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INSURANCE COMPANIES

PROTECTING YOUR EFFICIENCY

Ensuring the population’s health has practically become mandatory in many countries and as a result, there are mandatory temporary systems that withhold a portion of the employee’s paycheck to ensure their health and another portion to ensure a pension for retirement.

The most common challenges we find in this industry are: to understand the increase in demand, reduce the expenses for the services purchased by the patient and to improve the level of service the insurance company provides to patients and doctors. This requires investment consulting for insurance companies, the structure of the internal processes and comprehensive information systems to provide appropriate decision-making, with the purpose of continuing to be competitive in the market.

The insurance sales and claims control process is key for insurance companies to maintain their profitability. There are different types of insurance, so the salesperson must be very clear about what to offer to interested parties and provide timely follow-up.

01.

Commercial

Solutions
  • Model of visit plan, prospecting and evaluation of portfolio redistribution.
  • Sales management model, strengthening the salesperson's work through sales steps and tools.
  • Productivity standards by stage of the commercial process.
  • Master plans to define organizational structure based on transactional volume.
  • Indicators and management culture focused on results.
  • Periodic coordination meetings between commercial and technical areas.
  • Commission scheme aligned to results and productivity.
Benefits
  • Increase in sales:
    • Generation of new businesses.
    • Increased renewals.
    • Increased policy cross-selling.
    • Reduction of policy cancellations.
  • Increase in commercial productivity: Increase in compliance with the visit plan.
  • Optimization of the commercial area structure.
02.

Technical

Solutions
  • Customer service model at each customer contact point.
  • Master plans to define organizational structure.
  • Negotiation with suppliers based on volumes demanded.
  • Dashboards by area.
  • Control of payments and economic benefits to customers.
Benefits
  • Improve customer service level.
  • Reduction of operating costs.
  • Release of cash flow and adjustment of economic benefits to customers according to their rights and coverage.
03.

Back Office

Solutions
  • Budgeting and expense control model.
  • Rate management process.
  • Price and quotation control model.
  • Collection model, prioritizing management based on risk, amount and type of clients.
  • Accident rate management of the affiliates' portfolio.
  • Control panels and implementation of continuous improvement cycles.
Benefits
  • Reduction in overdue accounts.
  • Reduction in average collection days.
  • Reduction in outstanding claims.
  • Reduction and control of expenses.
  • Elimination of administrative re-work.
  • Improvement in internal service level.
  • Reduction of the accident rate.
  • Control of overtime.
  • Increase in productivity.

“The involvement that the project team achieved with our staff allowed us to take ownership of the methodology and sensitize the organization on improvement needs. Among the results were: increase in policy renewals, reduction in policy cancellations, reduction in the overdue portfolio, and higher productivity rates.”

President & CEO MAPFRE

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