Joy Agwunobi
For decades, the health insurance industry has been characterised by slow, manual processes, often dependent on fax machines, call centres, and outdated systems patched together with human intervention. That reality, however, is beginning to change.
A new analysis by Fintech Global has spotlighted ten pioneering technology solutions that are accelerating health insurance into the digital era. Against a backdrop of soaring healthcare costs, shifting demographics, and growing consumer demand for digital-first experiences, these innovators are reshaping how insurers operate, engage with customers, and deliver care.
Global market figures highlight the urgency of this shift. Health insurance premiums are projected to hit $2.5 trillion in 2025, with the United States accounting for the bulk of the market, according to Statista. At the same time, industry adoption of digital solutions is gathering pace: 83 percent of insurers have embraced digital claims processing, while 65 percent are investing in artificial intelligence to strengthen underwriting, enhance customer service, and combat fraud, data from Gitnux shows.
Fintech Global, in its report, notes that while modernisation remains challenging—particularly for firms burdened by outdated infrastructure and siloed data systems—a new wave of innovators is offering solutions that could make the industry faster, smarter, and far more patient-focused.
The analysis highlights ten standout technology providers that are setting the pace for transformation.
One of the leading firms, Comarch, is dedicated to modernising core insurance systems through integrated enterprise software. It serves mid-to-large life and health insurers that are seeking to overhaul their policy administration, billing, claims, and CRM operations. By providing enterprise-grade digital platforms, Comarch enables carriers to digitise their core functions, reduce IT complexity, and deliver smoother customer experiences across regulated and multinational markets.
Another company, Cortical.io, focuses on addressing one of the most pressing challenges for insurers—managing complex, document-heavy workflows. Operating across the United States, Austria, Germany, and Switzerland, Cortical.io works with major insurers and reinsurers such as Swiss Re and UNUM. Its SemanticPro natural language processing engine can automatically review, classify, and extract information from legal and medical documents with up to 94 percent accuracy. This capability not only reduces underwriting turnaround times but also improves compliance in highly regulated environments.
dacadoo has carved out its niche by combining data-driven engagement with lifestyle-based risk scoring. Working with insurers, reinsurers, employers, and health providers around the world, dacadoo leverages over 300 million person-years of clinical data to generate a dynamic “Health Score.” Through gamified wellness activities and real-time tracking, the platform enables insurers to integrate preventive health into their underwriting processes, while helping policyholders adopt healthier lifestyles.
In Europe and North America, Decerto is improving productivity on the front lines of insurance by building agent portals and rules-based underwriting engines. Strongly positioned in Poland, where it has developed deep local partnerships, the company equips carriers with tools that enhance agent efficiency, streamline product logic, and enable faster onboarding and quoting for life, health, and other insurance lines.
Meanwhile, Earnix is applying artificial intelligence to the crucial task of pricing. With a global footprint, the company supports multinational insurers seeking to offer real-time, personalised products. Its platform allows carriers to deploy explainable AI-driven pricing engines, automate underwriting decisions, and ensure compliance, all while improving speed and accuracy.
Simplifying the customer experience is the driving force behind Hi.health, which operates primarily in Europe but is expanding globally. The company offers a digital reimbursement ecosystem that integrates mobile apps, health wallets, and smart payment cards. By automating claims submission and validation, Hi.health makes it easier for policyholders to track reimbursements while reducing administrative burdens for insurers and partner pharmacies.
Majesco, with a presence across North America, Europe, Asia-Pacific, and Latin America, has long been recognised for its enterprise insurance platforms. It provides scalable, cloud-native solutions that modernise policy administration, billing, and claims across multiple lines, including health and life. Beyond core systems, Majesco supports embedded insurance capabilities and digital experience layers, enabling insurers to speed up product launches and compete more effectively in an evolving market.
For insurers focused on customer engagement, Symfa offers CRM and analytics-driven solutions. Serving carriers in North America, Europe, and Australia, Symfa builds digital portals and business intelligence dashboards that help insurers understand policyholder behaviour, optimise underwriting strategies, and improve retention. Its self-service portals also enhance customer journeys by giving policyholders greater control and visibility over their insurance experience.
Tietoevry, with roots in the Nordics but a global reach across more than 20 countries, is another major player in this transformation. The firm provides consulting and customised platforms that support digital transformation for large insurers and financial institutions. Its expertise lies in helping life and health insurers modernise core systems for claims, compliance, onboarding, and policy administration, ensuring they stay aligned with regional regulations.
Finally, Ushur is pioneering automation in customer service through AI chatbots and workflow orchestration. Operating globally, Ushur enables insurers across life, health, property and casualty, and disability lines to manage high-volume customer interactions. Its no-code platform simplifies claims intake, customer support, and policy workflows, allowing carriers to reduce friction and accelerate service delivery.
While these companies are setting benchmarks for the sector, Fintech Global stresses that transformation is not just about technology—it also requires cultural change, adding that health insurers must be willing to dismantle outdated practices and embrace agility if they are to fully benefit from new tools.
According to the report, “In many ways, 2025 represents a tipping point. With advancements in AI underwriting, digital claims processing, and cloud-based infrastructure becoming industry standards, insurers that fail to adapt risk falling behind in both efficiency and customer satisfaction.
“As rising healthcare costs, demographic shifts, and regulatory demands continue to reshape the sector, adopting modern health insurance technologies will be key to long-term success,” the analysis added, while also emphasising that the future of health insurance will be defined not by incremental adjustments but by bold digital reinvention.
