Development of a Scalable Digital Insurance Platform with Advanced Business Rules and External Integrations

A leading insurance broker operates in a highly competitive market, handling over 300,000 insurance requests annually. The organization faces challenges in delivering a fast, reliable, and accessible digital experience across all devices, integrating with existing backend infrastructure, and complying with complex legal and policy regulations. Customer expectations demand real-time calculations, straightforward policy management, and secure identity verification, all supporting scalable growth and operational efficiency.

A large insurance brokerage firm seeking to modernize its customer-facing digital platform, serving hundreds of thousands of policyholders annually and requiring seamless integration with backend systems and external verification platforms.

• Develop a scalable, robust, customer-facing insurance platform capable of handling hundreds of thousands of requests annually with high reliability.
• Implement real-time insurance package comparison, calculation, and claim submission functionalities to enhance user experience.
• Integrate seamlessly with existing backend systems (such as Oracle-based infrastructure) to leverage current IT investments.
• Build an advanced business rules engine aligned with local and EU legal requirements to ensure compliance and flexibility.
• Enable secure user authentication via national ID verification systems to streamline onboarding and identity validation.
• Create PDF generation and processing capabilities for policy documents, invoices, and declarations.
• Design an intuitive, modern, and reactive UI accessible on all devices, optimized for mobile usage.
• Implement a call center interface with direct access to customer accounts to enhance support capabilities.
• Ensure a secure, monitored, and compliant infrastructure with backup policies aligned with ISO and ISAE standards.

• Integration with existing backend systems for data synchronization and transaction processing.
• Advanced business rules engine capable of handling complex legal, policy, and procedural logic.
• Real-time insurance quote calculation, comparison, and package selection modules.
• Secure user authentication integrated with national identity verification platforms.
• PDF document creation and processing for policies, invoices, and declarations.
• User-friendly, reactive UI accessible across desktop, tablet, and mobile devices.
• Call center interface with direct customer account access for support operations.
• Monitoring, backup, and security protocols to ensure compliance with ISO and ISAE standards.

• Existing Oracle backend systems for data and transaction management
• National ID Verification Platform for secure user authentication
• External data sources for insurance pricing, legal and regulatory compliance
• Document management systems for PDF processing

• Platform must support processing of over 380,000 claims annually with minimal latency.
• Ensure system reliability and uptime, supporting seamless user experiences across devices.
• Security measures to protect sensitive personal and policy data, including encryption and access controls.
• Compliance with ISO and ISAE standards for infrastructure and data handling.
• System scalability to accommodate growth in user base (estimated 15% increase in insured persons).
• Cost reduction targets, aiming for at least 25% decrease in ongoing maintenance expenses compared to legacy systems.

The new insurance platform is expected to handle over 320,000 insured persons annually, generate approximately 1.2 million invoices, and process around 8.9 million PDF documents. It aims to increase the insured customer base by 15%, reduce maintenance costs by 25%, and support 380,000 claims per year, thereby strengthening the organization's market position through enhanced customer satisfaction and operational efficiency.