Rotterdam, April 4, 2014
“Innovation
as
Game Changer
for the
Insurance Claims Industry”
Mendix World 2014
Jochem Davids
Business Innovation
Han Huisman
Solutions Architect
3
• Introduction of CED
• Market trends
• Strategic challenge
BUSINESS BACKGROUND
• Other innovations triggered
by the implementation of
Mendix
WAVE OF INNOVATIONS
• Background
• First test case
• Challenges and solutions
MENDIX IMPLEMENTATION
• Please feel free to ask any
further details on our
presentation
QUESTIONS
Agenda
1 2
43
Business background
5
“The whole claims process
at one company.”
6
• Founded in 1971
• Number of employees 1.150
• Offices in 14 European countries
• Partners in 28 countries worldwide
• Handles approx. 1 million claims per year
• With a total claim cost of more than 2bn euro
• Revenue FY2013: 105 million euro
Key figures
7
Core businesses
LOSS ADJUSTMENT DIRECT REPAIR MANAGEMENT
CLAIMS MANAGEMENT
8
• Due to safer
infrastructures
and safer cars.
• Consumers
demand high
service
standards and
web/mobile
channels.
• Due to
Solvency II and
the will to
improve
Combined
Ratios.
• Other forms of
damage
assessment
e.g. based on
statistics and
big data.
Substitutes
Cost
savings
Less
damages
Role of the
consumer
“Market trends demand a shift
in strategic focus”
9
• The integration of Claims Management with
Loss adjustment and Direct Repair
• First Contact Resolution
Full service
provider
• Decision making at FNOL
• Up to 80% automation (simple claims)
• Manage the exceptions (complex claims)
Automated
Claims
Handling (STP)
“Market trends demand a shift
in strategic focus”
10
Changing something we (successfully)
did for the past 40 years
Cannibalizing part of our core
business by developing another
Fighting a market image,
based on our strong history
Dealing with unilateral
employee competencies
Batteling our
IT legacy
“Disrupt yourself before
someone else will”
11
MultiHerstel
Management of Direct Repair
Check on repair offers and invoices
Audits on repair works
First Mendix case
Launch of entirely new business model
First case for Mendix platform
Extreme fast results
Basis for future projects
“An entirely new business model”
14
“Direct repair at your convenience,
even on evenings or weekends”
Mendix implementation
17
18
23
External
Stakeholders
Business model
& requirements
9 weeks
Challenges MultiHerstel HUB
24
What’s next???
25
Systems of Innovation
Systems of Differentiation
Systems of record
I know what I
want, this doesn’t
have to be
unique.
I know what I
want, this makes
me different from
my competitors
I don’t know what
I want precisely, I
have to
experiment
Connective
tissue
Pace-Layered Application Strategy
* Source: Gartner (august 2012)
26
CED concept
Mendix Integration Layer
AS400
App 1 App 2 App 3 App …
Decision service
“Separate the know
from the flow”
- Burlton, 1999
Decision management
28
CED concept
Mendix Integration Layer
AS400
Mobile
loss
adjustment
Customer
portal
Advanced
damage
calculation
Routing rules, Invoice validation, Damage calculation, …
Advanced
claim
entry
Compliant with
IBM iseries
Additional business
logic (routing claim)
Using MDM layer
Additional
business logic (adv
calculation)
Additional business
logic (entry
validations)
Advanced claim entry
30
CED concept
Mendix Integration Layer
AS400
Advanced
claim
entry
Customer
portal
Advanced
damage
calculation
Routing rules, Invoice validation, Damage calculation, …
Mobile
loss
adjustment
Mobile loss adjustment
32
CED concept
Mendix Integration Layer
AS400
Advanced
claim
entry
Mobile
loss
adjustment
Customer
portal
Routing rules, Invoice validation, Damage calculation, …
Advanced
damage
calculation
Furniture Consumer
goods
Building
Advanced damage calculation
34
Performance Incremental
approach
Definition of
Apps
Challenges application landscape
Wave of innovations
36
Riding
the
Wave
37
Drone expertise
38
39
Google Glass concept
40
Google Glass concept
41
Google Glass concept
42
Google Glass concept
43
Google Glass concept
44
Google Glass concept
45
Google Glass concept
46
Google Glass concept
47
Google Glass concept
48
Automated Claims Handling (STP)
• Up to 80% automated
Simple
claims
• Complex claims are
managed by our Claims
Managers
• Always providing a
resolution
Complex
claims
Jochem Davids
Business Innovation
Jochem.Davids@ced-claimexperts.nl
Han Huisman
Solutions Architect
Han.Huisman@pinkelephant.nl

Mendix world 2014