Insurtech Outsourcing Philippines
Scale insurance operations with accuracy, speed, and regulatory confidence.
Policy administration, claims processing, underwriting support, fraud detection, and customer service powered by compliance-ready Philippine BPO specialists. Reduce operating costs while improving turnaround time, accuracy, and policyholder experience.
Insurtech Outsourcing Philippines: Growth Without Claims, Compliance, or CX Risk
Insurtech companies are redefining how insurance is sold, serviced, and managed — but they still face the same operational realities as traditional carriers: regulatory pressure, fraud exposure, complex claims workflows, and high customer expectations.
Insurtech outsourcing to the Philippines has become a global best practice because it allows companies to:
- Scale policy and claims operations without internal bottlenecks
- Reduce operating costs by 30–45%
- Maintain regulatory and data-security compliance
- Improve claims accuracy and cycle times
- Support omnichannel customer service 24/7
- Strengthen fraud detection and risk workflows
- Expand into new markets without building local ops teams
PITON-Global connects insurtech companies with security-certified Philippine BPO providers built for regulated insurance environments.
CEO Insight: Why Insurtech Companies Choose the Philippines
Insurtech success depends on trust. Policyholders expect speed and transparency, while regulators demand accuracy and control. The Philippines delivers the operational discipline, insurance literacy, and scalability insurtech companies need to grow without increasing risk.
John Maczynski, CEO, Piton-Global
Why the Philippines Is the Global Hub for Insurtech Outsourcing
1. Insurance-Trained Talent
Filipino professionals are experienced in policy servicing, claims workflows, underwriting support, and customer care.
2. Claims & Policy Administration Expertise
Philippine BPOs support P&C, life, health, and specialty insurance products globally.
3. Fraud & Risk Operations Maturity
Teams routinely support fraud detection, dispute handling, and anomaly review.
4. Compliance-Focused BPO Ecosystem
Vendors operate audit-ready environments aligned with insurance regulations.
5. Cost Savings of 30–45%
While maintaining accuracy and service quality.
6. 24/7 Policyholder Coverage
Essential for digital-first insurance platforms.
7. Scalable Operations
Teams can scale 5–10× faster than in-house hiring.
Insurtech Outsourcing Capabilities (Front & Back Office)
Customer Experience & Policyholder Support
- Policy inquiries and servicing
- Coverage explanations
- Endorsements and updates
- Billing and payment support
- Renewals and cancellations
- Claims status updates
- Multichannel support (chat, email, voice)
Claims Processing & Support
- First Notice of Loss (FNOL) intake
- Claims documentation review
- Data validation and indexing
- Claims follow-up and correspondence
- Settlement support
- Subrogation assistance
Underwriting & Policy Administration Support
- Application review
- Risk data verification
- Policy issuance support
- Underwriting file preparation
- Quote and bind assistance
Fraud Detection & Risk Operations
- Claims anomaly review
Fraud pattern identification - Documentation validation
- Escalation and case preparation
- Dispute and chargeback support
Back-Office & Administrative Operations
- Data entry and policy updates
- Reporting and analytics preparation
- Broker and agent support
- Regulatory documentation support
- Customer record maintenance
AI-Enhanced Insurtech Operations (2026-Ready)
AI for Claims & Fraud
- Fraud pattern recognition
- Predictive claims risk scoring
- Anomaly detection
- Automated documentation review
AI for Customer Experience
- AI-assisted agent responses
- Automated ticket triage
- Sentiment detection
AI for Operational Efficiency
- Claims volume forecasting
- Automated QA scoring
- Workflow optimization
Compliance & Security Standards
Insurtech outsourcing demands strict governance.
Our vetted Philippine BPO partners maintain:
Security & Compliance Control
Purpose / Coverage
- SOC 2 Type II
- Validates ongoing controls for security, availability, and confidentiality
- ISO 27001
- Establishes a formal information security management system (ISMS)
- GDPR Alignment
- Ensures privacy protection, lawful processing, and data minimization
- Role-Based Access Controls (RBAC)
- Restricts system access based on job role and authorization
- Encrypted Systems & Communications
- Protects data at rest and in transit using industry-standard encryption
- Audit-Ready Documentation
- Maintains evidence, logs, and policies for client and regulator audits
Insurance is high-risk — your outsourcing partner must be built for regulated environments.
Insurtech Outsourcing Case Studies
Case Study 1: Digital Auto Insurance Platform
Challenge:
Claims backlog during rapid policy growth
Solution:
60-agent offshore claims support team
Results:
- Claims cycle time reduced by 31%
- Backlog eliminated within 90 days
- Improved policyholder satisfaction
Case Study 2: Embedded Insurance Provider
Challenge:
Manual underwriting slowing partner onboarding
Solution:
Dedicated underwriting support and QA team
Results:
- Quote-to-bind time reduced by 28%
- Improved underwriting accuracy
- Faster partner integrations
Insurtech Segments We Support
- P&C insurance
- Life insurance
- Health insurance
- Embedded insurance
- Usage-based insurance
- Specialty & niche insurers
- MGA & digital broker platforms
Insurtech Outsourcing Rates (Philippines 2026)
Role
Typical Rate (USD/hr)
$10–$14
Claims Processors
$12–$16
Underwriting Support
$12–$16
Fraud Analysts
$12–$16
Back-Office Support
$8–$12
Team Leads / QA
$14–$18
Annual savings for a 25-agent insurtech team: $550K–$850K per year.
Why Insurtech Companies Choose PITON-Global
- 25+ years embedded in the Philippine outsourcing sector
- Deep expertise in insurance operations and compliance
- Fully independent, vendor-agnostic advisory
- Access to top insurtech BPO providers in Manila & Cebu
- Proven track record with global insurtech brands
- Zero cost to clients — sourcing is 100% free
We remove the risk and complexity from selecting a compliant insurtech outsourcing partner.
Launch and Scale Insurtech Operations in the Philippines
Access insurtech-ready BPO providers experienced in system integrations, regulatory demands, and rapid innovation cycles.