Building and modernizing software for the insurance industry
Helmes develops and modernizes software for insurance companies, insurtechs, brokers and insurance technology providers. Our experience covers policy and claims management, process automation, system integrations and digital self-service – helping clients streamline operations, improve existing systems and enhance customer experience.
Experience across insurance domains
With over 15 years of software development experience across 5+ insurance and social insurance domains, Helmes has worked with complex business processes, regulatory requirements and operational systems. Our projects span life and credit life, health, disability, income protection and motor insurance across Europe and the US.
Our experience also extends to nationwide social insurance and benefits administration systems in Estonia, including disability assessments, eligibility checks and benefit processing. These projects demonstrate our ability to develop and modernize complex, highly integrated systems that support essential services at a national scale.
of reported generative AI use cases among European insurers focus on internal operations
AI is reshaping insurance operations
Helmes helps companies apply AI to complex business processes, combining AI development, data engineering and process automation. Our experience includes developing a custom auditing platform with AI-assisted functionality that helps auditors review supporting documents and draft findings, while keeping final decisions in human hands.
Our work in the insurance sector
Insurance automation for Axell Claims
Helmes developed a digital insurance platform, streamlining bodily injury and material damage claims. The solution connects insurers, customers and other parties, automating workflows, improving access to information and reducing claims handling costs.
- 20% lower claims costs
- 24/7 access to claims information
Personalized pension calculator for Estonia
Helmes developed a digital pension calculator that combines existing pension data into a personalized view, helping people understand their current pension position and explore how future decisions may affect it.
- 10,000+ users per day handled during peak usage without performance issues
- 500,000+ potential users among working-age citizens
Developing digital unemployment insurance services
Helmes helped the Estonian Unemployment Insurance Fund develop digital services for unemployment registration, benefit applications and compensation decisions, integrating its self-service portal with national registers.
- 1 minute to register as unemployed online
- 50%+ of customers use the digital self-service portal
Building nationwide disability e-services
For the Estonian Social Insurance Board, Helmes built nationwide digital services for disability assessments and benefit applications, making services more accessible and reducing administrative work for officials and medical experts.
- 75,000+ children and retirees gained access to online applications
- 120,000+ potential beneficiaries
Developing a machine learning-based job matching platform
Helmes developed a platform for the Estonian Unemployment Insurance Fund that analyses CVs, ranks candidates and matches jobseekers with suitable vacancies using machine learning.
- Real-time matching and recommendations based on skills and experience
- 4 national registers integrated to simplify CV creation
Digital operations for Bonnfinanz
Helmes developed an integration platform connecting more than 20 systems, automating data exchange and giving financial advisors access to up-to-date customer and contract information.
- 250,000 documents processed annually with less manual work
- 20+ systems integrated
of EU consumers purchased insurance online, either exclusively or alongside other channels, in the previous two years
Digital insurance across channels
As digital insurance channels expand, the processes behind them need to become more efficient. For a European insurance provider, Helmes developed an end-to-end insurance platform where 75% of applications are processed automatically, reducing manual work and improving operational efficiency.
Software solutions for insurance companies
Insurance platforms and policy administration
Digital claims management and damage assessment
Customer, agent and partner self-service
Insurance process automation
Insurance integrations and data exchange
Insurance applications and medical assessments
Legacy insurance software modernization
Insurance software quality and reliability
Don’t see your solution here?
We’ve developed many more custom solutions for insurance companies, brokers and insurance technology providers. We’re happy to discuss how our experience could support your business, systems and services.
Why insurance companies choose Helmes
Helmes combines insurance industry experience with expertise in complex software development and a practical understanding of business processes. We help clients build, modernise and maintain business-critical systems, taking long-term responsibility for the solutions we deliver.
Experience with complex business processes
Our work covers claims, underwriting, policy administration, benefit calculations and automated decision-making, combining technical expertise with an understanding of insurance operations.
Security, compliance and industry standards
Helmes combines experience in regulated industries with expertise in GDPR, ISO/IEC 27001 and DORA, supporting data protection, information security and digital resilience. Our expertise also covers WCAG, EN 301 549 and EAA for accessibility, eIDAS for digital trust and X-Road for secure data exchange.
Stable, experienced delivery teams
Our teams have typically worked together for more than five years, retaining business knowledge, solving problems faster and reducing delivery costs.
Complex integrations and data management
Experience connecting business-critical platforms, legacy systems, financial services and national registers, including processing large volumes of sensitive data.
End-to-end software development and support
From business analysis and architecture to development, testing and long-term support, we take responsibility for the systems we build and modernize.
Practical AI assessment and implementation
Our AI Value Scan service assesses AI readiness, identifies and prioritizes high-value use cases, and creates actionable roadmaps. We can also support implementation, from initial assessment to software delivery.
Our experts in insurance software
Whether you’re modernizing claims systems, improving customer self-service, automating insurance workflows or exploring AI-enabled solutions, our specialists can help you assess your options and define the next steps. Start with a free consultation.
You will be in good hands
Our customers consistently rate us as the best external software development partner. We achieve this through long-term collaboration, stable delivery teams, and deep domain knowledge.
Trusted by leading organisations across enterprise, government, and regulated industries, we support clients through development centres in Estonia, Latvia, Lithuania, and Poland, with additional offices in Switzerland, Germany, India, Nigeria, the USA, and Uruguay.
Frequently asked questions
How do you modernize legacy claims and policy systems without disrupting operations?
We support phased modernisation, integration with existing systems and gradual migration of business-critical workflows. Our legacy software modernisation expertise includes upgrading systems while maintaining operational continuity, including work for a European insurance company.
How do you address security and regulatory requirements in insurance software?
We integrate security into software development from analysis and architecture to testing and long-term support. Our secure software development practices are supported by ISO/IEC 27001 certification and experience in regulated industries. We consider applicable requirements, including GDPR and the EU’s Digital Operational Resilience Act (DORA), according to each project’s scope.
How can Helmes help identify practical AI opportunities?
Our AI Value Scan assesses AI readiness, identifies and prioritises use cases, and develops a practical implementation roadmap. We also provide AI development, data engineering and process automation expertise to support implementation.
How do you collaborate with insurance companies?
We offer dedicated and hybrid development teams working alongside client specialists. Our stable teams support projects from business analysis and architecture to development, testing and long-term maintenance, retaining business knowledge throughout the cooperation.
How does cooperation typically start?
We start with a free consultation to understand your business needs, existing systems and challenges. Together, we discuss the options and agree on the best approach for your project.
Can you develop digital insurance platforms and self-service solutions?
Yes. We can design insurance platforms for permission-based data sharing and API-driven ecosystems in line with the EU’s proposed Financial Data Access framework. Our experience in system integration and secure data exchange supports the development of connected insurance services.
Can you integrate insurance platforms with external partners and legacy systems?
Yes. We develop APIs and integration platforms connecting business-critical systems, financial services, external partners and legacy applications. Our experience includes complex integrations and secure data exchange.
Can you modernize insurance data management and reporting systems?
We develop and modernize data platforms, integrations and reporting solutions, drawing on experience in financial services and regulated industries. The applicable insurance reporting requirements are assessed for each project.