cope update the claims journey supporting 2014 strategy brian jarvis, vp, claims transformation...
TRANSCRIPT
![Page 1: COPE Update The Claims Journey Supporting 2014 Strategy Brian Jarvis, VP, Claims Transformation Alexis Doran, Director, Claims Transformation October 18,](https://reader036.vdocuments.net/reader036/viewer/2022062515/56649c745503460f949276aa/html5/thumbnails/1.jpg)
COPE Update The Claims JourneySupporting 2014 Strategy
Brian Jarvis, VP, Claims TransformationAlexis Doran, Director, Claims Transformation
October 18, 2010
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Today’s Agenda • Review ground rules for series• Review today’s objectives • Strategy 2014 and the customer experience• Case for change• Claims portfolio – shaping our future vision• Ensuring success• Questions
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Ground Rules• Forum is not part of the collective bargaining or s.
54 process – it informs context for forthcoming negotiations
• We ask that you exercise patience as we share our plans
• Not able to answer questions such as potential site closures or employee impacts, because we do not yet know
• We will follow up on appropriate questions that cannot be answered
• We are committed to sharing information with the Union as soon as decisions are made
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Today’s Meeting Objectives
In today’s session we will cover the following:
Share how we’re learning from our customers and employees, including best practices, and how we’ll continue to gather and use these insights on our journey to 2014Enhance your understanding of the long term plan for the Claims portfolio within our Transformation Program, and some of the projects currently underway to deliver a better customer and employee experience
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2014 Strategy
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Customer Targets for 2014
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2014 Goals TargetCurrent
4/10 7/10
57 75
Improve Customer Perception
Improve Customer Experience
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How will we get there?
Our approach to building the customer experience:
1. Understanding our customers – which aspects of our service customers like /don’t like, and what needs & wants they have that currently aren’t being met
2. Enabling our employees and business to deliver – based on customer insights, enabling our employees and business to consistently deliver what customers expect
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•Continuously measure Customer Experience to track progress
•Customer Experience priorities with greatest impact on BBQ score
Understanding customers’ attitudes and perceptions of ICBC
• Understand “moment of truth” pain points
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What is stopping us today?• Our processes and policies do not support
our employees• Employees don’t have the right tools and
information• Current systems are not designed around
the customer interaction• Current systems require repetitive entry of
data making it difficult for our employees to deliver the ideal customer experience
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How will we get there?
We need to provide our employees with:
•Better, single-source information that helps them be more efficient•Streamlined processes that enable them to deliver an excellent customer experience•Systems that allow employees to spend time on what matters to the customer•Better training for employees to help them meet the needs of customers
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First Steps1. Defining Current Claims Processes
– Involved 180 Subject Matter Experts (SMEs) from across the Claims division to understand how things really work in different parts of Claims
– Validated results with Claims employees
2. Industry Best Practices– Researched & evaluated industry-leading practices– Extracted lessons learned from other organizations
3. Customer Focus Groups – To understand our customers’ expectations and
what they value in their Claims experience
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1. Defining Current Claims Processes
– SME team reviewed more than 3,000 issues & opportunities identified
– Identified ways to simplify and improve processes, including specific technology needs/capabilities, i.e. business requirements
– Validated by external advisor with experience in Claims transformations
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2. Industry Best Practices
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Pre-paid Debit Cards
Direct Repair
End-to-End Self Serve
Direct Deposit of Funds
Self Serve Claim Status
Multi-Channel Reporting Options
Industry Leaders
Electronic Document Management
Expense Reimbursement
75% In House Estimating
No Published Service Commitments
In Person Claim Centre Appointments
Paper Cheques
Adjuster Assistance Required For Claim Status
Call Centre Reporting
ICBC
Microfiche
Money-back Service Satisfaction Guarantee
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3. Customer Focus Groups
“They need to treat you with respect. Treat you like a human being.”
“Why can’t I look up information on your web site that tells me exactly what I can expect from you
when I have an accident.”
”For simple claims, why can’t we report
online?”
“I want a human response. It felt like the person was filling out a
questionnaire. There was no emotion, no empathy.”
“You should have all expenses paid. You
shouldn't have to pay out-of-pocket”
“I want no assumption of guilt. You always feel like you have to defend
yourself.”
Trust Me
Trust Me
Meet my
Needs
Meet my
Needs
TransparencyTransparency
Provide me “Hassle Free” Service
Provide me “Hassle Free” Service
Respect Me
Respect Me
Empathize with Me
Empathize with Me
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Our Case for Change
Customer•Customers expect more•Not seen as delivering
“hassle-free” service•Current processes are
not customer-oriented•Competitors challenging
us on price & service•We need to increase
BBQ Score – 5/10 unacceptable!
•Need to focus on the overall Customer Experience
Customer•Customers expect more•Not seen as delivering
“hassle-free” service•Current processes are
not customer-oriented•Competitors challenging
us on price & service•We need to increase
BBQ Score – 5/10 unacceptable!
•Need to focus on the overall Customer Experience
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Our Case for Change
Customer•Customers expect more•Not seen as delivering
“hassle-free” service•Current processes are
not customer-oriented•Competitors challenging
us on price & service•We need to increase
BBQ Score – 5/10 unacceptable!
•Need to focus on the overall Customer Experience
Customer•Customers expect more•Not seen as delivering
“hassle-free” service•Current processes are
not customer-oriented•Competitors challenging
us on price & service•We need to increase
BBQ Score – 5/10 unacceptable!
•Need to focus on the overall Customer Experience
Employee•Low employee
engagement•Poor work tools – e.g.
outdated & inefficient technology & processes
•Improve change management practices
•Limited career path & prof. development opportunities
•Projected retirements expected to create skills shortages
Employee•Low employee
engagement•Poor work tools – e.g.
outdated & inefficient technology & processes
•Improve change management practices
•Limited career path & prof. development opportunities
•Projected retirements expected to create skills shortages
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Our Case for Change
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Our Vision for the Future Customer Experience• Deliver our claims services in a way that’s easy, flexible
and transparent for customers and partners:
– Enhance customer choice in service delivery options
– Enable self-serve capabilities for customers and preferred partners
– Commit to a Claims service promise
– Improve existing partner relationships & expand to new relationships to provide seamless service delivery
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Our Vision for the Future
Employee Experience• Improve our employees’ experience, while enhancing their
ability to serve customers:– Modern, efficient work tools, including an integrated,
paperless Claims Management System– Streamlined and simplified business processes– Remove repetitive work to give employees more time to
provide quality service to the customer – Skill-based assignment of work– A single source of information– Development and training programs, enhanced career
opportunities
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Our Vision for the Future
Financial Stability• Control loss/expense costs and maintain financial strength:
– Electronic files and streamlined business processes will reduce inefficiencies and costs
– Modern systems with predictive analytics and access to “good” data enable more effective decision making
– Improved ability to meet customer needs reduces potential litigation costs
– Partnership agreements to help realize efficiencies and cost-saving opportunities
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What This Means …Today
• 98% of customers come in one way to report claims – via phone
• 90% of customer calls today are for routine inquiries - deductible waived? Claim status? Car towed?
• Same claims-handling process for all customers
• Files primarily assigned by geography
• 75% in-house estimating
• Paper-based file means we have to work file in location of customer
• Files regularly transferred for different reasons
• Inflexible training opportunities
In the Future
• Customers have greater opportunity to report online
• Employees & customers save time! They use self-service & check status of their claim online
• Customer options: commercial vs. personal; faster process for “low-risk” claims
• Files assigned by matching risk/complexity of file to skills of employees
• Expand Express Repair & increase estimator reviews/audits
• Electronic Paperless file means anyone, at any location can help customer or assist employee with file resolution
• Employee can stay as single point of contact for customer even if they change locations
• Flexible training and development opportunities and options
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Claims PortfolioWhat is it?A set of Claims projects and initiatives under the
Transformation Program umbrella to:
• Help our employees consistently deliver an exceptional claims experience to our customers (People)
• Improve ICBC’s claims handling (Process)• Replace our aging business systems (Technology)
Key Elements:• Creating a more “hassle-free” customer experience • Removing complex & inconsistent policies and processes• Streamlining and simplifying inefficient business processes• Providing a fully integrated Claims Management System
Anticipated Timeline: Now to 2014
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Realizing Our Vision: Foundational Work in 2010
1.SystemSelect & introduce an integrated Claims Management System Solution (CMSS) adopting ICBC’s Technology Alignment Strategy
2.People & Processes Develop an enhanced claims business which will support achieving ICBC’s 2014 vision
3.Data Management Identify & recommend processes and systems that allow for the handling, capture and storage of paper and other electronic or digital media
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• End goal: – Deliver an end-to-end integrated claims management
solution and processes to improve the customer and employee experience
• Currently:– Selected a lead vendor
– Contract negotiations– “Fit Gap”
• Q3 2012 implementation begins
1. Shaping our future: The System
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EOI
Implementation Planning
System Transition Strategy
Execute
2010 2011
Q3/ Q4Jan Mar Jun OctJul Aug SepJuly Sept Dec
Q1 / Q2 Q3 / Q4 Q1 / Q2
Nov Dec
2012Q3/ Q4
Jan Mar Jun JulyJan Mar JunJuly Sept Dec
Q1 / Q2
Sept Dec
System Procurement –Project Deliverables & Expected Timeline
Go Live
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• Segmentation of claims based on risk
• Skill based claim assignment
• Workload balancing
• Real time claim handling to maximize once and done
• Involved all areas of the company – not just claims - to ensure an holistic approach
2. Shaping our future:People & Process
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Document Content Management• Inventory of critical claims requirements to
enable the electronic file• Corporate interest in our data/information• Conversion strategy
3. Shaping our future: Data Management
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Ensuring our Success• Significant change for any company - we want to get
it right! • Claims is moving in concert with other areas, so that
we are moving together towards strategy 2014• Established TP Governance• Strong project management to help the business
follow sound change management principles• Working with risk advisor that takes a 3rd-party
perspective• Hired a business advisor with lots of experience and
industry knowledge in transformational change• Hiring a Systems Integrator to help us with
implementation of multiple systems
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What’s Next
We’ll provide more information once decisions have been made.
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Revisit Today’s Meeting Objectives
In today’s session we covered the following:
Share how we’re learning from our customers and employees, including best practices, and how we’ll continue to gather and use these insights on our journey to 2014Enhance your understanding of the long term plan for the Claims portfolio within our Transformation Program, and some of the projects currently underway to deliver a better customer and employee experience
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Questions?