"OnLine Group Health". One Signature. Zero Delay Qorus-NTT DATA Innovation in Insurance Awards 2026

The Why – Breaking a Broken Model

Corporate group insurance was slow, paper-heavy and operationally exhausting. Policy issuance required up to 20 days. Member updates took a week. Claims payments stretched to 15 days. HR departments were overloaded. Employees were frustrated. In a market where digital banking is instant, insurance was still manual. We decided not to optimize the process. We decided to eliminate its friction.

The Vision To create the first fully phygital, real-time group insurance ecosystem — combining human advisory with instant digital execution. Our objective was clear: • Zero paperwork • Zero processing delay • Zero operational burden for HR • Full 360° digital control for employers and employees

The Innovation OnLine Group Health is not a product upgrade. It is a structural redesign of the entire value chain: • Digital policy issuance in minutes • Automated premium activation via real-time standing order • Online employee onboarding within 30 days • Real-time member additions/removals • Fully digital claims submission and processing • Compensation paid within 2 business days Through two integrated platforms — EurolifeConnect (employees) and EurolifeEnter (employers) — we created a seamless 360° ecosystem.

State of Competition The market continues to rely on: • Manual documentation • Email-based member files • Offline claim processing • Multi-day approval chains Most competitors have partial digital tools. None offer a fully integrated, end-to-end real-time ecosystem with instant issuance and 2-day automated payouts. We moved from digitization to full orchestration.

Sources of Inspiration We drew inspiration from: • Real-time digital banking onboarding • Fintech automation models • Customer experience design thinking • Platform-based ecosystems • The need to align insurance speed with modern business velocity The ambition was to make insurance move at the speed of business.

Cross-Functional Execution This transformation required deep collaboration across: • Insurance Product Development • IT & Digital Transformation • Operations & Claims • Legal & Compliance • Risk & Actuarial • Retail & Corporate Banking Network • UX/UI & Customer Experience • Finance & Payments It was not a system upgrade. It was an organizational mobilization.

Measurable Results So Far The impact is concrete and measurable: • Policy issuance time reduced from 20 days to minutes • Claims payment reduced from 15 days to 2 business days • Member updates completed in seconds instead of 7 days • Zero physical documentation • Automated premium adjustments • Real-time employer control Operational workload reduced dramatically. Customer satisfaction increased significantly. Process risk minimized. Efficiency multiplied.

Strategic Impact OnLine Group Health positions us as: • A digital insurance pioneer • A phygital experience leader • A corporate banking value enhancer • A benchmark for end-to-end automation We did not modernize insurance. We redefined how it operates.