• Manual, paper-based broker workflows leading to operational delays and errors
  
• Long underwriting turnaround times (TATs) impacting broker and client experience
  
• Limited integration with regulatory bodies and core insurance systems
  
• Need for a scalable, phased solution adaptable to growing digital requirements

Cloudseed developed a web-based SME Medical Broker Portal, delivering:

End-to-end broker workflow digitization: Enabled brokers to create accounts, submit member census data, validate documents, generate quotes, make payments, and issue policies seamlessly online.

Real-time integrations:
Built integrations with:

• DHA (Dubai Health Authority)
  
• HAAD (Health Authority Abu Dhabi)
  
• TPA systems (e.g. Mednet)
  
• Company’s core insurance administration systems
  
  

Phased rollouts:
Implemented in phases for agile delivery:

• Phase 1 (MVP): Document processing and policy issuance workflows
  
• Phase 2: Digital onboarding, quote comparison, renewals, and upcoming mobile access for members
  
  

Secure payments & compliance: Integrated real-time payment gateways with validation and audit trails to ensure secure transactions and regulatory compliance.

Reduced underwriting TATs: Automation significantly shortened policy issuance turnaround times.

Increased broker productivity: Simplified workflows and real-time processing enhanced broker operational efficiency.

Regulatory compliance: Ensured seamless, compliant integration with DHA, HAAD, and TPAs.

Optimized operational costs: Reduced manual effort and errors, leading to cost savings.

Enhanced broker & partner experience: Delivered an intuitive, partner-friendly digital solution supporting business growth.

Through the SME Medical Broker Portal, Cloudseed enabled the insurance company to transform its broker operations, delivering efficiency, compliance, and innovation in the highly competitive SME medical insurance segment, strengthening its market leadership in the UAE.