Groupe Mutuel: Gaining Competitive Advantages through Digital Transformation
Groupe Mutuel: Achieving Competitive Advantages through Digital Transformation with NetApp Data Fabric
Groupe Mutuel is reshaping the insurance landscape in Switzerland by transforming the way customers acquire insurance and submit claims. With a firm focus on consumer needs, the company has embarked on a digital transformation journey, enabling them to respond effectively to industry demands and enhance internal data integration. Leveraging NetApp's robust data management infrastructure, Groupe Mutuel efficiently processes an unprecedented volume of data while achieving substantial cost savings.
Groupe Mutuel
With over 2,800 employees across Switzerland, Groupe Mutuel serves 1.36 million individual customers and 28,000 companies. As the only comprehensive insurer in Switzerland, Groupe Mutuel positions itself as the preferred partner in the fields of health and insurance for both individual and corporate clients.
INNOVATION AND CUSTOMER ENGAGEMENT
Instead of relying on paper-based processes and manual document scanning, Groupe Mutuel has embraced digitalization. Customers now have the convenience of scanning and submitting documents through their smartphones. The company has streamlined its operations, making all dashboards, processing, and reporting functions accessible on PCs, tablets, and smartphones. Groupe Mutuel handles an impressive volume of data, processing over 60 million documents, scanning more than 15 million receipts, printing hundreds of millions of pages, and addressing over two million calls annually. Their objective is to reduce this volume by 50-80% in the coming years. By leveraging NetApp's infrastructure, Groupe Mutuel has accelerated innovation, attracted new customers, and fostered stronger relationships with existing ones, solidifying its position as the leading health insurer in Switzerland.
"With SolidFire, we can meet growing data requirements while ensuring internal performance. Our IT team loves the solution because it's so easy to manage." - Pascal Sarech, Head of Infrastructure, Groupe Mutuel.
Project Overview
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Initial Situation
Since 1996, individuals residing in Switzerland have been required to have health insurance, and the basic health insurance has been standardized according to legal requirements. This standardization forced health insurers to find new ways to differentiate themselves in the competitive market. For Groupe Mutuel, this meant accelerating their innovation efforts.
"Among health insurers, there is a race," says Pascal Sarech, Head of Infrastructure at Groupe Mutuel. "We must ensure maximum satisfaction and profile our company through products and offerings to remain a leader. If we don't do that, customers will go to the competition."
With the adaptation to new requirements, the industry has shifted its focus to the consumer. "Previously, we sold our products through representatives. Now, we interact directly with consumers," explains Sarech. "Smartphones and apps have changed customer expectations and the pace of our operations. This has led to a significant increase in the amount of data we work with." As customers use mobile devices to obtain quotes, submit claims, and pay bills, they expect websites and customer portals to be always available. Additionally, they seek innovative solutions to their insurance-related inquiries.
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Objectives
"In 2010, we had 750,000 customers. By the end of 2017, it grew to 1.5 million," says Sarech. "During that time, the volume of data increased by 35% annually. We had to find a way to meet the rising demands." From the billing department to the engineering team, every area demanded immediate data availability to meet customer expectations and adequately support business growth.
Groupe Mutuel tackled these challenges through digital transformation. "We developed a vision of data networking, enabling every part of the organization to optimize processes and create value for customers," says Sarech.
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Solution
Working together, we thoroughly examined each aspect of the business and devised an integrated data approach. As a result, the company's website, core applications, ERP systems, and development processes have all become faster and more efficient due to the seamless movement of data between different departments within the company's private cloud. The implementation of NetApp's Data Fabric architecture has facilitated the interweaving of data across various locations and applications, streamlining data management in both the cloud and local data centers. While data warehouse applications are not currently hosted on NetApp, the company is actively engaged in a significant project aimed at enhancing its data analytics capabilities.
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Umsetzung
Nach der Migration der ERP- und Web-Applikationen und OracleDatenbanken auf die NetApp AFF-Systeme war der Erfolg sofort sichtbar – etwa bei der Verarbeitungszeit für die Belege von 1,5 Millionen Kunden: „Früher benötigten wir 48 Stunden, heute nur noch 6“, sagt Sarech.
Solidfire bschleunigst Innovationen
Die Website von Groupe Mutuel ist ein Hotspot der Interaktion mit Kunden. „Kunden suchen und kaufen Versicherungen und reichen ihre Leistungsansprüche über die Website ein“, erläutert Sarech. „Startet eine Seite zu langsam, können wir einen Kunden verlieren.“ Eine Seite muss daher in unter 3 Sekunden angezeigt werden.
Um neue Funktionalitäten bei Kernapplikationen und Website einzuführen, betreiben die 150 Entwickler der Mutuel einen kontinuierlichen Release-Zyklus. NetApp SolidFire unterstützt die agilen Entwicklungsprozesse im DevOpsModus. „Mit SolidFire können wir wachsende Datenanforderungen erfüllen und zugleich intern die Performance garantieren“, sagt Sarech. „Unser IT-Team liebt die Lösung, weil sie so einfach zu managen ist.“
Die Entwickler können gleichzeitig an mehreren Projekten arbeiten, ohne dass sich die Performance ändert. „Vor SolidFire dauerten unsere Release-Zyklen zwei Monate“, sagt Sarech. „Heute bringen wir für Anwendungen mit DevOps-Modus ständig neue Releases heraus. Es ist sehr einfach, die Daten gezielt durch die Infrastruktur zu bewegen. So werden die Entwicklungsprozesse einfacher und schneller, und wir können uns laufend verbessern.“
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PB Data managed by only 1 full-time employee
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more customers were supported
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faster payments were made to customers
Conclusion
Thanks to digital transformation, Groupe Mutuel can now position its brand more clearly in terms of cost and service. Additionally, the company is exploring how machine learning and AI can improve the efficiency of the call center. Each year, customers have three months to switch their health insurer, which puts significant strain on the call center. With NetApp Data Fabric, various systems can easily access data to allow bots to answer customer queries.
"With bots, we can respond to most inquiries faster and without involving the call center," explains Sarech. "Data enables machine learning and AI, which can reduce the number of calls. Simple information can be obtained through chatbots on our website, and for more specific queries, customers can connect with an advisor."
Through these innovations and new approaches, Groupe Mutuel is reshaping customer expectations in the Swiss insurance industry. "We focus on providing top-notch services to our customers. The key to differentiation and customer satisfaction lies in our data," says Sarech.
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