Zbudujplan.pl - Policy Configurator.
Business context and goals
The life and health insurance market is becoming increasingly complex, and customers expect simplicity, transparency, and instant calculations. Discoveria Sp. z o.o. approached Yellows.pl with the need to create a tool that would combine data analysis, insurance product logic, and intuitive UX.
The result is an intelligent policy configurator that analyzes user needs in real-time and generates personalized recommendations.
Key Business Goals:
- Advisory Automation: digitization of the needs analysis process and standardization of recommendations.
- Transparency (Real-time Pricing): instant premium calculation based on algorithms and dynamic tariffs.
- Lead Generation: acquiring high-quality "hot leads" and transferring them to agents in real-time.
Challenge: How to build an InsurTech policy configurator with real-time pricing?
The project required the integration of advanced product logic, technology, and user experience design. Key challenges included:
Complex product logic and tariffs:
- mapping price dependencies based on age, scope, and sum insured,
- dynamic premium recalculation in real-time,
- full compliance with actuarial requirements.
Performance and Big Data:
- processing large tariff datasets,
- optimizing calculation algorithms,
- a cloud-ready architecture resistant to high loads.
Automated document generation:
- PDF reports created on-the-fly,
- content personalized to the user profile,
- automatic attachment of General Insurance Conditions (OWU) in accordance with regulations.
