End-to- end Insurance solution to automate back-end workflow management.Reduce redundant activities.

1. BWS Proposal- Deliverables for eTrading
Platform for Insurance
1
End to End offering- eTrading Platform as a complete solution
Key solutions offering from BWS
Web Portal Mobile Solutions Backend control BI Tools
eTrading Insurance Platform
Document Management

2. Key Proposal from BWS– Overview
Our deliverables for eTrading Platform for Insurance
 Front end tool for end users- Slide Number - 3 ?
 Data capture mechanism– Slide Number- 4,5,6
 Secure Payment gateway– Slide Number – 7
 Document Management System– Slide Number -8, 9
 Dedicated Customer Portal- Slide Number -10
Admin Control Panel- Slide Number -11
 Back office Operations – Slide Number -12
Underwriting Decisions- Slide Number - 13
Business Intelligence (BI) tools – Slide Number -14
Complete Workflow Management – Slide Number -15
Mobility Solutions for Energy ManagementKey solutions offering from BWS2

3. 1. Front end tool– Single Window service for Insurance products
Key solutions offering from BWS3
Attractive and rich front-end for End users to check
different insurance products directly from home screen
Ability to view and select suitable insurance product
‘under one roof’
Users can download Policy Wordings & Other Forms-
Can be LOB/ Product -wise
Check Current news, important events and
announcements, legal announcements
Registration for new users, Login section for existing
members

4. 2a. Customer Application-New application- Data capture from end users
Key solutions offering from BWS4
Select Service Fill basic details Fill details for specific Practice profile
Register &
Apply
Submit details
Data gets stored
in Admin
Backend Control
Tool
Get Instant quote

5. 2b. Customer Application-Policy renewal- Existing clients
Key solutions offering from BWS5
•Request for policy renewal to existing users directly from
application
•Application will hold list of all existing clients in the
database
Request
renewal
•Automated renewal reminder by email at specific intervals
set by insurer
•Link to directly redirect to web portal for login
Renewal
reminders
•Members to select renew option, fill questionnaires based
on existing details for a renewal quote
•Members can make any changes and subsequently get new
quote for renewal - also sent by e-mail
Renewal
process
•Get quote/revised quote for policy details instantly
•Online payment integration- cards, BACS (switch payment
types if required)
•Application will generate invoice after successful payment
Backend
computation

6. 2c. We can extend eTrading platform to Smartphone & Tablets too..
Key solutions offering from BWS6
Data Synchronization
Data captured from Smartphone will be automatically synced with Web
application in real-time
Questions & Answers configuration
All questions will be automatically controlled from Admin Backend Control
tool
Platform
The Mobile App will be accessible from both iPad, Android tablet or
Smartphone (iPhone, Android)
Smartphone/Tablets
Users can apply for insurance products directly from their
Smartphone/tablets

7. 3. Highly Encrypted Payment Gateways Ensuring Secure Checkout
Key solutions offering from BWS7
Our payment gateways protect credit card details by
encrypting sensitive information, such as credit card
numbers.
Facilitates secure transfer of information between a
payment portal and the Front End Processor or
acquiring bank.
Performs variety of back-end tasks to ensure a secure
transaction when the customer orders through our
payment gateway.
Our e-trading platform supports all the main payment
gateways, so in terms of debit or credit cards, Data
Cash, Sage Pay, Pay point, World Pay etc.

8. 4a. Document Management- Record user documents centrally
Key solutions offering from BWS8
Basic documents (Age proof, Credit checks etc)
End users will be able to attach documents
directly from the application
Medical practice Registration documents
Organization will be automatically generating documents, send
full policy wordings, Client invoices and store centrally
Customer
ISISIS
Any other documents??
Insurer

9. 4b. E-Submission of Dynamically Generated Customer Documents
Key solutions offering from BWS9
E-
Submission
• Documents can be electronically submitted to the
customer by email or they can also access them
through the web portal.
View
Documents
• Customers can also view the documents by logging
in to the web portal with their unique username
and password.
Document
Type
• These documents are dynamically generated based
on the information collected and the premium
quoted, plus any specific endorsements.
Client Login
• Clients can login to the member area which
contains a document library specific to them.

10. My
Quotes
• View/ Create all Quotes created BUT not Bound or Referred for
• Populate necessary questionnaires as per Product chosen, both for New Business & Renewal
• Option to select additional benefits or riders, both for New Business & Renewal
• Option to select Limits & Excess, both for New Business & Renewal
• Instant secure online payment for New Applications & Renewal
My
Proposals
• View/ Raise a Query for all quotes bound and payment made - but in referral stage
• Customer can see the status of all Proposals that went into referral
• On successful rating, customer would be allowed to bind and make online payment for Policy Issuance
My
Policies
• View information of all policies purchased with their Risk Start/ End Dates and Issue Date. Also, view
policy wordings and other terms and conditions.
My Claims
• View Status of all Claims reported and their status
• Submit any documentation required online (To be stored/ retrieved using a DMS)
My
Queries/
Messages
• Allow a customer to interact with the Company for any queries related to his account
• Customer to be able to raise queries across any of the above modules
• Secure communication between insurer and insured
5. Dedicated Customer Portal- Post-login for Customer
Key solutions offering from BWS10

11. • List of all Products always with Launch date and versions
Product Master
• List of mandatory fields required product-wise - versioned and dated
Mandatory Attributes
• Configure policy questionnaires from backend against each policy schemes
• Questionnaires Master – To manage multiple questionnaires
Policy questionnaires
• Automated compliance check- member, GMC database and WWC
• Rating tables and parameters based on which a particular customer will be accepted or rejected or
referred
Rating Parameters
• Parameters to define when a particular customer receives Renewal Notice/ Reminders - The templates
would be built at the back-end (configurable)
Communication control- Automated renewal Notice/ Reminders
• Policy wordings to be attached when sending Policy Document (Can be picked from DMS)
Policy Wordings
• Policy document templates to be used when sending Policy Document, product-wise and versioned &
Dated
Policy Document Templates
• If integrated with an accounting system, user to specify the relevant codes and entries to be passed as
per specific transactions
Accounting Details
6. Admin control panel- Product configuration, Questionnaires
Key solutions offering from BWS11

12. • Graphic dashboard showing - Number of policies, GWP, Referrals status
Product-wise
Dashboard
• Underwriters can accept/ reject risk through the portal
• They can override online generated premiums and endorse documentation
• Check risks that fall outside the underwriting guide criteria which cannot be
bound online without intervention
• Automated email to notify client about referral and the reason for referral
Underwriting (Referrals Only)
• Staffs will be able to process adjustments on behalf of members
• Able to change name and contact information and re-issue documentation
reflecting those changes in Customer Portal too
• Able to make adjustments which result in an additional or return premium,
including cancellation
Midterm adjustments
• User can be given access to canned reports based on roles defined
• Staff are able to generate the Bordereaux related reports based on date
range and other business logic
Reports
• Module to manage all users from the Company-side to perform their roles in
the systemUser Management
7. Back office operations
Key solutions offering from BWS12

13. 8. Increase Profitability Through Accurate Underwriting Decisions
Key solutions offering from BWS13
Accept Risk
•Underwriters can accept risk through the portal.
Underwriting Options
•Override online generated premiums and endorse
documentation.
Increase Profitability
•Help insurers to increase profitability through accurate and
consistent underwriting decisions.
Cost Reduction
•Decrease in response times, errors and costs associated with
claims.
Review Risk Data
•Helps underwriters to review and offer risk data and revised
terms.
Add / Remove Component Covers
•Capability to add or remove component covers through our
sophisticated platform.

14. Key solutions offering from BWS14
9. Business Intelligence (BI) tools– eTrading Platform
To fully benefit from the power of data, organizations need to make it easy for all users to get access to the right data, at the right time, so
they can make more informed decisions. A BI tool is thus inevitable for any enterprise application as it provides information the way
stakeholders would like to see it. BWS can provide expertise in implementing excellent BI module as an add-on to eTrading platform for
insurance.
Some key BI analysis tools- Our ideas:
1. Premium analytics- Track premium performance by a product or
product line, by geography, by distribution channel
2. Financial Analytics- Key ratios like Retention Ratio, Conservation
ratio and expenses ratio
3. Product Profitability Analysis- Track profitability of each products
4. Underwriting Loss Analysis- Constantly monitor the loss data to
determine the cost of getting new customers and renewing old ones
for those products or product lines And many more….
Very Rich, intuitive and simple to understand graphs
that will help the user to visualise performance of various
business units. Key performance indicators which will output
information vital for key decision makers.
Expertise in various powerful BI tools like Tableau, MS
SSRS, MS SSAS services to create exceptional graphs as per
the user requirement.

15. 10. eTrading Platform for Insurance- Complete Workflow management
Key solutions offering from BWS15
Insurance service offerings will cover from Web
Portal, Tablets as well as Smartphone also
Front end tool for end users- Offered as
variety of solutions
Can be integrated with
•Client module
•Policy module
•Transactional systems
•Payment Gateway
ISISIS
Receive
information
Data coming from
Front end end tool
Sync
Engine
Sync routine
to fetch data
form core
application
Backend control for Admin Control Panel- Check user
information and notify clients instantly
Analyze details
Check
Underwriting
Send Instant quote/ referral notification
ISISIS
eTrading Insurance Platform
eTrading Insurance Platform