Insurance sits outside the journey
Redirects, separate forms and unfamiliar brands reduce trust and conversion at the moment of relevance.
Who we serve · Digital distribution
Add protection without becoming an insurance company.
Gangkhar enables digital platforms to embed relevant protection inside the journeys customers already use while licensed partners and governed infrastructure handle the insurance operation behind the experience.
01Insurers, Reinsurers & MGAsGrow the book without growing operational drag. 02Distribution PlatformsAdd protection without becoming an insurance company. 03BrokersTurn insurance expertise into scalable programme operations. 04TPAs & Operations TeamsRun more volume with stronger control and service.
Built for
The teams responsible for making insurance work.
Mobility and logisticsFintech and paymentsE-commerce and retailTravel platformsHealth and wellnessProperty and PropTechVertical SaaSOther transactional ecosystems
The operating reality
The opportunity is clear. The infrastructure gap is not.
Gangkhar addresses the operational constraints that stop product, capacity and distribution from scaling together.
Too many counterparties
Product, carrier, broker, compliance, payment, servicing and claims relationships are difficult to coordinate.
The economics are unclear
Platforms cannot confidently assess attachment, claims cost, operating effort and revenue before launch.
One market does not replicate
Capacity, wording, regulation, tax and payment flows change across jurisdictions.
Claims break the experience
Customers leave the platform and repeat information when an incident occurs.
Internal teams become the bottleneck
Engineering, legal and operations teams absorb work far beyond the initial API connection.
Where Gangkhar works
Connected workflows across the insurance lifecycle.
Work begins with bounded procedures and expands through a governed operating system rather than a collection of isolated automations.
Opportunity design
Identify the risk moment, target customer, value proposition and unit economics.
Product and capacity
Match the journey with authorised products, partners and market requirements.
Embedded activation
Quote, bind and issue protection inside onboarding, checkout or the relevant transaction.
Payments and settlement
Coordinate premium collection, reconciliation, partner reporting and settlement.
Servicing and claims
Keep changes, FNOL and customer communications connected to the primary journey.
Optimisation
Improve eligible price, coverage and offer decisions using live customer and programme outcomes.
The platform in your operation
Activate. Optimise. Scale.
Three connected layers share the same product intelligence and governance model.
Activate
Connects products, capacity, compliance, payment and the policy lifecycle through one API.
Explore the platformOptimiseRecommends the most relevant eligible offer using permitted customer and journey signals.
Explore the platformScaleRuns the insurance work behind the experience, with explicit controls and human escalation.
Explore the platformOperating model
Automation with clear responsibility.
The technology coordinates work; the authorised organisations and people retain the roles, judgement and accountability assigned to them.
The platform owns the experience
Customers remain in the brand and journey they already trust.
Licensed parties perform regulated roles
Distribution, advice, underwriting and claims responsibilities are assigned according to each market.
Data use is purposeful
Signals are used only where permitted and relevant to the configured product and customer decision.
Unit economics stay visible
Premium, revenue, attachment, service and portfolio outcomes can be measured together.
Business impact
A stronger operation and a better-performing book.
- A new protection and revenue layer
- Higher relevance at the point of need
- One integration across multiple opportunities
- Reduced operational burden on internal teams
- Consistent customer experience through claims
- A repeatable path into new markets
Use cases
See the operating model in context.
Who we serve explains the organisational value. These use cases show how the infrastructure applies to specific distribution and operating environments.
Use case
Mobility
Protection connected to the trip, driver, passenger or asset.
ExploreUse caseFintech & Payments
Coverage embedded in accounts, cards, credit and transactions.
ExploreUse caseE-commerce & Retail
Protection at checkout and throughout product ownership.
ExploreUse caseTravel & Tourism
Relevant protection from booking through disruption and return.
ExploreUse caseDelivery & Logistics
Coverage following couriers, goods, routes and delivery events.
ExploreUse caseHealth & Wellness
Protection integrated into everyday care and wellbeing journeys.
ExploreUse caseProperty & PropTech
Coverage embedded into renting, buying and property management.
ExploreUse caseVertical SaaS
Insurance as a native capability inside specialised workflows.
ExploreFrequently asked
Clear boundaries before deployment.
Does the platform need an insurance licence?+
The operating structure depends on the market and activity. Every regulated role is assigned to an appropriately authorised insurer, broker, MGA, TPA or other licensed participant.
Who owns the customer relationship?+
The digital platform remains the primary customer experience. Gangkhar coordinates the insurance infrastructure and approved partners behind it.
Can we launch in more than one country?+
Yes. The integration and operating foundation are reusable, while product, capacity, compliance, wording and settlement are configured per market.