tech11 Blog

A look behind the scenes of the tech11 Insurance Platform

At a time when insurers are under increasing pressure to modernize their systems, digitize processes and flexibly meet new customer requirements, the question of the right software architecture is becoming increasingly important.

As a leading provider of a modern, cloud-based core insurance platform for the European P&C market, tech11 pursues a consistently scalable, modular and future-proof architectural approach. But what exactly is behind it?

In this article, we provide a detailed insight into the architecture of our platform - its central components, the technological basis and the considerations that led to its design. We show how we use proven industry standards, a high degree of flexibility and a security-by-design approach to help insurers manage complexity, enable innovation and optimize costs.

The importance of scalable architecture in the context of modern insurance solutions

Modern insurance systems have to do more than traditional legacy systems: they need to be flexibly expandable, highly available, performant and cost-efficient. Why scalability is crucial:

• Efficiency & performance: Insurers have to process huge amounts of data, from customer data to policies and claims files. A scalable architecture ensures that even with growing data volumes and peak loads (e.g. after natural disasters), work can be carried out stably and with high performance.
• Cost management: Thanks to modern cloud technologies and flexible operating models, resources can be used dynamically - and overprovisioning avoided. Pay-as-you-go models help to keep costs under control.
• Flexibility & innovation: New functions or services can be introduced quickly and in a targeted manner, without monolithic dependencies. This enables an agile response to market changes.
• Availability & security: Modern architectures offer built-in redundancy, fault tolerance and security mechanisms that ensure reliability and data protection.
• Customer satisfaction: Fast response times, personalized offers and a consistent user experience help to exceed customer expectations.
  
  

But how exactly does tech11 manage to meet these high standards of modernity, efficiency and scalability?

The answer lies in a well thought-out architecture that has been designed from the ground up to be modular, flexible and future-proof - while still meeting the complex regulatory and technical requirements of the insurance world.

A look at the structure of the platform shows how technological excellence can be combined with practical feasibility.

Architecture overview: Modular, secure and designed for growth

The software architecture of the tech11 Insurance Platform (TIP) has been consistently designed to address the complex requirements of modern composite insurers. It combines a modular structure with maximum adaptability and security - three cornerstones that not only guarantee technological excellence, but also ensure sustainable operability.

At the heart of the architecture is a service-oriented design based on microservices. The platform follows a domain-driven design in which technical domains are clearly separated from each other and mapped in so-called "business services". These services are designed to be "stateless" and enable a clean separation between logic, data storage and orchestration.

Central control takes place via dedicated orchestration services - implemented in a powerful Business Process Management System (BPMS). All changes and process calls are made exclusively within the framework of defined business transactions, which not only ensures maximum transparency but also full traceability. This layer is also the place where individual adjustments(customizing) and the connection of peripheral systems are efficiently implemented - on the basis of modern BPMN processes.

The architecture allows the platform to be tailored precisely to the customer's needs: Unnecessary modules can be omitted and additional functionalities can be added at any time. This creates a flexible environment that is suitable for both large and specialized insurers. The minimal setup includes central components such as

• Policy Management
• Product Engine
• Claims Management
• Business Partner Management
• accounting
• and the Control eXtend Customize (CXC) framework for orchestration and customizing.

The platform can be optionally expanded with modules for:

• Document management and generation,
• reinsurance,
• commission settlement,
• and many other industry-specific functions.

In addition, TIP consistently follows the principle of "security by design": all interfaces - including internal ones - are access-protected and secured on a token basis (OIDC). Access to each business entity can be specifically controlled via a finely granulated Access Control List (ACL). This ensures that both user and system access meets the highest security standards.

Technology standards instead of dependencies

tech11 consistently relies on industry standards - particularly in the area of Java with JakartaEE, MicroProfile and Quarkus. The latter enables particularly fast start times, low resource consumption and high efficiency in cloud environments such as Kubernetes. This also covers demanding requirements in terms of performance, cost optimization and scaling.

Communication within the platform and with third-party systems takes place exclusively via REST interfaces. This has a decisive advantage: all of the platform's functions and processes are designed to be "API-first", meaning that they can not only be operated via the user interface, but can also be triggered fully automatically by external systems. This means that "dark processing" is also possible in principle - depending on the process design, processes can run largely automatically in the background, with manual intervention being reduced to a minimum.

Looking ahead

Our software is designed to grow with our customers. TIP is not only a platform for today, but also a solution for tomorrow: thanks to its multi-client capability, several brands or countries can be managed within one instance. And we are continuously expanding these strengths with new features such as automated document processing, rule-based workflows and intelligent interfaces to external services.

A powerful IT architecture is not an end in itself - it is the key to competitive products, efficient processes and satisfied customers. The tech11 Insurance Platform brings all of this together - with modern technology, a clear focus and the ambition to make the insurance IT of tomorrow a reality today.

Discover the full potential of the tech11 insurance platform today!

Contact our sales team directly for a personal presentation and demo!

Get in touch now!