BNP Paribas Cardif: Centralizing Claims with Higson
BNP Paribas Cardif implemented Higson to scale its claims platform, centralize risk management, and empower business users with easy system updates.
About the Client
BNP Paribas Cardif is the insurance unit of BNP Paribas, one of the largest banks in the eurozone. The company provides insurance products through numerous partners and sales channels.
Project Needs
As Cardif’s network of partners and products expanded, the company needed an online claims notification system that could:
- Scale efficiently with growing business demands.
- Support multiple products and partners without adding complexity.
- Be easily updated and maintained by business users, without heavy IT involvement.
The Role of Higson
Cardif selected Higson for its scalability, flexibility, and business-user-friendly design. The solution addressed key requirements by:
- Enabling business users to modify claim form labels, attach dictionaries, and reorder components without coding.
- Providing a Claims Form Designer that streamlined updates and minimized the need for new code.
- Maintaining a central risk definitions repository, storing details such as risk names, descriptions, relations, coverages, and sums insured. One risk could be linked to multiple products, reducing redundancy.

Higson’s architecture seamlessly supported the growing number of products and partners.

All claims can be handled through a single online platform, lowering costs and simplifying operations.

Business users could update forms and rules independently, ensuring fast and efficient adjustments without IT.
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