One Inc launches MCP to speed secure AI integration for insurance payments
February 5, 2026
One Inc has introduced Model Context Protocol (MCP), an open protocol that lets insurers connect their own AI assistants-such as Claude, ChatGPT Enterprise, and Microsoft Copilot-directly to One Inc's payments platform with strict security and governance.
What MCP means for insurance carriers
- Faster go-live for PremiumPay and ClaimsPay through AI-assisted integration and automated testing.
- Less manual lift across onboarding, QA, and documentation via AI-driven code generation and validation.
- On-demand insights, advanced reporting, and AI-generated analysis aligned to business requirements.
- Tighter control of fraud monitoring and exception handling by combining payments data with internal systems and models.
Enterprise-first by design
MCP runs inside your company's IT-approved AI environment. Data access is permissioned, authenticated, and fully auditable, with credentials managed under existing security structures.
AI assistants interact with One Inc only through governed APIs. That keeps data flow and behavior within defined boundaries while preserving compliance and oversight.
Why this approach matters
Traditional vendor-hosted AI features often keep analysis locked inside their platforms. MCP flips that. Insurers can securely blend One Inc payments data with internal policy, claims, and fraud systems-without giving up control.
The result: faster integration, deeper visibility, and the ability to iterate on payment workflows using the AI stack you already trust.
How MCP enhances PremiumPay and ClaimsPay
- Developers: AI-generated code snippets, documentation, schema checks, and automated tests to accelerate deployment.
- Business teams: Secure, near real-time access to payments trends, loss ratio signals tied to disbursements, and configurable reporting.
"MCP is a meaningful step forward for our customers. Our clients depend on One Inc to innovate with insurance-grade data security in mind. By enabling AI-driven, near real-time access to critical payments data, we are empowering carriers and developers to work more efficiently, accelerate deployment, and establish a new standard of trust across the insurance industry." - Ian Drysdale, CEO, One Inc
Standards and interoperability
MCP is an open protocol that aligns with how enterprises want to run AI: inside their own guardrails, with clear audit trails and API governance. For technical context on MCP as a standard, see the public specification from Anthropic's community resources here.
Practical steps for insurance teams
- Security and compliance: Validate MCP's permissioning and audit logs against your access control policies.
- Data integration: Map payments objects to claims, policy, and fraud data models to enable cross-domain analysis.
- Developer workflow: Pilot AI-assisted build and test for a narrow use case (e.g., claims disbursement exceptions) before expanding.
- Change management: Define clear prompts, review checklists, and rollback plans for AI-generated code and reports.
Where this can deliver quick wins
- Claims: Faster disbursement setup, exception triage, and reconciliation with fewer handoffs.
- Premiums: Cleaner billing workflows, reduced call volume through AI-guided insights, and improved reporting for finance.
- Risk and fraud: Combine payments signals with internal telemetry to flag anomalies earlier.
If your teams are building AI skills for payments, claims, and operations, you can find role-based training options here.
Your membership also unlocks:
