KIAS: Insurance

KIAS – The corporate Information and analytical system for an insurance activity is created by Laboratory of Insurance proceeding from the collective experience of developers got by them during the work in large Russian insurance companies and also experience of a large number of professionals of these companies in different areas of an insurance activity. To development and active participation in problem definition KIAS such what it is today allowed to make their keen interest.

Solution

KIAS is the standard industry solution for insurance companies localized for the markets of the Russian Federation and the Republic of Kazakhstan.

The standard industry solution means that right after installation of a system and carrying out in it the minimum quantity of settings, it will be ready for operation. It is provided with existence:

• completely described insurance products on obligatory types of insurance - the CMTPL (Russian Federation), OSOPO (Russian Federation), GPO VTS (KZ) OS;
• all necessary for communication with uniform federal or republican insurance databases of the Russian Federation and KZ of program interfaces;
• the program interface with the accounting accounting system 1C: Accounting which is the most widespread in the class in the markets of the Russian Federation and KZ;
• powerful tools for the KIAS setup under individual requirements of the End user - Factory of products and Control panel settings.

KIAS provides IT support of all operations on an insurance activity, beginning from accounting of BSO, and finishing with automatic calculation of insurance reserves, with their subsequent automatic reflection in the accounting accounting system in the form of accounting entries.

KIAS supports maintaining an exhaustive range of the accounting items necessary at implementation of an insurance activity: partners, BSO, agreements (direct, the joint insurance accepted and the transferred reinsurance), losses, documents, regresses/subrogations, a suitable remaining balance, transactions and much, many other.

Delivery of KIAS on any of products includes a system core and also powerful tools (a core environment) for expansion of functionality of KIAS, the description unique insurance and accounting the practician of the End user, setup of business processes. These tools provide the KIAS custom setup which can be performed, both specialists of the Supplier of the solution, and specialists of the end user.

Background

KIAS: Insurance functions on DBMS Oracle platform (10.2.0.1)

Technology of interaction of the KIAS applications with DBMS - the client-server

Development tools:

• Delphi XE2 (Embarcadero RAD Studio XE2);
• Oracle Data Access Components Professional Version 8;
• Visual Components DevExpress DXv2.

KIAS: WEB is three-unit architecture. As the application server Microsoft IIS is used, applications are developed in the environment of Microsoft Visual Studio.

Functioning of client applications on computers of users is ensured only by installation of the application (the performed module) and existence at workstations of office applications MS Office (Microsoft Word and Excel). Installation of any other software (including drivers of access to DBMS) is not required.

Programs of the third parties

During the work of KIAS the following products and programs of the third parties are used:

• Oracle Database 10g, 11g DBMS
• Microsoft Excel 2003 above

Updating of KIAS: Insurance for support of information exchange of KIAS with the single database RSA on agreements CMTPL

Since January 1, 2013 the Russian Association of Motor Insurers (RAMI) puts into commercial operation the single database (ESBD) of the Russian Federation on agreements CMTPL which use by all members of the Union from the specified date is obligatory for obtaining information on the coefficients bonus-malus (CBM) for all insured under agreements CMTPL.

Input of ESBD in operation will provide maintaining history of insurance, uniform for all insurance market, for all drivers and owners of vehicles of the Russian Federation necessary for objective purpose of the raising coefficients when resuming insurance under agreements CMTPL. It is designed to exclude the vicious practice which developed in the Russian market when insurers when resuming agreements CMTPL come for bonuses (decreasing coefficients) to the insurer, and malusa (allowances to an insurance premium) if during insurance there were insured events, prefer not to pay, just changing the insurer.

The new functionality of KIAS connected with information exchange with ESBD allows clients of Laboratory of insurance – users of KIAS not only to obtain information from the single database RSA on coefficients a bonus-malus of the insured persons at execution of policies in a system and to save agreements and losses in ESBD but also and to make unloading of data on agreements CMTPL and losses from ESBD in the automated mode in the last two years.

As additional service function for users of KIAS in a system the possibility of a specialized request in ESBD at a design of quotations under agreements CMTPL is implemented by call center operators and also directly sellers of insurance products at execution of policies on remote sales points, in an agency and partner network.

All works on integration of KIAS with ESBD are performed by Laboratory of Insurance within technical support of KIAS, without additional payment by clients of new functionality of a system.

Thus, Laboratory of Insurance consistently implements the principle announced during creation of the company – the minimum costs of the clients - end users of KIAS at operation of a system in the course of its lifecycle.

In 2012 KIAS are implemented functionality of support of business processes of underwriting, functionality of automatic formation of turnovers on reserves, support of documentary model of settlement of losses. Besides, in a system possibilities of automatic "delivery" of the entering and outgoing payments which allows to rasshirovyvat data from different payment systems are created. And, at last, in KIAS opportunities for segmentation of the customer base, process of calculations of a commission fee for intermediaries, centralized operation by payments and some other are implemented.

One of the most significant projects of completion of a system is synchronization of KIAS with the AIS OPO system within which the functionality of "early warning" of changes in the AIS OPO is implemented. It allows to tune up KIAS almost in real time, without allowing mistiming with the AIS OPO which could arise in the course of not declared completions of a system.

Integration of KIAS with the system of DIKBM of the Russian Association of Motor Insurers is also completely implemented.

In 2013 Laboratory of Insurance LLC is going to focus, on the one hand, on completions of functionality of KIAS: in a system the description of the new insurance product "Compulsory Liability Insurance of Carrier" (1 quarter 2013), development of documentary model of functionality Reinsurance (the 2nd quarter 2013) and development of mechanisms of formation of accounting entries according to documents (the 3rd quarter 2013) is planned.

In 2013, proceeding objective assessment of opportunities of the company, the Laboratory of Insurance is going to open no more than two implementation projects of the full-scale version "KIAS: Insurance" in the Russian Federation and one in the Republic of Kazakhstan.