Planetun doubles down on AI as remote inspections become the default in Brazil
Brazilian insurtech Planetun didn't plan to be the go-to inspection tech for carriers and lenders. Two decades of building, breaking, and rebuilding got them there. The company is now pushing deeper into AI because demand for remote checks never dropped after the pandemic. Once insurers tasted digital workflows, clipboards were done.
What Planetun built (and why it stuck)
Planetun started with browser-based apps that let customers submit inspection data from their phones. Those tools evolved into a platform that looks more like messaging infrastructure than old insurance software. Today it connects carriers, customers, and vendors in one place-and removes the dead time between steps.
- 8 million+ inspections logged since 1996
- 1.2 million+ vehicle inspections
- Risk-acceptance windows reduced by up to 85%
- Cost cuts up to 60% in auto programs; up to 80% in some operations
- Partners include major Brazilian carriers, with expansion across LatAm
- Expects a 50% boost as open-insurance rules spread
Underwriting speed without guesswork
The platform trains models on behavioral signals and risk profiles so underwriters can move faster with clearer data. If a user hesitates or an image looks off, the workflow nudges the next best step. Less back-and-forth, fewer reworks, more decisions that hold up.
The next leap: digital acceptance with no human in the loop for low-risk cases. The AI grades pre-inspection data, compares it with stored behavior, and decides whether a policy can progress. A few years ago that idea scared carriers. Now they're asking for ship dates.
Two keystone products: Digital Acceptance and the Provider Hub
Digital Acceptance moves simple risks through underwriting automatically. Think small auto or property segments where documentation and photo evidence are consistent. Humans focus on exceptions, not routine approvals.
Provider Hub offers a one-integration connector for national inspection and residential-claims vendors. It pulls vendors out of spreadsheets and into a structured pipeline so ops teams get visibility, timestamps, and SLAs in one place.
Culture: climb the messy route, hit the summit
Founder and CEO Henrique Mazieiro compares the work to mountaineering-practical resilience, lead by example, team first. He's clear on the mission: make insurance simpler, safer, and more sustainable through technology and purpose.
Planetun's internal rule is straightforward: develop people. Each employee has their own "summit" to reach, and the company designs work to help them get there. It's not a tidy roadmap, but it keeps the team moving.
Why this matters for insurers
Digital inspection and automated acceptance aren't hype-they're margin. Faster risk decisions, fewer manual touchpoints, and measurable drops in loss-adjustment and ops overhead. As Brazil's open-insurance standards mature, shared data layers reduce rework and integration drag.
If you're aligning with open-insurance in Brazil, track SUSEP updates and certify integrations early to avoid rework later. Reference materials: SUSEP's Open Insurance.
How to pilot this in your shop
- Pick one high-volume flow (e.g., pre-inspection for auto) and define acceptance thresholds for no-touch decisions.
- Use a small cohort for the first 60-90 days. Track cycle time, acceptance rates, leakage, and FNOL impacts.
- Feed every exception back into the model. Tighten criteria weekly; expand the cohort only when KPIs hold.
- Consolidate vendors via a single connector to remove email/spreadsheet drift and improve SLA compliance.
- Set clear audit trails for every AI decision. You'll need them for compliance and dispute handling.
Where Planetun goes next
Antifraud models are getting more behavioral, not just document-based. Predictive risk scoring is shifting from what underwriters think users do to what users actually do. If results keep trending the way carriers report, Planetun will keep absorbing more of the stack.
If your underwriting or claims teams need practical AI upskilling to support these shifts, see this curated list: AI courses by job role.
Bottom line: less friction, faster yes/no decisions, and ops that scale without adding headcount. That's why carriers keep knocking.
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