Solution: A fully digital CORE platform
Before choosing a new solution, Popermo explored the option of developing an in-house system. However, the investment required to match member expectations in the claims process – and the IT resources needed to operate it – would be too high.
After reviewing the market, Popermo chose Scalepoint CORE – a SaaS-based, preconfigured claims platform with customization options, operated and maintained by Scalepoint. The agreement was signed in 2020, and the system went live in 2021. Implementation took just nine months. Today, CORE handles all 20,000 claims reported by members annually.
“Compared to development projects that take years, we launched quickly with the cloud-based CORE. Internally, we streamlined processes, improved claims quality, and shortened turnaround times. And the system lets us focus entirely on the member experience,” says Henrik Boysen.
Creating Online Claims Reporting
When CORE launched, Popermo also identified the need for a fully digital claims intake solution. Historically, claims were submitted via email, phone, online, or even by letter. But to eliminate manual processes from end to end, the integration had to start at the first member touchpoint – when a claim occurs. This led to the joint development of Online Claims Reporting, launched in 2022.
Online Claims Reporting fully digitalizes the FNOL process, covering the first notification of loss. Members can quickly report a claim online, attach documentation, and receive fast resolutions. In simple cases, they’re directed within minutes or hours to ClaimShop for repurchasing lost items – or to health professionals, contractors, or repair shops of their choice.
Result: Strong process integration and high quality
The core value of Scalepoint CORE for Popermo lies in fully digitalized claims processes – from the moment a claim is reported to final settlement. Digital transformation has freed up both admin and IT resources and ensures that members are guided through a modern, up-to-date system.
“We’re best-in-class after implementing Scalepoint’s complete solution. We’ve achieved strong integration and transparency across all claims activities, guiding members from start to finish. And we’ve future-proofed the claims area. The system updates automatically – so we keep pace with the times, with developments, and most importantly, with our members’ expectations,” says Henrik Boysen.
Popermo also sees huge potential in automation. Most claims are simple and can be automated, allowing staff to focus on complex cases where members need more support – such as fires, water damage, personal injuries or other major claims. Popermo expects to see the benefits of this shift throughout 2023.
About Popermo Forsikring G/S
Popermo is a Danish insurance company offering coverage to employees in the police, courts, state sector, schools, and healthcare. Its story began in 1963, when a group of police officers started their own insurer to offer affordable car insurance. They were known for driving safely and having fewer claims. Today, Popermo offers all types of personal insurance and is fully owned by its members – with no shareholders to serve, only members to create value for.
