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AI Governance for Insurance
The independent AI governance platform for insurers, reinsurers, and InsurTech. Pre-deployment fairness testing, runtime policy enforcement, monitoring, and regulatory automation — for underwriting, pricing, claims, and distribution.
Book Demo
Get Started
Insurance Coverage
6+
Jurisdictions
18+
Regulations
FCA
NAIC
EU AI Act
IRDAI
APRA
IASIS
Fair, transparent, defensible
From traditional carriers to InsurTech, from P&C to life & health — Trusys provides the AI governance that regulators expect and policyholders deserve.
Framework
The challenge of clinical AI
Healthcare AI operates under the highest safety and regulatory standards
Fairness Requirements
State insurance codes, EU AI Act, FCA Consumer Duty — disparate impact testing across protected classes is mandatory
Explainability Obligations
NAIC Model Bulletin, EU AI Act Article 13 — insurers must explain AI-driven underwriting and claims decisions.
Conduct Risk
Off-script advice, mis-selling, unfair denial patterns — all regulatable conduct when delivered by AI
Discriminatory Pricing
Rate filings, state DOI approval — pricing models using protected proxies create regulatory exposure
Claims Fairness
Bad faith litigation, state insurance commissioners — AI-driven denials face higher scrutiny
Multi-Market Complexity
50 US state regulators, EU member states, IRDAI, APRA — each with different AI expectations
Industry Impact
Insurance-specific AI assurance
Evaluate, guard, monitor, and govern — for every insurance AI system
tru EVAL
Pre-deployment evaluation
- Fairness testing across protected classes (race, gender, age, geography, credit score)
- Disparate impact analysis aligned to state insurance codes and EU AI Act
- Hallucination benchmarks on medical knowledge (UpToDate, clinical guidelines)
- Clinical accuracy validation on diagnosis, triage, treatment recommendations
- Third-party model validation for state DOI filings
tru GUARD
Runtime guardrails
- PHI redaction for MRN, SSN, insurance ID, clinical identifiers
- Advice-boundary enforcement (information vs regulated advice)
- Hallucination benchmarks on medical knowledge (UpToDate, clinical guidelines)
- Vulnerable customer detection (FCA Consumer Duty, state protections)
- Off-script detection for agent-facing and customer-facing AI
tru PULSE
Continuous monitoring
- Subgroup performance monitoring (demographic fairness drift)
- Denial rate pattern detection across cohorts
- Hallucination benchmarks on medical knowledge (UpToDate, clinical guidelines)
- Pricing model drift detection (rate adequacy, actuarial soundness)
- Real-time alerting on conduct risk patterns
tru Scout
Regulatory intelligence
- AI system inventory with clinical risk classification
- Regulatory mapping to NAIC, EU AI Act, IRDAI, FCA, APRA, state DOIs
- Hallucination benchmarks on medical knowledge (UpToDate, clinical guidelines)
- Clinical accuracy validation on diagnosis, triage, treatment recommendations
- Consumer Duty evidence (FCA, equivalent regimes)
Multi-jurisdiction healthcare compliance
Native regulatory mapping across healthcare systems worldwide
Jurisdiction
United States
India
Singapore
European Union
European Union
United Kingdom
Global
Australia
Framework
HIPAA Privacy & Security Rules
IRDAI AI guidelines + DPDP Act
MAS + GIA conduct expectations
EU AI Act (health as high-risk)
EIOPA Guidelines on AI
FCA Consumer Duty
IAIS Core Principles
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What Trusys covers
Algorithmic transparency, disparate impact testing, rate filing disclosures
AI AI risk teams, security teams, compliance teams, product teams, enterprise AI ownersrisk teams, security teams, compliance teams, product teams, enterprise AI owners
Clinical documentation integrity, non-discrimination in health programs
High-risk classification, conformity assessment, transparency, explainability
Governance, explainability, fairness, data quality
Good customer outcomes, vulnerable customer treatment, fair value
Governance, risk management, conduct of business
Operational resilience, claims fairness, vulnerable customer protections
Built for insurance workflows
Underwriting & risk assessment
Pricing & rate optimization
Claims adjudication
Fraud detection
Customer service chatbots
Policy document generation
Subrogation workflows
Actuarial modeling
Radiology report generation
Renewal optimization
First notice of loss (FNOL)
Regulatory reporting automation
Frequently Asked Questions
01.
Is Trusys a NeMo Guardrails alternative?
Yes. Insurance underwriting and claims handling are classified as high-risk under the EU AI Act. Argus maintains the conformity assessment artefacts, risk classification evidence, and transparency documentation required.
02.
Is Trusys independent of InsurTech vendors?
Yes. Trusys has no underwriting model business, no claims platform affiliation, and no commercial conflict when fairness testing surfaces issues on any vendor's model.
03.
Does Trusys work with policy administration systems?
Yes. TruGuard integrates at the API boundary for Guidewire, Duck Creek, Majesco, Insurity, and custom-built policy admin systems. Guardrails run inline without disrupting core insurance workflows.
04.
Can Trusys validate third-party underwriting models?
Yes. TruEval provides independent fairness testing and validation of third-party models — addressing the NAIC and EU AI Act expectation that insurers validate models even when developed externally.
Trusys Advantage
Fair, transparent, defensible insurance AI
Policyholder fairness first. Explainability built in. Regulatory compliance automated. From NAIC to EU AI Act, FCA to IRDAI — Trusys is built for insurance.
Book a Demo
AI Governance for Insurance
The independent AI governance platform for insurers, reinsurers, and InsurTech. Pre-deployment fairness testing, runtime policy enforcement, monitoring, and regulatory automation — for underwriting, pricing, claims, and distribution.
Book Demo
Get Started
Insurance Coverage
6+
Jurisdictions
18+
Regulations
NAIC
EU AI Act
IRDAI
FCA
APRA
IASIS
Fair, transparent, defensible
From traditional carriers to InsurTech, from P&C to life & health — Trusys provides the AI governance that regulators expect and policyholders deserve.
Framework
The challenge of clinical AI
Healthcare AI operates under the highest safety and regulatory standards
Fairness Requirements
State insurance codes, EU AI Act, FCA Consumer Duty — disparate impact testing across protected classes is mandatory
Explainability Obligations
NAIC Model Bulletin, EU AI Act Article 13 — insurers must explain AI-driven underwriting and claims decisions.
Conduct Risk
Off-script advice, mis-selling, unfair denial patterns — all regulatable conduct when delivered by AI
Discriminatory Pricing
Rate filings, state DOI approval — pricing models using protected proxies create regulatory exposure
Claims Fairness
Bad faith litigation, state insurance commissioners — AI-driven denials face higher scrutiny
Multi-Market Complexity
50 US state regulators, EU member states, IRDAI, APRA — each with different AI expectations
Industry Impact
Insurance-specific AI assurance
Evaluate, guard, monitor, and govern — for every insurance AI system
tru EVAL
Pre-deployment evaluation
- Fairness testing across protected classes (race, gender, age, geography, credit score)
- Disparate impact analysis aligned to state insurance codes and EU AI Act
- Hallucination benchmarks on insurance knowledge (policy terms, coverage, exclusions)
- Adversarial campaigns against prompt injection, decision manipulation
- Third-party model validation for state DOI filings
tru GUARD
Runtime guardrails
- PII redaction for policy numbers, SSN, medical info, financial data
- Advice-boundary enforcement (information vs regulated advice)
- Coverage-language validation (what is promised vs what is covered)
- Vulnerable customer detection (FCA Consumer Duty, state protections)
- Off-script detection for agent-facing and customer-facing AI
tru PULSE
Continuous monitoring
- Subgroup performance monitoring (demographic fairness drift)
- Denial rate pattern detection across cohorts
- Hallucination pattern monitoring in policy summaries and explanations
- Pricing model drift detection (rate adequacy, actuarial soundness)
- Real-time alerting on conduct risk patterns
tru Scout
Regulatory intelligence
- AI system inventory with clinical risk classification
- Regulatory mapping to NAIC, EU AI Act, IRDAI, FCA, APRA, state DOIs
- Rate filing evidence packs (algorithmic pricing disclosures)
- Conduct evidence for market conduct exams (state, EIOPA, IRDAI)
- Consumer Duty evidence (FCA, equivalent regimes)
Multi-jurisdiction healthcare compliance
Native regulatory mapping across healthcare systems worldwide
Jurisdiction
United States
India
Singapore
European Union
European Union
United Kingdom
Global
Australia
Framework
NAIC Model Bulletin + State DOI oversight
IRDAI AI guidelines + DPDP Act
MAS + GIA conduct expectations
EU AI Act (health as high-risk)
EIOPA Guidelines on AI
FCA Consumer Duty
IAIS Core Principles
APRA CPS 230 + General Insurance Code
What Trusys covers
Algorithmic transparency, disparate impact testing, rate filing disclosures
Model governance, consumer protection, personal data protection
Fair dealing, transparency, vulnerable customer protection
High-risk classification, conformity assessment, transparency, explainability
Governance, explainability, fairness, data quality
Good customer outcomes, vulnerable customer treatment, fair value
Governance, risk management, conduct of business
Operational resilience, claims fairness, vulnerable customer protections
Built for insurance workflows
Underwriting & risk assessment
Pricing & rate optimization
Claims adjudication
Fraud detection
Customer service chatbots
Policy document generation
Subrogation workflows
Actuarial modeling
Distribution & agent support
Renewal optimization
First notice of loss (FNOL)
Regulatory reporting automation
Frequently Asked Questions
01.
Does Trusys cover EU AI Act requirements for insurance?
Yes. Insurance underwriting and claims handling are classified as high-risk under the EU AI Act. Argus maintains the conformity assessment artefacts, risk classification evidence, and transparency documentation required.
02.
Is Trusys independent of InsurTech vendors?
Yes. Trusys has no underwriting model business, no claims platform affiliation, and no commercial conflict when fairness testing surfaces issues on any vendor's model.
03.
Does Trusys work with policy administration systems?
Yes. TruGuard integrates at the API boundary for Guidewire, Duck Creek, Majesco, Insurity, and custom-built policy admin systems. Guardrails run inline without disrupting core insurance workflows.
04.
Can Trusys validate third-party underwriting models?
Yes. TruEval provides independent fairness testing and validation of third-party models — addressing the NAIC and EU AI Act expectation that insurers validate models even when developed externally.
Trusys Advantage
Fair, transparent, defensible insurance AI
Policyholder fairness first. Explainability built in. Regulatory compliance automated. From NAIC to EU AI Act, FCA to IRDAI — Trusys is built for insurance.
Book a Demo