Abstract

 This project sought to investigate the practices in health/medical insurance underwriting and supervision in Britax insurance, Kisumu and to establish how information technology can be used to enhance the supervisory role of health/medical insurance underwriting. Britax insurance is a small company that was incepted in 2007 and has a staff of 23 personnel. The Company faces major problems in data collection of client’s details, loss of records, delayed premium calculations and delayed preparation of policies. The project intends to improve service delivery at the company and ensure that volatility is reduced on the claims. Main objectives of the study were to design, develop and test a working prototype of the health / medical insurance underwriting system. Objectives were achieved by obtaining data from Britax Company which were conducted through observation and interview of staff members. The project would guarantee accurate reports, calculates premiums, faster data collection and preparation of policies and store clients information accurately. The project made an extensive review of literature in the domain of insurance underwriting regulation and data gathered at the Britax company so as to establish trends and determine the need for an information technology based health / medical underwriting system. The structured approach of waterfall methodology was used in the study in which progress flows steadily downward through phases. The project findings revealed that an integrated information sharing platform could provide great improvements to the manual and paper based processes used in health insurance underwriting and regulation.

Authors and Affiliations