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Insurance Mobile and Web App Development
Roadmap, Techs, Skills, Costs
ScienceSoft relies on 12 years of experience in insurance software development to design and build robust insurance applications.
Insurance Application Development: Quick Summary
Insurance application development helps businesses in the industry provide seamless digital experience for their clients, employees, and vendors, which results in increased operational efficiency and revenue growth. Insurance apps offer automation of insurance-related activities, enable prompt and convenient interaction and secure sharing of sensitive data between the participants of the insurance process.
How to create an insurance app in 8 steps
- Analyze target user needs, market trends, and relevant regulations.
- Design the app's features, architecture, integrations, UX and UI.
- Select a reliable and pragmatic tech stack.
- Plan deliverables, timelines, budget, and risk mitigation steps.
- Develop back end and role-specific interfaces.
- Integrate the app with the necessary systems and tools.
- Perform functional, usability, and security testing.
- Configure the infrastructure and set the app live.
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Timelines: 6–11+ months, depending on the app's complexity. Cost: $120,000–$180,000 for insurance mobile app development; $200,000–$400,000+ for insurance web app development. Use our online calculator to estimate the budget for your case. Team: a project manager, a business analyst, a compliance consultant, a solution architect, a UX/UI designer, a DevOps engineer, a back-end developer, a front-end developer, a QA engineer. |
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With 750+ experienced and creative IT talents on board, ScienceSoft provides all necessary competencies to build reliable, secure, and stylish apps for various insurance fields.
Benefits of Insurance Web and Mobile Application Development
Customer apps
According to EY, over 80% of customers are willing to use digital and remote contact channels instead of interacting with insurers via agents or brokers. Provide your clients with vast self-service options so they can instantly apply for insurance, make payments, view policies, submit and track their claims. You benefit from improved customer satisfaction and extended client base along with higher productivity of your internal teams.
Agent apps
Are you among 80% of insurers who have already recognized the importance of agent experience transformation for steady business growth? Introduce a comprehensive toolkit for your agents to help them easily manage their daily workflows, quickly access the required data, seamlessly interact with clients and your internal teams. With a 20–130% increase in the agents’ efficiency, you get momentum to scale up and drive higher revenue.
Employee apps
Let your employees resolve customer and business issues 24/7 from any location. With a mobile app, your employees will be able to perform even the most complex underwriting and claim settlement tasks on the go in a secure and compliant manner.
Supplier apps
Help suppliers streamline insurance-related data sharing, improve collaboration with your sourcing and claim resolution teams, and enhance operational efficiency. It will allow you to establish closer partner relationships and build a resilient insurance value chain.
Types of Insurance Web and Mobile Apps
Here are some examples of specialized insurance applications ScienceSoft delivers:
Personal insurance
General liability insurance apps
Professional liability (E&O) insurance apps
Commercial property insurance apps
Commercial auto insurance apps
Workers' compensation insurance apps
Environmental insurance apps
Aviation insurance apps
Marine insurance apps
Energy insurance apps
Engineering insurance apps
New insurance models
A Roadmap to Insurance App Development
A typical process of developing an insurance application with ScienceSoft usually goes as follows:
1.
Analysis of the as-is business situation and market research
ScienceSoft starts the insurance app development journey with a thorough analysis of:
- The company’s business needs and app vision.
- The needs and expectations of the app’s target users (customers, agents, suppliers, etc.).
- Competitors’ offerings, their weaknesses and strengths.
- Global and region-specific compliance requirements for the application, e.g., AML/KYC requirements to prevent insurance fraud, PCI DSS for secure card payment processing, HIPAA to ensure security of customer health data, and more.
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2.
Insurance application design
At this stage, ScienceSoft introduces a detailed list of functional and non-functional requirements for the insurance app and suggests the proper platform to base the app on (web, mobile, or both). It lays the foundation for:
- An optimal feature set for the application (including security and compliance features). We prioritize the features for implementation based on their potential to drive fast payback.
- Architecture design for the insurance application, its components and integration points.
- UX and UI design for the app’s end users and admins. We perform UX research, deliver prototypes, conduct usability testing, create a sleek visual style for the app, and provide UI mockups.
- A plan of app integrations with the required internal and third-party systems (e.g., underwriting software, a claim management system, payment gateways, etc.). If needed, we design custom integration solutions.
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3.
Tech stack selection
ScienceSoft composes the toolkit for insurance app development with the client’s priorities (minimized cost, prompt development, etc.) in mind. To streamline development and ensure the high quality of the application, we rely on trusted low-code platforms, frameworks, and prebuilt components (ready-made UI components, building blocks for the app logic, OOTB deployment scripts, etc.) where possible.
Insurance mobile app development assumes the choice between native (iOS, Android) and cross-platform technologies. We analyze the feasibility of both options for the client’s needs and suggest the optimal approach that would help maximize the app’s value and meet the expected project budget.
4.
Project planning
Accurate planning of app development can significantly shorten project timelines and prevent operational and financial risks. At ScienceSoft, this stage includes:
- Defining objectives, KPIs, and milestones for the project.
- Determining project deliverables, duration, and budget.
- Forming the project team and designing collaboration workflows.
- Outlining possible project risks, creating a risk mitigation strategy and plan.
- Estimating the expected TCO and ROI of the insurance application.
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5.
Insurance application development
Building the insurance app with ScienceSoft typically covers the following stages:
- Establishing development and delivery automation environments (CI/CD, container orchestration, etc.).
- Creating the app’s server-side code, including API code.
- Developing role-specific user interfaces.
- Running quality assurance procedures in parallel with the development.
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6.
Integration with other systems
ScienceSoft establishes the integrations between the app and your business-critical systems. We also conduct integration testing to ensure smooth and secure data flow between the connected solutions.
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7.
Application deployment and release
At this stage, ScienceSoft configures the app’s infrastructure, backup and recovery procedures, establishes infrastructure security, and releases the app to the end users. We can also assist in creating a landing page for app promotion or uploading your insurance application to the required web or mobile app stores to streamline app release.
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8.
After-launch support and evolution (optional)
Insurance application development rarely stops upon the launch since the app requires ongoing functional extensions to address the users’ changing preferences and accommodate the insurer’s expanding service range.
ScienceSoft helps ensure seamless performance and high efficiency of your application in the long run by providing:
- Instant identification and fixing of operational issues.
- Monitoring app compliance with the required legal standards and performing compliance audits.
- Upgrading the app’s functional and non-functional capabilities when your business needs change.
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Our Featured Success Stories on Insurance App Development
Build Your Insurance Application with Professionals
Having decades-long experience in web and mobile development and 12 years of expertise in creating insurance solutions, ScienceSoft knows how to build insurance apps that introduce seamless digital journeys and drive high ROI. We provide:
Consulting on insurance app implementation
We design the architecture, features, and visual appearance of your app, provide expert advice on security and compliance, and deliver a detailed project roadmap. You benefit from risk-free implementation and get an opportunity to optimize project costs.
End-to-end insurance app development
We cover 100% of app implementation process, from design and coding to integration and QA, and are ready to stay with you for continuous app support and evolution. You benefit from the fast launch, top-notch performance, and sleek visual style of your app.
Why ScienceSoft
- Since 1999 in web development and since 2005 in mobile development.
- Since 2003 in cybersecurity to ensure world-class protection of your apps.
- Since 2012 in designing and building insurance software.
- Compliance experts with 10+ years of experience to ensure that your app meets AML/CFT, FIO, NAIC, NICB, CCPA, SOC1/SOC2, SAMA, IA, GDPR, NYDFS, HIPAA, and other legal frameworks.
- A mature quality management system and customer data security backed up by ISO 9001 and ISO 27001 certificates.
- For the third straight year, ScienceSoft USA Corporation was listed among The Americas’ Fastest-Growing Companies by the Financial Times.
- ScienceSoft is a three-time member in the list of the most trusted outsourcing service providers selected by IAOP.
What makes ScienceSoft different
We achieve project success no matter what
ScienceSoft does not pass mere project administration off as project management, which, unfortunately, often happens on the market. We practice real project management, achieving project success for our clients no matter what.
Perks of Insurance App Development with ScienceSoft
ROI-oriented approach
We define the optimal functionality and tech stack for your app to avoid unnecessary expenses. We rely on iterative development and prioritize the features that offer rapid payoff to help you start driving ROI from app implementation sooner.
Prompt development
We guarantee a quick project start (1–2 weeks), frequent releases (every 2–3 weeks), and apply established Lean, Agile, and DevOps practices to ensure app implementation as planned. We can deliver an MVP for your insurance app in 3–5 months.
Transparent collaboration
We create custom sets of KPIs to track the quality of services we deliver and submit regular reports on the accomplished tasks.
We ensure app compliance with all required global and region-specific data protection standards and insurance regulations.
Our BFSI Clients Say
What stood out was ScienceSoft's proactive suggestions for cost-saving architecture design and tech stack solutions. Their input ensured we stayed within budget without compromising on software quality.
ScienceSoft’s communication was exemplary; unlike our previous experiences with outsourcing, we never had to chase them for updates, and they were always prompt in responding to our queries.
We are impressed with ScienceSoft’s pragmatic project management, quality-first mindset, and transparent communication. They are strongly motivated to deliver maximum value with their services.
Typical Roles on Our Insurance App Development Teams
Project Manager
Plans the project, coordinates the team, controls the project progress, and reports it to the client.
Business Analyst
Analyzes a client’s business needs and app vision, elicits functional and non-functional requirements for the app.
Compliance Consultant
Analyzes legal requirements for the app, advices on the proper compliance maintenance policies to implement.
Solution Architect
Designs secure and scalable architectures for the app and the integration solutions.
UX/UI Designer
Designs the user experience and role-specific user interfaces of an insurance app.
DevOps Engineer
Configures the development automation environment and app’s infrastructure.
Front-end Developer
Creates the UI of an insurance app and fixes the defects found by the QA team.
Back-end Developer
Codes the app’s back end, integrates the solution with the required systems, fixes the defects found by the QA team.
QA Engineer
Designs and implements a test strategy, a test plan, and test cases to validate the quality and security of the app, reports on the QA results.
Sourcing Models for Insurance Application Development
Reliable Tech Stack for Insurance App Development
In insurance app development projects, ScienceSoft’s team usually relies on the following technologies and tools:
Insurance Application Development Costs
The cost to develop an insurance application of moderate complexity may vary from $120,000 to $400,000, while building an advanced insurtech app may require $400,000+ in investments.
Below, ScienceSoft lists the major factors that impact the cost of an insurance app development project:
- The chosen sourcing model (in-house, outsourced).
- The type of an insurance app – web or mobile.
- For mobile apps: the supported platforms (iOS, Android, cross-platform).
- The scope and complexity of the app’s functionality.
- The number of user roles and role-specific UX and UI requirements.
- The number and complexity of integrations.
- Performance, scalability, availability, security, compliance requirements.
- Fees for the required cloud storage services, prebuilt app components, integration APIs, authentication tools, messaging services, etc.
Here are the approximate cost estimations based on ScienceSoft's experience in insurance app projects:
$120,000–$180,000
Building a mobile insurance app of average complexity.
$200,000–$350,000
Developing a web insurance application with basic functional capabilities.
$400,000+
Creating a comprehensive web-based insurance app powered with advanced techs.
Learn the Cost of Your Unique Insurance Application
Please answer a few questions about your business needs to help our consultants estimate the cost of your unique insurance solution faster.
Thank you for your request!
We will analyze your case and get back to you within a business day to share a ballpark estimate.
In the meantime, would you like to learn more about ScienceSoft?
- Project success no matter what: learn how we make good on our mission.
- 12 years in insurance IT services: check what we do.
- 4,000 successful projects: explore our portfolio.
- 1,300+ incredible clients: read what they say.
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About ScienceSoft
ScienceSoft is a global IT consulting and software development company headquartered in McKinney, Texas. We provide end-to-end application development services to help insurance companies design and build reliable apps for their clients, agents, vendors, and internal teams. In our projects, we employ robust quality management and data security management systems backed by ISO 9001 and ISO 27001 certifications.