Health insurance quoting that used to take seven days now takes seconds.
Insurance brokers were calculating premiums in Excel and emailing medical forms back and forth.
Insurance brokers in the UAE were manually looking up rates across age bands, genders, regions, and plan tiers, then applying loading percentages by hand in spreadsheets. A single SME quote with 150 employees required hundreds of individual calculations.
Medical declaration forms were emailed between brokers, HR departments, and employees — completion tracked via yet another spreadsheet. Paper-based quotes went to underwriters who would review and mark up physical documents.
The full quote-to-policy cycle took 7+ days due to manual handoffs. Every step was a potential error point. Every handoff was a delay. The process was built for a market that no longer exists.
Premiums calculated by hand
Multi-dimensional pricing across 5 plans, age bands, genders, regions, benefits, and loading factors — all done in Excel.
Medical forms via email chains
Declarations bounced between brokers, HR, and employees. Completion tracked in spreadsheets. No audit trail.
7+ day quote-to-policy cycle
Manual handoffs between brokers, medical reviewers, and underwriters. Every step a bottleneck.
No competitive intelligence
Comparing competitor quotes meant manually reading PDFs page by page. No structured data. No side-by-side analysis.
A full-stack platform that digitises the entire health insurance quote lifecycle.
PoliSync replaces the entire manual workflow — from the moment a broker enters member details to the moment an underwriter approves coverage. Real-time premium calculations, self-service medical declarations, digital underwriting, and AI-powered competitor analysis — all in one platform built for UAE regulatory compliance.
This was not a migration or extension. It was a ground-up build — designed, engineered, and shipped from scratch. The architecture is a modular monolith with clean separation, structured for future microservice extraction when scale demands it. Not over-engineered. Not under-built.
Broker Portal
Insurance brokers create, price, and submit health insurance quotes for individuals and companies — with real-time premium calculations and plan comparisons.
Admin Dashboard
Administrators manage users, brokerages, insurance products, benefit configurations, and premium rate tables across the platform.
Underwriting Workspace
Underwriters review submitted quotes, examine medical declarations, adjust premiums member-by-member, and approve or reject coverage.
Medical Declaration Forms
External stakeholders submit medical history via secure, time-limited public links — no login required. Automatic flagging of high-risk cases.
REST API (127 endpoints)
The engine behind everything — authentication, premium calculations, document management, audit logging, and all business logic.
AI Quote Comparison
Uses OpenAI GPT-4o Vision to extract structured data from competitor quote PDFs, enabling side-by-side plan comparisons.
PDF Generation Service
Server-side generation of quote documents, medical forms, and comparison reports via Gotenberg HTML-to-PDF microservice.
UAE PASS Integration
Government-backed identity verification via Emirates ID OAuth — meeting DHA compliance requirements for insurance platforms.
What the system does once it's running.
Real-Time Premium Engine
4-step calculation: net premium lookup, ancillary benefits, copay/deductible modifiers, loading factors. Computes hundreds of individual premiums in real-time as the broker enters data.
Medical Underwriting Flow
Multi-party workflow where medical data flows between unauthenticated external parties and authenticated underwriters — with automatic flagging, per-member approval granularity, and compliance audit trails.
AI Document Extraction
Competitor PDF quotes converted to images, fed to GPT-4o Vision, structured data extracted, comparison matrices generated. Includes retry logic, token cost tracking, and timeout handling.
Multi-Tenant Scoping
Brokerage-level data isolation enforced at the middleware layer. Brokers see their own quotes; managers see their brokerage; admins see everything. Row-level scope filtering throughout.
SLA Monitoring
Automated tracking of quote confirmation (24h), medical declaration (72h), underwriting review (48h), and policy binding (24h). Alerts at 75% threshold. End-to-end cycle target: 7 days.
Regulatory Compliance
DHA-mandated benefit structures for Abu Dhabi vs Dubai/Northern Emirates. 7-year data retention with immutable audit trails. Field-level change tracking on every modification. Soft deletes only.
This is not simple arithmetic. It is a multi-dimensional pricing engine running in real-time.
A single SME quote with 150 employees requires hundreds of individual premium calculations, each with its own combination of factors. The system computes these on the client side while the broker is still entering data.
Premium calculation complexity — 5 plans x 5 age bands x 3 genders x 2 regions x 13 benefits x 9 modifiers x 4 loading factors. Age-band multipliers up to +164% for 65+.
Multi-party medical workflow — Unauthenticated external parties submit sensitive medical data via token-based, time-limited URLs. Virus scanning, data isolation, expiry management.
33% scope increase absorbed — During requirements analysis, 89 story points of missing scope were discovered (the entire premium calculation engine). Identified, scoped, absorbed. Delivered 3+ weeks early.
UAE regulatory compliance — DHA-mandated benefit structures differ between Abu Dhabi and Dubai. UAE PASS OAuth. 7-year immutable audit trails. Field-level change tracking.
Five roles, one platform. Every step of the insurance workflow, digitised.
Insurance Brokers
Create quotes, get instant premium calculations, manage client relationships, and submit for underwriting — all from a single interface. No more Excel.
Broker Managers
Oversee team quotes, monitor brokerage performance, track SLA compliance, and manage broker assignments across the organisation.
Administrators
Configure insurance products, manage users and brokerages, set premium rate tables, configure benefit catalogues, and control platform settings.
Underwriters
Review medical risk with full declaration context, adjust premiums member-by-member, approve or reject coverage — with complete audit history.
External Stakeholders
Employees and family members submit medical declarations via secure public links — no account needed. Time-limited, virus-scanned, automatically flagged.
AI-Powered Operations
GPT-4o Vision extracts structured data from competitor PDFs. Automated cleanup jobs manage storage. Token cost tracking monitors AI spend.
From first commit to production in three weeks. Then we kept building.
PoliSync is not a client project. It is an internal product built by Hash Include for deployment to insurance brokerages and carriers in the UAE. We own the product, the architecture, and the roadmap.
The first version shipped in approximately three weeks — a functional platform that brokers could use immediately. Version 1.1 followed seven weeks later with medical declarations, underwriting workspace, AI comparison, and the full premium calculation engine.
During v1.1 development, the team discovered 89 story points of missing scope — a 33% increase representing the entire premium engine. It was identified, scoped, and absorbed without slipping the deadline. The release shipped 3+ weeks early.
Development begins
Ground-up architecture. Next.js 15, Express.js 5.1, PostgreSQL, Prisma. TypeScript end-to-end. Docker deployment on AWS.
v1.0.0 — Production launch
Core broker portal, admin dashboard, quote generation, and user management. Approximately 3 weeks from first commit to production.
v1.1.0 — Major expansion
Medical declarations, underwriting workspace, AI quote comparison, premium calculation engine, PDF generation, UAE PASS integration.
Continued development
Active development through March 2026. ~5 months of engineering across multiple releases. Sprint-based delivery with documented completion summaries.
When a platform handles medical data, premium calculations, and regulatory compliance — the engineering has to be precise.
If your industry runs on spreadsheets and email, we should talk.
We build platforms that replace manual workflows with engineered systems. The work shown here is what full-stack product ownership looks like.