hr | ReFlex delivers flexibility and innovation in underwriting and claims
Automated underwriting and claims solutions continue to play a key role in streamlining risk and claims assessments, and improving efficiency. Hannover Re’s modular underwriting and claims solutions are designed to deliver flexibility and reduce dependency on IT production cycles.
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Description of solution
The hr | ReFlex solution usually integrates seamlessly with all modern platforms to analyse applicant data and medical records to produce instant risk or claims assessments. It leverages up-to-date medical research and advanced data analytics, with smart questionnaires that adapt to each applicant’s disclosures, aiming to achieve high-quality data collection.
hr | ReFlex offers the flexibility of a stand-alone version with a pre-defined customer journey and customisable branding, offering options for quick implementation or white-label solutions, as well as embedded modules that help facilitate a seamless integration into existing sales portals for a tailored experience.
hr | ReFlex is also available as a largely automated solution for junior underwriters in health insurance, immediate needs solutions and enhanced annuities insurance at point of underwriting. A major advantage is the flexibility to gradually automate underwriting and claims processes supporting a smooth internal adoption.
The solution supports a wide range of L&H products: life, critical illness, disability, child insurance, medical expenses, enhanced annuities, and immediate needs.
Expected benefits
hr | ReFlex is continuously evolving, with the latest features offering predictive analytics and expanded medical data integration. It leverages AI for maintenance, testing and operational models to help reduce costs and enhance scalability. We work in close cooperation with our insurance partners and leverage their feedback to shape future enhancements.
hr | ReFlex is designed to fit into most existing IT landscapes and adapt to future updates, contributing to long-term value and competitive advantage. Insurers adopting our solution benefit from:
- Decisions grounded in the latest data and medical research,
- Streamlined policy issuance and claims handling,
- Improved customer experience with tailored questions or data collected for individual circumstances,
- Consistent auditable decisions,
- Scalable automation adaptable to different markets and regulatory environments,
- Easy integration with most existing IT systems and future updates (3-6 months project),
- Significant time savings and accuracy improvements confirmed by Hannover Re’s customers, with positive feedback from both underwriters and clients,
- Potential to support higher sales and improved profitability for insurers.
“hr | ReFlex has transformed our underwriting process, allowing us to focus on complex cases while automating routine assessments.”
“The accuracy and speed of change requests exceeded our expectations, making it a valuable addition to our digital strategy.”
Implementation & process considerations
For insurers considering implementing hr | ReFlex, Hannover Re highlights the importance of starting with clearly defined digital processes and preparation for the downstream effects of an automated and fully digital process.
Success depends on tailoring solutions to local market needs, robust data integration, change management, and clear communication with internal stakeholders.
The insurer's implementation process may include system integration, pilot testing, and ongoing performance monitoring, with insights from Hannover Re where needed, aiming to enable continuous improvement.
How Hannover Re can support you
Hannover Re offers a range of support services, end-to-end support, including elements of product development, reinsurance solutions, and partnership management. Support is provided across all stages of the project journey, from implementation and optimisation to maintenance, helping to enable smooth integration and sustainable outcomes.
hr | ReFlex is suitable for property and casualty as well as life and health insurance. The modular architecture goes beyond automated underwriting, offering solutions such as Automated Claims assessment, the Underwriting Workbench for manual assessment of risks and claims, the Management Information solution for advanced data analytics capabilities as well as collaborations for a full-flexed insurance ecosystem also for agents, banks and call centres distribution.
To explore how automated risk and claims assessment can enhance your customer journey and transform your underwriting processes, contact your Hannover Re representative for a tailored consultation and proof-of-concept opportunities. Our solutions are continuously refined based on client feedback, the latest research and advances in data analytics, helping you navigate a rapidly evolving market.
Disclaimer:
The information presented in this case study, as well as in any other descriptions of projects or cooperations, is for general informational purposes only and does not constitute legal advice, regulatory guidance, medical advice, or any form of professional advisory service. To avoid any wording that could be interpreted as implying medical effectiveness, this document must not be understood as containing, asserting, or suggesting any medical efficacy claims. Nothing in this document shall be construed as a legally binding offer to enter into any contract or agreement of any kind. All results, performance indicators, and outcome descriptions reflect the specific conditions and parameters of the referenced project(s) or product launch(es). They are not guarantees, promises, or assurances of comparable or future performance in any other context. No warranty is given – whether express or implied – particularly that comparable or similar results can or will be achieved elsewhere. Any potential success of comparable initiatives critically depends on the lawful and compliant ability to contact policyholders, including the validity of any required consent under the applicable legal framework. All third‑party entities mentioned in this document, including insurtech companies, are independent businesses and operate separately and autonomously from Hannover Re. Their services, solutions, or technologies are neither endorsed nor guaranteed by Hannover Re and are subject to their own terms and conditions, unless explicitly stated otherwise. References to third‑party trademarks or brands are made solely for descriptive purposes and remain the property of their respective owners. No affiliation, sponsorship, approval, or endorsement by those owners is implied. Statements in this document regarding benefits, compliance requirements, risks, risk assessments, or business cases are based on our subjective experience, judgment, or interpretation. They do not replace - and must not be relied upon as a substitute for - independent assessment, verification, or due‑diligence activities by customers or other stakeholders. In particular, all aspects relating to data protection requirements (including but not limited to GDPR considerations) and AI‑related regulatory obligations must be independently assessed, verified, and evaluated by interested parties in light of their own legal and operational frameworks. The use of the terms such as “partner” or “partnered” without further qualification solely indicates that we cooperated on specific activities or exchanges with third parties; it does not imply a legal partnership, joint venture, affiliation, or any form of shared corporate structure. Each party acts independently and on its own behalf. Hannover Re and/or affiliated companies of the Hannover Re Group assume no liability for the accuracy, completeness, or future applicability of the information provided in this document.
