Centralizing and Scaling Claims Handling at BNP Paribas Cardif

Overview

BNP Paribas Cardif, the insurance arm of one of Europe's largest banking groups, implemented our proprietary Higson solution to create a scalable and centralized claims handling platform. The project's goal was to streamline risk management and empower business employees with tools to self-manage and easily update the system, all in response to the company's rapid growth.

Key Challenges

With the dynamic growth of its partner network and an increasing number of offered products, the company faced the need to create a modern, online claims submission system. The key challenges the new solution had to meet were:

• Ensuring the performance and ability to scale effectively with growing business volumes.
• Supporting a diverse range of products and partners within a single system, without adding unnecessary complexity.
• Allowing for easy updates and maintenance directly by business users, without the heavy involvement of IT teams.

Solution Approach

In response to these needs, BNP Paribas Cardif chose the Higson platform for its flexibility, scalability, and business-user-friendly interface. The implemented solution addressed the key requirements by:

• Enabling business teams to independently edit forms, which allowed for on-the-fly modifications of labels, attaching dictionaries, and reordering components without needing developers.
• Providing a Claims Form Designer, which significantly simplified the update process and minimized the need for new code.
• Creating a Central Risk Definitions Repository, which stores detailed information such as risk names, descriptions, relationships, coverages, and sums insured. The ability to link a single risk to multiple products helped eliminate data redundancy.

Execution and Results

The implementation of the Higson platform delivered tangible benefits that directly addressed the previously identified challenges:

• Scalability and Performance: The system's architecture seamlessly supported the growing number of products and partners, confirming its readiness for future business growth.
• Centralized Claims Management: All claims can now be handled within a single online platform, which has led to lower costs and significantly simplified operational processes.
• Business User Independence: Business employees gained the ability to update forms and rules on their own, ensuring fast and efficient changes without having to wait for IT support.

Conclusion

The project transformed the claims handling process, replacing potentially fragmented systems with a single, central, and scalable platform. A key achievement was making business teams independent from IT in the day-to-day management of the system, which brought the company greater operational agility and allowed it to more effectively manage its growing scale of operations.