SK

EN

THE BETTER VALUE OF

A COMBINED RATIO

higher earnings from insurance premiums,

cheaper claims settlement, lower fulfilment costs

By automating and digitizing product sales, we provide higher insurance premium earnings.

More effective management of insurance claims accelerates the process and reduces its costs. Successful fraud detection increases the protected value of the insurance company.

Each solution individually, but also in combination, contributes to the higher profitability and competitiveness of the insurance company.

We are improving basic insurance mathematics

Combined ratio  =  (Incurred Losses + Expenses)  /  Earned Premium

Incurred Losses

Expenses

Earned Premium

Lower Incurred Losses

Achieved by better fraud detection with

the PosAm Fraud Detection System

Lower Expenses

More efficient claim inspections with

the PosAm Claim Management System

Higher Earned Premium

Thanks to unified sales support across all channels with the PosAm Sales Force Automation System

Unique solutions ensure

a competitive advantage

PosAm solutions for insurance companies optimize key business processes:

product sales, insurance claim management and fraud detection.

Sales Force

Automation System

Claims Management

System

Fraud Detection

System

PosAm is a stable and trustworthy partner