AVO-health

Digital Policy Issuance and Underwriting for Retail and Group Health

Empower your Health Insurance Intermediaries to manage and digitize the Sales and Underwriting life cycle efficiently using AVO Health – A Virtual Office Platform

Digital Transformation in Health Insurance Sales and Underwriting

‘Digital Sales & Underwriting’ solution for Accident & Health Insurance segment is powered by Agent Virtual Office (AVO) Health. It is an agent virtual office platform that provides a feature rich responsive web application. The AVO Health platform caters to both ‘Group Health Insurance’ and ‘Retail Health Insurance’.

Agent Virtual Office – Group Health Insurance

Comprises of core functional blocks in a modular setup. Each of the functional blocks or a group of functional blocks, may be leveraged independently to fit into the existing IT ecosystem of the insurance company

Master Data Management

Setup master data for all relevant fields

Quotation Management

Create quotes with multiple options

Premium Calculators

Provision for different premium calculation methods

Policy Issuance, Renewals & Endorsements

Straight through policies and policies with underwriting intervention
Real time issuance of policy schedule
Generation of renewal notice
Processing endorsement request

Commission Management

Effective remuneration transparency management

Insurance Agent On-boarding Solution

Simplified agent on-boarding process with end-to-end digitization

Payment Setup

Provision for multiple payment modes

Reports & Dashboards

View insightful MIS reports

Agent Virtual Office – Retail Health Insurance

Comprises of core functional blocks in a modular setup. Each of the functional blocks or a group of functional blocks, may be leveraged independently to fit into the existing IT ecosystem of the insurance company

Users & Hierarchy Management

Create users/sub users, assign privileges and hierarchy

Quotation Management

Create/modify quotes

Underwriting Rules

Configurable underwriting rules

Premium Calculators

Rating table based premium calculation or real time integration with core insurance system to fetch premium

Policy Issuance

Straight through policies and policies with underwriting intervention
Real time issuance of policy schedule
End to end policy issuance

Claim Intimation/Status

Intimate claims and real time claim status check

Policy Renewal

Renewal premium calculation
Renewal notice generation

Payment Setup

Enable agent to make payment through various modes
Enable premium payment from customer to insurance company

Commission Management

Remuneration transparency management

Insurance Agent On-boarding Solution

Simplified agent on-boarding process

Reports & Dashboards

View insightful MIS reports

Campaign Management

Create/manage campaigns and generate reports

Features

Explore AVO Health’s distinctive features that help in delivering value in terms of growth, operational agility, process digitization and enhancing intermediary engagement


API driven microservices based architecture


Guided sales process

Setup of underwriting and pricing rules


Tailored portals for stakeholders


Supports multiple payment modes

Integrates with external systems – Core Insurance System, Document Management System

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Interested to learn more about our solution for Accident and Health Insurance Sales and Underwriting?

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