Medical underwriting
Medical selection in life and health insurance is a complex and costly activity to organise internally, given strict and evolving regulations as well as the strong
requirements for speed required in the insurance market, and in particular in mortgage and credit life insurance.
With its experience and a perfect knowledge of the key success factors in this field,
ORMA supports you and provides you with its high value-added expertise to meet the expectations of your customers and business providers.
Our offering :
- Study of your medical underwriting files in 24 or 48 hours.
- Pricing carried out according to your internal standards or according to your reinsurance scale.
- Validation of complex files by our medical advisers.
- Monthly reporting of files processed with the classification of decisions and statistics of processing times.
- ORMA provides you with access to its secure medical Extranet for exchanging and storing your digital files.
- ORMA's management chain is 100% digital or “paperless” in order to guarantee you optimal operational
Claims management
The effective management of claims is one of the major levers for the economic performance and the image of the insurer.
This performance is due to elements resulting from the level of quality of risk management when entering into an insurance agreement, but also and above all, from an
effective medical assessment of claims (pathology, frequency of sick leave by pathology, consolidation of the health status…).
Our offering :
ORMA offers insurers modular solutions for delegating their claims management:
- Reduction in the payment of disability and short term disability benefits: better control of claims.
- Better control of the justification for medical leave.
- Detection of false declarations and management of litigation.
- Decrease in mathematical provisions (improvement of technical accounts).
Consultancy
Beyond its know-how in medical underwriting and claims analysis in personal insurance, ORMA can bring you its expert vision
in the development or update of the benefits of your contracts, and the drafting of the clauses of the general conditions.
ORMA can also raise awareness and train your teams in medical underwriting and claims management.
Finally, ORMA can assist you in the design and development of automated underwriting and claims management tools.
