UNIQA – Transforming the digital customer experience with 100% automated digital processes


full digital
customer journey


digital insurance


reduction in
processing time

The Challenge

Despite its established position in the market UNIQA executives realized that slow internal processes and the lack of a modern customer experience were a barrier to future growth.

Many processes within the quote & bind process were still paper-based and required error-prone manual data entry. The underwriting approval process was also largely manual and relied on communication with brokers over email and phone calls, causing a lack of traceability as well as a general lack of speed.


Using the FintechOS Northstar platform UNIQA digitized and automated the quote & bind and underwriting processes. These now integrate directly with the systems used by their network of agents and brokers to provide an omnichannel and fully paperless workflow.

The solution combines a Product Catalogue, an Underwriting Engine, and Risk Management Modules to provide fully digital insurance products on the Northstar platform. The new digital products offer real-time validation of product eligibility, pricing rules, underwriting rules, and are integrated with underlying core systems and performance analytics.

Key achievements

route 70%

Reduction in sales cycle duration and processing times.

bar 100%

Seamless digital integration with agent and broker channels.

lines 100%

Elimination of paper-based processes with process automation.

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