One platform. Every client. Unlimited products.
AffinityOS is the white-labelled platform that brokers, corporate agents and platforms use to design, distribute and service affinity insurance for their clients. From policy issuance to claims, member data to CD statements, all in one place.
/v1/products/grp-health/member-template{"product": "Group Health · 5L SI","validation_checks": 27,"fields": [{ "name": "full_name", "required": true },{ "name": "dob", "type": "date" },{ "name": "sum_insured", "type": "money" }]}
Clients fetch the member data structure before they push anything.
Who this is for
Built for anyone distributing affinity insurance
If you sit between an insurer and a client base, AffinityOS is the system that runs the program for you.
Insurance Brokers
Running affinity programs for clients
Insurance Enablers / MGAs
Managing programs on insurers' behalf
Embedded Insurance Distributors
Selling cover into platforms and apps
Affinity Groups & Associations
Offering group cover to their members
How will it help you
Replace scattered client, member, document, and integration work with one auditable operating layer.
Member lists live in Excel and email - no single place to see who's covered, pending, or missed
One dashboard for every client and every member, always current
Members find out about coverage too late, and co-branded documents are built separately for every program
Branded policy cards and documents, generated and delivered automatically
No clear record of what changed, when, or who approved it
Every endorsement and change tracked in a structured, auditable flow
Clients want to connect their own systems, but integration takes months to build
API-first by default - clients fetch schemas, add members, and check status programmatically
AffinityOS stack
What's in the AffinityOS stack
Six components covering everything a distribution partner needs - from product setup to the member's branded policy link.
Products & Insurers
Any product, any insurer. Swap without disrupting live policies.
Member Templates
Define data per product, with 25+ built-in validation checks.
Policy Card
Design the member-facing card, brand it, preview before publishing.
Communications
Auto or manual email and SMS, triggered by member status.
Documents
Handguide plus up to 5 attachments, with role-based download access.
API Access
Clients connect their own systems directly - member data flows in without Excel.
Capabilities
Everything a distribution partner needs to run the program
From setting up a product to the member's branded policy link - AffinityOS covers the full operating loop for an affinity insurance program.
Setting up
- Configure insurance products and link them to insurers
- Build member data templates with 25+ built-in validation checks
- Design and publish a policy card for each product
- Attach policy documents - handguide plus up to 5 additional files
Managing clients & members
- Onboard clients onto the platform
- Add members in bulk via Excel or directly via API
- Track every endorsement - additions, modifications, removals - in a structured flow
Communicating
- Auto-trigger email and SMS based on member status
- Send policy documents and communication at the right moment, to the right members
API access
- Clients fetch member template structure, add members, and check member status - all via API
- Bulk add with idempotent retries - safe to resend without duplicating records
What the member gets
- A branded web link to view their policy card, handguide, and policy details
A program isn't done at enrollment - claims are part of it
Every AffinityOS program connects to Bharatsure's Claims Infrastructure - the same claims layer used across Employee Benefits, Affinity, Retail, and Commercial Insurance.
Run your affinity insurance business on one platform
White-labelled. No code. API-first. Claims included.
