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BINAGRIYA INSURANCE APPLICATION

Digitalizing Claims and Policy Processes to Improve Operational Efficiency in Life, Property, and Vehicle Insurance

Background

As one of Indonesia’s leading insurance companies focusing on property and vehicle insurance, Binagriya faced challenges in managing claims and policy administration processes that were still largely manual. Claim submissions relied on physical documents, multi-layered reviews, and cross-department communication, resulting in delays in claim resolution and decreased customer satisfaction.

To address these challenges, LOGIQUE was entrusted to develop a digital, mobile-based application system to accelerate the claims process, enhance data transparency, and enable customers and agents to access insurance services in real time.

Project Summary

Aspect

Details

Objective

Digitalization of insurance claim processes and policy management

Platform

Admin CMS & Mobile App (Android & iOS)

Development Duration

MVP delivered in 4 months, followed by phased development and maintenance over 2 years

LOGIQUE Project Team

Project Manager, UI/UX Designer, Web & Mobile Developers, QA Tester

Scope

Online claim module, digital policy management, agent dashboard, status notifications, and tracking features

Binagriya Team

IT Manager (BIMO), Insurance Business Team, Claims Operations Team

Collaboration Process

The process began with requirement-gathering workshops involving Binagriya’s business and IT teams to understand existing claim workflows and user needs.

LOGIQUE conducted an in-depth analysis of insurance business processes and designed a digital workflow aligned with regulatory requirements and internal SOPs.

Interactive prototyping was carried out to ensure ease of use for customers and agents.

Full-scale development followed, including core system development and API integrations with Binagriya’s internal core and care systems, supported by the care team.

Each development phase was accompanied by joint User Acceptance Testing (UAT) before proceeding to the next release.

Key System Features

Online Claim Submission

Customers can complete digital claim forms and upload supporting documents (vehicle photos, third-party transaction evidence, etc.)

Digital Policy Management

Access to active policy data, payment history, and coverage status directly through the application.

Agent & Admin Dashboard

Provides real-time data for monitoring claim progress and agent performance.

Automated Notifications

Claim status updates are delivered directly to users via email or push notifications.

Digital Document Validation

Supports digital signatures and electronic internal authorization.

Challenges and Solutions

Challenges

Complex insurance business processes with multiple validation stages due to integration with Binagriya’s internal care and core systems.
The need to integrate with existing legacy systems.
Diverse user groups, including customers, agents, and internal teams with different roles and access levels.

Solutions

Modular and scalable architecture design to enable seamless integration with legacy systems.
Development of a flexible, configurable claim workflow without requiring major code changes.
Intuitive, mobile-first interface design to ensure usability across devices.
Implementation of security layers and data encryption in compliance with insurance industry standards.

Why Choose LOGIQUE for Digital Insurance Solutions?

Proven experience in developing digital systems for the financial and insurance industries.
An agile, results-driven team that adapts quickly to business needs.
Secure, scalable solutions ready for integration with existing systems.
Strong focus on user experience for both customers and agents.
End-to-end services, from requirements analysis and design to development and ongoing maintenance.