Member
Profitability
Analytics
Peraison helped Doctors Health Fund unlock member-level insurance margin for the first time by building an actuarially sound cost allocation model and an interactive profitability view that makes margin clear, trusted, and usable.
With key costs previously allocated only at state or company level, the fund could not see which products and member segments were creating or eroding value.
We allocated costs to individual members using revenue and SEU-based methodologies, validated results against fund-level financials, and delivered a self-serve capability that lets leaders compare margin by product, lifestage, location, and age, with a component breakdown across contributions, claims, ambulance, risk margin, RESA, MER, and more.
Profitability visibility at member level, for the first time
A true member-level margin view enabled segment-by-segment profitability analysis across products and demographics.
Sharper retention & acquisition targeting
Retention and acquisition activity could be focused on the member segments that generate the most value, improving the profitability mix of the portfolio.
More confident pricing decisions with clear margin drivers
Transparent margin breakdown showed exactly what drives profitability, supporting stronger product pricing & portfolio decisions.
Modern Solutions for a changing Insurance landscape
Helping Insurance institutions
accelerate with data & AI
Modernise data foundations across policy, claims, billing, and digital channels to enable cloud adoption and AI readiness. Establish governed data products, reusable pipelines, and scalable platforms so underwriting, claims, and service teams can make faster decisions with trusted, current information.
Unify policyholder, broker, and channel data to improve acquisition, renewal, and retention. Build segmentation, propensity, churn, and next best action models that help teams target the right customers, support intermediary performance, and improve portfolio mix across products and customer segments.
Strengthen risk and compliance outcomes with embedded controls, auditable data, and clear lineage across key processes. Implement model governance, monitoring, and regulatory-aligned workflows to reduce operational risk, improve transparency, and support consistent compliance across jurisdictions and lines of business.
Reduce claims cycle time and improve customer outcomes by redesigning workflows and automating high-volume tasks. Apply intelligent triage, document processing, and exception-led handling to lower cost to serve, improve consistency, and free specialists to focus on complex claims and member support.
Improve underwriting discipline and pricing performance with better risk selection and portfolio visibility. Deploy analytics that monitor loss ratio drivers, exposure shifts, and performance by line, segment, and channel, enabling earlier intervention, stronger pricing adequacy, and more confident growth decisions.
Deliver trusted reporting that supports IFRS 17, solvency, reserving, and management performance needs. Reduce manual reconciliation through controlled data models, automated validation, and consistent definitions so finance and actuarial teams can close faster, explain movement, and report with confidence.
Deliver robust outcomes across policy, claims, and data platforms with modern architecture and stack-agnostic engineering. Use proven accelerators and delivery patterns to integrate core systems, uplift reliability and performance, and enable scalable capability that teams can own and extend.
Our Insurance stories & insights
Explore the real‑world impact of our work across financial services, with stories and insights that reveal how data, AI, and technology deliver measurable outcomes.
Curious how we can improve your business's performance?
Get in touch with our team