IOGA — Online Insurance Sales & Claims Platform
A Mauritius-based insurance platform where customers can browse, purchase, and manage insurance policies online — with digital policy downloads, online claims filing, and a comprehensive admin panel for complete policy and claims management.
Project Overview
BR Creators built a complete digital insurance platform that transforms the customer experience from start to finish. Customers can explore different insurance categories, compare plans, purchase policies with secure online payment, and instantly download their insurance certificates and policy documents as PDFs. When they need to make a claim, the entire process is handled online — from filing the claim with supporting documents to tracking its status through to resolution.
The admin panel gives IOGA's team full control over insurance products, policy management, customer accounts, claims processing, payments, and reporting — turning what was once a paper-heavy operation into a streamlined digital workflow.
Problem Statement
Understanding the pain points that needed to be solved.
Paper-dependent operations — Policy documents, claims forms, and certificates were all physical. Customers had to visit offices to get copies, causing delays and frustration
No online sales channel — Customers couldn't browse or purchase insurance online. Every sale required agent interaction, limiting reach and operating hours
Slow claims process — Filing a claim meant physical paperwork, office visits, and weeks of follow-up calls. There was no transparency in claim status or timelines
Policy management chaos — Tracking active policies, renewals, expirations, and customer history was done through spreadsheets and filing cabinets
Limited customer access — Customers had no way to view their policies, download documents, or check claim status without calling the office
Payment collection friction — Collecting premiums required bank transfers or in-person payments. There was no integrated online payment system
No digital reporting — Revenue tracking, claims analytics, and policy performance reports were manually compiled, consuming hours of admin time
Competitive pressure — Other insurers were beginning to offer digital services. IOGA risked losing customers to more convenient alternatives
What We Built
A deep dive into the custom solution we delivered.
Insurance Product Catalog
- Browse insurance categories: Life, Health, Motor, Home, Travel, Business
- Detailed plan pages with coverage breakdown, premiums, terms, and exclusions
- Side-by-side plan comparison within each category
- Premium calculator with instant quote generation
- Clear call-to-action for online purchase
Online Policy Purchase
- Secure checkout flow with customer details and payment integration
- Multiple payment methods supported for the Mauritius market
- Instant policy activation upon successful payment
- Automated welcome email with policy details and next steps
- Policy document generated and available for immediate download
Digital Policy Documents
- PDF policy certificates generated automatically after purchase
- Customers can download insurance copies anytime from their account
- Policy documents include full terms, coverage details, and claim instructions
- Renewal documents auto-generated and available before expiry
Online Claims Filing
- Step-by-step claims submission form with guided fields
- Document upload support for photos, receipts, reports, and evidence
- Claim tracking with real-time status updates (Filed → Under Review → Approved/Denied → Settled)
- Communication thread between customer and claims team within each claim
- Claim history with all documents and decisions archived
Customer Portal
- Dashboard showing active policies, upcoming renewals, and claim status
- Policy download center with all documents in one place
- Claims history with full filing and resolution details
- Profile management with personal details and payment methods
- Renewal reminders and notifications
Admin Panel
- Master dashboard with total policies, active claims, revenue, and key metrics
- Insurance product management — create, edit, and price plans
- Policy management — view all issued policies, search by customer, filter by status
- Claims processing — review claims, request documents, approve/deny, and settle
- Customer management — view accounts, purchase history, and communications
- Revenue and commission reports with export to Excel
- Renewal tracking and automated reminder scheduling
Hosting & Support
- Deployed on secure cloud infrastructure with SSL encryption
- Daily backups and disaster recovery
- Ongoing maintenance and feature updates under AMC
Delivered Results
The real-world impact of our solution.
Customers can now browse, compare, and purchase insurance anytime, anywhere — not just during office hours.
Zero wait time for policy documents. Customers download their insurance certificates immediately after purchase.
Online claims filing with document uploads and real-time tracking reduced the average claim resolution time by over half.
Integrated online payment eliminated premium collection friction. Payment success rate exceeds 95%.
Real-time dashboards show policy performance, claims ratios, revenue trends, and customer analytics at a glance.
Customers manage everything themselves — downloads, claims, renewals — reducing support calls by over 50%.
All customer data and policy documents stored securely with encryption, meeting Mauritius data protection standards.
IOGA is now one of the few Mauritius insurers offering a fully digital experience, attracting tech-savvy customers.
Technologies We Used
Every tool was carefully chosen for performance, scalability, and long-term maintainability.
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