Insurance Company Portal Development
An insurance company portal automates online policy sales, claims settlement, and insured's personal account. Insurance operations in the Russian Federation are regulated by the Bank of Russia: all products must comply with insurance rules registered in the CBR.
Online Policy Sales
OSAGO — the most technically mature product for online sales:
- Integration with RSA AIS for KBM calculation (bonus-malus coefficient) and vehicle verification
- Real-time cost calculation
- Online payment → instant issuance of electronic policy (e-OSAGO)
- Data transmission to RSA AIS within 1 business day
Other products (CASCO, DMS, IPL, travel insurance) — more complex from underwriting perspective, often require manual review for complex cases.
Insurance Calculator
Interactive cost calculation: user enters parameters → instant calculation by tariff rates. For CASCO: brand/model/year → vehicle value (Audatex) → tariff by regional theft statistics.
OSAGO aggregator (Inguru, Banki.ru model): portal shows offers from multiple insurers simultaneously via aggregator API.
Online Claims Settlement
Filing insurance claim without office visit:
- Event description, date, place
- Photo/document upload (certificates, police reports)
- Bank details for payout
- Claim status tracking
Statuses: received → under review → documents required → approved → paid.
For OSAGO: integration with European Protocol — insured fills traffic accident notification online (via RSA app or portal).
Insured's Personal Account
- Active policies with expiration dates and renewal option
- History of claims and payouts
- Documents (policies, contracts, reports)
- Notifications of policy expiration approaching (30 days prior)
- Vehicle inspection appointment booking
Anti-Fraud
Insurance fraud is systemic problem. Technical measures:
- Data verification via external sources (Traffic Police, CRB, RSA AIS)
- ML-scoring of claims by fraud patterns
- Integration with insurance history bureau
- Automatic flagging of suspicious claims for manual review
Integrations
| System | Purpose |
|---|---|
| RSA AIS | KBM, driver database, e-OSAGO |
| Audatex / EurotaxGlass | Vehicle valuation |
| Traffic Police API | VIN and license plate verification |
| FTS (ESIA) | Insured identity verification |
| CRB (Equifax, NBKI) | Credit history for life insurance |
Timeline
Portal with OSAGO online, insured account, claims: 4–5 months. Multi-product portal with aggregator, anti-fraud, all system integrations: 8–14 months.