Protecting Millions with Next-Gen Intelligence

Bajaj General Insurance, a trailblazer in the insurance sector, empowers over 160 million customers, with a dynamic team of over 10,000 professionals. Established in the year 2001, the company has built its reputation on a digital-first strategy, consistently pioneering innovations that set new standards for the industry. Driven by a culture of customer-centricity and agility, Bajaj General Insurance continues its relentless pursuit to simplify insurance for every Indian.

The strategic adoption of AI drives meaningful progress that goes beyond incremental improvements. Bajaj General Insurance approach to AI is rooted in frontier thinking. It has eschewed traditional, siloed models in favor of an agentic architecture that empowers specialized agents to automate and augment decision-making across the health insurance value chain.

Project Niriksha, the company’s flagship initiative, exemplifies this vision. By deploying a multi-agent AI framework, Bajaj General Insurance has redefined how claims are adjudicated, fraud is detected, and operational efficiency is achieved. Each agent, whether focused on document processing, medical abuse detection, pharmacy pricing, tariff validation, or policy compliance, works in tandem creating an intelligent ecosystem. Together, they minimize manual intervention, enhance accuracy, and proactively identify cost-saving opportunities, reflecting the company’s commitment to customer delight. 

Innovation at Bajaj General Insurance is about orchestrating people, processes, technology, and platforms to deliver meaningful impact. Teams leverage intelligent document processing, optical character recognition, and dynamic rule engines to automate complex workflows, while a multi–large language model framework ensures that diagnosis and treatment protocols are rigorously aligned.

Governance is embedded at every level, with real-time validation against medical protocols and pricing standards, ensuring compliance and transparency. The company’s scalable architecture, powered by Microsoft Azure OpenAI, Azure Foundry, Azure API Management & Functions, GitHub Copilot, Power Platform and Azure Cognitive Services enables seamless integration of internal and external data sources, supporting future expansion across new lines of business.

The outcomes of this transformation are noteworthy. Project Niriksha is expected to deliver significant operational savings in cashless claims payments through advanced claims intelligence and process optimization. Automation has dramatically reduced claim adjudication times, while artificial intelligence agents have improved accuracy and operational efficiency. The result is a seamless, trustworthy experience for customers and a future-ready platform for growth.

Bajaj General Insurance intelligent transformation brings together innovation, empathy, and technology to offer a seamless, trustworthy journey for customers and provides a future-ready foundation to power the company’s next phase of growth.

“At Bajaj General Insurance, we’ve embraced an AI-first mindset to shape the future of insurance. By combining Microsoft’s cloud and AI capabilities with our own spirit of innovation, we are building intelligent systems that enhance speed, precision, and personalisation across every touchpoint. As we enter the Agentic era, our vision is to create a digital core powered by intelligence and empathy, delivering experiences that are smarter, faster, and truly caring.”

Dr. Tapan Singhel
Marketing Director & Chief Executive Officer