I. End-to-End Underwriting Workflow Management
· Functions: Covers both automated and manual underwriting processes, supporting multiple scenarios including new business, policy servicing, and claims. Cases rejected by automated underwriting are routed to the manual work pool. Manual underwriting supports task claiming, multi-level conclusion entry, and escalation by authority. Final underwriting conclusions are automatically synchronized with related systems.
· Pain Points Addressed: Reduces cross-system manual intervention and shortens underwriting cycles; improves decision accuracy and resolves inefficiencies in cross-system collaboration.
II. Assessment & Quality Inspection Management
· Functions: Includes configurable in-process and post-process quality inspection rules, task assignment, and task handling modules. Tasks are distributed based on staff permissions and workload balance. Quality inspection results are fed back to the original underwriters in real time.
· Pain Points Addressed: Standardizes quality inspection and task allocation logic, enabling accurate monitoring and evaluation of underwriting quality, solving the problem of inadequate quality assurance mechanisms.
III. Risk Information Integration & Inquiry
· Functions: Consolidates data such as cumulative risk coverage and historical policyholder/insured information, policy records, and historical notifications into a unified query platform. Through system interfaces, data is synchronized and displayed in real time across multiple systems.
· Pain Points Addressed: Breaks down data silos to provide comprehensive risk evaluation inputs, reducing misjudgment probability and resolving the issue of limited risk assessment dimensions.
IV. Reinsurance Processing
· Functions: Provides end-to-end management for reinsurance submission, response tracking, and decision support. A rules engine automatically validates requirements, supports manual submissions to reinsurance systems, and synchronizes responses in real time, triggering notifications.
· Pain Points Addressed: Standardizes information transmission workflows, shortens feedback cycles, and enhances coordination between underwriting and reinsurance, solving the issue of fragmented reinsurance processes.
V. Notification & Overdue Management
· Functions: Supports automated generation and distribution of notification letters, with reply tracking. Overdue replies automatically trigger reminders; repeated overdue events result in process termination and synchronization with related systems.
· Pain Points Addressed: Reduces manual tracking costs, prevents process stagnation, and resolves delays in process progression.
VI. Underwriting Appeals (Reconsideration)
· Functions: Provides a standardized path for handling disputed conclusions. Supports policy lookup for appeal eligibility, validates permissions during application submission, routes tasks according to authority levels, and updates final conclusions based on appeal results.
· Pain Points Addressed: Establishes a standardized reconsideration mechanism, ensuring regulatory compliance and reducing risks from unstructured dispute handling.
