In a context of convergence between the banking and insurance businesses, and in order to combine development and profitability more specifically, insurance companies must:

• comply with the solvency and information standards as stipulated by the Solvency 2 regulations, aimed at improving cover for their risks;
• strengthen their prudential policy and fraud prevention/detection systems;
• extend their products to cover new requirements linked to socio-demographic changes (dependency, long retirements…) and to the change in public policies (health cover);
• differentiate their products to individuals in a market that is confused by the similarity of the products proposed by banks and insurance –in life and health as well as in general insurance;
• develop in-depth knowledge about their clients, their profile, notably in terms of risks;
• Simplify relations with their clients, more particularly the management of claims to reduce attrition rates;
• combine distribution channels and ensure the continuity of information on the policyholder between traditional networks (agencies, general agents, brokers) and the online channel (direct or indirect) at all stages of the relationship;
• ensure the quality of their back and front office and their organisational and technological interfaces whilst controlling costs.

KEYRUS EXPERTISE COVERS A VARIETY OF SOLUTIONS DEDICATED TO INSURERS, WELFARE INSTITUTIONS AND NATIONAL HEALTH SERVICES

Keyrus has for the last 15 years been developing skills in insurance businesses covering the major functions of the industry (claims, administrative management, client services, assets, networks…) and has thus grown to be a global and relevant partner in the sector for a large number of the profession’s key issues:

• creation of processes and information governance compliant with Solvency 2;
• definition and implementation of multi-channel strategies;
• implementation of software packages for urbanization, control and supervision of insurance information systems;
• deployment of control solutions dedicated to major insurance functions (‘client’ control, claims managements, anticipation and monitoring of risks (scores, data mining, rules bases ...);
• implementation and deployment of functional analytical applications (Finance, HR, Sales, Marketing…);
• construction of unified notification and claims processing platforms and client portals contributing to reduce costs and strengthen client loyalty.