Pindah
Module Components
Our insurance suite integrates critical operational layers into a unified core, ensuring that underwriters, claims handlers, and compliance officers work from a single immutable system of record.
Dashboard
High-fidelity executive monitoring of gross written premiums (GWP), claims ratios, underwriting results, and broker production targets in real-time.
Policy Administration
Full lifecycle management from inception to renewal. Automated schedule generation, endorsement processing, and digitized document archival.
Underwriting & Rating
Sophisticated risk assessment and configurable rating engines. Maintain pricing discipline through automated acceptance criteria and referral hierarchies.
Claims Management
End-to-end processing from First Notification of Loss (FNOL) to settlement. Manage reserves, assessor assignments, and salvage recoveries.
Reinsurance Management
Automated cession calculation for treaty and facultative arrangements. Manage bordereaux generation, claims recoveries, and technical account reconciliations.
Premium Collections
Multi-tender receipting (USD/ZiG), instalment plan management, and automated follow-ups. Native integration with mobile money and bank platforms.
Intermediary Management
Centralized management of brokers and agents. Track IPEC licenses, configure commission schedules, and generate authoritative intermediary statements.
Regulatory & Compliance
Automated generation of IPEC quarterly returns, solvency margin calculations, and ZIMRA withholding tax reporting. Maintain an absolute audit trail.
Digital Policy Lifecycle & Self-Service
Modernize your distribution through a core system that supports the rapid creation and management of complex insurance products. Our Policy Administration module automates the generation of branded policy schedules and handles mid-term adjustments (endorsements) with mechanical precision, ensuring that the contractual record is always up to date.
integrated client portals empower policyholders to view their schedules, download tax certificates, and initiate claims notifications directly from their mobile devices, significantly reducing the administrative burden on your back-office teams.
Sophisticated Risk & Underwriting Control
Maintain underwriting profit through rigorous risk assessment and pricing discipline. The underwriting engine allows for the definition of complex rating rules per product class, ensuring that premiums are always aligned with the assessed risk levels. Automated referral workflows ensure that high-value or non-standard risks are escalated to senior underwriters, maintaining organizational governance without slowing down standard production.
NCD (No-Claims Discount) calculations and sum-insured adequacy checks are performed automatically during the quotation phase, protecting the insurer from under-insurance and maintaining the competitive accuracy of every quote.
Frictionless Claims & Settlement
The moment of truth in insurance is the claim. Our Claims Management module handles the entire lifecycle from First Notification of Loss (FNOL) to final payment. Automated reserve tracking and assessor assignment ensure that every claim is processed efficiently, while detailed logs capture every communication and assessment document, providing the transparency needed for audit and dispute resolution.
Settlement authorizations are tied to organizational authority limits, ensuring that large payouts are reviewed by the appropriate level of management, protecting organizational insurance funds while maintaining speed of service to the insured.
Automated Reinsurance Cession
Protect your capital by automating the complex math of reinsurance. The system automatically calculates treaty cessions on every policy inception, ensuring that your risk exposure remains within authorized appetites. Facultative placements are managed through a structured workflow, and technical accounts are reconciled back to actual claims recoveries, ensuring that your reinsurance receivables are always accurate and current.
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