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Data science and technology for the optimization of the health insurance portfolio


Companies of the Odebrecht Group.

O desafio:

Health insurance pricing is a complex challenge that involves a number of risks for companies. What can we do to improve the relationship between risk and return? This was the central theme of the solution developed by Horiens considering policies with 80 thousand policyholders and a scenario in which Health Insurance represents around 20% of the companies' payroll.

Como solucionamos?

Using statistical models and technology applied to data from the health portfolio, we build models of frequency of insurance use as well as severity linked to use. Predictive analytics. It allowed the implementation of improvements and providing more information to the negotiation and generating value for the client.
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