HDI stands for insurance and pension solutions in life, property and casualty insurance. Along with its industry solutions and modular insurance packages, HDI also offers comprehensive coverage for small and medium-sized companies in the retail, service and trade sectors. HDI companies can rely on more than 110 years of insurance experience. Independent insurance brokers as well as HDI-owned exclusive distribution with around 1,100 brokers and 39 branches, offer nationwide access to HDI’s services.
But of course, insurance cover can also be completed online – with or without the assistance of a broker. Since 2016, Avenga has helped HDI to make contracting complex insurance products uncomplicated for business customers. As part of the “Firmen Digital” project, we have completely digitized the finalization process for commercial insurance – from the online application to the completed policy. This system also supports the brokers in their daily business.
The user-friendly finalization process guides customers through consultation and application procedures. Depending on the sector and input, the system reacts in real time with the appropriate queries and options. Coverage gaps are calculated automatically and over insurance is avoided. These intelligent dynamics and additional explanatory texts assist in choosing the right insurance cover.
Highlight: Visualization The screen graphics as a symbol for insurance protection facilitates orientation, visualizes the configured coverage and identifies existing coverage gaps.
By means of a database query at the start of the configuration, the exact industry affiliation can be determined merely through the company name, thanks to the blackbox processing in the background. Subsequently, just a few entries are enough to give a company comprehensive insurance. At the end of the process, the customer receives the consultancy protocol in compliance with the IDD standard as well as an immediate copy of the completed policy.
Highlight: Company search Through the company name you can determine the right industry within seconds.
The portal is an important building block in our digitization strategy. It was important to us to integrate the new technology seamlessly into our IT infrastructure. Thanks to Firmen Digital‘s online calculator, we can significantly reduce the complexity of the commercial insurance consulting process. This creates transparency for our customers and supports our sales partners.
Medium-sized companies, brokers and HDI’s exclusive customers benefit from the clear user interface with intelligently designed steps. With several individual policies and a combined product of up to six protection services, Firmen Digital offers its customers industry-specific solutions. Firmen Digital is being constantly expanded with individual offers for a variety of industries.
»Firmen Digital« integrates the relevant rating data via Avenga’s own technology from existing HDI IT systems which do not need to be changed for this purpose. This allows a flexible “frontend” for the end user. Simultaneously, the long-term orientated and security-based backend continues to exist. This gives HDI the opportunity to agilely develop the online portal and quickly adapt it to new customer requirements and technologies. By contrast, the basic technology in the background remains plannable for years to come.