Comarch Health Insurance

Problem

Health insurance is of growing interest to customers. The difficult situation of the public health services is an advantage to insurance and subscription companies. Insurers are offering more and more attractive health insurance plans and an ever wider range of products.

Challenge

The variety of insurance products, the expanse of the insured object, as well as the multiplicity of partners, acting as liquidators of medical claims and a large number of insured parties requires efficient management of these complex products and insurance processes by the insurance company.

Solution

Comarch Health Insurance is a stable and efficient solution to all health service policies. The most important aspect supporting health insurance maintenance is the communication provided by the medical service provider. Comarch Health Insurance provides a rapid and easy exchange of information through internet portals.

Among the Comarch Health Insurance solutions the following key areas can be distinguished:

• defining insurance products - quick and easy definition of new health insurance products
• management of cooperation with medical partners - recording cooperating medical institutions, assigning insurance products and costs, determining the principles of accounting
• information exchange with medical institutions - information flows through integration with a partner's medical system or through an internet portal – once you select the web portal as a tool to communicate, the product gains an additional advantage which is to launch the portal for the insured and medical partners
• support of integration with financial and accounting system - a flexible definition of a set of data exchanged between the manufacturing and accounting system
• support reporting - use of the available database of reports, including reports to the supervisory authorities and the construction of one’s own operational and aggregate reports for managers on the basis of aggregated data.

Business and Operational Benefits

• Shortened launch time of new products on the market
• The wide flexibility of Comarch solutions and open interfaces to other systems can shorten the time of placing new insurance products in the offer.
• A higher quality of collaboration with market participants
• The innovativeness of Comarch solutions has a positive influence on the satisfaction of the insured and medical partners.
• Reducing operating costs
• The automation of handling health insurance can save time, avoid errors in charging the policy with damages and prevent insurance crimes.
• A flexible approach to implementation and integration
• System architecture is modular, so it is possible to separate different functionalities in order to integrate it with customers’ systems.

The benefits for business managers

• By communicating with medical facilities, a more effective control of costs related to claim settlements and support of the decision-making process for product cost management is possible.
• Growth of competitiveness
• Releasing a web portal to the insured and service providers allows you to increase competitiveness on the insurance market.
• Rapid response to market changes
• Comarch Health Insurance is a solution that guarantees the implementation of not only current but also future customer expectations for the creation of new products in an advanced system that adapts to evolving reporting requirements of regulators.