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AI-Driven Risk Decisions for a Global Health Insurer

About the Client

The client is a global health insurer operating with legacy policy administration and claims processes. Fragmented data, manual underwriting, and limited automation slowed risk decisions and claims processing. The insurer needed a modern, scalable platform that could support AI-driven underwriting, automate claims validation, and strengthen governance. To enable this transformation, the organization partnered with Zymr.

Key Outcomes

80% Reduction in Underwriting Time
Stronger Governance Through Centralized Controls and Auditability

Business Challenges

The insurer relied on legacy policy and claims systems that made it difficult to access and analyze historical data efficiently. Underwriting decisions depended heavily on manual reviews, resulting in long turnaround times and inconsistent processing across cases.

Claims operations faced similar challenges. Manual validation and eligibility checks increased processing effort and limited the ability to automate straightforward, low-risk claims. The absence of a modular digital architecture also made it difficult to introduce new capabilities without disrupting existing operations.

Data governance and security were additional concerns. Sensitive policyholder and claims information required stronger access controls, encryption, and traceable audit mechanisms to support regulatory and operational requirements.

The insurer needed a modern platform that could combine AI-driven risk assessment with configurable business rules, automate claims checks, and provide secure, governed access to critical data.

Business Impacts / Key Results Achieved

Zymr modernized the insurer’s legacy policy and claims operations through a modular Azure-based platform. The solution improved underwriting speed, introduced greater automation into claims processing, and strengthened security and governance across the platform.

  • Underwriting Time Reduced from 10 Days to 2 Days
  • AI-Driven Risk Assessment Enabled
  • Automated Claims Checks for Lower-Risk Cases
  • Improved Straight-Through Claims Processing
  • Enhanced Governance with Access Controls, Encryption, and Audit Trails

Strategy and Solutions

Zymr implemented a modular Azure platform designed to modernize risk and claims workflows while allowing the insurer to integrate AI and automation into its existing operating environment.

  • AI-Powered Underwriting Engine
    Combined historical data with configurable risk rules to support faster, more consistent underwriting decisions and reduce manual review effort.
  • Configurable Risk Rules
    Enabled business teams to define and update risk criteria without redesigning the underlying platform, providing greater flexibility as policies and requirements evolve.
  • Automated Claims Validation
    Introduced automated checks for claims eligibility and risk conditions, helping route lower-risk cases through more streamlined processing.
  • Straight-Through Processing
    Supported automated handling of qualifying claims to reduce manual intervention and improve overall processing efficiency.
  • Azure-Based Modular Architecture
    Built a scalable platform architecture that allowed underwriting, claims, data, and governance capabilities to evolve independently while supporting integration with existing systems.
  • Security and Governance Controls
    Strengthened platform governance through role-based access controls, encryption, and comprehensive audit trails for greater visibility and control over sensitive data.
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