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Insurance Company Electronic Form Submission

Azati developed online application forms for the automated process of application management: initial form submission, missing information gathering process, process of decision making, and insurance quote acceptance process.


Manual data processing has already gone by the wayside. For security reasons, as some companies believe, they still prefer this way of obtaining and classifying information. But who says manual processing is safe? Spending a lot of time, effort and ways of thinking is very energy-consuming for employees who subsequently fail and decide to quit. Still, filling out an online application with the necessary criteria already defined is much more convenient and faster. Therefore, such a product was necessary for the US national leader in healthcare liability insurance for medical and dental professionals, as well as hospital healthcare facilities, in order to save their employees’ jobs and get rid of a lot of waste paperwork received by fax.


Nowadays, there is no company that has managed to be available 24/7 and not to miss important details. In any case, one of the seemingly well-established processes fails over time, and the productivity of workers engaged in these tasks does not cease to fall. To solve all issues with the submission of various applications for the creation, modification and recording, spending a minimum of time will only be possible if you create an automated system. When Azati was approached, the customer had a target: to reach the necessary result of solving many tasks at the same time in a few seconds, and to be informed of the availability of the necessary data for filling in, adjusting to the request of the person filling in the request.


Manual paperwork to gather and process prospective client information became the thing of the past with its time-consuming and expensive flow:

  • Expensive transition of gathered data into diverse processing storages;
  • Information gathering process required involvement of various specialists: blank distributors, customer service managers, data validators, etc.;
  • Inconclusive candidate source data: retrieving excess information for review, or vise versa dealing with insufficient data that requires considerable review time and human resources.


As a part of integrated Self Serve portal, Azati has developed automated online forms for entry of customer data. Main features of the forms are the following:

  • Self-completion and submission of an insurance application from the client’s side;
  • 24/7 availability;
  • Validation layer of insurance eligibility data based on business rules prior to submission;
  • Form versions and supplements for specific locations and time intervals;
  • Automated applications processing as a part of business flow;
  • Immediate digital transmission of information and case creation;
  • Automated premium estimation;
  • Automated insurance quote generation;
  • E-signature for submissions;
  • Online requests for policy adjustment;
  • Soft copies entry process is easily outsourced;
  • Attachment of additional documentation;
  • Impersonation of form filling;
  • PDF on-the-fly generation.


Investing in online applications support offered benefits to customers and the companies alike. Customers now get what they want faster and company decrease its service costs. The benefits include:

  • Significant speedup of the application processing and quote approval:
    • A new and exciting direct-to-consumer proposition utilizing both the Internet and call center where less than 45% of applications are sent in paper form and 80% of policy adjustments are received online;
    • Versions of applications based on the state and/or effective date;
    • Intelligent data entry and reflexive questioning;
    • A detailed electronic underwriting process with a complete ruleset and flexible decisions achieving around 40% straight-through processing;
    • Average completion time for the online application process of approximately 30 minutes end-to-end;
  • Strong sales results exceeding the insurance carrier’s production expectation:
    • Increased detection of potential clients;
    • Automated communications to candidates with increased submission ratio;
    • The human factor minimized for application submission.




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