Partners
Nuestro ecosistema
Queremos ofrecer mucho a nuestros clientes. No en último término, para apoyarles en su crecimiento. Por eso, Sapiens se enorgullece especialmente de sus colaboraciones con empresas innovadoras. Estas nos ayudan a ampliar y profundizar nuestra oferta, a escalar para superar incluso los retos de implementación más grandes y difíciles y a abrir nuevos mercados y centros.
- Industry challenge
- The solution
- Business benefits
- Hear from our partners
Insurance confronts the challenge of sluggish new and renewal procedures due to manual underwriting processes. This reliance on manual work hampers efficiency and speed in the industry. It is not an efficient process for the agents/insureds.
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
Building on more than 175 years of service, our network of member firms spans more than 150 countries and territories.
Together, Deloitte’s more than 415,000 people worldwide make an impact that matters. All the facts and figures that talk to our size and diversity and years of history, as notable and important as they may be, are secondary to the truest measure of Deloitte, our purpose – to make an impact that matters by creating trust and confidence in a more equitable society.
What really defines us is how we come together to create a more equitable and prosperous future for generations to come. Our insurance professionals include specialists in actuarial, risk management, strategy, operations, technology, tax, and audit and assurance.
Deloitte’s insurance practice can advise you on how to navigate the shifting landscape of a human-centered economy.
- Industry challenge
- The solution
- Business benefits
- Hear from Our Partners
Manually reviewing medical records at scale is a huge drain on resources. The U.S. industry spends $3.5B on labor reviewing medical records per year.
DigitalOwl’s Digital Underwriting Abstract (DUA) automatically analyzes medical documents, including unstructured data and imaged records, creating a completely digital, interactive document.
- Faster review time with our abstract returned in hours versus days
- Improved productivity and scalability by speeding up tasks, freeing up resources, and empowering your underwriters
- Save money by reducing expensive hours manually reviewing medical records
- Focus on the elements pertaining to the case versus sifting through hundreds – or possibly thousands – of pages
- Make decisions more efficiently, effectively, and with greater confidence
- Industry challenge
- The solution
- Business benefits
When it comes to customer communications management, building and managing document templates can be challenging, technical and expensive. Document templates are often built and maintained on syntax-based (mail merge) platforms by technical staff and the dependency on the IT team often results in slow turn-around times. Templates are not always managed and organized centrally which makes it difficult for an organization to have a clear view of their environment and follow a compliant document strategy.
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
- Industry challenge
- The solution
- Business benefits
Manual document processing in Insurance. With all of the documents/emails/paperwork in the insurance industry, a lot of time is spent reviewing redundant information in search of the same key pieces of information that is just labeled and formatted differently each time.
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
- Industry challenge
- The solution
- Business benefits
Insurance companies try to sell the same product, at the same price, to customers who have unique needs, risk characteristics and price sensitivities. This commodity based selling, may cause the loss of customers who are willing to pay more for increased comprehensive coverage, as well as customers who cannot afford the product and are willing to give up some coverage to pay less.
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
- Industry challenge
- The solution
- Business benefits
Insurers struggled with justifying the financial and human capital that goes into processing payments. The demand in managing multiple portals, banking relationships, payment modalities and reconciliation.
Allow both workers’ compensation and property & casualty insurers to reconcile payments across multiple modalities with minimal IT requirements. All financial data will be streamlined into a single access point. Empower insurers to achieve immediate total electronic adoption, ensuring payment efficiency.
- Industry challenge
- The solution
- Business benefits
Despite significant investments in technology, insurers often struggle to accelerate payment processing time, increase visibility for both the adjuster and claimant, and, ultimately, provide a positive digital payment experience for tech-savvy claimants.
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
- Industry challenge
- The solution
- Business benefits
Traditional support systems long struggled to meet the full needs of families in times after the loss of a loved one. As life insurance carriers and financial institutions continue to seek new ways to add value, expand benefits, and improve the customer experience, they neednovative tech partners to integrate into their systems to support policyholders and their families.
Empathy combines tech innovation with a human care team to change the way the world plans for and deals with the loss of a loved one. With its award-winning app, Empathy helps families navigate the challenges of bereavement like grief, estate settlement, probate and more. Through its white-labeled legacy planning services, Empathy increases access to estate planning services via thoughtful tailored integrations with trusted life insurance carriers and agents, providing legacy planning tools to make informed decisions and move forward in confidence after a loss.
- Revamp and improve the beneficiary experience, with support that goes beyond a payout
- Advance the claims process, honoring the long-standing relationship with policyholders
- Raise the bar for employers and beneficiaries with new, value-driving benefits
- Innovate on the customer experience, using tech to empower agents and streamline intake
- Industry challenge
- The solution
- Business benefits
Insurers need to find services that help them prevent damages from occurring and at the same time to become more relevant to their customers
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
- Industry challenge
- The solution
- Business benefits
As the insurance industry continues shifting online and carriers adopt instant decisioning, there is a lack of real-time data available to help carriers make instant decisions with confidence and accuracy. There is a need for more data, in real-time, that helps carriers understand the intent of their digital users so they can drive desired outcomes
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
- Industry challenge
- The solution
- Business benefits
- Hear from our partners
Because speed and convenience have altogether redefined what it means to serve consumers, it is time to start building the relationships your customers demand and deserve. However, you cannot simply accept all policy requests or pay out each and every claim. At least not right away. You have to do your research and you have to do it instantaneously. What would your processes look like if you could instantly trust your customers?
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
Integradores de sistemas
Sabemos lo importante que es una integración e implementación perfectas para lograr un rendimiento óptimo. Por eso, nuestras alianzas estratégicas con integradores de sistemas son decisivas para la integración exitosa de nuestras soluciones.
A través de estrechas alianzas, creamos juntos soluciones que revolucionan sectores, fortalecen empresas y allanan el camino hacia un futuro digitalizado.