Health and Benefits

At Horiens, we support companies from various segments in the structuring and management of people insurance programs and business benefits. Our approach to health and benefits is consultative and personalized, combining tailor-made products and services.

With a customer-oriented vision, we cultivate solid, transparent and long-term relationships with the insurance market, focusing on a qualified and effective subscription process, always in search of the best results equation.

Know our differentials

Self-service tools for beneficiaries and managers
Exclusive support options for beneficiaries
Performance indicators for support the decision making
Creation of products with support by our predictive analyses laboratory (Risk Labs)
High success rate in monetization of complexes losses
Policy administration ability with great volumes
Long-term relationship with insured market

Insurance Modalities

Health
Odontology
Life
Travel
Residence
Worker’s Compensation
Short & Long Term Disability (STD & LTD)
PrevSeguro
BUSQ Seguros

Successful cases

PrevSeguro: innovation in the personal insurance market

Client:

Companies sponsoring the Vexty Pension Plan

The challenge:

Propose ways to expand adherence to the Vexty Complementary Pension Plan and, at the same time, offer an increasingly differentiated benefit to employees.

Our solution?

We create a new product on the market, in collaboration with SulAmérica and Vexty. This is PrevSeguro, an innovative and free life insurance benefit for all beneficiaries of the Vexty Plan. The insurance guarantees, in the event of death or disability before the age of 65, the amount necessary to supplement the pension reserve that the member would form upon reaching that age.

BUSQ Seguros: an unprecedented self-service that guarantees the best cost-benefit ratio in personal insurance

Client:

Members of the Novonor Group

The challenge:

The personal insurance offer in the market depends on the broker's agenda, something that often ends up making it difficult to contract. Faced with this scenario, the challenge was to create an innovative product that combines advantages such as autonomy, competitive cost and agility.

Our solution?

We have developed a 100% digital platform for the quotation, contracting and management of policies by the end customers themselves (members of the companies and their families). The platform, launched in 2019, works as a self-service, with simple and intuitive navigation and the security of obtaining the best cost-benefit ratio for those who hire. The project was developed through partnerships with the main players in the insurance market and had the objective of bringing the news of this market, promoting its evolution.

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

Client:

Companies of the Odebrecht Group.

The challenge:

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.

Our solution?

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.

Health and Benefits

Know our differentials

Insurance Modalities

Successful cases

PrevSeguro: innovation in the personal insurance market

Client:

The challenge:

Our solution?

BUSQ Seguros: an unprecedented self-service that guarantees the best cost-benefit ratio in personal insurance

Client:

The challenge:

Our solution?

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

Client:

The challenge:

Our solution?

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