Full-stack vs Express
System comparison
Whether your organisation is new to the digital space or you are an experienced and long-term technology user, our top-class automation solution drives faster underwriting decisions, resulting in timely policy delivery and much improved customer satisfaction.
Which hr | Reflex solution is best for my business?
hr | ReFlex is Hannover Re’s automated underwriting engine, enabling insurers to deliver improved customer service and operational efficiency through the power of technology based on over ten years of underwriting automation excellence. Thanks to its inherent flexibility, you can choose an installation scenario that suits your unique business, accommodating your own individual needs, customers and technical set-up.
Discover two versatile options: hr | ReFlex Express, for streamlined integration and immediate efficiency, and the full-stack version, for comprehensive functionality and customised features. Tailor your automated underwriting to fit your demands and let our experts guide you through the process for maximum benefits.
How should you decide which of our top-of-the-line hr | ReFlex options suits your organisation? The swift and straightforward solution? Or the fully-featured alternative? Armed with well-established underwriting, market, development and reinsurance skills, outstanding IT capabilities and a track record of effective agile project management, our experts will take a close look at your underwriting requirements, technical circumstances and business needs and objectives together with you in order to provide professional advice on which solution is best for you.
Guided by your pace and capacity, they will also accompany you through the installation project, ensuring that you, your employees and your customers get the maximum benefit from your investment.
Flexible options
Hannover Re’s automated underwriting solution is available in different configurations to suit your business needs and take into account your technical circumstances and organisational set-up: hr | ReFlex Express and the full-stack option. At the core of both options is the hr | ReFlex risk assessment service with the knowledge base, containing medical and non-medical information and rules for all common products and riders in different languages. Both also offer a customisable technologie for presenting questionnaires and results, gathering data and controlling document creation. Further features include:
- Questionnaire visualisation
- Accessibility support
- Customisable UI with multi-device support
- Save questionnaire and return to it later
- Generation of assessment results
- Creation of contract documents
- Document signing
- Post-processing of assessment and result data
hr | ReFlex: The full-stack solution
For organisations that are ready to make a significant commitment to the digital space and require more functionality and more interaction with existing systems, while being prepared to dedicate more resources to the integration process, the full-stack solution offers the greatest flexibility and scope. It offers:
- Seamless integration with your existing web portal
- Customised selection of components
- Access to full hr | ReFlex functionality and add-on features including third party services
- Extensible and customisable user interface
- Comprehensive branding options
- Support in the preparation of assessments based on the data provided
- Full support for process customising and data access
hr | ReFlex Express: The core functionality solution
For those clients who are exploring the possibilities of automated underwriting, but whose IT resources are tied up in other projects, we recommend our entry level hr | ReFlex Express – a standalone web application needing little integration and adjustment effort while providing core full-stack system functionalities. hr | ReFlex Express offers increased process efficiency without compromising on risk selection standards and can easily be upgraded as required. Features include:
- Ease of integration into existing infrastructure
- Rapid set-up, thanks to the high level of prefabricated parts
- Rules pertaining to products, market, compliance and data protection can be tailored to suit your needs
- Options for some adaptations to reflect client’s branding (colours, logo, texts)
Which system works for my business?
hr | ReFlex slots into your existing infrastructure, ensuring you can use its advanced features to grow your business, regardless of your own organisational set-up. Both our solutions serve the same core purpose and can be applied to all products, so when it comes to making the choice between the core turnkey solution or the fully customisable version, we can help you weigh up the possibilities. The challenge facing insurers now, is not whether to automate their underwriting-related processes, it’s how to do it. For many insurers, building an in-house proprietary system is too complex, time-consuming and requires resources which are simply not available. So why not let Hannover Re assist you with its hr | ReFlex solution? With our experience and skills, we can not only spare the insurer the hassle of protracted development, we can also deliver a solution within a time frame that allows the business to quickly realise the benefits.
Full stacked (hr | ReFlex) versus core functionality (Express) solution
If you need further information or would like to send us feedback, please feel free to get in touch.
*The information provided in this document does in no way whatsoever constitute legal, accounting, tax or other professional advice. While Hannover Rück SE has endeavoured to include in this document information it believes to be reliable, complete and up-to-date, the company does not make any representation or warranty, express or implied, as to the accuracy, completeness or updated status of such information.
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