Comprehensive insurance management system

صفحه ای از داشبورد مدیریت بیمه

The primary objective behind establishing a comprehensive insurance management system is to streamline and consolidate insurance-related information, creating a centralized database. This system aims to automate and optimize existing processes involved in insurance activities. By doing so, it enables efficient management and tracking of tenders, contracts, insurance policies, damages, and other relevant transactions. Additionally, the system facilitates the generation of expert reports and management insights.

The scope of this system encompasses four key areas: assets, customers, employees, and civil liability. It encompasses functions such as registration, maintenance, reporting, tracking, reviewing, and management of information pertaining to insurance activities within these domains. From the initial stage of need assessment and inquiry to contract conclusion and eventual compensation, the system diligently records and manages all relevant activities.

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Comprehensive insurance

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The necessity of establishing a comprehensive insurance system in organizations

In the insurance industry, the management of processes and activities involves a substantial amount of decentralized information scattered throughout the organization. However, effective decision-making in this field necessitates access to additional information. By enabling quick access to this information, the management of existing risks can be significantly improved.

Currently, a majority of the processes within this department are handled manually, with some reliance on fragmented information systems. To enhance outcomes in this domain, the creation of a centralized database for data and information becomes critically important. This centralized approach facilitates the monitoring and management of the bank’s interactions with insurance companies, thereby enhancing overall effectiveness.

Hence, given the manual and non-mechanized nature of activities, the presence of decentralized information, the time-consuming nature of contract and compensation processes, and the absence of a suitable integrated information tool, managers face several concerns. To address these concerns, the implementation of a system and the mechanization of processes can effectively resolve the existing deficiencies within this sector.

System capabilities

1. Basic and general facilities

  • The possibility of registering the information of insurance companies along with their established agencies
  • The possibility of registering all kinds of insurance policies and insurance issues
  • The possibility of communication with the existing systems of the organization based on the available facilities
  • The possibility of displaying and attaching circulars to the required forms
  • The possibility of preparing the output file of the deposit to the account in a specific format in the compensation process
  • The possibility of entering information and changes related to insurance policies in the form of files and batches
  • Ability to calculate and value insurance items based on the provided formulas
  • Ability to define users with different access for regions
  • The possibility of registering and tracking contract deposits and payments
  • Collecting the information of insurance companies’ accounts with the organization on a monthly basis
  • The possibility of registering documents related to insurance premiums in batches
  • The possibility of registering the information of deposit documents between the center and regions
  • The possibility of sending SMS of document defects using SMS Center
  • The possibility of pasting pictures of insurance or compensation documents in the required forms
  • Possibility of updating insurance payments through technology web service based on payment ID
  • Ability to calculate real estate depreciation and estimate valuation based on the provided formulas

2. Inquiry and tender operations

  • The possibility of recording the information of internal call announcements
  • The possibility of recording and maintaining information related to inquiries and suggestions sent by applicants regarding insurance prices and coverages
  • The possibility of recording and maintaining information related to the results and statuses of tenders
  • The possibility of recording and maintaining tender history information
  • The possibility of prioritizing proposals based on decision-making patterns
  • The possibility of attaching images of documents related to inquiries and tenders
  • The possibility of registering information related to the inquiry
  • Ability to follow and track tenders

3. Contract operation and insurance policy issuance

  • The possibility of registering information on all types of contracts and pre-contracts
  • The possibility of recording and maintaining contract insurance coverage information
  • The possibility of recording and maintaining information related to the terms of the contract
  • The possibility of attaching documents and documents related to contracts and insurance policies (circulars and approvals)
  • The possibility of recording different alarms based on data and contract conditions
  • The possibility of registering contract extensions and contract extensions
  • The possibility of registering insurance policy information and assigning it to the contract if needed
  • The possibility of registering details of insurance policy items and items and documents attached to the insurance policy
  • The possibility of registering contract amount information including: total amount, penalty, contract limit, profit sharing, insurance premium and franchise, value added tax, etc.
  • The possibility of registering insurance premium payment procedures
  • The possibility and ability to manage receiving insurance policies based on the items included in the contract
  • The possibility of tracking contracts and insurance policies

4. Compensation operation

  • The possibility of recording and storing information related to the claim form and introduction letter related to the contract or insurance policy
  • The possibility of attaching an electronic image of accident and damage related documents
  • The possibility of preparing a payment ID to present to the insurance organization
  • Ability to record information related to the amount and type of damage determined by the insurance company
  • The ability to alarm the system when the limit of the insurance policy is reached
  • The possibility of receiving and entering group damage information through a file with a specific format
  • The possibility of updating and synchronizing the payment information based on the payment ID based on the protocol determined by the technology unit (web service)
  • The possibility of recording compensation procedures
  • The possibility of recording compensation procedures

Facilities required for all types of contracts and insurance policies

1. Car insurance

  • It is possible to register information about the required specifications of the car for insurance purposes and prepare information about insurance cars for use in a specific format by the regions
  • The possibility of registering and saving the identification code and property code for the organization’s motorcycles
  • The possibility of registering cars at the disposal of the units and also registering the movement
  • It is possible to register a fine for late receipt of the insurance policy
  • Pasting pictures of car documents
  • Receiving cases and amount of reported damages from insurance companies and registering in the system
  • The possibility of reporting third-party insurance policies, the body and damages in total and partial
  • The possibility of registering the details of drivers responsible for the car

2. Property insurance

  • Possibility of registering and preparing real estate insurance database, organization assets, hotels and sports complex
  • The possibility of registering various types of insurance policies related to real estate and related assets and defining the insurance limit
  • The possibility of calculating and valuing real estate (value of land and nobles) and related assets
  • The possibility of registering details of the physical and geographical characteristics of properties and buildings and preparing a database of properties and assets related to their insurance (unit in possession, address, size and infrastructure of the building, type of use of the building, number of floors, type of skeleton, year of construction, etc.) .)
  • Ability to calculate and participate in benefits according to the specified formula

3. Warehouse inventory insurance

  • The possibility of registering and preparing warehouse insurance database
  • The possibility of recording warehouse information from a physical point of view and insurance specifications
  • It is possible to update the stock capital information of warehouses by regions
  • The possibility of discrepancies and viewing the registered information of capital and inventory of warehouses and other systems to control and prevent errors
  • The possibility of calculating the monthly average capital of warehouses and reporting and alarming premium adjustment at the end of the contract

4. Civil liability insurance (guards, professional and general and sports complexes)

  • The possibility of registering and preparing an insurance database for security guards
  • The possibility of registering and preparing the insurance database of doctors
  • The possibility of registering changes and moving guards by regions to send to the insurer
  • The possibility of recording and maintaining the information of guards, doctors and paramedics
  • The possibility of registering and maintaining liability insurance coverage information
  • The possibility of attaching and tracking the documents required for damages
  • Registering and maintaining information on the terms of payment of damages
  • Registering and maintaining the details of sports complexes and the value of insurance obligations
  • Ability to record and maintain hotel insurance information
  • The possibility of registering civil liability contracts related to fire and professional liability of construction projects

5. Insurance of funds in the fund and in circulation (banks)

  • The possibility of recording and maintaining information on the cash and circulating balance of branches and units on a monthly basis to inform the insurance company
  • Registering the information of ATM machines and mobile devices (backup branch, vehicle specifications, etc.)
  • The possibility of receiving and entering information about branches’ balances from other systems (SCB)
  • It is possible to register information on the movement of mobile cars by regions
  • Registration of monthly payment of insurance premiums against the declared balance by branches
  • The possibility of registering information on financial losses caused to branch employees
  • The ability to calculate profit sharing

6. Engineering liability insurance

  • The possibility of recording and maintaining the information of various types of engineering insurance policies
  • The possibility of registering all kinds of reasons for the engineering insurance policy
  • Registration of all insurance information of projects
  • The possibility of registering information and specifications of selected insurance companies for the contract
  • Registration of application form information (proposal form)
  • Registration of insurance receipt information for sending to accounting
  • Alarm about the letters of introduction registered open pen
  • The possibility of registering and declaring damages in batches

7. Customer Debt Insurance (Banks)

  • Our system provides seamless information entry from existing systems (web service, file, and FTP) following specific technology protocols.
  • Effortlessly register the determined percentage for facility insurance premium to ensure accurate calculations.
  • Maintain the agreed-upon percentage of the bank’s share, depositing it into the designated fund account for streamlined financial management.
  • Update customer debt information conveniently through integration with other bank systems, ensuring data accuracy.
  • Efficiently re-register and refer damage declarations to the insurance company for prompt resolution.
  • Update insurance company deposits smoothly through communication with other bank systems.
  • Unify facilities and customer information for easy follow-up and streamlined operations.
  • Ensure correct national codes of customers, identifying and rectifying rows with errors.
  • Register and manage funds deposited by the insurance company while assigning appropriate methods for damage allocation to regions.
  • By leveraging these capabilities, our system optimizes insurance processes, enhances data management, and improves overall operational efficiency.

8. Life and accident insurance (government approved and supplementary) for employees

  • The possibility of registering and preparing an insurance database for official employees
  • The possibility of registering and preparing an insurance database for contractual employees
  • Receiving and entering employee insurance profile information from the recruitment system
  • Registration of information related to the user form along with people’s account numbers
  • Due to the fact that the government life and accident insurance policy is financed from the welfare fund, it is possible to register and report the registered balance.
  • Ability to receive employee insurance premium information from other systems or through a file on a monthly basis
  • The possibility of registering the employee’s share and the organization’s share and comparing the information with the received file and the accounting deposit document
  • The possibility of registering the expert process and procedures regarding death, disability and disability
  • The ability to prepare output in a specific format for the account deposit file
  • The possibility of modifying the user form along with attaching and attaching documents by regions

9. Supplementary medical insurance for employees (related to contractual employees)

  • The possibility of recording and maintaining the information of employees and their dependents to provide to the insurance company
  • The possibility of registering and maintaining employees’ insurance premiums (file input with a specific format)
  • The possibility of discrepancies in amounts based on the specified percentage and information entered from other systems
  • The possibility of registering insurance coverage information and selecting items to choose from employees and calculating insurance premiums separately or in total
  • The possibility of recording the paid medical expenses of employees and the process of receiving fees to deposit the expenses to the employees’ account
  • The ability to register and maintain the introduction letters of employees and the possibility of receiving periodical information on paid expenses from the insurance company
  • The possibility of recording special conditions and limits of insurance contracts to display alarms and reports
  • Ability to determine and choose mandatory conditions and excess insurance

10. Employee bond insurance

  • The ability to register details related to facilities and insurance details of employees’ properties
  • The possibility of registering and determining the insurance premium percentage for depositing to the organization’s fund account for fees and registering the insurance premium deposit percentage related to the insurance company
  • The possibility of registering optional properties covered by employee insurance
  • The possibility of registering and issuing a letter of introduction along with the deposit ID of insurance policies to present and introduce to the insurance company

11. Employee car insurance

  • The possibility of registering insurance details and car documents of employees and their introduced people
  • The possibility of registering the information of the car insurance policy application form by employees or regional representatives
  • Registration and maintenance of various application statuses and attachment of power of attorney of employees by the relevant official in the region or branches
  • The possibility of registering the share of the profit of participation in the interests
  • The possibility of registering and issuing the letter of introduction of the requested insurance policies of the employees to be presented and introduced to the insurance company
  • Periodically receiving and entering information related to damages and events of insurance items from the central insurance company or the insurance company.

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