Policies become programmable entitlements

Insurance policies as structured containers. Coverage sections as machine-readable entitlements. Claims and disputes as controlled state transitions. Built for insurers, MGAs, and brokers — and the AI agents that will work alongside them.

policy-entitlement.json
{
  "type": "insurance.policy",
  "product": "travel_comprehensive",
  "state": "active",
  "entitlements": [{
    "coverage": "medical_expenses",
    "limit": 10000000,
    "excess": 100,
    "currency": "GBP",
    "claimable": true
  }],
  "machine_readable": true
}
// the problem

Insurance runs on PDFs, email chains, and guesswork.

Policy wording trapped in documents. Coverage rules buried in legalese. Claims handled through email threads and spreadsheets. Nothing is machine-readable. Nothing is programmable.

Today's reality

  • Policy wording locked in PDFs nobody reads
  • Coverage rules interpreted manually, inconsistently
  • Claims processed through email chains and phone calls
  • Disputes tracked in spreadsheets, resolved by memory
  • AI agents can't read, interpret, or transact on any of it

With MintPass

  • Policies as structured entitlement containers
  • Coverage sections with explicit rules, limits, and triggers
  • Claims as controlled state transitions, not threads
  • Disputes as first-class objects with tracked evidence
  • API-first and machine-readable — built for AI agents
// how it works

Three primitives. One standard.

01

Policy = Container

A policy becomes a programmable entitlement container. One object governs the entire contract — product type, policyholder, validity period, and every coverage section nested inside.

02

Coverage = Entitlement

Medical expenses, cancellation, baggage, delay — each coverage section is a structured entitlement with explicit scope, limits, excess, eligibility triggers, and exclusions.

03

Claims = Transitions

A claim is a state transition against one or more entitlements. Eligibility checking, limit calculation, excess application, evidence submission — all structured, all auditable.

// built for

For everyone in the insurance value chain

I

Insurers

Model your entire product catalogue as programmable entitlements. Automate eligibility, limits, and claims processing through structured rules.

M

MGAs & Underwriters

Define coverage as machine-readable entitlements with clear scope, triggers, and constraints. No more ambiguity in delegated authority.

B

Brokers & Distributors

Compare, bundle, and distribute coverage programmatically. Give customers transparency on exactly what they're entitled to.

A

AI Agents

Machine-readable policies that AI can interpret, compare, and transact against. No PDF parsing. No guesswork. Just structured data.

Open Banking standardised money. MintPass standardises insurance.

Every policy. Every coverage section. Every claim. Structured, programmable, and machine-readable. The entitlement engine the insurance industry has been waiting for.