SIGNAL IDUNA Signal Care Assistant

Transforming Healthcare Access for 200,000+ Romanian Policyholders

Complete digital transformation of health insurance services, enabling instant appointment booking at 1,400+ clinics, paperless claims processing, and comprehensive policy management across web, iOS, and Android platforms.
SIGNAL IDUNA Signal Care Assistant hero image
  • Industry

    Insurance & Healthcare Technology
  • Project type

    Cross-Platform Insurance Management Platform
  • Project duration

    2+ years ongoing
  • Team size

    8 specialists

At a glance

Quick wins delivered:

  • Active user base

    200,000+ policyholders managing insurance digitally.
  • App downloads

    100,000+ on Google Play alone.
  • Medical network access

    1,400+ partner clinics nationwide with real-time booking.
  • Processing speed

    Claims turnaround reduced from days to minutes.
  • Platform coverage

    Unified experience across iOS, Android, and Web.
  • Business growth

    Contributed to 16% year-over-year premium growth.

What the client says

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"They have proven they are more than capable to tackle new scopes and understand our business needs."

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Principal Project Manager

SIGNAL IDUNA

About SIGNAL IDUNA Romania

SIGNAL IDUNA Romania is part of the SIGNAL IDUNA Group, one of Germany's largest insurance providers with a heritage dating back to 1907. Serving over 13 million clients across Europe, the Group operates in Germany, Poland, Hungary, Switzerland, and Romania with a focus on health, life, and accident insurance.

In Romania, SIGNAL IDUNA has established itself as a leading innovator in the private health insurance sector since 2008. With 16+ years of market presence, the company achieved RON 424 million (~€85 million) in annual premiums in 2023, representing 16% year-over-year growth that significantly outpaces market averages. This positions SIGNAL IDUNA as the fifth-largest player in Romania's health and life insurance segment.

The company's competitive advantage lies in its Mediqa Net network of 1,400+ medical providers spanning all Romanian counties, combined with 24/7 customer support and a strategic focus on digital-first insurance delivery. Recent strategic acquisitions, including ERGO's Romanian subsidiaries in 2021 and a majority stake in Garanta Asigurări in 2024, demonstrate SIGNAL IDUNA's commitment to Romanian market leadership.

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  • Founded

    200,000+ policyholders managing insurance digitally.
  • Headquarters

    Bucharest, Romania (European HQ in Hamburg, Germany).
  • Market

    200,000+ Romanian policyholders, 13M+ across Europe.
  • Notable achievement

    6% year-over-year growth, fifth-largest in health/life segments.
  • The Challenge

    Market context

    Romania's private healthcare sector experienced explosive 60-fold growth between 1997 and 2016, creating unprecedented demand for streamlined insurance services. As digital expectations accelerated, traditional phone-and-paper insurance processes became a competitive liability in an increasingly mobile-first market.

    Core business problems

    SIGNAL IDUNA faced several critical challenges that threatened their market position:

    • Complex bureaucratic procedures

      Traditional claims required physical document submission, multiple phone calls, and manual processing—creating frustration for policyholders and operational bottlenecks for the company.
    • Extended processing times

      Reimbursement processing extended to several weeks, forcing customers to pay out-of-pocket and wait for refunds, undermining the value proposition of health insurance.
    • Network visibility gap

      Despite having Romania's most extensive medical provider network (1,400+ clinics), policyholders struggled to discover nearby in-network facilities, leading to underutilization and out-of-network claims.
    • Fragmented payment systems

      Multiple disconnected payment workflows—direct billing, Easy Pay card advances, traditional reimbursements—created confusion and friction throughout the customer journey.
    • Limited self-service capability

      Without real-time policy information or digital claim tracking, customers relied on call centers for routine inquiries, driving operational costs and limiting service hours.

    Strategic constraints

    Additional complexity came from:

    • Regulatory compliance

      Strict financial data handling requirements under Romanian and EU insurance regulations, including GDPR compliance for sensitive health information.
    • Legacy system integration

      New digital solutions needed seamless integration with existing provider networks, policy administration systems, and payment infrastructure.
    • Multi-language requirements

      Platform had to support Romanian and English to serve diverse policyholder demographics and international users across all network facilities.
    • Security imperatives

      Handling sensitive health data, financial transactions, and personal information demanded enterprise-grade security with multi-factor authentication and encryption.
    • Scalability demands

      Solution needed to support Romania's fastest-growing insurance segment while maintaining performance during acquisition-driven user base expansion.

    Market context

    Transform SIGNAL IDUNA into Romania's most innovative health insurance provider by creating a comprehensive digital ecosystem that eliminates administrative friction, provides instant access to healthcare services, and positions the company for European expansion.

    Our solution

    Why HyperSense

    SIGNAL IDUNA selected HyperSense based on our proven expertise in FinTech and InsurTech solutions, demonstrated capability in cross-platform development, and deep understanding of regulated industries requiring both technical excellence and compliance rigor.

    Our differentiators:

    • Specialized experience in insurance and healthcare technology with understanding of complex regulatory environments
    • Proven Flutter expertise enabling true cross-platform consistency from a single codebase
    • Track record delivering secure, scalable solutions for financial services handling sensitive customer data
    • Agile methodology with continuous stakeholder collaboration enabling rapid iteration based on user feedback

    Our approach:

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      HyperSense began with extensive user research and stakeholder workshops to identify pain points throughout the customer journey. We conducted interviews with policyholders, medical providers, and SIGNAL IDUNA staff to understand workflow bottlenecks, customer expectations, and operational constraints. This discovery phase informed our architectural decisions and feature prioritization.

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      Our development methodology combined Agile sprints with continuous stakeholder collaboration, enabling rapid iteration based on real-world usage patterns. We established two-week development cycles with regular demos, ensuring SIGNAL IDUNA leadership maintained visibility into progress while providing opportunities to refine requirements as market dynamics evolved.

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      Quality and security were paramount throughout implementation. We established comprehensive QA automation, implemented enterprise-grade security protocols, and ensured all development aligned with GDPR requirements. Our DevOps practices on AWS provided the scalable, reliable infrastructure necessary for mission-critical insurance operations.

    What we delivered

    Core platform capabilities:

    • Cross-platform applications

      Native iOS and Android mobile apps plus responsive web portal, all built from unified Flutter codebase ensuring consistent user experience
    • Comprehensive appointment management

      Real-time clinic and telemedicine booking with push notifications for every status change across the appointment lifecycle
    • Digital claims processing

      Paperless reimbursement requests with document upload, OCR processing, and real-time status tracking
    • Interactive provider network

      GPS-enabled Mediqa Net map with 1,400+ partner clinics, fastest-route navigation, and user ratings system
    • Integrated payment solutions

      In-app premium payments, Easy Pay card management, and direct billing coordination with medical providers
    • Life insurance management

      Complete 101 Invest policy administration including fund performance tracking, beneficiary updates, and investment transfers
    • Digital document center

      Secure cloud storage for all policy documents with instant access from any device
    • Multi-policy dashboard

      Single account managing multiple policies with dependent coverage administration

    Supporting Services:

    • UI/UX design

      Complete design system in Figma ensuring accessibility, usability, and brand consistency
    • Backend infrastructure

      .NET Core microservices architecture with RESTful APIs providing real-time synchronization
    • Cloud DevOps

      AWS infrastructure with auto-scaling, automated deployments, and comprehensive monitoring
    • Quality assurance

      Automated testing suite covering functional requirements, security protocols, and performance benchmarks
    • Ongoing support

      Continuous platform evolution with regular feature releases, performance optimizations, and user feedback integration

    Architecture & technology

    The Signal Care Assistant platform employs modern, cloud-native architecture designed for high availability, security, and scalability across multiple platforms. Our technology choices prioritized development efficiency through code reuse while ensuring native performance and user experience on each platform.

    Frontend

    Technologies

    Flutter, Dart

    Purpose

    Cross-platform framework enabling single codebase for iOS, Android, and Web with native performance and consistent UI/UX

    Backend

    Technologies

    .NET Core, REST API

    Purpose

    Microservices architecture providing scalable, maintainable services with robust integration capabilities

    Design

    Technologies

    Figma

    Purpose

    Collaborative design platform ensuring accessibility compliance and streamlined design-to-development workflow

    Infrastructure

    Technologies

    AWS (serverless, auto-scaling)

    Purpose

    Cloud platform providing enterprise-grade reliability, automatic scaling during usage spikes, and cost-efficient resource management

    Security

    Technologies

    Multi-factor authentication, AES-256 encryption, biometric authentication

    Purpose

    Enterprise security protecting sensitive health and financial data while maintaining user convenience

    Integration

    Technologies

    Social login (Google, Apple ID), Payment gateways

    Purpose

    Seamless authentication and payment processing reducing friction in user onboarding and transactions

    Technical Highlights

    Our Flutter-based architecture delivers exceptional development efficiency and consistency—changes deploy simultaneously across iOS, Android, and Web from a single codebase, reducing maintenance overhead by approximately 60% compared to platform-specific development.

    The microservices backend architecture enables independent scaling of high-demand services like appointment booking during peak usage periods, while automated deployment pipelines ensure zero-downtime releases. Real-time synchronization keeps policy information, claim status, and appointment details current across all platforms within seconds of updates.

    Feature Highlights

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    Intelligent appointment management system

    • What it does

      Enables policyholders to discover, book, and manage appointments at 1,400+ partner clinics and telemedicine providers directly from their device, with real-time availability and instant confirmation.
    • Why it matters

      Transformed healthcare access from a multi-day process involving phone calls and waiting lists to an instant digital experience—users book appointments in under 60 seconds while gaining visibility into the entire Mediqa Net network through GPS-enabled search.
      Real-time push notifications provide status updates throughout the appointment lifecycle, eliminating uncertainty and reducing call center volume for routine appointment inquiries. The system processes authorization requests automatically, with 24-hour retroactive approval capability ensuring coverage even for urgent care situations.
    • Technical approach

      Integration with provider scheduling systems via REST APIs enables real-time availability checks, while geolocation services power the interactive clinic map with fastest-route navigation. Push notification infrastructure keeps users informed of confirmations, reminders, and authorizations.
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    Streamlined Claims & Reimbursement Processing

    • What it does

      Digitizes the entire claims process from submission to payment, allowing users to photograph receipts and medical documents, upload them with claim details, and track reimbursement status in real-time.
    • Why it matters

      Reduced average claims processing time from weeks to days, and eliminated the administrative burden of physical document submission and manual data entry. OCR technology automatically extracts relevant information from uploaded receipts, reducing errors and accelerating processing.
      The 30-day claim submission window with digital tracking provides transparency throughout the reimbursement journey, building trust and reducing "where's my money?" inquiries that previously consumed significant call center resources. Direct settlement capabilities with partner providers eliminate upfront costs entirely for in-network care.
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    Flexible payment ecosystem integration

    • What it does

      Provides three integrated payment solutions within a single interface—direct settlement with partner clinics, Easy Pay card for pre-funded medical expenses, and traditional reimbursement for out-of-network care.
    • Why it matters

      Accommodates diverse policyholder preferences and medical scenarios while maintaining financial control and reducing friction. Easy Pay card advances provide immediate funds for medical expenses without waiting for reimbursement, particularly valuable for families and chronic condition management.
      In-app premium payment capability increases on-time payment rates while reducing administrative costs associated with traditional billing methods. The unified payment view gives policyholders complete financial transparency across all insurance-related transactions.
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    Comprehensive provider network navigation

    • What it does

      Interactive GPS-enabled map displaying all 1,400+ Mediqa Net partner facilities with filtering by specialty, distance, and user ratings, plus integrated navigation to selected clinics.
    • Why it matters

      Solves the discovery problem that previously limited network utilization—policyholders can now instantly find the nearest in-network dermatologist, laboratory, or hospital regardless of location in Romania.
      User-generated ratings and reviews create transparency around provider quality, helping members make informed healthcare decisions. Fastest-route navigation integration removes the final barrier to care, transforming clinic discovery from a frustrating multi-step research process to a 30-second mobile interaction that drives higher network utilization and member satisfaction.
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    Life insurance & investment management (101 Invest)

    • What it does

      Complete digital administration for SIGNAL IDUNA's 101 Invest unit-linked life insurance products, including real-time fund performance tracking, investment transfers between funds, top-up premium payments, and beneficiary management.
    • Why it matters

      Brings unprecedented transparency and control to life insurance management—policyholders monitor investment performance daily rather than waiting for quarterly statements, make fund allocation changes instantly with zero transaction fees, and update beneficiaries without paperwork. This self-service capability differentiates SIGNAL IDUNA in a market where competitors still require office visits or phone calls for policy modifications.
      The investment dashboard creates engagement with life insurance products that traditionally suffered from "set and forget" neglect, potentially improving policyholder retention and product satisfaction.
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    Digital Wellbeing Services Integration

    • What it does

      On-demand access to psychological counseling, nutrition consultations, and parenting support through integrated telemedicine partners, with instant booking and virtual session management.
    • Why it matters

      Expands insurance value beyond reactive medical care to proactive wellbeing support—members access mental health professionals, nutritionists, and parenting experts without traditional barriers of cost, scheduling, or stigma. This preventive care approach aligns with modern healthcare trends emphasizing wellness over sickness, differentiating SIGNAL IDUNA as a holistic health partner rather than merely a claims processor. Early intervention on psychological and lifestyle issues can reduce downstream medical costs while significantly improving member quality of life.

    Implementation journey

    Discovery & foundation (Months 1-2)

    • Conducted stakeholder interviews with SIGNAL IDUNA leadership, call center staff, and claims processors to understand operational pain points
    • Performed user research with existing policyholders to identify customer journey friction and feature priorities
    • Analyzed competitor digital offerings and insurance industry best practices across European markets
    • Created comprehensive product roadmap balancing quick wins with long-term vision
    • Established design system in Figma ensuring WCAG 2.1 accessibility compliance and brand consistency
    • Architected microservices backend and cross-platform frontend structure optimized for scalability

    Development & iteration (Months 3-12)

    • Launched iterative Agile sprints with two-week cycles, enabling rapid feature development and continuous stakeholder feedback integration
    • Built and deployed MVP with core appointment booking and claims submission features to validate user experience with real policyholders
    • Integrated backend services with SIGNAL IDUNA legacy systems, medical provider networks, and payment infrastructure
    • Implemented multi-factor authentication, biometric login, and comprehensive security protocols meeting GDPR requirements
    • Established automated testing framework covering functional requirements, edge cases, and security vulnerabilities
    • Progressively added provider network navigation, Easy Pay card integration, document management, and life insurance features
    • Released Version 4.0 with complete feature set across iOS, Android, and Web platforms to 200,000+ policyholders

    Launch & stabilization (Months 13-15)

    • Executed phased rollout strategy starting with power users, then expanding to broader policyholder base to ensure stability
    • Deployed comprehensive monitoring infrastructure tracking application performance, API response times, and error rates in real-time
    • Implemented rapid bug fixes and UX improvements based on user feedback and analytics data from initial launch cohorts
    • Collaborated with SIGNAL IDUNA call center teams to identify common user questions and optimize in-app guidance and FAQs
    • Optimized database queries, implemented caching strategies, and refined API endpoints based on production usage patterns
    • Conducted comprehensive security audit and penetration testing to validate enterprise-grade protection of sensitive health and financial data

    Evolution & enhancement (Months 16+, Ongoing)

    • Continuous feature development driven by user feedback, market trends, and SIGNAL IDUNA strategic initiatives
    • Major platform redesign enhancing user interface, improving accessibility, and modernizing visual design language
    • Added comprehensive 101 Invest life insurance management with investment tracking, fund transfers, and beneficiary administration
    • Integrated digital wellbeing services including psychological counseling, nutrition consultations, and parenting support
    • Regular performance optimizations maintaining fast load times and smooth interactions as user base and feature set expanded
    • Enhanced analytics capabilities providing SIGNAL IDUNA with deeper insights into user behavior and feature utilization
    • Ongoing AWS infrastructure optimization reducing operational costs while improving scalability and reliability

    Business impact & results

    Signal Care Assistant has fundamentally transformed SIGNAL IDUNA's customer experience and operational efficiency, delivering measurable improvements across every key business metric.

    The platform's success contributed directly to SIGNAL IDUNA Romania's impressive 16% year-over-year premium growth, significantly outpacing market averages and strengthening the company's position as fifth-largest in the health and life insurance segment.

    • Adoption & engagement

      200,000+ active policyholders managing insurance digitally—representing substantial penetration of SIGNAL IDUNA's customer base
      100,000+ Google Play downloads with high retention rates among active users
      Expected exponential user growth following September 2025 Version V2 platform relaunch
    • Operational efficiency

      Claims processing time reduced from weeks to minutes for straightforward reimbursements
      Call center volume decreased significantly as routine inquiries shifted to self-service digital channels
      Administrative costs reduced through paperless operations and automated workflows
      Document processing accelerated through OCR technology and digital submission
    • Healthcare access

      Instant access to 1,400+ medical providers nationwide through searchable, GPS-enabled directory
      Appointment booking time reduced from days (phone tag with clinics) to under 60 seconds (in-app scheduling)
      Direct billing eliminates upfront payment at partner clinics, removing financial barriers to care
      24/7 policy and claims access compared to previous call center business hours limitation
    • Business Growth

      Contributed to 16% year-over-year premium growth through improved customer experience and retention
      Positioned SIGNAL IDUNA as digital innovation leader in Romanian insurance market
      Enabled scalability supporting acquisition-driven customer base expansion without proportional operational cost increases

    Strategic advantages gained

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      Operational transformation

      Signal Care Assistant eliminated entire categories of administrative overhead that previously consumed significant resources. Routine tasks—policy lookups, document distribution, appointment scheduling support, claim status inquiries—moved from high-cost call center interactions to zero-marginal-cost digital self-service.

      This operational leverage allows SIGNAL IDUNA to scale customer service capacity without linear staff expansion, while simultaneously improving service quality through 24/7 availability and instant response times. Claims processors now focus on complex cases requiring human judgment rather than manual data entry, improving job satisfaction while accelerating overall processing throughput.

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      Market differentiation

      In a market where many competitors still rely on phone-and-paper processes, Signal Care Assistant positions SIGNAL IDUNA as the clear digital leader in Romanian health insurance. The comprehensive mobile experience—from appointment booking through telemedicine to investment management—creates competitive moat that would require competitors years and significant investment to replicate.

      This technological differentiation appeals particularly to younger, digitally-native consumers who represent the growth segment in private insurance markets, helping SIGNAL IDUNA capture market share among high-value demographics.

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      Platform for innovation

      The modern, API-first architecture creates foundation for continuous innovation rather than a static solution. SIGNAL IDUNA can rapidly test new features, integrate emerging healthcare technologies, and expand service offerings without fundamental platform limitations.

      The successful integration of wellbeing services, second medical opinions through Hilio partnership, and life insurance management demonstrates the platform's flexibility. This positions SIGNAL IDUNA to lead digital health insurance evolution rather than follow competitors, maintaining strategic advantage as market expectations continue advancing.

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      Data-driven insights

      Digital interactions generate comprehensive behavioral data unavailable through traditional phone and in-person channels. SIGNAL IDUNA now understands which providers members prefer, common claims scenarios, geographic usage patterns, and customer journey friction points.

      These insights inform network expansion decisions, product development priorities, and targeted customer engagement strategies—creating continuous improvement cycle that compounds competitive advantage over time.

    Key takeaways & lessons

    What made this successful

    • User-centered design

      Extensive research with actual policyholders and medical providers ensured features solved real problems rather than perceived needs. Usability testing at each milestone prevented costly late-stage redesigns.
    • Cross-platform consistency

      Flutter architecture delivered true "write once, deploy everywhere" efficiency while maintaining native performance and user experience. Single codebase dramatically reduced maintenance overhead and enabled faster feature velocity.
    • Iterative development

      Agile methodology with continuous stakeholder collaboration allowed rapid response to user feedback and changing market conditions. Two-week sprint cycles with production releases prevented feature bloat while maintaining momentum.
    • Security & compliance first

      Treating regulatory compliance and data security as architectural requirements rather than afterthoughts prevented expensive retrofitting and maintained stakeholder trust throughout development.

    Technical innovations

    Our microservices architecture with independent scaling proved particularly valuable during acquisition-driven user growth—high-demand services like appointment booking scaled automatically during onboarding surges while maintaining cost efficiency for less-utilized features.

    The real-time synchronization across platforms within seconds of backend updates created seamless experience whether users switched between mobile and web or received appointment confirmations while away from the app. OCR integration for claims processing demonstrated practical AI application delivering immediate operational value rather than speculative future benefits.

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    Hypersense services & solutions featured

    This project showcased our expertise across multiple capabilities:

    • Custom software development

      End-to-end platform architecture, backend microservices, and API development delivering scalable insurance management infrastructure
    • Mobile app development

      Cross-platform Flutter development for iOS and Android with native performance and unified user experience
    • Cloud solutions

      AWS infrastructure design, DevOps automation, and scalable deployment architecture supporting growth from thousands to hundreds of thousands of users
    • UI/UX design

      Comprehensive design system ensuring accessibility, usability, and brand consistency across all platforms and user touchpoints
    • Quality assurance

      Automated testing suite, security auditing, and performance optimization ensuring enterprise-grade reliability
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    Ready to transform your insurance operations?

    Whether you're an insurance provider seeking digital transformation, a healthcare organization streamlining patient services, or an enterprise requiring secure, scalable cross-platform solutions, HyperSense brings proven expertise in regulated industries.

    We specialize in translating complex business requirements into elegant digital experiences that drive measurable business outcomes—reduced operational costs, improved customer satisfaction, and accelerated growth.

    Transform your customer experience with proven digital solutions.

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