Take the plunge with the right digitalization strategy
It may be the case that the word “company health insurance provider” awakens an association with office rooms, files, dusty files and so forth in the mind of the interested reader – in other words, the opposite of digital transitions. Nevertheless, the exceptions confirm the rule. And that’s certainly true for BKK Linde. This is a digitalization story of the finest caliber. Listen and be amazed. How can it be, how did it work, and what was digitalized? All these questions were answered by Robert Leubner from BKK Linde at EASY WORLD 2019. Reason enough to summarize things again – for all of those who weren’t able to attend the event.
Scope: What was to be digitalized…
The digitalization project has two sides, one towards the customer and the other towards the inside, so as to accelerate processes within the health insurance fund. In this respect, the focus was on the customers, who will now benefit from the higher degree of digitalization of BKK Linde at the external level. BKK Linde has also digitalized, simplified and accelerated its internal processes – to the delight of its employees. What exactly happened?
On the customer side, a self-service app was introduced as part of the digitalization strategy. The goal was clear: To simplify the daily processing of all the health insurance matters for the members of the health insurance provider. Specifically, the self-service app covers the following areas:
- Submission of sickness notifications
- Bonus documents
- Applications or invoices using the photo function
- Digital mailbox
- Status tracking of applications and documents
- Editing of personal data
- Photos for the electronic health card
- Request for membership certificates
- Making contact, etc.
The BKK Linde self-service app is, of course, a considerable service benefit for the customers of the health insurance provider. Gone are the days of driving back and forth, following opening hours and much more. The customer can now find the aforementioned functions in an app which he or she can access at any time. The self-service app is available for iOS and Android. The interested customer can, of course, get the app from the iOS and Android app stores. But that’s not all.
More Frontends needed: the #HeroProjekt
For health insurance providers, the issue of family asset management is one of the most important projects to be completed each year anew. As a statutory health insurance provider, BKK Linde is obliged to regularly review the free-of-charge family insurance. In this respect, insured persons with family members are obliged to provide information on spouses or children, income and school attendance. It also makes it easier for customers to fulfill this obligation.
For this purpose, BKK Linde has developed an online tool with which the required information can be submitted using regular terminals. Whether it’s via a desktop computer, laptop or smartphone – the web frontend is available for every customer, saving them time and effort. Twenty thousand customers are already using it.
Health insurance digitalization – the tools of choice
How did BKK Linde implement this digitalization project? With the right tools of choice, of course. In this case: with EASY ApiOmat. The structure was as follows:
- The user data originates from the self-service app and the web frontend
- A security layer is used to connect to a REST API of the ApiOmat
- The ApiOmat connects the business processes in the BKK backend
It sounds clear and simple, and – even though it may be hard to believe – it was clear and simple. The BKK Linde team consisted of:
- 3 frontend developers
- 2 backend developers
- 1 BI developer
- 1 digitalization consultant
- 5 professional users
In addition to this were the services of a communications agency, 2 Alexa developers and the Apinauten developer team.
Especially appreciated during the development period is the chosen agile development approach. In this respect, the ApiOmat makes it easy for developers to follow the motto of “throwing away three times is better than holding on to nonsense just once”. Obtaining rapid feedback on the acceptance of self-services poses no problem for the ApiOmat. And changes that have been made can be reintroduced into the self-service products, and the product rapidly improved, just as quickly.
The results – so far
The numbers speak for themselves. The results of the self-service app together with an online tool for family asset management shows that services of this kind have been received very well by the customers. Maybe it’s time for a couple of numbers at this point. The data collected with the self-service app and the other tools have…
- a digital response rate of 96%
- a blind processing rate of 70%
The self-service app from BKK Linde has therefore been accepted by the customers very positively. At the same time, BKK Linde has also saved a lot of time with the new digital offer. The results are clear:
- A processing time saving of 80%
If we calculate this over a period of three years, we reach the following result:
- Total savings in personnel and material costs in the six-figure range
The bottom line, therefore, is that there are good grounds for claiming that digitalization plays a very important role in corporate strategy. Welcome to the present. BKK Linde has shown how it works. It can be summarized as follows: Making it easier for customers to take advantage of service offerings makes it easy for employees to manage their day-to-day work.