For the insurance industry


  • Analyses of payments.
  • Analyses of the risks and the insured.
  • Migration of the insured between the risks.
  • Associations between the products.


Due to the changes in many areas, including in particular in the health care area, the insurance market is currently growing very rapidly. The number of products and the insured increases, commissions frequently change, and configuration, in which the products are sold, change. High dynamics of changes requires rapid access to proven, reliable information so that the taken decisions and the created plans are justified by the facts and the results of the analyses, and are not based on assumptions and feelings.

A common situation in the brokerage companies is to have several IT systems to record different data: a separate system is used to record the risks for individuals, another one is to record the insurances provided for companies and institutions, another one is for financial and accounting support, and another one is used to register contracts of employment and remunerations of the employees. Existence of several independent systems effectively impede obtaining a consistent view of business.


The solution to the problem of integration of that data and thus obtaining a consistent and reliable source of the data for analyses and reports is to build the central repository for the data based on the idea of a data warehouse. In contrast to the database, the data warehouse stores the data so as to meet any reporting request the best and as soon as possible. The data from the field systems are transferred to the data warehouse through the ETL process, which cares about their accuracy, integrity and up-to-datedness. The ETL process can collect the data from any number of sources so that the concept of the data warehouse is not limited to the system or the location.

Integration of data between systems is not an easy task and, regarding the size of the data sets, it certainly cannot be executed manually. Within the works, it is necessary to establish the rules for integration, and often reversely complement the data in the field systems.

However, it is worth to spend time and resources to integrate. The possibility to analyse, on one summary, the data from different systems and even from different location provides, unreachable by integration, possibility to look at the company’s work as a whole, without division into the systems or the locations.


Establishing a central repository of the reporting data (the data warehouse) opens a very wide range of possibilities to develop credible, current and useful information based on the collected data.

The advantages of BI reporting based on the data warehouse are:

  • Possibility of connecting the data from different substantive areas,
  • Possibility of developing the cross-summaries,
  • Possibility of relating the data from the current time periods to the archive data.

The developed analyses should be properly presented, stressing the cases requiring immediate attention. With the development of the reporting system, the number of analyses increase, therefore they are grouped together in the form of the reporting desktops with varying levels of accessibility for the users.

The information presented in the analysis can be visualized in different ways, depending on the needs: table, pivot table, chart, measuring instrument etc. The information can be in one form or many forms. Each analysis can be exported to a spreadsheet to make changes.

For example, the set of the reporting desktops for the insurance industry.

Main managing desktop including the most relevant indicators, summaries and graphs. With access to such a desktop, the manager can at any time gain the knowledge whether there are situations requiring immediate attention.

The insured. The reporting desktop for analysis of the insured profile (division of the number of the insured based on age, sex, residence etc.).

Risks. The reporting desktop allows to easily check to whom and when the insurance ends, which risks were purchased for the first time in a given month, how many risks were renewed, how many risks end in a given month etc.

Insurers. The reporting desktop presenting the migration process of the insured between the insurers and to check whether and what connections exist in the purchased risks.

Contributions. The reporting desktop to check who and how long has been in arrears with payment of contributions, what is the total number of days of delay, what profits are generated by the contributions.

Simulations. The reporting desktop dedicated to simulations and what-if analyses. The example analysis can answer the questions, how will the profit change if commissions are of other values? Which products are worth to be connected in packages? What values will the profits have, assuming that the number of risks will increase by 5%, the contributions will increase by 1.2% in the first and by 0.5% in the second half of a year?

If, despite having the finished reporting desktops, the operator needs its own analysis, it can create, visualize and save it on its own desktop by itself.

Specialist IT knowledge or programming skills are not required in order to execute these operations.