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Insurance Core

Insurance Core™ is the result of adding the experience of SysOne in the insurance market and combined with the technological innovation reflected in all our applications. Is a web platform and modular that manages all the operations of the insurance companies, which allows you to replace the system core and transform your business, or begin to operate from the start, accompanying him in the growth. Insurance Core™ designs, controls and optimizes all workflows in the company, maximizes the capacity for flexibility and operational visibility. Handles all the lines of business, of persons and property, individual and collective life, with a workshop of products for the design and management of the life cycle of the product.

It can adapt quickly to regulatory or strategic changes and bring to market a product without reliance on IT department. It also offers facilities for mass and micro certificate management target to increase the volume of its portfolio and reduce operating costs. Insurance Core™ is programmed on a service layer exposing all functionality through web services API, which allows you to consume easily from other systems and orchestrate implementing a SOA (Service Oriented architecture), achieving a omnichannel scenario.


Features

100% web Web browsing with accessibility from any device.
Integration Compatibility with all existing technologies in the company, as well as web services.
Secure investment Delivery of source codes. Payment by project milestone and technical support contract.
Scalability Use of a 100% stateless schema, which allows to add and remove nodes from the farm completely horizontally, being able to increase the client base without high costs, in a simple and transparent way.
Accounting Automation and configuration of the accounting movements of the company.
BPM Integrated workflow that gives flexibility and control over the business processes defined by the insurer.
Defined response times Warranty of response times contractually, depending on the criticality of the requirement.
Service Layer Immediate interconnection with other systems and orchestration of services through REST API.
Bulk operations Management and bulk import the full lifecycle policies.

Benefits

Launching innovative products Ability to configure the behavior of products through a rules engine, simple and fast.
Process automation company Management of the entire lifecycle of a policy in a quick and friendly environment.
System access only with internet Access control for policyholders, employees, branches, centrally with only a web browser and from any device.
Regulatory compliance Easy configuration to adapt to regulatory changes.
Design and control the service level of the insurer Alerting for any type of event. The policyholder will be informed in real-time of the state of your process.
Technology transfer So that the technical area of the company acquires the necessary knowledge to have the operational and maintenance control.
Web service API It allows integration with other systems and is oriented SOA services. It facilitates data governance required by regulation.
Omnichannel FrontEnd Custom user interface, built entirely to measure, where visual and interaction elements are implemented in different supported channels such as web responsive, mobile apps, social networks, SMS, etc).

Functionality

General Settings
Preliminary Configuration
  • Technical configuration
  • Availability
  • Hardware
  • Environments
  • Servers
  • Channels
  • Interfaces
  • Process configuration
Setup Infrastructure
  • Setup of the entire platform
  • Database
  • Web containers
  • Informative
  • Security settings
SSN configuration
  • Approval of regulatory entities
  • Approved number
  • Name of the Plan
  • Product
ISB Configuration
  • BPM Engine
  • Rules Engine
  • Service Engine
Product Configuration
  • Bouquet
  • Sub Bouquet
  • Product Type
    • Closed or package
    • Open
    • Hybrid
  • Risk
    • Categories
    • Risk areas
    • Activities
  • Coverages
    • Types
    • Groups
    • Limits (insurance sums, ages, franchises)
    • Characteristics of the coverages
    • Coverage plans
  • Risk rates
  • Taxes and Fees
  • Rate Version
  • Relational tables
  • Clauses and texts
  • Prize calculation
    • Upward calculation
    • Descending calculation
    • Adjustment variable
People (Party Services)
View 360°
  • General Data
    • Personal information
    • Identifications
    • Contact information
    • Domiciles
    • Valuation
    • State
    • Payment preferences
  • Map of relations
  • Segment map
  • Tax conditions
  • Payment method
  • Notes
  • Economic data
  • vCard (ID Card)
  • People’s version
  • Correspondence
    • Messages
    • Alerts
    • Schedule letters
Administration of people
  • High and Type of person
    • Physical or natural
    • Legal
  • Tax Status
    • Final Consumer
    • Monotributista
    • Inscribed Responsible
    • Not responsible
    • Exempt
    • Others
  • Segmentation
  • Relationships
  • History
  • Roles on policies
    • Taker
    • Beneficiary
    • Insured
  • Scoring
  • Assessment of people
  • Nominal data
  • Interfaces
    • Import
    • Export
    • Synchronization
  • Data version
  • Interaction logs
  • Risk maps
  • Opportunities management
  • Quotes
Mass management of people (payroll)
  • Payroll management
  • Automatic validation management
  • Mass Payload
  • Payroll validation
  • Payroll blocking
  • Inclusion of people
  • Exclusion of people
Digital files
  • Managing digital files of people
  • Document digitalization
  • Association to document database
Intermediaries
  • Commercial Structures
    • Agency
    • Commercial structures
    • Brokers or organizers
    • Intermediaries, brokers or producers
    • Institutional Agents
    • Own sellers (Intermediaries)
    • Intermediary sellers
  • High / low of Commercial Structures in runtime
  • Search for commercial structures
  • Roles
  • Associated people
  • Control intermediary performance
  • Association of intermediaries and roles in structures
Commissions
  • Contract management
  • Definition of goals / objectives
  • Commission Settings
    • For collection
    • For sales
    • About Premiums
    • About Awards
    • About Premiums and Losses/li>
    • Others
  • Calculation of Commissions
    • On Actuarial Premium
    • Commercial bonus
    • Sub Premium Totals
    • Prize
    • Others
  • Control Commissions generated
  • Management of extraordinary commissions
Liquidations
  • Liquidation management
  • Control of settlements
  • Association commission / liquidations
  • Perceptions
  • Withholdings
  • Workflow settlement status
Suscription
Quotation
  • Modality
    • Online
    • Off line
  • Through mobile devices
  • New quotes
    • General data
    • Bouquet
    • Sub Bouquet
    • Plan / Coverage Selection
    • Data Taker
    • Insured Data
    • Beneficiary data
    • Risk data
    • Mandatory documents
  • Pending quotes
  • Quotes made
  • Quotation authorization
  • Refund of quotations
  • Custom proposals
  • Quoting of quotes
  • Follow up
  • Expiration of contributions made
  • Notifications quotes to expire
  • Manual adjustments
  • Calculation rules
  • Premium Development / Prize
  • Statistics and Reports
    • Business progress reports
    • Reports of each quote
    • Monitoring through BPM
    • Quotation review
    • Business statistics by section,subsection, etc
  • Quote integration with other channels
  • Airfares to Issue
Request and Issuance
  • Subscription management
    • Risk management
    • Limits and revisions
    • Management of payroll
    • Massive payroll registration
    • Subscription Guidelines
    • Automatic rules
    • Approvals / Rejections
    • Comments
    • Policy history
    • Beneficiaries of the policy
    • Movements of the policy
    • Supplementary data
  • Inspections and revisions
    • Reviews of the issuance and subscription process
    • Generation of itineraries
    • Generation of questionnaires
    • Exceptions handling
    • Integration with inspectors
    • Risk Inspection
    • Inspection reports
    • Premium reports
    • Recotification by Inspection
  • Mass request management
    • Massive submission of requests
    • Massive download of requests
    • Policy applications
    • Data validations
    • Package validations
  • Issuance
    • Policy processing
    • Operation number
    • Electronic Policy (EP)
    • Electronic Policy Submission (EE)
    • Policy Shipping
    • Policy Dispatch
Policies (Policy Services)
Policy Management
  • Policy Administration
    • Generation of documents
    • Generation of payment plan
    • Generation of payment plan
    • Confirmation of types of payments for policies
    • Integration with electronic payment means
    • Integration with collecting entities
    • Notification of emissions through rules
  • Issuance and conversion of applications in policies
  • Approval of emissions
  • Generation of commissions for intermediaries
  • Use of business rules
  • Policy history
  • Coverage management
  • Policy movement map
  • Financing
Electronic Policy
  • Generation of Electronic Policy (PE)
  • Confirmation of receipt of policies
  • SN notification through Web Services
  • Signing and encryption of PDF files for EP
  • EP Printing
  • Generation of receipts for physical distribution
Maintenance of Policies
Policy maintenance management
  • General inquiries
  • Economic values of policies
  • Tax values of policies
  • Stop debit
  • Transfer of funds
  • Premium returns
  • Admission of contributions
  • Accounting integration
Renovations
  • Individuals
  • Notices
  • Change of conditions
Claims and Incidents
  • Generation of insurance claims
  • Claims follow-up
  • Integration with CRM
  • Assignment of official incidents
Billing
  • Monthly invoicing processes
  • Calculation of Portfolio to Bill
  • Calculation of Bill Prize
  • Shipment of invoices
  • Billing notifications
  • Automatic batch processes
  • Manual batch processes
  • Generation of receipts
  • Generation of payment coupons
  • SDK services for coupons generated
  • Payment plans
  • Square and revision by channel and type of policy
  • File transfer system for the ERP
  • Statement of account
  • Financing
  • Taxess
  • Delinquency
  • Alerts for unpaid policies
  • Integration with collection channels
  • Generation of Accounting Information
  • Debtor Reports by Award
  • Billing issued by channel
  • Premium status of each policy
Claims
Claims Administration
  • Loss Detail
    • Types of Losses
    • Generator Facts
    • Temporal space
    • Geographical space
    • Damage to Third Parties (Persons)
    • Damage to Third Parties (Objects)
  • Cycle according to workflow
  • Technical coverage management
  • Financial coverage management
  • Breakdown by coverages
  • Validation of Reservations
  • Rejection generation
  • Generation of Claims
  • Printing of letters documents
  • Notification to the actors of an event
  • Suspension of terms
  • Generation of agreements
  • Valuation Modifications
  • Reserve Modifications
  • Eligible losses
  • Controversial claims
  • Control of insured assets
  • Time control
Payments
  • Payment request
  • Payment settlement
  • Reservation validation
  • Automatic reinsurance
Documents
  • Management of electronic documentation of claims
  • Request for more information through claims
  • Automatic classification of documentation
  • Permissions for the visualization of documentation
Fraud and Claims
  • Fraud Patterns
  • Analysis of fraud processes
  • Elaboration of Check List
  • Graphic analysis (dashboard)
  • Various reports
Integration
  • With medical inspections
  • With Risk Inspections
  • With channels and Portals
Inspections
  • Automatic Assignments of Inspectors
  • Follow-up of the work of the inspector
  • Attachment of documents
  • Incorporation of notes
  • Attachment of photographs
  • Witnesses
  • Medical analysis results
  • Reports of inspectors
Digitalization Documents
Document management
  • Electronic document management
  • Scanning and indexing of documents
  • PDF extraction and conversion to indexed data
  • Data entry with OCR and assisted fields
  • OCR in multiple languages
  • TWAIN & ISIS support
  • Excel output
  • TxT output
  • Export to any compatible database (JDBC / ODBC)
  • Multiple file formats (PDF, TIFF, JPG, PNG)
  • Conversion to Searchable PDF File
  • Multiple Outputs (Alfresco, SharePoint, Google Drive)
Base
  • Automatic classification of documentation
  • Document viewing permissions
Capture
  • Capture from multiple media
  • Labeling of documents for monitoring
  • Automatic document separation,PatchCodes, barcodes
  • Reading bar codes
Exposition
  • Parameterized permissions
Massive Operations
Bulk Load
  • Load validation templates
  • Rules
  • Transaction queue processing
  • Remittances
  • Collection queue processing
  • Arqueo
  • Export
  • Export of batch results
  • Data export
Templates
  • Template management by product
  • Obligatory fields
  • Types of fields
  • Field uniqueness
Supervisor
  • Batch real time task monitor
  • Historical batch tasks monitor
  • Server cluster control
  • Control of recurring jobs
  • Queue control
  • Task scheduling
  • Failed Jobs
  • Successful Jobs
  • Jobs deleted
Massive Endorsements
  • Massive low
  • Mass inclusion
  • Mass exclusion
Business Intelligence (BI)
Statistics
  • Dynamic filters
  • Customizable dashboards
  • Combined filters
  • Real time
Command Pictures
  • Active bonus analysis
  • Premium analysis charged
  • Loss rate
  • Loss analysis
  • Analysis of producers
  • Cancellations
  • Loyalty
  • Demographics
  • Sales force performance
  • KPI key metrics
Rescues
Rescues management
  • Types of Rescues
  • Request for Rescues
  • Notification of receptions
  • Road verification of Rescues
  • Issuance of payment orders
  • Policy endorsements
  • Calculation rules
  • Calculation of taxes
  • Removal calculation
  • Projections, pre and post rescues
  • Integration with ERP for rescue
  • Records of payment orders for rescue
Processes
  • BPMN2 processes for total rescue
  • BPMN2 processes for partial rescue
  • Validation rules
Reservations
Reservations Administration
  • Movements
  • Calculation of automatic reserves
  • Calculation of mathematical reserves
  • Reserve control reports
  • Validation of Reservations
  • Reserve Reports
  • Integration into accounting system
Collections
Collection Administration
  • Generación de Billing Statement
  • Generation of Billing Statement Automatic collection: Generation of interfaces for collecting entities
  • Manual collection
  • Collection through pre-liquidations of intermediaries
  • Imputation of accounting movements
  • Non-payment notification
  • Generation endorsements due to withdrawal or non-collection
  • File mapping for collection media
  • Management of extraordinary contributions by different means of collection
  • Square with the ERP
  • Collection reports by collection channel
  • Reports of uncollected policies
  • Policy reports without collections movements
Loans
Loans administration
  • Loan management
  • Identification of a policy for generating loans
  • Generation and persistence of loans
  • Determination of rules for loans
  • Loan application
  • Granting policies
  • Customer scoring
  • Notification of receptions
  • Verification suitable for loans
  • Generation of payment plans
  • Calculation of interests
  • Monthly fee collection
  • Refinancing
  • Loan cancellation
Reinsurance/Coinsurance
Contract Configuration
  • Proportional reinsurance
    • Quota Share or Pure Participation
    • Surplus or Sums
    • Mixed
  • Reaseguros NO Proporcionales
    • Excess Loss
    • Stop Loss
Contract Management
  • Conditions agreement Underwriter/ Reinsurer
  • Responsibilities of participants
  • Definition rules
  • Cessions of Premiums
  • Cesiones de Siniestros
  • Claims Assignments
  • Linking policies with contracts
  • Setting accumulation limits for coverage
  • Setting rates and coverage
Contract Liquidations
  • Control of reinsurance liquidations
  • Control of settlement status
  • Liquidation to participants
Reportes
  • Bordereaux of Premium
  • Bordereaux of Claims
  • Clearing of values
Coinsurance
  • Transfer
  • Accepted
Control Boards
Reports
  • Reportes de gestión
  • Management reports
  • Losses by intermediaries
  • Health portfolio
  • Budget control
  • Risk map
  • Regulatory reports
  • Locks
  • Password policies
  • Role management
  • Permissions
  • Actions
Dashboard
  • Generation of control panels
  • Customer portfolio information
  • Product information
  • Segment information
  • Strategic decision making
  • Information for Marketing and Sales campaigns
Accounting
Accounting Module
  • Regulatory reports Superintendency of Insurance (Balance SINESUP, Current investment status)
  • Integrated accounting with Virtual Office
  • Manual Seats
  • Automatic closures
  • Creation of partial periods
  • Cost Center Control
  • Adjustment for inflation
  • Bimonetary accounting
Accounts Payable Module
  • ABM Suppliers
  • ABM Producers
  • Loading vouchers
  • Issuance of payments
  • Automatic withholding
  • Voucher authorization worflow
  • Producer accounts
  • Current accounts providers
  • Reports related to incidents
  • Insured report
Treasury Module
  • ABM Bank accounts
  • Bank conciliations (semi-automatic)
  • Values Control
  • State of Values
  • Bank positions
  • Fixed fund
  • Surrender of expenses
  • Credit cards
Accounts Payable Module
  • Issuance of sales invoices
  • Customers checking account
Investment Module
  • Administration of current investments (Fixed installments, Securities)
  • Investment reports for SINENSUP
Real Estate Module
  • ABM of property, plant and equipment
  • Amortizations
  • Inventory Reports
AFIP Module
  • Creation of TxT file for import in AFIP and other collection agencies
Product Workshop
Product Management
  • Life cycle management
  • Versions
  • Change control
  • Coding
  • Dynamic form
  • Definition of coverages
  • Product documents
  • Dynamic coverage form
  • Dependencies
  • Incompatibilities
  • Surcharges and discounts
  • Interests
  • Master bouquets
  • Master Coverages
  • Expression of insurability for coverage
  • Exigibles
  • Authorizations
Actuarial Simulator Product
  • Simulated configuration
  • Input parameters
  • Switched
  • Results
Bussiness Rules Engine (BRE)
  • Tailored settings
  • Actuarial variables
  • Mathematical expressions
  • Logical operators
  • Conditions
Workflow Designer
  • Drag & drop web designer
  • Management by branch / product
  • Editing of states
  • Editing transitions
  • Permissions
  • Conditional transitions
Workflow Engine
  • Sequential and non-sequential trace
  • Status viewer in process
  • Options by state
  • Actions by transition
  • Post by transition
  • Technical Support (SLA)
Boards
  • Switchboard tables management
  • Management of value tables
  • Import
  • Manual entry
Configurators
  • Instance variables
  • Tags
  • Limits
  • Catalogs
Auxiliary
Alarms
  • Configurable conditions
  • Actions by command
  • Notifications
Command Line
  • API Interface
  • SDK
  • Search commands
  • Query commands
  • Creation commands
  • Elimination commands
  • Edit commands
Search Engine
  • Policies
  • Claims
  • Reclamos
  • Peoples
  • Endorsements
  • Contacts
  • Box
  • Commands
  • Attachable filters
  • Keyboard shortcut
Security
  • User management
  • Locks
  • Password policies
  • Role management
  • Permissions
  • Actions
Access Audit
  • IP registration
  • Browsers
  • Thread
  • Accessed route
Process audit
  • Transition monitor
  • Compliance

Architecture

Insurance Core™ architecture combines a focused processes and services designed to scale (SOA) with application integration and service partners approach. The platform supports both modules can be implemented with Open Source tools as container owners, obtaining a high availability environment.

Presentation layer

100 % Web, supports multiple devices. It is not necessary to realize discharges to be able to use the system, it is enough to have only the direction URL.

Services layer

It is service-oriented (SOA), based on REST API. HTTP services can be consumed by a wide range of clients including web browsers, mobile, other systems or tablets.

Each process and resource data is exposed through an HTTP service enabling communication and integration between various current or future devices.

Process layer

The platform has an extended BPM (BPMN 2.0) with ability to solve RunTime time domain objects (insurance business). These objects can potentially be mapped to the data layer (relational database, partner service, etc).

This extension of the BPM generates an added value that gives simplicity and ease of reading process. Thus the processes have the ability to understand the business model with their corresponding objects in a natural way, avoiding technical actions within the process.

The process layer also has the ability to execute business rules thanks to embedded rules engine.

Business logic layer

It maintains business rules, constantly updating.

Base layer and data access

The data access layer provides a separation of code by its function. This approach provides flexibility to change the data persistence mechanism in the desired time.