Indian insurance is entering its most consequential technology shift since the move from paper-based to digital workflows. The difference this time is architectural. Insurers are no longer bolting artificial intelligence onto legacy systems as an add-on feature. They are rebuilding their core platforms with AI at the centre, fundamentally changing how policies are underwritten, priced, and serviced. This transition from AI-as-add-on to AI-native architecture will reshape competitive dynamics across the industry within the next three to five years.