hCentive WebInsure Consumer Sales Portal Product for Individual and Family Health Insurance

Overview
hCentive's WebInsure Consumer is the perfect solution for insurers looking for a proactive approach towards web based insurance solutions. WebInsure Consumer simplies the implementation of the complex health reforms and oers a cost-eective and highly tailored solution for insurers looking to leverage retail-focussed opportunities arising in the industry.

Features
FUNCTIONAL MODULES
The system is divided into 3 portals directed at three dierent class of users:

• Consumer Portal (C) – directed at end consumer buyers
• Broker Portal (B)– directed at brokers selling to end buyers
• Administration Portal (A)– directed at internal carrier team

Each portal then provides specic functionality as described below. The functionality described is available today except when specically mentioned:

	Feature		Details
	Quoting and Rating	Landing Pages. Intake consumer information and use it to provide a quote for all products the customer is eligible for Quote View. Dynamically modify viewed products in a tabular format with options to sort and lter the product list on a variety of customizable criteria including price, deductible, co-pay, co-insurance or any other product benet or meta-data\ Discounts. Provide discounts based on family size or other attributes of the census information. Save Quote. Consumer can save the quotes and revisit them later. Product Search. Ability for customer to find products based on selected parameters (benefit / coverage options, limits etc)
	Cross-sell / Up-sell	Ability to recommend one or more products based on incoming campaign or inferred demographic
	Product Details	Product Page. Dynamically generated pages to show high-level and detailed information about each product sold Product Benefits. Dynamically display list of benefits available with the product Product Comparison. Support product comparison functionality that allows consumers to compare multiple products across multiple product attributes. PDF Download. Ability to download the documents attached to the product in PDF format
	Online Application Presentation	eApp Creation. Present an electronic version of the Premera application form as published for that market. Intuitive online application with dynamic medical questions with drill-down questions. Support for state-specific applications Pre-fill certain information if known about the applicant (mostly valid for renewals) Validate that the information submitted is complete Validate information for format errors (e.g. phone numbers, SSN etc) Mask sensitive information

	Feature		Details
	Online Application Save	eApp Save. Ability to gather and store all the data elements in the application eApp Restore. Save an unfinished eApp in a secure environment and ability to continue it later (possible after a few days) eApp Download. Ability to download a finished or unfinished application in a PDF format with all the filled information preserved.
	Online Application Submission	Assign a unique identifier to each application for tracking Submit application to the backend underwriting system Attach a time of submission with each application
	Payment Processing	Ability to process payment from ACH, Credit Card and Paypal. Separate payment options for initial and ongoing payments Ability to change payment preferences
	Electronic Signatures	Meet the requirements of electronic signature laws for signature creation, storage and retrival
	Application Status	Track the current status of application by end-consumer, broker and CSR. Ability to generate standard and customized messages (accepted, declined, need more info etc) Real-time status
	Notifications	Notify application status and changes to consumers and brokers including acceptance and rejection Support periodic reminders to consumers on brokers for renewals, application drop-off etc Notify broker on specific events like opening of broker proposal, start of eapp etc Customize and configure the list of notification for each broker Support multiple channels including text messages and email.
	Broker Quoting	See complex quotes quickly Filter and sort through the quotes Create a proposal from the quotes displayed and send it to a consumer Rate-up or Rate-down a quote

	Feature		Details
	Broker CRM	Add and manage list of clients of the broker Attach a client to a lead source Store client information for reuse Send emails to the client Send proposals to the client Track client status Collaborate with clients to help them submit the application
	Broker Proposal Management	Ability for brokers to send out a proposal to their customers Ability to track the status of the proposal Auto-attach specic documents to the proposal Get notications on when proposals are opened, viewed and applications started View applications submitted against the proposal
	Account Management	Login and Logout Prole Management Change Password
	Policy Renewals	Renew a policy on a yearly basis Send notication for renewals
	Policy Updates	Ability for the end consumer to update policy due to changes in life status Adding another member to the policy Removing a member from the policy Change Address Change benets
	Policy Documents	Download policy documents from the portal including card
	Bill Presentation	Integration with Billing system to showcase the latest bill to the end user Collect premiums on the amount shown in the bill Ability to reach out to support or report any errors in the bill Change payment preference including mode of payment, frequency and address.

	Feature		Details
	Customer Support	Live Chat. Ability for customers to talk to chat representative Click-to-call. Ability for the customers to call a customer representative from the browser Call-back. Ability for the customers to ask for call back on a provided number. Tracking. CSRs can view the page URL the customers are on.
	Plan and Benet Updates	Ability for business users to update benet information of plan Ability to update rating information and other plan documents Preview changes made Assign an "eective date" for each update
	User Management	Add and manage administrative users and assign roles and permissions to them Add and manage brokers and assign geography and hierarchy to them Add and manage CSR representatives.
	CSR UI	CSR can go and enter a new application (useful for processing application on phone) Shift management for CSR
	Web Analytics	Send information to web marketing and generic marketing tools Link web activity with specic campaigns
	Campaign Management Support	Create trackable links for specic campaigns. Post links to social media websits Create banners and links for google ads and other such initiatives
	Reporting	Reports on system usage including users, application, submissions, rejections and status updates Reports on broker logins and activity Reports on changes done by administrative users Alerts on spikes or decrease in volumes

BROWSER COMPATIBILITY
Following browsers and operating system congurations are supported by the product:

		Internet Explorer (version 7.0 +)	Firefox (version 3.5 +)	Chrome (version 10+)	Apple Safari (version 4.0+)
	Windows XP	Supported	Supported	Supported	Supported
	Windows Vista	Supported	Supported	Supported	Supported
	Windows 7	Supported	Supported	Supported	Supported
	Mac OSX 10.5 ("Leopard")		Supported	Supported	Supported
	Mac OSX 10.6 ("Snow Leopard")		Supported	Supported	Supported
	Mac OSX 10.7 ("Lion")		Supported	Supported	Supported

INTEGRATION ENDPOINTS
hCentive will provide integration with following systems of Premera:

• Underwriting System: Application Submission and Status Updates
• Broker Management System: Broker Management
• Archiving: Long term storage of submitted apps and other data
• Billing: Bill Presentation and Update of payments

Technology

ARCHITECTURE


Our solution is based on best design principles, keeping in mind the scalability, extensibility and interoperability of the application. Following are some of the key design principles used in our product:

• Service Oriented
• Event Driven
• Loosely Coupled
• Able to support assembly and integration
• Able to leverage existing applications and infrastructure

TECHNOLOGY STACK

	Component	Software Used
	Operating System	Linux (Ubuntu, Amazon Linux)
	JDK	Sun JDK 1.6
	Application Server	Tomcat 6.0.29
	Database	MySql 5.1.41
	DI/AOP	Spring Framework
	ORM	Hibernate
	Caching	EhCache
	Rules Engine	Drools
	Web Framework	Struts2, SpringMVC
	Messaging Services
	Security	Spring Security
	Scheduler	Quartz
	SCM	Subversion
	Build	Maven
	Development IDE	Eclipse
	Reporting	Crystal Reports or COGNOS

HOSTING
The system will be hosted on Amazon Web Service (AWS) infrastructure. The system will be completely isolated from any other system managed by hCentive, Inc. and will not share any resources (except the outer rewall and load balancer) residing in its own Virtual Private Cloud (VPC) with its own access policies.

These resources will include application servers, database servers, load balancers, monitoring servers, queuing services, mailing services and storage volumes. Database servers will be replicated across multiple availability zones. Disk volumes of these database servers are encrypted to secure data in storage. To secure data over-the-wire, SSL Tunnels are established between application & database servers. Our uptime commitment is 99.9%, with minimal scheduled maintenance. Our hosting includes management of all upgrades, hardware, and third-party software on your behalf, as well as 24/7 monitoring of the application.