• DigitalCore General supports flexible product structure including the definitions of product model, field and the interrelation
• Besides pre-defined product models on policy, risks, category, etc. eBaoTech’s core system also provides dynamic expansion
• With Product Factory, product launch can be shortened to a few days from a few months
• After related trainings, system user can directly participate in product development including rating configuration, rule configuration, etc. 

Policy Administration system includes the following functions: 

• Centralized operation model to reduce overhead and improve productivity
• Rules-based process that reduces manual work and increases customer retention
• Seamless integration with underwriting and reinsurance components to avoid operational risk
• Workflows are highly flexible and automated with the use of Rule Management system and Workflow Management system
• Built-in customer service and endorsement options address most customer requests in the policy life cycle. Non-sequential endorsement simplifies complex case operations, reducing requests for specialists and lowering costs
• Automated underwriting which helps the underwriters evaluate risk exposure, and drive for maximum underwriting profit.

Its flexibility allows the system to define processes for various claim cases. For cases with minor damage/loss, the Claim system allows the policy holder to complete a claim in a very short time thus improving customer satisfaction.

The Claims system is an online collaboration tool for Property & Casualty claims, built using web and imaging technologies to enable all parties involved in the claims process to work together anytime, anywhere, with any device (PC, mobile).

It provides several functions to manage sales channels, including:

• Sales channel and agreement set up and maintenance
• Commission calculation and settlement
• Sales performance tracking
• Campaign and bonus management

• Seamlessly integrated with all business modules, it collects financial data from new business, endorsement, claims, recovery, reinsurance and reprinting modules. Accounts receivable or accounts payable will be generated and posted to the GL according to accounting rules configured in system.
• Support most counter settlements, including over-the-counter premium collection and disbursements, accounts receivable and payable records for premium, reinsurance, co-insurance, claims, commission and agent consolidation billing. Offset and account transfer sub-modules allow user to deal with special requests from client.
• Standard bank transfer processing for automatic debit/credit card receipt and payment

It calculates the retentions and cessions, and generates reinsurance arrangements according to the treaty. Facultative task will be triggered once the risk exceeds the limit. The Reinsurance module also provides a statement including premium and claim recovery, for the insurer to settle with the Reinsurance Company.

Big Data Analysis Platform provides general management of customer data, allowing insurers to provide better service to their customers and increase customer satisfaction.