E2E Active Protection Insurance in Mobile Banking Qorus-NTT DATA Innovation in Insurance Awards 2026

The Active Protection product is a prime example of embedded insurance, designed for the modern, mobile-first user.

•User Experience: The application process is optimized to be completed in under 2 minutes, requiring zero medical exams or physical paperwork.

•Accessibility: At a competitive monthly premium, it offers global coverage for accidents and injuries.

•Value Proposition: By integrating insurance directly into the banking flow, UniCredit Bulbank provides "protection on the go," ensuring that financial security is accessible to all segments of the population with a single tap.

Strategic Impact

These features represent a shift from traditional transaction-based banking to a holistic financial partner model. By digitizing long-term savings and immediate personal protection, Bulbank Mobile achieves high engagement rates, reduces operational costs, and leads the market in Paperless Banking and Financial Wellness.

High-Speed Activation (Instant Issuance): Recognizing the need for speed in the digital age, the "Active Protection" insurance is designed for instant activation. The application flow is optimized to take less than 120 seconds, with no medical examinations or complex questionnaires required.

Global Coverage & Comprehensive Protection: This product provides a robust safety net that is valid worldwide. It covers a wide range of risks, including temporary or permanent disability and fractures resulting from accidents, ensuring the client’s financial stability regardless of their location.

Embedded Insurance Excellence: This feature demonstrates the transition from traditional banking to an "embedded finance" model, where protection is integrated into the daily financial ecosystem of the user.