Client
One of Moldova’s top-tier insurance providers, offering a broad portfolio of general (non-life) and health insurance products to individuals and businesses.
Project Goals
The client aimed to replace a fragmented set of legacy systems with a modern, integrated Insurance Management System that could:
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Centralize all policy, claims, reinsurance, and customer data
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Streamline sales, underwriting, and reporting
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Enable integration with regulatory systems (e.g., CNPF, e-Check, MSign)
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Improve customer experience and reduce administrative workload
System Modules
1. Policy Administration
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Creation and renewal of insurance contracts (auto, property, health, travel)
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Support for group policies and endorsements
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Dynamic product setup with configurable terms and conditions
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Integration with pricing engines and underwriter rules
2. Quotation & Underwriting
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Quotation wizard with validation logic by product type
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Automated risk scoring
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Underwriter approval workflows
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Multichannel quotation initiation (agents, call center, B2B APIs)
3. Claims Management
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FNOL (First Notification of Loss) module
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Document upload (accident photos, medical records, police reports)
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Claims triage and automated checklist generation
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Real-time claim status tracking
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Integration with expert appraisal systems
4. Reinsurance Automation
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Automatic treaty and facultative matching
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Generation of bordereaux and reinsurance notifications
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Exception management for retention overflows and rejected cases
5. CRM & Customer Portal
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Unified view of customer history, policies, claims, and payments
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Secure online access for customers to manage policies and submit claims
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SMS/email notifications and reminders
6. Accounting & Financial Control
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Premium accounting, commission calculation, and receivables tracking
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Integration with local ERP and banking APIs
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Audit-ready transaction logging and reconciliation
7. Regulatory & Reporting Tools
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Export and submission of required forms to CNPF
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Real-time validation with e-Check for policies
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Electronic signatures using MSign
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Dashboards for solvency, sales, and operational KPIs
Technology Stack
Layer Technology
FrontendVue.js / Blazor
Backend .NET Core 7
Database PostgreSQL
Authentication OAuth2 / SSO / Role-based access
APIs & Integration REST APIs, CNPF API, e-Check, MSign
Hosting On-premises
Implementation Approach
- Business Process Mapping: Joint workshops with underwriting, claims, and finance departments
- MVP Delivery: Focused on motor and property insurance lines
- Agile Rollout: Module-by-module deployment over 6 months
- Data Migration: From multiple Excel/Access systems to a unified DB
- Staff Training & Support
Impact & Outcomes
- Reduced policy issuance time from 2 hours to 10 minutes
- Enabled self-service capabilities for over 20,000 clients
- Improved claims turnaround time by 30%
- Automated over 80% of reinsurance notifications
- Achieved full compliance with national financial regulators
Conclusion
The new Insurance Management System became a mission-critical asset for the company, enabling digital agility, regulatory alignment, and scalability for future product lines. It has set a benchmark in Moldova’s insurance industry for operational excellence and customer service.
