Welcome to Online Services 
Offering a complete range of Insurance Products and Services designed especially for College Students.
WHO WE ARE
UnitedHealthcare StudentResources is one of the nation's largest providers of student health plans, with over 40 years of experience. Our mission is to provide the best value in affordable health insurance to students, individuals, small businesses and the self employed.
ONLINE SERVICES CAPABILITIES EXPANDED
UnitedHealthcare StudentResources designed Online Services to provide wide-ranging features and services of value to you, our student customers. You may review brochures, select insurance products, examine related rates, and enroll online electronically with payment made using Master Card, Visa, or an electronic bank draft. The My Account portion of the site gives you direct access to your individual, password protected web account. After login, you may view your current coverage and coverage history, your personal data, current claims status and electronically submitted insurance applications and status. You may update your personal data, change your password, locate a network provider or produce an ID card.
Visit for More details at
https://www.studentinsurance.net/
Business Intelligence Portal
Have you spent millions of dollars and thousands of man-hours in implementing sophisticated ERP and financial systems? Can you tell your CEO right now which customers, products and channels are profitable and contributing to increased shareholder value? With ALG Software's Enterprise Performance Optimization (EPO) Suite YOU CAN. ALG Software’s EPO Suite makes superior profitability and management decisions possible. This easy-to-use, best-of-breed software solution allows managers and executives to use the valuable information they already have to easily perform profitability analytics, enterprise planning, forecasting and driver-based budgeting. Used by some of the largest most progressive insurance companies in the industry, the EPO Suite links operational and financial perspectives to deliver visibility into future performance and the insight to make it better. Learn More By Visiting the ALG Software CPM Insurance Resource Page www.algsoftware.com/insurance.
News briefs and articles on business intelligence are available below.
Business Intelligence News Briefs
David West To Lead TowerGroup Insurance Research Practice
May 22, 2007 - West will bring a background in insurance analytics and P&C underwriting to his new post as insurance practice lead at research firm TowerGroup.
IASA CIO Roundtable Program Announced
May 3, 2007 - As part of its annual conference Executive Education Program, IASA announced its 3rd Annual CIO Roundtable, which includes four sessions: Enabling the Mobile Workforce; Focusing on Customers: Composing and Delivering Data-Driven Documents; Using ASP and BPO to Save Dollars and Make Sense; and the Tao...
SNL Financial Will Publish Statutory Insurance Data
April 19, 2007 - SNL expects to provide statutory insurance data in early 2008 and will include the data in its information service.
Insurers Worried about Crushing Volume of Data
April 9, 2007 - Insurance executives say they're concerned about managing the crushing volume of data their companies maintain, especially in light of strict reporting requirements.
TowerGroup Advises Carriers to Prepare for Regulatory Issues
January 31, 2007 - Carriers need to step up their technology preparedness to get ready for a national catastrophe fund, an extension of the Terrorist Risk Insurance Act, and an optional federal charter--a trio that TowerGroup says is likely to transform the insurance industry.
More Business Intelligence News Briefs
Business Intelligence Articles
When Paper is the Culprit
May 1, 2007 - Are mountains of paperwork preventing your company from providing great customer service? Then get rid of the paper.
Build-Operate-Transfer Plan Brings Outsourced Jobs In
May 1, 2007 - In what could become a trend, a company in India started a call center there and handed over the keys to a U.K.-based insurer.
Outsourcing to the 'Rescue' For Growing Reinsurer
May 1, 2007 - With prodigious growth and operations spread across 30 countries, Swiss Re is using vendors to fill cubicles and wield technology.
Solutions
Islands of Agreement
Standards Keep Pace With Carriers' Needs
May 1, 2007 - From simple messaging to integrating systems to improving point-of-sale process, standards are keeping pace with carriers' dynamic requirements.
SOA Rejuvenates Aging Mainframes
May 1, 2007 - Carriers balance modernization and replacement to breathe new life into venerable policy administration systems.
Keep Networks Secure In the Age of Mobility
April 1, 2007 - When a lost laptop provides access to thousands of identities, IT staffs need to compensate for physical and digital vulnerabilities.
What Agents Really Want In Management Systems
Solutions
News Briefs
Tech Twist for Geico
Content Management: In Content Management Piecemail Fix Can Work
April 1, 2007 - To hold down costs while creating a paperless workplace, carriers need to harmonize legacy content or document systems.
Solutions
Who's Buying What
Information SWAT Team
February 1, 2007 - For the newly named business information group at Hartford Life, turning data into actionable information is more than a rescue and recovery effort: it's a step toward profitable growth.
Insurance Networking News is a trusted resource for editorial and analysis covering topics such as Sarbanes-Oxley compliance, workers' compensation, business intelligence, insurance fraud, disaster planning, and data management.
Survey: 75% of Consumers Like Personalized Service
May 23, 2007 - New York - Three-quarters of consumers are very satisfied with the service provided by their insurance agents and remain committed to working with them in the future, according to a new survey of 1,000 American consumers commissioned by IBM.
U.S. consumers want personalized service and human interaction from their insurance providers, says the survey, which comes at a time when agent-based carriers are facing increased competition by direct channels and direct-only insurance carriers.
The study demonstrates consumers' unwavering loyalty to their insurance agent, regardless of potential savings that online channels alone can provide, and it indicates how insurance carriers are providing their agents with technologies to deliver more personalized customer services.
The study’s released coincided with the ACORD Loma conference in Orlando this week, and Jamie Bisker, Global Insurance Industry Leader for IBM’s thought leadership group, at IBM’s Institute for Business Value told INN, “The industry often confuses optimization with innovation, and we tend to forget to focus on people, culture, politics and resolving those problems,” he said. “The bottom line is that technology can help foster improved relationships, and insurers can help enhance both areas.”
The study indicates that only 15% of respondents said they would consider dropping their agent to save $150 annually by purchasing insurance online, and 54% indicated no amount would make them switch.
Of the respondents, 44% of consumers said their insurance provider is innovative as compared to other industries, and 71% of respondents said they will work directly with their agent for future insurance needs.
Personalized service and human interaction emerged as key factors in driving consumer loyalty with their agents. More than half (53%) of consumers cite personalized service as what they like best about the services offered by their insurance agent, and quality of service topped the list of the key factors in choosing an insurance provider. For example, face-time continues to play an important role in helping agents deliver quality services; 36% surveyed said they like to visit their agent.
"The insurance business is still very much relationship-based, and consumers are willing to pay a premium for agents that instill trust and provide ongoing advice regarding their insurance needs," said Norbert Dick, general manager, Global Insurance Industry, IBM. "But insurers should not ignore the potential in the online channels for maintaining existing customers' loyalty and capturing additional market segments. A combination of back office process improvements and customer experience improvements across channels like the Web, e-mail and cell phones can pay dividends in terms of repeat business and brand loyalty. And for customers who are looking at direct channels, particularly younger, emerging market segments, channel investments stand to gain new business."
The continued gradual shift towards direct and independent agent models, combined with the decline in agent retention and recruitment, means insurers with captive agent forces face increased competition for high performing agents and difficulties expanding into alternative channels without cannibalizing their agent base. Since agents wield a great deal of influence over the customer-carrier relationship and many customers still place high value on that relationship, managing agent productivity and retention becomes critical.
IBM recently polled captive agents from companies that represented over 46% of premiums generated in personal lines insurance segments. The 200-page survey covers 11 areas of agent behavior, needs and attitudes. The study found that carrier reputation and amount of carrier support were the main drivers of agents' satisfaction.
Agents also reported a high degree of satisfaction with their work environment and are optimistic about growing their customer base. For example, over 60% of agents polled have seen an increase in new business in the last 12 months.
Cross selling and customer retention has become critical success factors for captive agents and will be important to growing their premium share. Agents reported that 42% of their new business came from cross selling and 56% surveyed said that their primary focus was on managing existing customers.
In response to consumer demands for personalized service, insurance providers are now equipping agents with tools to improve communications and deepen relationships with their customers. Consequently, 44% of consumers now recognize their insurance provider as innovative in using technology as compared to retail and travel industries.
Agents indicated they are satisfied with the use of technology in their day-to-day activities and point to the centralization of sales-relevant software applications and data and use of customer analytics to better target products and services as key drivers in agent and customer satisfaction.
However, the study revealed there is more work to be done in providing the right mix of product and customer centric tools to provide the right types of products and services to the right customer, through the right channel. Knowing and accurately managing each customer's and agent's lifetime value will become more challenging and critical in today's marketplace, the study says. Innovation in data management, customer experience management and effective distribution channel management will become important enablers for growth, according to the report.
Source: IBM
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OrbitProtect understand students like no one else!
If you’re an international student studying in New Zealand, the Government requires you to have medical and travel insurance while you’re here.
OrbitProtect Student is no ordinary medical and travel insurance. It’s been designed just for you. Whether you live in a flat or a home stay, your possessions are covered. OrbitProtect Student even covers you during your journey from home to New Zealand. And when you graduate, our insurance plans will keep you covered if you decide to stay on under the New Zealand open work permit programme.
We offer the flexibility of two different plans, so you can choose the one that suits you best. Student Prime is our comprehensive plan which automatically covers property, whilst Student Lite plan gives you the flexibility to choose whether or not to insure your property.
Due to popular demand, we have now included an option for you to extend your Prime or Lite policy to cover your legal liability for the damage you cause while you are driving a vehicle for private purposes (not for business). This cover only applies in New Zealand and does not cover any damage to the vehicle you are driving.
All our plans are underwritten by one of New Zealand’s largest insurers, Lumley General Insurance (N.Z.) Limited.
