Client background

MSIG Hong Kong is a subsidiary of Mitsui Sumitomo Insurance Company, Limited within the MS&AD Insurance Group, Asia’s leading general insurance brand with presence in 46 countries and regions globally. The Group is amongst the world’s top 10 non-life insurance groups based on gross revenue*. It is the number one Japanese insurer with A+ Stable credit rating. With over 40,000 employees world-wide, MSIG is represented in all ASEAN markets as well as in Australia, New Zealand, Hong Kong, Mainland China, Korea, India and Taiwan.

MSIG Hong Kong offers a wide range of solutions and services through an extensive distribution network including agents, brokers, and bancassurance alliances with leading banks. It has been providing general insurance solutions to customers in Hong Kong for more than 160 years, dating as far back as 1855.

*2021 Fortune Global 500, Property & Casualty Insurance Category

The challenge

Group medical platforms are non-existent on the market (those platforms that are present only support part of the business journey, not the entire flow); solutions are largely siloed and separated because it is considered too large a scope to support.

Claims adjudication processes lack automation or clarity for efficiency or cost savings because automation and clarity requires a complex end-to-end solution to fully sustain.

Creating, configuring and testing products is a tedious process that is costly and lengthy.

Data between systems are not synced because different providers are used in different parts of the business process.

The solution

CoverGo setup its product – CoverGo for Health, the only all-in-one medical insurance platform with 7 portals for sales, administration teams, brokers, HR, employees, healthcare providers and servicing with these critical features:

  • Visual no-code drag and drop product builder with pricing, underwriting and claims rules

  • Automated / streamlined claims adjudication process within the portals

  • Real time sync of data between all stakeholders within the group medical ecosystem

Business impact

  • Reduction in claims adjudication costs

  • Reduction in product development costs/product configuration costs

  • Reduction in time taken to configure custom products for clients, leading to faster response times and better customer experience

  • Reduction in costs in integrations to sync data between systems in real time

  • Increase in efficiency and productivity from reducing the amount of redundant data entries


Philip Kent, Chief Executive Officer of MSIG Hong Kong: We are excited to partner with CoverGo to build and launch MediGo. This latest step in MSIG’s digital transformation puts our customers foremost and improves the experience of our medical system at every touch-point. Through this collaboration, starting with Group Medical, our health insurance customers will be able to use their online portals to do everything from finding a doctor and submitting claims; through to checking the status of their benefits, all in one place. We are confident that this will transform the customer journey and lead to ever-higher levels of satisfaction.

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