Rwandans create Electronic Claims Management System, allow flawless claims processes

By IGIHE
On 19 March 2020 at 10:45

A team of four students at Kigali Integrated College (KIC) has created an Electronic Claims Management System (ECMS) that will allow insurance companies to avoid loss in motor vehicle insurance claims.

The ECMS is an on-premise and cloud-based solution and was designed to help manage all processes related to benefits administration and claims management after the Central Bank of Rwanda (BNR) explained the types of loss insurance companies incurred overtime.

In 2018, statistics from BNR showed that insurance companies in Rwanda lose more than Rwf 6 billion in claims every year.

Private insurance institutions made a Rwf 8.3 billion loss in 2013, Rwf 12.2 billion in 2014, Rwf 12.5 billion in 2015, Rwf 13.4 billion in 2016 and Rwf 6.9 billion in 2017.

Normally, insurance claims cover damages sustained after a car accident or for representation or intervention on the insured’s behalf when they are liable for damages.

During the claiming process, some individuals can trick insurance companies into paying more damage costs than the ones which were incurred in reality and hence lead to irrecoverable loss.

An ECMS or claims processing software automates insurance claims management, electronic submission, and collections and allows transparency in insurance processes.

Following various reports of losses made by insurance companies, the four students at KIC created an ECMS to support flawless claims processes. The four innovators are Mugiraneza Amani, Uwineza Denyse, Uwase Honorine and Irakoze Blaise who received support from their lecturer Iyaturemye Jean Claude.

How the ECMS operates

The ECMS uses e-baza technology in assisting garages and insurers to recover losses incurred in car maintenance and help customers to submit their claims effortlessly.

Uwase Honorine said, "Our ECMS will allow insurers to manage the claims process with automated workflows and in all transparency."

Through Www.umuhuza.rw portal, insurers and vehicle owners will create accounts and type in all claims details. A police report of accidents will also be available on the portal and will facilitate insurers to allocate the appropriate funds to the insured.

Insurers will then post pictures of the damaged vehicles and garages which will have created accounts in the ECMS will compete for repairing them.

Garages will be selected following the time limit they will use repairing vehicles as well as their prices. Once the vehicle will be repaired, the owner and insurer will visit the garage, check on all the repairs and pay the garage.

Irakoze Blaise told IGIHE that the technology will allow garages to acquire customers effortlessly through the portal.

A team of students at KIC created an Electronic Claims Management System (ECMS) that will allow insurance companies to avoid loss in motor vehicle insurance claims.
The ECMS uses e-baza technology in assisting garages and insurers to recover losses incurred in car maintenance and help customers to submit their claims effortlessly.

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