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Health Insurance

Insurers face the challenge of creating better health outcomes with higher efficiency in a health system shocked by the pandemic. Virtual care, personalized health recommendations, and behavioral incentives can bring much needed improvement for members.

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Health insurance screen FintechOS platform

Trusted by 40+ institutions around the world

Better care without seeing the doctor

In a system already strained by high costs and too few doctors and nurses, the pandemic pushed innovation to the top of the agenda. With visits to medical facilities discouraged, insurers can step up to provide solutions for virtual care, personalized health advice and encourage the right behavior through digital engagement. At the same time insurers should optimize claims processing to improve the customer experience, reduce costs, and shorten turnaround times. Regardless of what insurers want to prioritize, a smarter data-driven approach is essential.

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Introducing FintechOS for Health Insurance

The FintechOS platform is our data-driven digital-on-top platform for insurance that lets you build smarter policies, better customer experiences, and more personalized experiences. The FintechOS platform empowers health cover providers to create value quickly through pre-built functionality and low-code innovation.

The FintechOS platform is designed to build end-to-end customer journeys for processes such as onboarding, claims and other customer interactions. This doesn’t stop with the customer entering data, our customer journeys include complete process management that is tightly coupled to customer data. This leads to a better experience for the customer and better decisions for the provider.

The FintechOS platform includes policy management and claims management functionality. The Product Catalogue enables rapid product development through configuration and low-code, allowing cross-functional teams to prototype and innovate free from coding and developers. The flexible and modular architecture offers building blocks to develop tailored propositions, significantly reducing costs, risks and time to market.

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Benefits for Health Insurance

Innovate to improve health outcomes

Use the flexibility of the FintechOS platform to build virtual care, personalized advice, and behavioural incentives. Learn what works and apply those lessons quickly.

Achieve customer centricity

Organize your services around the customer and make it easier for the customer to make a claim or find a provider.

Speed up claims processing

Replace inefficient business processes with seamless digital customer journeys to save time, effort, and money.

Launch new forms of coverage

Launch entirely new forms of coverage from policy management to customer. Provide portals, and get to market quickly with our pre-built low-code approach.

Modernize with less risk

Improve your products and services with our platform on top of your current system of record. Our platform’s digital-on-top architecture allows you to gradually reduce your reliance on legacy systems.

Customer Journeys – Design for convenience

Customer data is an integral part of the FintechOS platform, enabling data-driven customer journeys and improvements in overall customer experience

Health Insurance solutions

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Policy Administration and Servicing

Create new policies for individuals or groups with policy creation, administration, and servicing in one digital layer, powered by to the flexibility of the FintechOS platform.

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Quote & Bind Customer Journeys

Create an end-to-end digital quote and apply journey for customers, agents and other channels. Smart features such as biometrics, digital document creation, video calls, and co-browsing will increase key performance metrics such as customer satisfaction and conversion.

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Claims Automation

Reduce the time it takes to resolve claims and create a better experience from initial touch point to resolution. Seamlessly interact with providers and third parties while leveraging automation to change focus from intensive manual administration to delivering a superior experience.

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Customer Engagement

Build a strong customer engagement to innovate with prevention and behavioural data in integrated portals. Use FintechOS Customer 360 data and digital campaigns to boost customer-centricity.

What our customers are saying

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Howden Group’s divisions collectively operate across multiple business lines and global markets. However, they are inextricably linked by core technology. Bold market propositions were being put forward by each business unit, but this was met with challenges from IT given the constraints of the existing technology that was typically mandated for delivery.

  • Increased automation allowed 120% growth in key product lines
  • Reduction in manual processing provided significant savings
  • Creation of a rapid deployment runway

Using FintechOS has already helped us improve the efficiency of a number of high importance operations by more than 50%. The system not only allows us to offer a great customer experience, but we’re doing it faster, and we’re doing it without errors.

– Raj Sakaria, Director of Enterprise Architecture, Howden Group

Real ROI for every team


The FintechOS platform gives you the ability to innovate continuously. You can bring new forms of coverage to market more quickly than ever. You can proactively respond to market conditions without being held back by legacy systems that can’t keep up with the pace of product innovation.

  • Reduce time-to-market
  • Personalise products
  • Create customer journeys


Provide faster and more convenient ways for Agents and Brokers to interact with your company through digital channels. Enable automated decisioning to rapidly onboard new customers.

Launch new digital journeys direct to customers and through bespoke branded website or portals with partners.

  • Multiple data enrichments
  • Rapid deployment across different channels
  • Rating and pricing at customer/benefit level


Create intuitive customer digital journeys to avoid unnecessary calls into contact centre teams. Eliminate paper-based processes with advanced workflow management and case management, significantly improving efficiency across Operations teams. Guided processes allow for shorter training programs for onboarding new colleagues.

  • Improve customer satisfaction metrics (NPS, CSAT)
  • Increase efficiency and processing rates
  • Accelerate training times and reduce colleague attrition


Enhanced digital functionality enables you to improve the customer experience and engagement, and ultimately reduce time to settlement. Supplier allocation and management can be optimized through advanced workflows and integrations.

  • Digital FNOL and claims assessment
  • Automate supplier management tasks
  • Advanced workflow management and integrations with 3rd parties


The FintechOS platform enables you to think beyond managing your legacy infrastructure and build a bridge to the latest technologies. Support your business with true innovation and focus on building new technology instead of maintaining out of date systems.

  • Integrated data from existing infrastructure
  • Benefit from ecosystem functionality
  • Build customer journeys faster with modular Automation Blocks


Integrate data from new sources to support smarter underwriting capabilities. Experiment with AI, telematics and real-time underwriting, enabling the development of innovative products.

Navigate future challenges using automation and a sophisticated rule engine.

  • Easily integrate new data sources
  • Tap into new insights enabling wider variety of risk coverage
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Learn how you can get up and running with your solution in 12 weeks.​

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