From policy sales to claim payouts, from accounting to regulatory reporting — EIOS brings every process into one system, automates manual work and shows leadership every metric in real time.
Ready-made integrations with government systems, banks and payment services
EIOS unites every insurance process — from sales to claims, from accounting to the regulator — in a single system. Data is entered once; the system takes care of the rest.
Features
The system does the routine for you
Instead of manual work, Excel sheets and paper trails — connected, automated workflows.
01
A policy in five steps
One flow from application to policy: the client is verified via MyID, the premium is calculated automatically and, once paid, the policy goes to the NAPP registry on its own.
02
Payments match themselves
Every payment in the bank statement finds its policy and lands in 1C as a posting. Unidentified payments go to a separate review.
03
From claim to payout
The client sends a video inspection from the app, an expert assesses the damage, and the decision and payout live on one card with the full history.
04
Real time for leadership
Premiums, loss ratio, branch and agent performance are always current — no waiting for reports.
1General detailsClient verified via MyID09:41
2Insured objectChevrolet Tracker, 202509:42
3ContractMotor (KASKO), 12 months — 180M UZS09:43
4PaymentBy card1,250,000 UZS
5PolicySent to the NAPP registryautomatic
Policy issued · KS 0012848
Bank statement
1,250,00009:42 — bank-client
3,400,00010:15 — bank-client
560,00011:03 — identifying payer
Policies
MK 0045113posted to 1C
KS 0012847matched
—under review
Noticefrom the app
Video inspection3 minutes
Assessmentin progress
Decisionqueued
Payoutto card
ClaimZR 000318
Claimed14,600,000 UZS
Deadline2 days left
Today’s premiums412M▲ 6.3%
Loss ratio31.6%▼ 2.1 pp
Active agents128▲ 9
Ecosystem
16 modules. One ecosystem.
A ready module for every department of an insurance company. Start with what you need and expand whenever you’re ready.
Sales & policies
Applications, pricing, policy series, blank-form inventory and print templates — in one flow.
Product builder
Configure risks, tariffs, calculators and commissions without a developer.
Compulsory insurance
OSAGO, OSGOP, OSGOR and travel insurance — in the regulator’s format.
Claims & payouts
Notice of loss, video inspection, assessment, decision and payout — with a history of every step.
Recourse & receivables
Subrogation claims, debtors and recovered amounts under dedicated control.
Finance & accounting
Bank statements, payment allocation and automatic postings to 1C.
E-invoicing
Invoices are generated automatically via Didox and signed with E-IMZO.
Reserves & balance sheet
Insurance reserves and balance-sheet forms are calculated automatically.
Reinsurance
Obligatory and facultative treaties, bordereaux and limits control.
Investments
Deposits, securities, dividends and shareholder meetings.
Compliance & AML
Data exchange with NAPP and ERSP, watchlist screening and regulatory reporting.
Reports & analytics
60+ ready-made reports: premiums, loss ratio, branches, agents, lost clients.
HR & workflow
Staff, headcount plan, assignments, deadline control and citizen requests.
Agents & partners
Agency agreements, completion certificates, commissions and APIs for partner banks.
Mobile app
An iOS and Android app for clients: buy a policy, pay and file a claim.
EIOS AI
A voice assistant that answers in Uzbek, Russian and English and prepares reports and charts.
Everything inside
What else EIOS can do
The complete list of features already running in the system — by area.
Contract cancellation and transfer between branches
Bulk import from Excel
OSGOR and OSGOP calculators
Tariffs, risks and product groups
Passport checks for OSAGO discounts
Claims & recourse
Claims journal and loss bordereaux
Assessment and payout decisions
Recourse claims and recovery
Claims by branch and line of business
Payouts by region
Military personnel claim reports
Finance
Bank-client and unpaid policies
Allocation and splitting of receipts
Expected receipts and overdue instalments
Receivables and payables
Expenses and income
Leasing: properties, contracts, payments
Central Bank exchange rates — daily
Receipts from electronic payment systems
Reinsurance
Inward and outward reinsurance
Obligatory and facultative treaties
Risk and premium bordereaux
Reinsurance limits and portfolio
Offers and reinsurance claims
Risk profile, export and import treaties
Investments
Deposits and investment loans
Issuers and securities trading
Equity stakes and dividends
Depository
Shareholder meeting schedule
Regulator & reporting
State insurance supervision forms (1–8)
Statistical reports: key indicators and reinsurance
Balance-sheet forms: premiums, payouts, reserves
Weekly report and forecast tracking
Branch income and loss-ratio analysis
Lost-client analysis
NAPP portfolio archive and fund submission logs
Agents & staff
Agent register and agency agreements
Completion certificates and commissions
Civil-law contract register
Employees, headcount plan and bonuses
Absences and staff qualifications
Workflow & communication
Documents, assignments and execution control
Task schedule (Gantt)
Citizen requests and actions taken
SMS notifications and video conferencing
Library, video lessons and testing
40+ reference directories
Integrations
Government, banks and payments — in one hub
State registries, accounting, banks and payment services are connected to EIOS. Data is entered once and reaches every place it needs to.
NAPPPolicy registry (ERSP)
my.gov.uzPublic services portal
UzinfocomGovernment IT systems
Customs CommitteeCustoms e-policy
Central BankExchange rates
MyIDIdentity verification
E-IMZOElectronic signature
1CAccounting
DidoxE-invoicing
PaymeOnline payments
ClickOnline payments
UzumOnline payments
RahmatOnline payments
AnorbankPartner channel (API)
AgrobankPartner channel (API)
AloqabankPartner channel (API)
AsakabankPartner channel (API)
Asia Alliance BankPartner channel (API)
MikrokreditbankPartner channel (API)
AVO bankPartner channel (API)
TrastbankBank-client
UcellPartner channel (API)
SOS24Assistance
Need a system that isn’t listed? We’ll integrate it during implementation.
EIOS AI
Ask out loud. EIOS answers.
The voice assistant understands Uzbek, Russian and English. It calculates straight from your database, draws charts and prepares reports in Excel or PDF.
Analysis for any periodAnswers in seconds to questions like “premiums by branch from September to October”.
Role-based accessEvery employee sees only the data they’re allowed to.
On any screenHold Ctrl — the assistant opens without interrupting your work.
Listening
Motor 3 / 4
VehicleChevrolet Tracker, 202501 A 777 AA
Sum insured180M
Term12 months
Premium1,250,000
Pay
Policy readySent to the NAPP registry
Channels
Clients, banks and agents — in one system
Your products sell through the mobile app, banking apps and agents. Every policy lands in EIOS and the NAPP registry automatically.
Partner API — example
POST /api/v1/policies
{ "product": "KASKO", "plate": "01A777AA", "premium": 1250000 }
// 201 Created
{ "policy": "KS 0012847", "napp": "accepted" }
An app under your brand
Clients buy policies, pay and file claims.
APIs for banks and agents
Partners issue policies right from their own systems.
E-agent compliance
Data exchange fully follows NAPP’s electronic agent rules.
MyID and online payments
Face verification and payments via Payme, Click and Uzum.
Security
Your data stays yours
A dedicated installation for every company. Your data never mixes with other clients’.
Dedicated installation
EIOS runs on your company’s servers or in a dedicated cloud of your choice.
Roles & permissions
Each employee acts only within their department and authority.
Activity log
Important changes are recorded: who did what, and when.
AML screening
Clients are automatically checked against watchlists.
Attack protection
Suspicious requests are detected and blocked in real time.
Electronic signature
Documents are signed via E-IMZO with full legal force.
16modules in one system
500+work screens
60+ready-made reports
23ready integrations
Implementation
Live in four stages
Our team handles migration, setup and training — your business doesn’t stop for a single day.
1
Analysis & plan
We study your processes and agree on the modules and integrations together.
2
Data migration
We import your legacy portfolio, client base and payment history.
3
Setup & connections
We configure products, tariffs, roles and connections to government systems.
4
Go-live
We train your team, launch the system and stay alongside you in the first months.
Partnership
Under an enterprise agreement
Pricing is tailored to your company’s scale, chosen modules and integrations.
Module license
Start with the modules you need and expand anytime.
Any combination of 16 modules
Updates included
Roles and branches mirror your structure
Full implementation
Migration, setup, integrations and training — done by our team.
Yes. Ready integrations exist for 1C, bank-client, NAPP, Didox, payment systems and more. Data from your current software is migrated during implementation.
Where is our data stored?
On your company’s servers or in a dedicated cloud you choose. Every client gets a separate installation — your data never mixes with other companies’.
How long does implementation take?
It depends on the modules, integrations and the volume of data to migrate. After the analysis we’ll give you a plan with exact timelines.
Does it meet NAPP and regulatory requirements?
Yes. Policies are sent to the NAPP registry automatically; e-agent requirements and regulatory report forms are built into the system.
Can we take only some modules?
Yes. Start with the modules you need and expand at any time.
How is staff trained?
The system includes video lessons and tests. Before go-live we run hands-on sessions for each department.
Can I apply via Telegram?
Yes. With @eiosinsurance_bot it takes a minute — our manager will contact you shortly.
Demo
See EIOS on your own processes
In a short meeting we’ll walk through the system using your company’s processes and propose an implementation plan.
