Frequently asked questions

Gangkhar is an AI-native insurance infrastructure company that brings embedded insurance and Agentic Process Outsourcing together. We help clients grow by embedding insurance into digital products and become more efficient by using governed AI agents across insurance operations. One infrastructure supports both objectives.

We work with insurers, reinsurers, MGAs, brokers, TPAs, insurance operations teams and digital distribution platforms. The common need is to launch, operate or improve insurance without adding fragmented systems and manual work.

It means AI is part of the operating architecture, not a feature added at the end. Decisions and actions run within configured product rules, permissions, evaluations, audit trails and human escalation paths.

Insurance BPO and back-office outsourcing traditionally allocate people to perform work. Agentic Process Outsourcing is an agentic-services model in which governed software agents become the throughput engine and the provider remains accountable for the managed outcome. Analysts may also describe this direction as intelligent operations or Services-as-Software. Gangkhar uses APO because it states both the operating responsibility and the insurance-specific control model clearly.

The name is inspired by Gangkhar Puensum and the idea of a trusted guide through difficult terrain. That idea is expressed in our permanent English slogan: Climb Higher. Protect Smarter.

Agentic Process Outsourcing, or APO, is an operating model in which governed AI agents execute defined insurance workflows across existing systems. People retain authority over product, risk, controls and exceptions.

Traditional BPO primarily moves work to another human team. APO redesigns a bounded process for agentic execution, continuous observability and exception-based human work. It can complement an existing BPO or operations team.

No. Gangkhar is designed to work across the policy, claims, document, payment and communication systems already in use. The integration and control model is defined during discovery.

It starts with an Operations Discovery. Together we select a valuable, bounded workflow; map rules, systems, controls, baselines and exceptions; and define a phased production plan with measurable acceptance criteria.

Sherpa+ is the governed product and policy-lifecycle foundation. Sherpa+Lens supports observable optimisation decisions within approved boundaries. Sherpa+Works is the runtime and control plane for governed fleets of insurance AI agents.

No. The architecture is modular. The appropriate combination depends on the operating problem, systems, product authority and control requirements. A programme can begin with one layer and expand when value is proven.

Integration can use APIs, event streams, secure file exchange and controlled system tools. The pattern is selected according to the partner’s architecture, data policies, transaction volumes and operational risk.

Timing depends on scope, integrations, data readiness, product configuration, capacity and regulatory approvals. A recent embedded programme completed its technical build in about six weeks; enterprise APO programmes are normally delivered in controlled phases over a longer period.

It is relevant insurance or assistance integrated into a customer journey, transaction or membership rather than sold through a separate process. The distributor owns the experience while regulated insurance roles remain with authorised parties.

Gangkhar is not the risk carrier. We can connect and orchestrate authorised insurers, reinsurers, MGAs, brokers and service providers according to the programme and market.

Yes. The customer-facing experience can remain inside the platform’s app, website, wallet or transaction flow. The exact presentation, disclosures and consent steps are configured for the product and jurisdiction.

Yes. Our technology provides a reusable integration and product foundation that scales across markets. Gangkhar can help clients open and expand into new markets through its global network of insurance and distribution partners. Each launch still requires the appropriate authorised capacity, local product terms, pricing, taxes, disclosures, payment arrangements and approvals.

People define authority, approve product and rule changes, set confidence thresholds, handle exceptions and can pause or retire an agent. Agents do not expand their own permissions.

Yes. Production designs record relevant inputs, rule and model versions, tool calls, actions, outputs and escalations so authorised teams can reconstruct what happened.

Gangkhar has completed a SOC 2 Type II examination with an unqualified opinion. Detailed evidence and scope are shared through the appropriate diligence process.

Requirements are assessed by programme and jurisdiction. Architecture, access, retention and processing controls are documented during diligence; specific legal obligations remain subject to the parties’ agreements and applicable law.

A regional Gangkhar representative reviews your context and arranges an initial meeting. We clarify the business objective, operating problem, geography, product authority and decision process before proposing next steps.

The commercial model depends on the selected products, transaction volume, integrations, operating scope, service levels and geography. Pricing is scoped after discovery rather than presented as a generic public tariff.

Yes. Public case studies are available in the resource centre, and additional architecture, control and programme evidence can be shared during qualified diligence subject to confidentiality and client permissions.

Use the Request a meeting form and select your region and area of interest. You can also write to info@gangkhar.com. Regional routing can be added as the relevant executive contacts are confirmed.