Insurance

Industry expertise for insurers navigating digital transformation

Digital Pioneers With Grown Complexity

Insurers rank among the most digitized enterprises in any industry – and have for decades. The insurance sector invested heavily in automation and IT early on. The result: powerful, historically grown system landscapes with defined processes, specialized calculation engines, and information management unmatched across industries in depth and reach – from input management and claims routing to fully integrated partner connectivity.

At the same time, insurers face significant competitive and regulatory pressure, must defend against cyberattacks, and need to drive down cost ratios consistently – claims, distribution, administrative, and IT costs determine market position. Beyond operational efficiency, the ability to differentiate is increasingly decisive: short innovation cycles and fast time-to-system for new products and services create real competitive advantages. Organizations that combine both – efficient core processes in policy administration, claims processing, and partner connectivity with rapid innovation in product design and customer communication – achieve lasting differentiation.

Sub-Segment Expertise

Life Insurance

Long-running contracts, complex tariff logic, and regulatory reporting requirements (Solvency II) make life insurance IT among the most challenging to modernize. Preserving decades of certified business logic while enabling modern analytics and customer portals requires deep actuarial and technical understanding – and an incremental approach that avoids big-bang risk.

Health Insurance

Health insurers face distinct challenges: real-time claims processing, provider network management, and digital health integration. STP optimization and targeted process automation can reduce claims processing from days to minutes, freeing capacity for complex cases that require human judgment.

Property & Casualty

P&C insurers need speed – fast product launches, real-time pricing, and efficient claims handling. Modernizing tariff engines and claims systems compresses product innovation cycles to weeks, turning IT from a bottleneck into a competitive lever.

Mastering the Insurance Technology Stack

The insurance IT landscape spans a wide range of interconnected systems, each with domain-specific complexity:

Calculation Engines

Legacy tariff and pricing engines, often COBOL-based, containing decades of certified actuarial logic that must be preserved through any modernization.

Portals

Agent and customer self-service platforms that need to be modern, fast, and tightly integrated with core systems.

BiPRO Interfaces

Industry-standard data exchange formats (BiPRO/GDV) requiring deep protocol-level expertise for reliable partner connectivity.

I/O Management

Document input/output processing, from scan/OCR to intelligent document classification and automated routing.

Workflow Systems

Claims processing workflows, underwriting pipelines, and approval chains – often the backbone of operational efficiency.

Partner Systems

Broker management, reinsurance interfaces, and ecosystem integrations connecting insurers with their distribution and risk-transfer networks.

Our Insurance Offering

We combine deep insurance-domain knowledge with engineering capability across six core areas:

Core System Modernization

Incremental renovation of COBOL/PL/I policy administration and claims systems – preserving certified business logic, improving maintainability, and reducing dependency on retiring specialists. AI-accelerated migration compresses timelines from years to quarters.

Claims Automation & STP

End-to-end straight-through processing that brings cycle times under 5 minutes (industry average: 72 hours). Dark processing for standard claims, intelligent exception routing for complex cases, real-time monitoring dashboards for continuous optimization.

AI Integration

Fraud detection with behavioral analytics achieving 20–40% improvement in identification rates. Intelligent document processing for claims intake and correspondence. AI-powered underwriting support, seamlessly integrated into the existing system landscape.

DORA Compliance

ICT risk management assessments, resilience testing, and third-party oversight – grounded in code-level analysis of the actual systems. Regulatory requirements integrated into technical delivery as first-class concerns.

Managed Operations with Continuous Modernization

SLA-based application management for core insurance systems – with reserved modernization capacity in every engagement. Incident volumes decrease quarter over quarter because root causes are permanently eliminated.

Digital Platforms for Policyholders and Agents

Customer self-service portals for policy management, claims tracking, and document access. Agent platforms with real-time tariff calculation, portfolio overview, and integrated BiPRO connectivity. Mobile-first design with enterprise-grade security.

Our Insurance Experts

Personal contacts with deep expertise in the insurance industry.

Jonathan Streit

Jonathan Streit

Senior Analyst & Principal Engineer

Roland Hildebrandt

Roland Hildebrandt

Lead Engineer & IT Strategy Consultant