What the sources show
Cover for both home and health.
Home insurance and health insurance are present in the example portfolio.
Neutral intelligence layer
The whole insurance portfolio. Even what's missing.
With the household's consent, Forsio retrieves the policies from the insurers, reads the terms and flags coverage gaps and overlaps. Neutral, and traceable to the source data.
Signed consentEU storage (Stockholm)Encryption in transit and at restFrom terms to clarity.
01Insurance documents
From insurers03 policies
With the customer's BankID consent
Uploaded document01 policy
Shared by the household
Via the employer01 policy
From the benefits catalogue
5 sourcesDifferent ways in
Neutral intelligence layer
Reads. Compares. Cites.
Independent of insurers.
02Analysis with source references
What the sources show
Travel cover in two places.
Travel cover is included in the home policy and held separately. The same loss is paid once.
Select an outcome. Trace it to the source.
Illustrative analysis · Example household
Independent analysis
No insurance sales. No commission.
For householdsTheir own insurance pictureFor institutionsInsights according to role and permissions
Fetch your policies directly from the insurers below, or upload your policy document.
Forsio is independent and has no commercial arrangement with any insurer. Forsio is not an insurance intermediary and does not provide insurance advice.
Forsio Intelligence Engine
See it in full. Trust what you see.
The same household as in the example above, and the same engine that sits under every application on this page. What you get out of it is the same whoever did the inviting.
Follow the analysis, step by step
Everything in one place. Whichever way in.
The household gives consent with BankID, uploads a policy document, or holds a benefit through the employer. All three routes land in the same portfolio.
ConsentSigned with BankID
The consent belongs to the household and can be withdrawn at any time.
5 of 5Read, not guessed. Down to the wording of the terms.
A language model reads the actual insurance documents. Amounts, deductibles and exclusions. Every value carries the passage it came from, or says that it does not.
Document extractionHome terms · example
Policy terms · page 12
§2.1“Property is compensated up to a maximum of 1 200 000 SEK per claim event …”
- Sum insured
- 1 200 000 SEKHome terms · §2.1
- Deductible
- 1 800 SEKHome terms · §7.4
- Travel cover
- 45 daysHome terms · §9.2
- Liability cover
- IncludedHome terms · §4.2
Green marking in the text = the passage the value came from.
4 of 4 fieldsKnows what is missing. And what is covered twice.
Gaps are flagged against the terms. Overlaps are judged by class of insurance: two indemnity policies pay for the same loss once, two personal policies both pay out.
Coverage analysis5 policies · 5 categories
| Category | Basis | Assessment |
|---|---|---|
| HomeInsurer A · 1 200 000 SEKBankID | Insurer A · 1 200 000 SEKBankID | Covered |
| HealthGroup agreement · care and rehabEmployer | Group agreement · care and rehabEmployer | Covered |
| AccidentInsurer B 500 000 SEK + Insurer C 600 000 SEKBankID | Insurer B 500 000 SEK + Insurer C 600 000 SEKBankID | Cumulative |
| TravelOwn travel policy + included in HomeUploaded document | Own travel policy + included in HomeUploaded document | Overlap |
| Life— | — | Gap |
Travel cover sits in two policies. The same loss is paid for once.
Source · Home terms §9.2, Travel terms §1.1Accident cover sits in two policies. Both pay out on the same event.
Source · Accident terms (Insurer B) §3.1, (Insurer C) §5.2The gaps are categories the household has none of at all. Not weak terms.
1 gap · 1 overlap · 1 cumulativeOne household. All the way through the engine.Illustrative example
Forsio is independent and has no commercial arrangement with any insurer.
Neutrality
This is what Forsio stands behind.
Independence is easy to promise. What makes the promise worth anything is that it follows from how the engine is built: the rules are the same whoever is asking, and there is no way around them.
Fixed licence. Never commission.
The analysis describes, you decide
The engine shows what is there and what is missing, with a reference to the terms. What happens after that is your call.
The same outcome whoever is paying
The same analysis rules apply to the same evidence, regardless of who pays or displays the result. Different evidence and permissions can produce different views.
The yardstick is the terms
The analysis uses policy terms and available information. Missing evidence is identified. Price does not determine how cover is described.
The analysis ends with you
The next step is yours, or your advisor's. Forsio is where the underlying material runs out.
A fixed licence is the whole of the revenue
Forsio is paid for the software, never for an outcome. There is no mechanism to pay through in order to be seen.
Applications
One engine, several views.
The analysis is the same in every case. What differs is who does the inviting, and who gets to see the result.
Different contexts. The same analysis.
Always linked to the source.Choose your application
An advisor workspace for individual member reviews.
Read moreA private overview for employees. Aggregate reporting for you.
Read moreIndependent analysis for your employer clients.
Read moreMembership cover and personal policies, in the member’s own view.
Read moreThe engine in your own product.
Read moreThe household's own picture of its cover.
Read moreThe mission
Why the layer has to exist.
Pensions have a single consolidated view. Insurance has no equivalent of minpension. Coverage data has no rails: no party holds the whole picture of what a household is actually protected against.
The consequence is that gaps and duplicated premiums stay invisible. Not because anyone hides them, but because the information is never gathered in one place and read as a whole.
That is why independence is not a posture but the business model. Forsio is paid through a fixed software licence, never commission, and never sells insurance. No party can pay to show up better in an analysis.
Why it is hard
The hard part is the thankless part.
A household's policies sit with several insurers, in documents with no common format. That is not an interface problem.
01The groundwork
No standard to lean on
There is no common format for what a policy covers. The information sits in documents that each insurer writes in its own way, and that change.
02The groundwork
Depth in the actual Swedish terms
Reading the terms properly, down to amounts, deductibles and exclusions, is a different thing from reading a simplified model of them.
03The groundwork
Corrections that accumulate
Corrections need to be checked against the source before they can improve the analysis. Reliability requires insurance knowledge and ongoing review.
A demo of the interface can be built in a weekend. The layer underneath it cannot.
7
insurers to fetch from directlyBankID
signed consentCited to source
analysis against the termsFixed licence
never commissionWant to see how Forsio fits your organisation?
Get in touch and we will go through what you need to know. We come back within three working days.
Forsio is not an insurance intermediary and does not provide insurance advice.