For some time now, the insurance industry has adopted AI in fragments — a fraud model here, a claims bot there, an underwriting score somewhere else. Most of these initiatives succeed in isolation. Yet, when insurers attempt to scale them across a business line or a policy lifecycle, they confront a surprising bottleneck: the problem is not the model; the problem is the system around it. India’s insurance sector is at a pivotal point. Digital adoption is strong, regulators are encouraging...