• The digital insurance industry is projected to grow at a 12.5% CAGR over the next decade (Mordor Intelligence).
• The shift to digital in the insurance industry is driven by technological advancements and the need for convenient services for policyholders.
• Insurance apps should be sensitive and attentive to the needs of distressed customers, as policyholders typically use insurance services during times of crisis.
• Building an insurance app can help establish meaningful connections with customers and gather valuable data for generating insights.
• Enhanced digital experiences for customers through well-designed insurance apps can lead to increased revenue.
• Insurance apps enable insurance agents to focus on acquiring larger clients, saving time and reducing costs.
• Designing insurance apps that offer seamless digital experiences is crucial for success.

Steps to design insurance apps for creating seamless digital experiences

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1. Simplify the onboarding process 

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The first and most crucial stage of the UX design process is to streamline the entire onboarding and registration process. Lengthy forms and complex processes can lead to higher drop-off rates with 43% of users never completing the registration process due to bad UX in onboarding. To simplify the onboarding process, minimize the steps, gather only the most important information, and follow clear and transparent data collection practices. Utilizing a progress bar, social media logins, and pre-filled fields, and guiding your customer with helpful microcopies can create an effortless onboarding process. 

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2. Easy access to information 

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There is no doubt that insurance apps will be cluttered with information, policies, and features. The best way to tackle this problem of managing a truckload of information is by defining it intuitively during the information architecture stage. Make sure to place the most frequently used features at the top of the app's navigation hierarchy and provide clear and concise labels along with icons for buttons and menus.

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Read more: Top Technology Trends in Insurance 2023

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3. Personalize the experience 

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All policyholders will have unique needs and preferences that match their individual backgrounds. Insurance companies can address these needs by using AI and machine learning technology that has the capacity to analyze vast amounts of behavioral data to offer personalized policy recommendations.  Additionally, customers can be given customized interface layouts or manage notification settings on their own to increase their satisfaction and build empathetic connections. 

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Source: https://dribbble.com/shots/15335948-Insurance-Mobile-App 

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4. File a claim 

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One of the most significant aspects of insurance apps is to create a seamless experience of lodging claims to redeem the insurance. For example- in vehicle insurance, the interface should allow users to click and upload pictures of the damaged vehicle as proof to claim the insurance. Make sure to minimize the steps and conclude the process on one page itself. 

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Source: https://www.repairerdrivennews.com/2020/11/26/clearcover-snapsheet-partnership-ai-means-auto-claims-in-industry-leading-turnaround-time/ 

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5. Manage policies through a panel

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Another important screen is a sleek and minimalistic UI that allows users to view policy details, make changes, get policy payment reminders, file claims, and track the status of these claims. This can function as the homepage of the app where the users can manage all their policies efficiently. Insurance companies can also notify customers about the status of their insurance and other important updates via push notifications. 

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Source: https://dribbble.com/shots/16104942-Versi-Mobile-Insurance-App 

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6. Integrate with third-party services 

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Insurance apps need to be integrated with third-party financial or lifestyle services to improve the entire user experience of the app. This includes payment gateways like Gpay to enable policyholders to make payments conveniently without switching to multiple apps. Similarly, companies can consider collaborating with other services like health apps to allow users to track their health in terms of health policies. 

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7. Provide 24/7 customers service 

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Insurance apps will have customers relying on solving their queries all the time, be it during the onboarding or filing claims process. Incorporating AI-powered chatbots can resolve such queries at any time of the day and at lightning speed. However, not all queries can be solved with a chatbot, so companies should provide an alternative that allows customers to talk with customer service representatives in real time. Offering both these options is needed as customers will reach out during emergencies like accidents and would need the support of a human representative. 

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Video and source: https://cdn.dribbble.com/users/5031392/screenshots/16988218/media/5ddf3ec1f4d3c350021cb156a97f9e17.mp4 

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Conclusion 

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To conclude, designing an insurance app involves simplifying many complex processes which will require a considerable amount of time and professional help and expertise. If you are looking to build an insurance app or revamp your existing one, you can reach out to us. Our team of designers has years of experience creating seamless digital insurance apps. 

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Want proof of our work? Look no further!  Check out our case studies here. 

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Sources: 

1. https://www.ipification.com/blog/how-mobile-apps-can-cut-the-drop-off-rate-in-sign-in-process/ 

2. https://www.mordorintelligence.com/industry-reports/digital-insurance-platform-market 

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