About OZRA AI
Building the AI layer that modern insurance underwriting runs on.
Our Story
OZRA AI was founded in Mumbai, India with a mission to modernize insurance underwriting using artificial intelligence. Frustrated by how slow and inconsistent traditional underwriting is, our team set out to build our own proprietary AI models trained on real claims and policy data, helping insurers make faster, fairer, and more accurate decisions. What started as a small team tackling a well-known industry bottleneck has grown into a platform built to serve insurers of every size, from agile MGAs to established carriers looking to modernize their risk operations.
Our Mission
To make insurance underwriting instant, accurate, and accessible, powered by our own AI that learns from real-world risk data.
We want an underwriter to spend their time on the hard judgement calls, not on re-keying loss runs or chasing documents. Every model we ship is measured against one question: does it help the underwriter make a better decision, faster, and explain it afterwards?
Our Vision
A world where every insurer, regardless of size, has access to enterprise-grade AI underwriting tools.
Today, sophisticated risk models are mostly built by the largest carriers with the biggest data science teams. We think a regional insurer or a specialist MGA deserves the same quality of pricing, and that their own claims history is the best place to start.
Why Mumbai
India is one of the fastest-growing insurance markets in the world, and insurers here expect decisions to be transparent and data to stay in the country. Building here keeps us close to the insurers, actuaries and engineers who shape how our models work, while our approach travels to carriers in the US and Europe.
What We Do
OZRA AI builds custom AI risk-scoring models for insurance companies, trained on their own historical claims and policy data using OZRA AI's proprietary machine learning technology, enabling real-time underwriting decisions with full explainability.
Every deployment starts with an insurer's own book of business, not a generic industry table. We connect securely to an insurer's historical claims and policy data, train a model specific to their risk profile, and layer real-time scoring directly into their existing underwriting workflow. The result is a system that gets sharper the longer it runs, while giving underwriters and compliance teams a clear, auditable reason behind every decision it makes.
We work across general insurance, health, and motor lines, applying the same core approach, an insurer's own real data in, a custom model out, adapted to each insurer's specific risk profile and regulatory requirements.
Trained on your data
Not a generic industry table, built from your own claims history.
Real-time scoring
Decisions in seconds, integrated into your existing workflow.
Fully explainable
Every score comes with a clear, auditable reason.
Works across lines
General, health, and motor insurance, adapted to your book.
Our Values
Trust & Transparency
Every risk score comes with clear, explainable reasoning and no black boxes.
Data Privacy & Security
Your claims and policy data stays protected with enterprise-grade safeguards.
Innovation
We build our own AI from the ground up, always pushing past the industry status quo.
Customer-First
We build in close partnership with insurers, shaping the product around real needs.