Case Study: The Helsana Group achieves efficient, transparent underwriting with ACTICO Rules (ACTICO)

Efficient Risk Management in Underwriting with ACTICO Rules

The Helsana Group, one of Switzerland’s leading health and accident insurers, faced a need for greater efficiency and transparency in underwriting: complex checks, calculations and weights made risk pre‑checks slow and hard to control. After evaluating vendors, The Helsana Group selected ACTICO and its ACTICO Rules business rules management system (BRMS) to give business users a user‑friendly, integrated way to model, test and adapt underwriting rules.

ACTICO implemented a visual solution using ACTICO Modeler to create decision tables and flow rules and deployed the logic centrally as web services in a “Decision Broker.” As a result, risk pre‑assessments are automated and fed directly into the underwriting process, models are maintained by business departments, governance and access controls simplified rule management, and integration is streamlined through centralized services — delivering clear improvements in process control and transparency with ACTICO.

The Helsana Group

Nina Röhner

Strategic Underwriting