Insurance

The Central Asian insurance market is growing fast, but most companies are technologically stuck in the paper policy era. The core system — often a homegrown one on Delphi or Oracle Forms — stores policy and payment data, but nothing exists around it. An agent fills in a paper form, brings it to the office, someone enters the data into the system. A client who has filed a claim calls every week to check status — and nobody can answer, because the file is sitting on an expert’s desk in a paper folder.

Replacing the core system is expensive and risky, especially when it has been running stably for 10–15 years. But you can build a digital contour around it: an agent portal with online calculators and automatic underwriting for standard products, a client portal for policy purchase and claims tracking, an automatic commission calculation and agent network control system. Each of these modules connects to the core via an integration layer and extends the company’s capabilities without risks to the core.

I start with a diagnosis: how the process is structured from sale to settlement, where the data is, what the gaps are between systems. Typical findings — agent network without control, manual underwriting even for standard products, claims handling that is 80% paper work. Priority is determined by where it hurts most: if the main problem is sales, we start with the agent portal and CRM; if it’s loss ratios — with claims automation and portfolio analytics.

The result is an insurance company that can serve a client in minutes rather than days, monitor its agent network in real time, and make tariff decisions based on data rather than intuition.