Intellimin is designed to save you time and money by providing automated policy application and underwriting, policy administration, billing and claims.
Intellimin has been created to meet the dynamic nature of the insurance industry. The system can quickly adapt to new products and distribution channels as they arise.
Platform Features
Our modules make up the highly configurable nature of Intellimin, improving the overall experience for the customer. Our platform provides a digital, innovative and automated solution for all of your daily operations. The modules are flexible and customisable to support your existing business processes, direction and future growth.
Sales and Policy Issue
Sales advisor portal that enables advisors to complete complex policy applications with their clients and view their applications. The portal is configurable to support the automated underwriting and straight-through processing of an application and the issue of a policy.
Self-Service
Customers can control how and when they interact. Policy documentation and communication are entirely convenient and downloadable. There is also the ability to make policy changes, update contact details, change payment details and lodge claims and requests, all in one place.
Policy Administration
The platform allows effective management of group and individual businesses, including inherent compliance, policy administration, and renewal functions, creating a centralised view for the customer.
Product Management
Bring new products to market quickly through the configuration of the platform regarding underwriting, benefits, and premium pricing rules.
The product management module supports the creation and maintenance of products. Products can be created with a variety of configurable rules that are then used to determine underwriting outcomes, calculate levels of cover for existing conditions, calculate premiums and commissions and determine claim adjudication outcomes.
Automated Underwriting
Enables policies to be issued and policy changes to be made in real-time with full underwriting applied. Underwriting rules and outcomes are defined in a graphical form for easy understanding. The system is then configured to ensure the rules are accurately applied at onboarding and for ongoing policy administration.
Communication Management
Centralises the generation, printing, viewing and electronic transmission of all customer communications.
The communications management module provides an efficient process for the production of all customer outputs. Full history of communications exchanged are available.
Group Administration
Management of group business including billing, premium discounts, renewal terms and tailored products that are applicable to policies within a group is available.
Billing and Accounts Receivable
Automation of premium billing, payment processing, and receipting functions to support variable billing terms, frequencies and payment options.
Accounts Payable
Manage the automated generation of scheduling, payments and communication relating to the claims, benefits and commission.
The accounts payable module provides functionality to pay claims to policy owners, providers, and facilities for life and health insurance products and pay commission to sales agents.
Commissions
Real-time events and accurate renewal calculations, payment-based commission calculation, automated clawbacks, commission splits, stepped renewal rates over time, scheduled payments.
Claims
Fully automated adjudication of prior approval & claims and workflow management. Cover life claims, health prior approvals and claims for non-medical, medical and surgical.
This module provides an option of manual assessment or overrides of any claim. This is controlled through user security and can be restricted to users with designated authority to approve claims. Claims can be paid to multiple beneficiaries.
Workflow and Activity Management
Centralised activity tracking and workflow management to support the management of claims, policies, groups, providers and salespeople.
User Security
Maintenance of users and roles. The user security management module provides functionality to maintain application roles and users.
General Ledger Interface
Generation of general ledger journals for integration to third-party general ledger systems including premium, billing, claims and benefits, commission, loans, payment and payment reversal transactions.
Reporting
Provision of standard and customised operational reporting and integration to reporting tools, enabling the insurer to analyse their data.
Integrations and API's
Support of interfaces to external or third parties to meet the client requirements. API’s available for third party integration, that support quoting, policy application and on-going self-service processes. Providing easy access to external applications, such as Phone Apps, to exercise key business processes, with business rules and process integrity securely managed within the core system.
Mobile and Website
Modern responsive API-driven design supports website sales and self-service on mobile and other devices.
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