Healix International - Travel Policy Sales

Background

Healix International is a leading supplier of medical screening information to the travel insurance sector. Healix’s clients previously experienced delays in initiating policy sales as medical screening was offered via a standalone database or over the telephone. Retail Answers was appointed to develop a ground-breaking policy sales system to improve Healix’s offering and reaffirm their market leadership.

Project Summary

This revolutionary new system built by Retail Answers has allowed Healix’s clients to improve the accuracy of risk assessment whilst removing the delays associated with screening travellers over the telephone. The system captures personal and travel data as well as asking a range of questions to assess each medical condition. The medical score is then converted to an additional premium or excess before payment is taken and the policy documentation issued. A key consideration was Healix’s ability to add new clients themselves including the site branding, scheme definition and pricing rules. Retail Answers developed this as a web-based system in .NET with a SQL Server database:

Benefits

Travel insurance providers are now benefiting from:

Consistency in analysing medical risk leading to pricing accuracy
Integration of policy sales and medical risk assessment means that data is only entered once, sales processing is quicker and customer satisfaction increased
The removal of the constant need for communication between medical assessment and policy sales personnel reduces administrative overheads and increases profits
Operating through the internet and call centres, the system has proved to be robust and easy to use for both sales teams and online consumers
Schemes can be modified quickly and easily without any changes to the software
The highly flexible system can be deployed within days without software modifications to cater for the branding and policies of different clients
The system has a servive orientated architecture utilising services from independent payment provider Protx to ensure a secure payment process, which is also quick and flexible

Russell Smith, Commercial Manager at Healix International commented:

“Retail Answers was responsive in assisting us to meet our objectives of increasing market penetration and customer service. Their ability to generate ideas resulted in the development of a highly reliable and truly unique online policy sales system”