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Business Solutions · Insurance

Insurance, digitised and driven by data.

Digitise underwriting and claims, accelerate payouts and steer loss ratios, with data and automation built for insurers.

Digital underwriting
Automated claims
Faster payouts
Insurance industry challenges

An industry under document and regulatory pressure.

Policies, claim documents, compliance requirements and policyholder expectations — insurers must handle growing volumes while cutting turnaround times and costs.

Document volumes

Policies, endorsements and claim files pile up across scattered channels, hard to retrieve and to trace.

Underwriting and claims turnaround

Every manual step stretches time to policy and claim settlement, at the expense of the customer experience.

Compliance and traceability

Duty of advice, GDPR and legally binding archiving demand a reliable audit trail across the whole chain.

Fraud and cost control

Fraud detection and loss ratio steering drive profitability and policyholder satisfaction alike.

Our building blocks for insurance

Four building blocks, one end-to-end insurance journey.

The same Business Solutions foundations — EDM, automation, governance and analytics — applied to the insurer's real-world use cases.

EDM · Document management

Digitise policies and claims

  • Paperless policies, endorsements and claim files
  • Multichannel document capture and automatic data extraction
  • Legally binding archiving and e-signature of policies
Explore EDM
Automation & RPA

Automate underwriting and claims

  • Underwriting and claims handling automated end to end
  • Checks, business rules and follow-ups run by software robots
  • Faster payouts through straight-through processing
Explore Automation & RPA
Data Governance

Trust your customer and policy data

  • Clean, deduplicated customer and policy master data
  • Traceability, data quality and GDPR compliance
  • A unified policyholder view for every business line
Explore Data Governance
Business Intelligence

Steer your loss ratio

  • Loss ratio and technical ratio steering
  • Fraud detection and scoring of high-risk claims
  • Regulatory reporting and actionable dashboards
Explore BI
Illustrated use case

From first notice of loss to payout.

A continuous journey where EDM captures, automation executes and data decides — with no friction for the policyholder.

MF

Maya Feri reports a windscreen claim on a Sunday evening from her policyholder portal. Her file moves forward on its own, step by step, all the way to the payment.

  1. 1

    First notice

    Maya files her claim online, with photos attached.

  2. 2

    Document collection

    Documents are captured, read and indexed automatically.

    EDM
  3. 3

    Checks & rules

    Cover, deductible and consistency verified by software robots.

    RPA
  4. 4

    Assessment & decision

    The file is scored and routed to the right decision.

  5. 5

    Payout

    Settlement is triggered and the payment executed.

    RPA
  6. 6

    Follow-up & satisfaction

    Maya tracks her file and rates the journey at the end.

Before 15 to 20 days of processing After 4 to 5 days, a 100% paperless file
What it delivers

Measurable gains for insurer and policyholder.

Less manual handling, shorter turnaround times and reliable data — benefiting profitability and the customer experience alike.

Faster underwriting

A fully digital journey, from quote to e-signature.

Frictionless claims

Collection, checks and decisions automated, with no re-keying or breaks.

Compliance under control

Legally binding archiving and an audit trail across the whole chain.

Fraud detected

Scoring of high-risk files and alerting on weak signals.

Loss ratio steered

Technical ratios and reserves tracked in real time by BI.

Happier policyholders

Transparency, online tracking and faster payouts.

−50%
Claim settlement time
−35%
Processing costs
100%
Paperless files
+20%
Policyholder satisfaction
Partners & references

Proven platforms for insurance.

We integrate and operate your document and automation foundation with the market's leading vendors.

IBM OpenText BMC
Explore other industries

The same building blocks, applied to every industry.

An insurance project to digitise?

From underwriting to claim settlement, we speed up your journeys and make your data reliable. Leave us your details and an expert will get back to you.