Unsere
Partner

Addresscloud is a multi-award-winning location intelligence platform serving the global insurance market. We provide leading insurers, MGAs and coverholders with APIs and applications to make better underwriting decisions. Addresscloud’s platform provides real-time data integration and APIs that allow seamless incorporation of their geospatial data into clients‘ existing systems
From capturing an accurate address to pre-filling quotation forms, understanding peril and climate risk and avoiding expensive accumulation issues, Addresscloud has you covered.

• Accurate Geocoding: Ensure precise location data for every insured property, minimising errors in risk assessment and claims processing
• Comprehensive Property Data: Access detailed information about insured properties, including proximity to hazards and other relevant factors, aiding in thorough risk evaluation
• Peril Scores: Utilise scoring systems to assess the likelihood and severity of various perils, such as Flood, Wind Fire and Subsidence, enabling better-informed underwriting decisions and pricing strategies
• Accumulation Management: Manage exposure accumulation across portfolios by analysing geographic concentrations of risk, mitigating potential losses, and optimising risk distribution strategies

Akur8 leverages the power of Machine Learning & predictive analytics to inject game-changing speed and accuracy to insurers’ pricing process. The solution supports pricing experts at every step of the pricing process, generating significant efficiency. From data processing and visualisation to exporting final models, Akur8 provides a comprehensive modular approach to pricing built around three main modules:
1. Risk – to build technical models and pure premiums
2. Demand – to build behavioural conversion and retention models and measure price elasticity
3. Rate – to iterate on rate plans (commercial premiums) and run portfolio analyses

• Speed – Make your pricing process 10x faster
• Performance: Improve the predictive power of your models
• Transparency: Ensure full compliance with local regulation

The joint Sapiens and Albany Group solution brings the ability to channel complex workflows and supplier management into a single, simple to implement and easy to use platform. Suppliers include third party admin (TPA), claims adjusters and experts, lawyers, underwriting brokers and even IT contractors. They also include contractors such as plumbers, builders, car mechanics and repair shops. Conect™ automates, streamlines and makes sense of supply chain complexity — to embed oversight, confidence and compliance. Integration of Conect™ with Sapiens core systems provides end-to-end performance, regulatory and operational control of supply chains, so that third party providers access to the insurer systems is according to their status in the Albany Group system. Code-free, Conect™ is rapidly deployable, customisable and scalable within departments, throughout companies and across markets.

•  CONTROL – Risk intelligence technology that puts you in control — to save time, reduce costs and automate regulatory compliance
•  INSIGHT- Harness trusted data, cross-sector expertise and intelligent analysis for complete oversight, performance management and audit of your supply chain
• SIMPLICITY – Code-free configuration and intuitive screens ensure that Conect™ simplifies the most complex processes

Bdeo develops Visual Intelligence, a specific type of Artificial Intelligence. It helps streamline the underwriting and claims management processes for motor and home insurance companies, as well as fleet management companies, reducing underwriting and claims handling times from weeks to minutes. We do it by enabling an AI-powered inspection where evidence is collected via photo/video, damaged parts and severity are detected immediately and recommendations of next steps are offered to the insurer based on their rules.This helps them increase satisfaction among new customers, who are expecting a digital, fluid experience, and reduce management costs. Bdeo’s goal is to transform the insurance and fleet management industries and the way they engage with their customers.

• Cost reduction
• Time reduction
• Streamlined processes
• Improved user experience

As a B2B company, Binah.ai provides the Insurance industry with an AI-powered, 100% software solution (SDK) they can easily integrate into their app or workflows to allow clients monitor health parameters, just by looking at the camera of a smartphone, tablet or laptop camera – anytime they need, anywhere they are, in only one minute. End-users are able to extract a wide range of health parameters such as blood pressure, heart rate, heart rate variability, oxygen saturation, respiration rate, mental stress, relaxing ability and more, and share this important health data with their insurers so they can better support their care, wellness and health improvement efforts.

• Enhance wellness programs success using members’ objective health data
• Streamline and empower underwriting and STP with remote, real-time health and wellness monitoring
• Better assess risk and increase prevention
• Lower operational costs (no need for wearables, less human time spent on health assessments)

A robust document classification and Digital Mailroom (DMR) automated system is designed to automatically classify incoming documents based on any required hierarchy, content, or schemes on a case-by-case basis. The solution employs advanced document understanding technologies, including optical character recognition engines, optical mark recognition, and barcode recognition, to process structured, semi-structured, and unstructured forms in most common languages.

• Significant labor cost savings and a rapid return on investment
• Immediate enhancements in data accuracy, routing precision, and data capture speed
• Much faster response times to customer inquiries
• Automatic prioritization of urgent customer requests using natural language processing
• Over 20 years of technology leadership in OCR, AI, NLP, automated machine learning, and document understanding. Billions of insurance-related forms,
  payments, invoices, personal KYC, and various other documents have been processed using FormStorm technologies

Charlee.ai is an artificial intelligence based predictive analytics patented solution that helps reduce litigation and severity expenses while efficiently reserving claims. Charlee helps prioritize claims with high risks such as litigation, suspected fraud and non-compliance along with deep claim insights to help operational team streamline their workflows. Charlee is a secure, cloud-based and SOC 2 compliant web-application with custom dashboards and KPIs providing easy upload of data via SFTP or APIs.

• Charlee leverages our patented and proprietary natural language processing (NLP) and machine learning models to extract deep insights from structured and unstructured data and predict litigation and severity
• Charlee predicts litigation and attorney involvement starting at first notice of loss (FNOL) and 90-120 days prior, enabling workflow prioritization
• Charlee predicts severity in various ranges (low, medium and high with dollar amounts dependent on machine learning) allowing for fast tracking and insights-based assignments
• Charlee provides claim level alerts and red flags based on deep learning of unstructured and structured claims and policy data for developing investigation action plans
• Charlee provides claims and risk portfolio including operational metrics, reserving patterns and high-risk trends correlating to NLP based tagged topics

The current supplemental insurance application process can be frustrating for insureds, agents, underwriters, and everyone in between. AppEase improves both the experience and the outcome. The user experience is designed with underwriters to insureds in mind to enhance satisfaction and efficiency, especially on renewals.

• Reduce sales cycle (~80%) by collecting apps data electronically
• Ease of doing business/competitive advantage significantly improved
• Provides data availability for analytics
• Removes redundant data entry and quicker quotes and indications

DocFusion® enables you to turn regularly used documents and forms into intelligent templates for customer communications management
DocFusion’s drag-and-drop template designer makes template authoring easy and maintainable with drag-and-drop mapping, visual rule-building dialogues, offline template preview capabilities with test data, native connectors to multiple data sources, digital signature support and much more.
DocFusion also features an enterprise-grade central template repository with role-based access, version control and full auditing capability. Documents can be generated on-demand or in batch with the option to connect to our high availability and highly scalable cloud environment.

• Document composition, automation and governance
• Hyper personalized claims and policy correspondence
• Compliance and risk management
• Preservation of corporate identity
• Template libraries for re-usable content
• Pre-build connectors (data push or retrieve strategy)
• On-premise, cloud or hybrid

Doxci is a simple tool that makes enterprise document processing as easy as a drag and drop.Doxci uses AI, NLP and RPA to automatically ingest documents, read them well enough to establish contextual reasoning, and complete the tasks associated with the contents. It can perform simple tasks like converting unstructured data to a structured format for compliance purposes, or more cognitive-intensive processes such as completely automating the submission of small and mid-sized commercial insurance lines. It’s basically 100,000 paperwork employees in 1.

• Converts messy unstructured data to a structured format
• Automates entire workflows so that it functions less like a tool and more like an employee
• Faster, cheaper, more accurate and more consistent than humans, freeing them up for higher value work
• Able to process everything from simple invoices to analyzing lengthy contracts (hundreds of pages) for contextual discrepancies
• Increased monthly revenue over 20% for one of our clients

The joint Earnix and Sapiens solutions uses Earnix for the quoting process on Sapiens’ system. It provides an end-to-end pricing and product personalization software suite, driven by world-class data science, analytical modeling tools, and integrated machine learning. The Earnix suite replaces fixed pricing tables with dynamic pricing API. With the dynamic pricing and product personalization solution, insurers ensure they are offering the right product, at the right price to the right person.

• Rapid personalization of both claims and policy correspondence reduce cycle times by utilizing previously generated templates
• Easy access to a central repository of templates, plus automated data and content prefill document templates, save agents time
• Built-in document preview capability during authoring facilitates a quick turn-around from edit to production

ECHO for Property and Casualty allows one system for automating payment processing, delivery of real-time reconciliation status updates, and making informed decisions with up-to-date payment information. With connectivity to nearly every medical claim clearinghouse, more than 1.6 million providers in our network, and $180B in claims paid in the past 12 months, ECHO enables a seamless workers comp payment program that isn’t available anywhere else in the market. ECHO delivers claimant satisfaction with multiple payment options and automated preferences. Our seamless integration reduces costs, increases efficiencies, and allows simple revenue-sharing opportunities.

• Integration: Empower your team with access to comprehensive digital payment capabilities, including real-time updates, directly within your system
• Automation: Pay claims faster with a solution built to handle insurance companies’ specific use cases and workflows
• Reconciliation: Save valuable time with automated reconciliation, making reconciliation at the group and sub-group level easy and hassle-free
• Flexibility: Provide your team with a flexible, secure application tailored to fit your unique needs, use cases and workflows
• Scalability: Implement a solution designed to scale and grow with your evolving business needs and across lines of business

F-Secure provides insurers with a solution to protect and advise their private and small business customers including separate Cyber app (partner branding possible) and also via SDK’s and API’s

• Become more relevant
  By including digital security elements protecting your customers’ and their families’ digital moments online and increasing the touchpoints to your customers
• Differentiate
  Drive sales growth by including complete digital security in your offering to protect your customers’ every digital moment, their identities and their devices
• Increase loyalty
  Enhance your customers’ experience with engaging services they’ll use not just when there’s a claim, but in their everyday lives and become more relevant to your customer
• Reduce insurance claims
  With F-Secure award-winning solutions which will prevent majority of threats from happening and clearly decreasing claims and contacts

ForMotiv’s behavioral data science platform runs real-time machine learning models on tens of thousands of digital behavioral data points captured during the digital application process to instantly and accurately predict the intent of the end-user. ForMotiv identifies high-risk users, potential cases of fraud / non-disclosure, window shoppers, high intent buyers, frustrated/confused users and more during the application process, meaning carriers can take action during the user journey to drive a desired outcome. ForMotiv has a suite of products including Data, Analytics/Reporting, Behavioral Signaling, and Real-Time Models

• Identify bottlenecks, dropoff points, high abandonment questions/fields and more to improve the user journey
• Reduce risk exposure without decreasing conversions
• Create smarter Accelerated Underwriting & reduce 3rd party data costs – instantly determine who should be accelerated and who should be further qualified via medical review/fluid test
• After a simple integration, behavioral data can be leveraged across the enterprise and incorporated into existing predictive models

Knowing when to trust keeps you in control of your processes – automating as much as possible, while engaging staff in case a further assessment is required. In claims processes, FRISS’s Trust Automation Platform automatically notifies your adjusters which claims to trust and which ones require a deeper expert review to scout for fraud. This improves the experience for the sincere customer, while at the same time fraud risks are identified. This all happens in real-time within IDITSuite using a combination of real-time internal and external data, powerful AI models, network analytics, expert knowledge, text mining, and more.

• Direct bottom line savings
• Real-time claims segmentation enables a frictionless customer experience
• Actionable claim insights
• Instant value, reducing the total cost of ownership

With GhostDraft, insurers can automate the forms and document lifecycle, from inception to delivery, in one powerful and easy-to-use suite designed for insurance. Now, you get everything you need to get new or updated products to market quickly and streamline all your communication needs in a centralized CCM system that offers research, design, filing, specification, development, review, test, deployment, and implementation tools for the whole organization.
GhostDraft offers a modern, cloud-native suite that is seamlessly integrated with Sapiens to simplify managing communications.

• Drive digital transformation and end-to-end process automation
• Accelerate speed to market
• Deliver superior customer experiences with modern forms
• Get an insurance-designed solution with ISO prebuilt libraries
• Reduce costs with a cloud-native SaaS-priced solution

Glia enables companies to acquire more leads and increase online conversions. Companies are able to identify high-value website visitors, react to inbound communication requests, or proactively reach out via live chat, video, or audio. With our powerful Observation and Co-Browsing features, companies can arm their agents with visual context and offer personalized browsing to better aid customers. Intelligently Target Customers – Leverage business logic to reach out to customers who are ready to buy using Overseer, Glia’s proprietary business logic engine. Glia enables companies to better support their customers by injecting more context into the conversation. Through live observation and CoBrowsing, agents are able to see the issues customers are dealing with in real-time – allowing them to provide more personalized service and efficient resolution.

• Provide Superior Support with Digital Customer Service
• Increase Sales with Digital Customer Service
• Leverage co-browse to resolve issues faster

The joint Sapiens and GreenRoad solution enables automotive insurance carriers to secure a new level of risk assessment data about their drivers on a dynamic basis, making it possible for them to provide more competitive, personalized driver insurance premiums, customer-centric services and proactive risk-prevention programs.

• Rapid personalization of both claims and policy correspondence reduce cycle times by utilizing previously generated templates
• Easy access to a central repository of templates, plus automated data and content prefill document templates, save agents time
• Built-in document preview capability during authoring facilitates a quick turn-around from edit to production

Idomoo’s Personalized Video platform lets you build and launch campaigns fast, whether you need 500 videos or 5 million. With real-time rendering, interactivity and cinematic quality, it’s the superior CX your customers deserve. Personalized Video combines the impact of video with the relevance of personalization to create an effective communications medium. It’s proven to increase sales by as much as 8x and cut churn by 37%, all while adding a human touch to the insurer-customer relationship. From acquisition to onboarding to loyalty and more, launch campaigns and get results fast. Modern consumers expect personalized experiences. Why should video be any different?

• Increase retention by reaching out personally and visually at key moments in the customer journey, such as
  before a policy renewal
• Reduce call center volume with videos that answer questions clearly and personally before your customer picks
  up the phone
• Put your data to work with personalized offers that drive ROI, and add interactivity to your video to further
  boost conversions
• Increase customer satisfaction from the start with personalized onboarding videos that increase brand loyalty
  long-term
• Idomoo’s open platform, which easily scales to millions of videos, saves you time with built-in automation
  tools and customizable templates.

The joint Sapiens and Kovrr solution delivers transparent, real-time data- driven insights into affirmative and non-affirmative single, accumulated and catastrophic cyber risk exposures. The Kovrr platform is designed to help underwriters, exposure managers and catastrophe modelers better understand, quantify and manage cyber risk by utilizing AI-powered predictive risk models. Kovrr uses customer data from Sapiens and other sources and the underwriting insights can be integrated to the overall underwriting, according to the insurance product.

Fighting fraud is Kube Partners’ primary mission. We work for the greater good, and with our anti-fraud platform Detector, we will reinforce this fight at a global level.

Developed with the contribution of experienced claims handlers, Detector is an advanced cloud-based software platform to provide end-to-end fraud detection and to empower experts to make the right decisions. Our customers have enjoyed a 400% improvement in the number of cases successfully investigated and a 300% improvement in fraud detection efficiency. With our fast implementation path, insurers can go live in as little as 4 to 6 weeks and the initial investment is fully repaid in just a few months with a 10X return on investment.

• Accurate scoring, minimise false positives
• Acceleration of the settlement process for genuine claims
• Full automation: Detector claim scoring and investigation workflow ensures cost and productivity monitoring
• Easy-to-use SaaS platform: intuitive, self-explanatory and simple-to-use and integrates with company’s system, Detector provides real-time proof of fraud
• Multiple lines of business supported (motor, property, health, travel, general liability, personal accident, pets)

The joint Sapiens and Lightico solution enables insurers to complete entire customer-facing processes in real time by streamlining, digitizing and automating interactions. With Lightico, businesses can instantly collect customer documents, eSignatures, eForms, payments and consent to disclosures, plus confirm policy terms and verify ID, even on their mobile phones

• Decrease the time and costs associated with the claims process
• Increase the speed of payment on overdue accounts
• Decrease inbound call volumes
• Improve the overall customer experience
• Offer choice and Opt-In and preference management
• Be up and running and see significant results within 90 days

LinqConnect – “Where data becomes decisions”

• Instantly provides accurate business classification—over 1,100 classes—via a single API call.
• AI-driven insights deliver 92% classification accuracy (vs. 70-75% industry norm) and over 200 attributes per business.
• Automates appetite matching, renewals monitoring, and coverage identification for underwriters.

• Enables underwriters to spend more time evaluating risks that they want
• Reduces premium leakage and helps identify additional coverages
• Transforms fragmented carrier filing data into actionable intelligence that enables precise business-to-carrier matching and appetite enforcement.
• Reduces integration burden by replacing fragmented third-party data feeds

Loqate address verification solutions are integral to various aspects of insurance operations, including risk assessment, fraud prevention, regulatory compliance, customer service, and data analytics. We offer a faster, easier way to capture addresses in real-time in any single-line address field or online form. In as few as three keystrokes, our technology will suggest complete and precise locations anywhere in the world – even when your customer makes a mistake.

• Loqate solutions combine the richest globally curated data from multiple postal, geospatial and local sources with a sophisticated matching and verification engine, ensuring the most accurate address data
• A single source of truth for customer data, makes transferring money, opening accounts, and sending and receiving necessary documentation seamless
• AI is only as good as the data input
• Global Address Verification with AI Parsing
• Standardisation across all systems, consistency + trust for your MDM