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Case Study

Offshore Development of Insurance Claims Management Solution

Reimagining How Applicants Submit and Track Insurance Documents Digitally

Android BFSI Cloud Database & SQL DevOps Digital Transformation Frontend Greenfield Software Development Healthcare & Fitness Hire Developers iOS Mobile Apps NodeJS QA Software Outsourcing UI UX Utilities

Project Overview

Client Industry

Healthcare & Insurance

Client Introduction

A mid-sized health insurance company providing digital policy services and claim management.

Client Location

United States

Business Need

The client needed a secure, mobile-first utility to streamline the document submission process for their insurance policyholders. Their existing systems were fragmented, relying heavily on manual uploads via email and physical submission. This resulted in delays, frequent document mismatches and a poor user experience. They wanted a robust insurance claims management solution that would let users upload and verify documents directly from their smartphones — fast, securely and with minimal friction. Moreover, the system had to support encrypted data storage and transmission, comply with healthcare data regulations and work reliably in low-connectivity environments often encountered by end users.

Technology Stack

Frontend

Swift

SwiftUI & Swift (iOS)

Chosen for its declarative UI architecture, seamless integration with Apple’s ecosystem and better performance.

Kotlin

Kotlin (Android)

Offers type safety, coroutines for async tasks and better tooling support in Android Studio.

Backend

Node.js

Node.js with Express

Enables scalable APIs with non-blocking I/O and fast response times.

PostgreSQL

PostgreSQL

A robust relational database system, ideal for handling structured insurance policy and user data securely.

Security & Compliance

AES

AES-256 Encryption

Used to apply image data protection for both client-side and server-side.

JWT & OAuth 2.0

JWT & OAuth 2.0

Used for secure user authentication and session management.

DevOps & Tooling

Firebase Cloud Messaging

Firebase Cloud Messaging

For real-time push notifications.

Docker

Docker

Containerized microservices for deployment flexibility.

Github

GitHub Actions

CI/CD pipelines for automated testing and deployment.

Real-World Challenges in Claims Management Solution Development

Building a custom mobile utility for insurance applicants from the ground up demanded more than just code — it required solving operational bottlenecks, strict compliance challenges and UX friction points. The client approached us to outsource the entire product development lifecycle to our dedicated offshore software development team. With no pre-existing app, no insurance claims management software and no backend services, this was a true greenfield engagement. Every system and feature had to be designed from scratch including insurance data integration with their policy records and future claims processing workflows.

No Existing Digital Workflow

Document submission was entirely manual — via email, physical forms or call center support. Users had no self-service option to upload or verify their insurance documents digitally.

Security & Compliance Demands

Insurance documentation includes personally identifiable information and health records. With no mobile strategy or backend architecture in place, we had to establish encryption, storage and compliance standards aligned with a claims management solution roadmap.

Multi-Step Authentication Complexity

The proposed authentication model required PIN verification, email confirmation and a Unique Access Code (UAC) for secure identity validation. None of these existed in the client’s system, demanding a ground-up implementation.

Offline Functionality Was Non-Negotiable

Users in remote areas often face connectivity drops. To ensure reliable uploads, we needed to engineer secure offline functionality with queuing logic and encrypted local file storage.

No Real-Time Notification or Status Feedback

Since users had no way to track document approval or rejection, we needed to build notification mechanisms using SMS, email and in-app alerts to support a user-friendly claims intake experience.

Lack of Internal Engineering Capability

The client had no mobile developers or backend engineers. They needed to hire a dedicated app development team to own the entire software development lifecycle, including future support for insurance data integration and claims system scalability.

Strategic Solution for Secure Insurance Claims Management App Development

To bring this vision to life, we executed a full-scale greenfield software development strategy, delivered entirely by our offshore team. The client chose to outsource the entire engagement, relying on our dedicated remote team to build, secure and scale the platform from the ground up. With no pre-existing mobile systems or backend infrastructure, we focused on building a modular, future-proof architecture that could evolve into a comprehensive insurance claims management software over time.

Discovery & Planning Phase

Our process started with extensive requirement mapping, involving the client’s business team, compliance officers and process stakeholders. The goal was to outline all functional, technical and regulatory expectations — including insurance data integration with their policy management systems and alignment with future claims management solution expansion.

Custom Solution Architecture

We built the backend using Node.js and PostgreSQL to support structured policyholder data and encrypted media records. The mobile apps were developed natively; SwiftUI for iOS and Kotlin for Android for optimal camera control, security and offline support. The architecture was API-first to allow future plug-ins like claims intake workflows or insurance data analytics modules.

Security-Centric Implementation

Data protection was engineered at every layer. Documents were encrypted locally using AES-256 and transmitted via HTTPS/TLS. We designed secure authentication with JWT and OAuth2, wrapped around a custom UAC (Unique Access Code) system. This security posture laid a strong foundation for a trusted insurance claims management software ecosystem.

Intelligent Upload Queue Manager

To address poor connectivity scenarios, we implemented a queue manager that securely stored documents offline until uploads could resume. The retry mechanism, combined with encryption-at-rest, ensured both usability and compliance.

Real-Time Notifications

The app included real-time push notifications via Firebase, SMS via Twilio and emails via SendGrid. Users were notified about upload success, document approval and next steps — creating transparency that’s vital for any claims management solution.

Compliance and Scalability

HIPAA and GDPR standards were embedded into every data flow. The entire platform was containerized using Docker, making it easy to extend into a full-featured insurance claims management software in future iterations.

Key Features Delivered in the Insurance Claims Management Solution

Our dedicated offshore team delivered a fully functional MVP that laid the groundwork for a scalable, secure and intuitive mobile solution for insurance claims management. Every feature was purpose-built with extensibility in mind, allowing the client to grow the product into a robust insurance management software over time. From secure uploads to insurance data integration readiness, each component was a step toward a digital-first insurance experience.

User Management & Role-Based Access Control

Secure account creation and multi-level access rights for applicants, internal staff and future claims reviewers — critical for any insurance claims management software.

User Management & Role-Based Access Control

Secure account creation and multi-level access rights for applicants, internal staff and future claims reviewers — critical for any insurance claims management software.

Multi-Factor Authentication with UAC Tokens

Combined PIN, email and Unique Access Code (UAC) verification to deliver secure onboarding and session integrity.

Policy Management & Linking

Users could search and link their insurance policies via policy numbers, enabling seamless insurance data integration for downstream processes.

Secure Document Capture & Upload

Native camera and gallery upload functionality with real-time compression, format validation and encryption pre-upload.

Offline Upload Queue & Auto-Sync

A smart queue manager stored uploads locally in encrypted form, syncing automatically when connectivity returned — vital for mobile-first claims submission.

AES-256 Encrypted Local Storage

All document data was encrypted on the device, inaccessible to other apps or background processes, ensuring compliance from the start.

Integrated Notification Engine

Email, SMS and in-app notifications kept users informed of submission status and document approval — a major step toward a responsive claims management solution.

CMS-Driven Content Controls

Admins could manage submission guidelines, help articles and policy content dynamically without code changes.

Activity Logs & Audit Trails

Every user action — from uploads to retries — was logged for accountability and support, fulfilling key insurance compliance criteria.

Modular API Architecture

The app’s API-first backend supports plug-and-play expansion, including integration with a full-scale insurance claims management software or external claims processing systems.

Results & Outcomes

The decision to outsource this greenfield software development to our offshore team paid off with a secure, scalable and production-ready mobile solution — built entirely from scratch. The client now has a high-trust digital utility that not only solves today’s insurance claims document intake problems but is architected to evolve into a full-featured insurance management software. With proper insurance data integration and user-centered design, they’re now positioned to transform their service model across digital channels.

%

Drop in Manual Submissions

Transitioned users from paper-based and email workflows to encrypted in-app uploads, reducing human errors and internal processing delays.

%

Improvement in Processing Speed

Uploaded documents were automatically mapped to policy records, enabling faster internal review — a direct benefit of smart insurance data integration.

%

Upload Success Rate with Queue Management

Offline queueing ensured uploads weren’t lost due to weak connectivity, dramatically increasing reliability in underserved regions.

%

Reduction in Support Volume

Intuitive UX and real-time notifications cut support queries by 35%, freeing up internal staff to focus on claims and policy servicing.

Zero Security Incidents Post-Launch

Military-grade encryption and secure local storage ensured full compliance with HIPAA and GDPR, even before the future rollout of the claims management solution.

Seamless Onboarding Across User Demographics

Both tech-savvy and traditional users adopted the app without friction, thanks to the simple authentication model and mobile-first design.

Infrastructure Ready for Claims Expansion

The backend and API design support future modules like claims submission, document tracking and integration with existing insurance claims management software platforms.

Built for Now, Ready for What’s Next

This project demonstrates how offshoring greenfield app development to a reliable software development company can unlock long-term digital transformation in highly regulated industries. With zero internal engineering bandwidth, the client successfully outsourced the complete lifecycle — from discovery to deployment — to a dedicated team of remote app developers. The resulting custom software was not only secure and performant but also architected with future scalability in mind.

By building a foundation rooted in insurance data integration, secure document processing and modular service design, the client now owns a claims management platform that can evolve into a full-scale insurance management software. This lays the groundwork for integrating features like claims tracking, automated approvals and workflow escalation in later phases. The flexibility built into this solution ensures it can extend into a comprehensive claims management solution without expensive refactoring or delays.

In short, this wasn’t just about shipping an app. It was about setting up the infrastructure to support digital-first insurance operations at scale, using the right offshore partner and a trusted outsourcing engagement model.

Looking to digitize insurance workflows or build a secure claims management solution from scratch?

Let’s talk about how our offshore software development team can deliver a custom insurance app tailored to your business needs — secure, scalable and built to last.

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