision of propelling financial inclusion across the country,” HDFC ERGO President and Chief Technology Officer Sriram Naganathan said.
“By implementing the Duck Creek platform, we have witnessed an increase in straight through processing (STP) capabilities which have made it easier for customers, even those with pre-existing ailments, to get policies seamlessly. This was an impressive achievement as we could automate a lot of medical underwriting tasks using the advanced product setup and rule configuration capabilities of the Duck Creek platform,” Mr. Naganathan said.
“The launch of the health line of business, with the support of HDFC ERGO General Insurance is a significant milestone for Duck Creek in India and the region. Duck Creek is committed to delivering the best standard of core delivery insurtech to India’s insurers, to support them to become smarter, faster and more efficient. This health insurance innovation demonstrates our investment in the region and openness to collaborate with our customers and partners,” Duck Creek Technologies Managing Director APAC Christian Erickson said.
“We are excited as this further proves the power of Duck Creek’s solutions, allowing insurers to reimagine and build the future of insurance. It also opens opportunities for Duck Creek Technologies to engage with insurers offering health products, not only in India but in the broader Asian region, as we continue to expand our operations and support our existing multi-national clients,” Christian Erickson said.
Keep up with all the latest FinTech news here
Copyright © 2025 FinTech Global
