Information technologies in the Insurance House VSK
The article is devoted to the digital transformation of the VSK Insurance House.
2024: VSK tested a solution for training neural networks and ML models on Yadro equipment at the AFL site
VSK Insurance House tested an integrated solution at the stand of the FinTech Association (AFL), built on YADRO equipment. The main purpose of the tests was to train and test neural networks and ML models that require high processor power. VSK Insurance House announced this on February 5, 2024. Read more here.
2023
Registration of a medical policy using a digital ruble
The first medical policy paid by digital rubles has been issued in the Insurance House of VSK. The company announced this on September 20, 2023.
The first to purchase a policy with digital rubles was a resident of Moscow. He designed a program for a comprehensive examination of the body "Health course. Check-Up».
Insurance House VSK takes part in the Bank of Russia pilot project to test the digital ruble from August 15, 2023. A limited number of companies were admitted to the pilot project of the Central Bank of the Russian Federation.
As part of the pilot project, the opening of wallets in digital rubles is tested - by the bank and the client, transfers between customers, as well as the process of paying for goods and services using the new currency.
For September 2023, in VSK, digital rubles can be paid for the program of a comprehensive examination of the body "Health course. Check-Up "and the express insurance policy of the apartment" Meters. "
 | We see the demand of customers for new payment opportunities and believe that transactions with virtual currency can become quite popular by analogy with the fast payment system. For example, about 45% of customers pay for insurance products using SBP. For us, the Digital Ruble is already the second profitable option for accepting payments. For the client, it is also quite easy to use: you need to open a digital wallet in the application of your bank, scan the QR code and pay. As part of our participation in the Bank of Russia pilot project, we were able to test the entire chain of interaction between the regulator, partner bank, insurer and client. We are ready to scale to other VSK products, - said Olga Sorokina, member of the Board of Directors of the VSK Insurance House. |  |
The digital ruble was created to become another means for payments and transfers, which will not depend on the restrictions of banks in the form of commissions and limits. This form of money will allow citizens to freely pay and transfer digital rubles within the balances of funds in the digital ruble account. Operations will be free, and for business - with a minimum commission.
Connecting to Your Organization Digital Profile
The "Digital Profile of the Organization" has been launched in Russia, which will allow businesses to offer electronic services without providing documents. The first to connect to the system was VSK Insurance House, which his press service announced on September 7, 2023. Read more here.
Olga Sorokina, Insurance House VSK on TAdviser SummIT - about the four main directions of digital transformation
In her speech at TAdviser SummIT 2023, Olga Sorokina, a member of the Board of Directors of the VSK Insurance House, focused on the goals of digital transformation, its effects on business, as well as on transformation management and targeted IT architecture.
The speaker highlighted four key areas of digital transformation in the company, each of which then presented more details:
- client service;
- operational efficiency;
- new income streams;
- new markets.
In the first direction in the company, the digital transformation was built "from the client." For example, an end-to-end, seamless remote settlement path under CASCO was created, from the purchase of this client service to the settlement. This led to an increase in operational efficiency: the costs of admission and processing of the application were halved.
The main task in terms of improving operational efficiency was to ensure that the entire team, including developers and testers, worked for the financial result. In technological terms, the VSK Insurance House was faced with the task of implementing the automation of business processes not only on its side, but also partially closing the lack of digitalization opportunities on the side of numerous partners (car dealers, banks, retailers, etc.). Solutions actively developed for the company in order to improve operational efficiency - digital assistants, systems for recognizing unstructured data, speech analytics, voice and text bots, work with data.
Based on the solution for voice analytics, a complete decoding of the communication between managers and clients was implemented, which increased the performance of their work by 1.5 times. In the context of working with data, Olga Sorokina emphasized the importance of interacting with, state which, thanks to digital transformation, begins to provide a variety of GIS to businesses. information For example, as part of mortgage insurance, the company uses the USRN data in order to correctly assess the risk or insure an apartment.
The biggest effect for business is provided by the third direction of digital transformation - new revenue streams. Olga Sorokina illustrated this with a specific example: the company's specialists have created an API integration platform that already has more than 40 products, more than 200 partners are connected to it.
The main task of digital transformation in this direction is to be present wherever the client achieves his goal, for which he decided to spend money - buying a car, an apartment, Olga Sorokina noted. The key task of this communications platform is to build the most effective channel of interaction with the client, such as where less money will be spent.
Another area of digital transformation - new markets - allowed the insurance company to go beyond the insurance business, namely, to the IT market and the medical services market, Olga Sorokina stated. The transition to a new microservice architecture has formed not only new competencies, but also made it possible to create the Marlin development platform, which High Digital Technologies began to offer on the foreign market, and HR services have transformed into a market platform for loyalty programs - more than a thousand partners are already working with it. In addition, VSK has created a medical company - Digital Clinic.
In terms of managing digital transformation, VSK Insurance House took the SAFe methodology as a basis. At the same time, all IT developments have been transferred to a flexible methodology, and 100% of strategic initiatives are being implemented on it. Within the framework of SAFe, teams are called trains, and such trains are now in 11 - LifeStyle, new insurance models, personnel, etc. The methodology, among other things, makes it possible to see in which systems the queues are critically accumulated, to reduce this load in a timely manner.
In conclusion, Olga Sorokina briefly spoke about the target IT architecture of the company, which includes several dozen different systems, both proprietary and taken from the market. The speaker outlined the key principle when choosing between his own development and the search for a system on the market: if the technology forms a competitive advantage for the company, the solution is developed on its own, if the technology in the market has become generally accepted, the solution is purchased on the market.
Systems based on a microservice architecture, on which half of VSK's business services are already operating, are important. Olga Sorokina stated that the company's digital transformation strategy in 2020 included a move away from monolithic systems towards microservice development, and in this regard, the company's strategy coincided with the tasks that the state subsequently set for business.
| | When we went into digital transformation, the key was the condition that our IT employees look at automation, the development of new solutions through the eyes of business, - said Olga Sorokina. - Even if you are a developer or tester, your performance indicator also includes business indicators, because the key task is to ensure that the entire team works for business results. | |
TAdviser SummIT took place on May 30, 2023 in Moscow and gathered more than 1000 participants. Reports were made by Deputy General Director of Russian Railways Yevgeny Charkin, Deputy Head of the Federal Treasury Alexander Albychev, Senior Vice President of VTB Sergey Bezbogov, Vice President for IT EvrazHolding Artem Natrusov and many others. In a panel interview, Deputy Minister of Digital Development of the Russian Federation Maxim Parshin answered questions from the organizers and guests of the summit.
TAdviser Summit General Partner
Insurance House VSK became the general partner of TAdviser Summit, one of the most prestigious and influential information and analytical conferences in the field of IT and digitalization. Read more here.
Insurance under VHI of Lanita employees
On February 27, 2023, the VSK Insurance House announced that it had insured employees of the multidisciplinary group of IT companies LANIT with voluntary health insurance (VHI) policies. Read more here.
Opening of the Department of Innovation Project Management together with RANEPA
Insurance House VSK January 27, 2023 announced the opening of the Department of Management of Innovative Projects and Digital Transformation at the Russian Academy of National Economy and Civil Service under the President of Russia (RANEPA). Read more here.
2022
Key IT Transformation Projects
Insurance House VSK on December 5, 2022 shared key IT transformation projects within the framework of TAdviser SummIT.
The formation of a targeted IT architecture for the implementation of an internal business strategy, the digitalization of the VHI segment and the use of artificial intelligence in underwriting, settlement, sales and other processes are the key areas of VSK's business development. At the TAdviser SummIT 2022 conference, Olga Sorokina, a member of the Board of Directors of the VSK Insurance House, shared the company's strategic plans. And Timofey Russkikh, a representative of the Center for Business Technologies of the VSK Insurance House, highlighted the problem points of import substitution and the company's use of its own microservice platform Marlin.
Since 2020, VSK has switched to an operating business model based on the SAFe methodology. The matrix management system allows you to increase the speed of decision-making, employee productivity through an effective motivation system and continuous targeted training of the team, optimize interaction with the client. At the beginning of December 2022, SAFe was scaled up to all VSK divisions. The plan includes the introduction of Objects & Key Results (OKR), which will allow teams to focus on achieving super-results, regardless of motivation.
The digital transformation of the insurance market contributes not only to improving the internal business indicators of companies, but also to the accelerated development of the segment, the emergence of new products and services on the market. The driver of this process can be cross-industry strategic development - the use of experimental legal regimes (EPR) in the field of medicine, in the automotive segment and in the real estate market.
Insurers need to expand the horizons for the use of artificial intelligence (AI). AI technologies are actively used in operational processes, sales, underwriting, risk assessment and forecasting. The introduction of AI will increase the volume of sales of insurance products, reduce the company's operating costs, and improve customer experience.
| | The main advantage of digitalization is the simplification of the client path, optimization and transformation of internal processes to increase operational efficiency. As of December 2022, insurers are actively using bots to communicate with the client, introducing artificial intelligence to switch to a completely remote settlement of auto insurance losses, and developing services to simplify the process of prolonging existing insurance contracts. In addition, in some areas, IT implementation can solve critical problems. In medicine, for example, this is an increase in the availability of medical care, the spread of preventive - preventive - medicine, - said Olga Sorokina, member of the Board of Directors of the VSK Insurance House. | |
Creation of the IT company "High Digital Technologies"
In 2022, Insurance House VSK created its own IT company - High Digital Technologies (VCT). According to the Unified State Register of Legal Entities, LLC High Digital Technologies was registered on November 2, 2022.
The subsidiary of VSK is engaged in consulting, software development, the introduction of digital solutions based on open source technologies and domestic software.
Overview of key digitalization projects in the company
"Now, despite the fact that insurers are actively investing in digitalization and technology development, there are a number of legislative barriers that slow down the introduction of technology in the industry. For VSK, the most priority projects are simplification of data exchange between market participants, open data, digitalization of insurance medicine, digital mortgages, "said Olga Sorokina, member of the Board of Directors, Deputy General Director for Business Development of the VSK Insurance House in November 2022.
One of the promising projects in the segment of domestic FinTech is getting market participants access to the digital profile of a citizen after receiving the appropriate consent of the user. Thus, the Central Bank plans to introduce the possibility of providing such consent using the mobile application "Public services." Insurers on the AFL site are working on the issue of providing access using SMS confirmation - this will popularize the Digital Profile, make the service more accessible, for example, for those who do not have the Public services application.
In the future, the concept of a digital profile can be expanded by filling the system with information from near-state databases, such as ePTS, GLONASS, etc. This will also simplify the process of resolving insurance claims. In addition, VSK plans to integrate a digital profile into a personal account for legal entities.
Representatives of the insurance community, together with banks, are actively discussing at this time tools that will allow transferring the process of issuing a mortgage completely to the online format. Already at the AFL site, within the framework of this concept, formats of interaction between insurers and banks have been developed.
VSK joined the Digital Bank Guarantees service on the Masterchain platform in 2022, this made it possible to increase transparency in the electronic trading market, reduce operational risks, eliminate the possibility of falsifying a bank guarantee and reduce the process of issuing it from several days to several hours.
An example of the successful interaction between the FinTech association and the financial market is the creation of a single data exchange standard as part of a pilot project for the implementation of the open API VSK with GLONASS to resolve insurance claims for car insurance. Obtaining information about an accident made it possible to significantly simplify the process of registration of an insurance event - insurers do not have access to traffic surveillance cameras, as well as increase the effectiveness of the VSK fight against fraudsters.
A key area of work of the industry community in the FinTech segment is also the digitalization of health insurance. It is necessary to increase the availability of medical care, improve the quality of service for patients, and develop preventive medicine. The main problems of insurers are the lack of online interaction with medical organizations, as well as access to medical data of patients when drawing up an agreement and settling an insured event. All this leads to an increase in tariffs, an increase in the term for concluding an agreement and making an insurance payment, additional costs for patients to conduct examinations to provide documents to the insurance company.
"In 2022, on the basis of the AFL, we did a great job - at the beginning of the year a new track was initiated to digitalize health insurance. The initiative included four main areas - the introduction of a single format of digital documents, a single nomenclature in the segments of compulsory medical insurance, voluntary medical insurance and paid medical services, obtaining access to the patient's medical data, the ability to record with a doctor on voluntary medical insurance through the Public services portal. Already in June 2022, the initiative was included in the passport of the Federal Project "Regulatory Regulation of the Digital Environment," and projects prepared in cooperation with the AFL, Skolkovo and VSK were sent to the Russian Ministry of Health. The project of digitalization of medical insurance can be called an example of effective interaction of all market participants on the basis of industry associations, "Olga Sorokina emphasized.
2021: Launch of electronic cargo insurance together with Smart Logistics
On March 15, 2021, the VSK Insurance House announced that, together with the Smart Logistics IT company, they developed and implemented an electronic cargo insurance system. Read more here.
2020
Integration with the "Digital Profile of a Citizen of the Russian Federation"
On December 16, 2020, VSK Insurance House announced that, with the support of the FinTech Association, it had carried out integration the service "" as part of Digital profile a large-scale experimental project aimed at improving the quality and connectivity data contained state in information resources.
The Digital Profile service was developed by the Ministry of Digital Development, Communications and Mass Media and the Bank of Russia. Project participants are executive authorities of the Russian Federation, ministries and departments, the Pension Fund, as well as financial and other commercial organizations. A working group on the development of service and connection of commercial organizations is being conducted at the FinTech Association site.
| | The scale and complexity of the project is impressive. But thanks to the high level of expertise of colleagues from the FinTech Association, Rostelecom and the Bank of Russia, we managed to go from jointly creating a concept to entering a productive environment, despite all the difficulties of working in a forced remote format for the past 9 months. We have plans to scale the service to other insurance products and various internal processes in the company, where we could use legally confirmed data from FOIVs without requesting any supporting documents, - said Marina Lyashenko, head of the business technology center of the VSK Insurance House. | |
{{quote 'The Digital Profile service will allow the client to arrange the desired product in a few clicks. To purchase OSAGO in the VSK online store, the client passes authorization through the Public services, gives his consent to the provision of data that is automatically filled out in the form of a policy. Today, the Digital Profile contains the data that the client entered independently on the Public services website, as well as information received as a result of requests from departments. In 2021, it is expected to receive data from the Ministry of Internal Affairs, which will make the service for buying an insurance policy even easier. Integration with the State Public services database within the framework of the Digital Profile is the ability to enrich and work with client data, a personalized approach to each client and the absence of paper document management, - commented Olga Sorokina, Deputy General Director of the Insurance House of VSK. }}
TAdviser interview with Vice President Oleg Lisnik on the development of the company's ecosystem
Oleg Lisnik, Vice President, Head of the Ecosystem Development Department of the VSK Insurance House in December 2020, in an interview with TAdviser, spoke about how digital transformations create new opportunities in business. Read more here.
Start of OSAGO sales on the Sberbank marketplace
Strakhova VSK House on August 31, 2020 announced the start of sales MTPL on the marketplace. Sberbank More. here
2019: Collaboration with BestDoctor
On April 23, 2019, the company BestDoctor announced that it had signed a partnership agreement with Insurance House VSK. As part of the cooperation, the parties plan to expand the voluntary product line medical insurance and strengthen their positions in this market. More. here
2011: Launch of policy sales through insurance terminals
VSK is developing modern sales channels and is the first among insurance companies in Russia to begin selling policies through specialized insurance terminals.
2009: Creation of an automated case processing system
The FRS is completing a project to create an automated case processing system. The system is designed for informational support of the procedure for the initial settlement of insured events.
According to the results of the project "Leaders of Bank Insurance - 2008," conducted by the magazine "Bank Review," VSK Insurance House confirmed its title as the leader of domestic bank insurance, becoming a laureate in the most prestigious nomination "Comprehensive Bank Risk Insurance."
Insurance House VSK topped the list of TOP-10 insurers "most successful in coping with the challenges of the crisis," published by the National Banking Journal in March 2009.
VSK Insurance House received a license for the right to carry out civil liability insurance activities for the owner of railway vehicles. According to FSSN Order No. 68 of 12.02.2009, the license is valid throughout the Russian Federation.
IT projects in Insurance House VSK
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