10 best health insurance solutions available in 2025

September 4, 2025

Transforming the Health Insurance Industry in 2025

The health insurance industry has rarely been accused of moving fast. For decades, it has operated in a world of fax machines, call centres, and clunky systems held together by layers of manual intervention. But that world is beginning to crack.

Rising healthcare costs, shifting demographics, and a growing appetite for digital-first experiences are dragging the industry, sometimes reluctantly, into the 21st century. While many insurers still wrestle with legacy infrastructure, a new cohort of technology firms is working to modernise the sector from the ground up.

The Numbers Behind the Shift in 2025

The numbers tell a compelling story, as health insurance premiums are forecast to reach $2.5tn globally in 2025, with the US accounting for the lion’s share, according to Statista. Meanwhile, 83% of health insurers say they’ve already adopted digital claims processing, and 65% are investing in artificial intelligence to overhaul underwriting, customer service and fraud detection, according to Gitnux.

But modernisation is proving to challenge firms on a cultural level, as well as a technological one. Many providers still rely on outdated, time consuming systems that silo data, slow down decision-making, and frustrate users. For patients, the result is often the same, long wait times, opaque policies, and a general feeling of being lost in the system.

Innovators Leading the Health Insurance Revolution

The companies featured here are attempting to change that. From AI-powered risk management systems to real-time claims automation, these ten vendors are building tools to help insurers move faster, communicate better, and ultimately serve people more effectively.

Some are household names in enterprise tech; others are specialist upstarts carving out their own niche. What they share is a commitment to dragging health insurance, kicking and screaming if necessary, into a more connected, efficient, and patient-friendly future.

FinTech Global highlights 10 of the best health insurance solutions available in 2025.

Top 10 health insurance solutions available in 2025

Comarch

Comarch: Modernising core insurance systems with integrated enterprise software

Founded: 1993
Subsectors: Commercial/Enterprise Insurance, Life/Health Insurance, Data/Intelligence, Infrastructure/Backend
Regions of Operations: Global
Who does it serve: Insurance companies globally, with a focus on mid-to-large carriers in life and health lines that require flexible, integrated digital platforms. Comarch supports insurers seeking modernisation of legacy policy administration, billing, claims, and CRM systems, especially in heavily regulated or multinational markets.
What it does: Provides enterprise-grade insurance software solutions including policy administration systems, billing engines, ERP platforms, and CRM/BI tools. Comarch enables insurers to digitise and streamline core operations, reduce IT complexity, and enhance customer experiences in health and life insurance environments.

Key features:

Integrated policy administration and billing tailored to health insurers.
BI and CRM modules for customer engagement and analytics.
Scalable cloud/ERP-based backend infrastructure.

Cortical.io

Cortical.io: Streamlining health and disability insurance workflows with semantic NLP for complex medical and legal documents

Founded: 2011
Subsectors: Commercial/Enterprise Insurance, Life/Health Insurance, NLP / AI, Data/Intelligence
Regions of Operations: United States, Austria, Germany, Switzerland
Who does it serve: Large insurers and reinsurers, particularly those with complex, document-heavy operations such as group life, health, and disability insurance. Clients like Swiss Re and UNUM use Cortical.io to automate document classification, improve compliance, and streamline quoting and underwriting workflows involving long-form legal or regulatory documents.
What it does: Delivers an advanced natural language processing (NLP) solution, SemanticPro, to extract, compare, and classify information from unstructured insurance documents. The platform allows underwriters and claims analysts to automate manual text review, reduce turnaround times, and improve decision accuracy in high-volume policy environments.

Key features:

Automatic extraction and semantic search across complex policy text (90‑94% accuracy).
No‑code interface for business teams to train models quickly.
Dramatically reduces review time and error rates in underwriting/quoting

dacadoo

dacadoo: Powering health insurers with data-driven engagement and dynamic lifestyle-based risk scoring

Founded: 2010
Subsectors: Life/Health Insurance, Data/Intelligence, Health Engagement
Regions of Operations: Global
Who does it serve: Insurers, reinsurers, health providers, and employers that want to reduce risk, improve engagement, and personalise underwriting by integrating wellness and lifestyle data. Also serves digital health startups and third-party administrators offering embedded or supplemental health benefits.
What it does: Offers a data-driven digital health engagement platform that uses behavioural science and real-time data to track health metrics, assign a dynamic Health Score, and engage users through gamified wellness activities. Enables insurers to underwrite based on lifestyle risk and promote preventive health.

Key features:

Health Score engine based on >300 million person‑years of clinical data.
Gamification and lifestyle engagement modules to encourage healthy behavior.
API for integration into insurers’ branded apps and wellness portals.

Decerto

Decerto: Enhancing agent efficiency in life and health insurance with portals and rules-based underwriting engines

Founded: 2016
Subsectors: Life/Health Insurance, Auto, P&C, Data/Intelligence, Agent Portals, Embedded Insurance
Regions of Operations: Poland, UK, USA
Who does it serve: Insurance carriers across Europe and North America, especially those seeking to modernise agent-facing applications, streamline business rules, and digitise quoting and onboarding for products such as life, health, P&C, and travel. Particularly dominant in Poland, with partnerships across the EU.
What it does: Builds Agent Portal platforms and rules-based engines like Higson to automate underwriting, quoting, and product logic. Decerto’s solutions are tailored to improve agent productivity, enhance customer acquisition, and enable real-time decisioning for life and health insurance lines.

Key features:

Agent Portal to boost agent efficiency in sales and service.
Higson rules engine to manage complex underwriting/product logic.
Strong local experience in Polish/European carriers.

Earnix

Earnix: Driving real-time pricing and personalised insurance products with explainable AI decisioning

Founded: 2001
Subsectors: Life/Health Insurance, Usage‑Based Insurance, P&C, Data/Intelligence
Regions of Operations: Global
Who does it serve: Large multinational insurers and MGAs operating across life, health, P&C, and usage-based lines. Earnix supports companies looking to use AI for dynamic pricing, personalised product offerings, and faster, more consistent underwriting decisions.
What it does: Provides an AI-powered decisioning and analytics platform for pricing, risk assessment, and product customisation. Enables insurers to deploy real-time pricing engines, automate underwriting logic, and ensure explainability for compliance teams using machine learning and low-code workflows.

Key features:

Real‑time rating engine for dynamic pricing and personalisation.
Underwriting automation combining ML and business rules.
Low‑code, explainable AI for governance and compliance.

Hi.health

Hi.health: Simplifying health insurance reimbursements with digital wallets, smart cards, and automated claims processing

Founded: 2019
Subsectors: Life/Health Insurance, Data/Intelligence, Infrastructure/Back‑end
Regions of Operations: Global
Who does it serve: Private health insurers, policyholders, and digital health startups across Europe that need better reimbursement workflows. Also supports partner providers and pharmacies by streamlining the claims submission process and reducing administrative friction.
What it does: Delivers a fully digital reimbursement ecosystem combining mobile apps, integrated health wallets, and smart payment cards. The system simplifies how policyholders submit claims and track reimbursements while allowing insurers to automate claims validation and improve user experience.

Key features:

Seamless, card-enabled claims submission and processing.
Transparent view of covered services and reimbursement status.
Mobile user‑experience to streamline billing workflows for insured and carriers.

Majesco

Majesco: Modernising health and life insurance with scalable core platforms and cloud-native digital experiences

Founded: 1982
Subsectors: Life/Health Insurance, Auto, P&C, Data/Intelligence, Consumer Platforms, Embedded Insurance, Specialty Insurance
Regions of Operations: North America, EMEA, Latin America, APAC
Who does it serve: Insurers of all sizes, from Tier 1 global carriers to regional players, operating across health, life, property & casualty, and specialty lines. Supports carriers needing core modernisation, embedded insurance capabilities, and digital experience transformation across geographies.
What it does: Offers enterprise insurance platforms for policy administration, billing, and claims across all lines. Majesco also provides cloud-native digital experience layers and embedded insurance capabilities, helping insurers create scalable ecosystems and improve time to market for new health and life products.

Key features:

Scalable policy administration across health/life lines.
Cloud-native consumer engagement and embedded-insurance platforms.
Extensive global implementation footprint across regions.

Symfa

Symfa: Enhancing life and health insurers’ customer engagement with CRM, analytics, and digital self-service portals

Founded: 2008
Subsectors: Life/Health Insurance, Data/Intelligence, Commercial/Enterprise Insurance
Regions of Operations: North America, Europe, Australia
Who does it serve: Mid-to-large insurance companies across life and health lines that want to boost CRM performance, data-driven decisioning, and digital self-service offerings. Also serves regional carriers aiming to modernise customer engagement and integrate analytics into core workflows.
What it does: Develops industry-specific CRM and business intelligence solutions that give insurers insight into customer behaviour, underwriting trends, and operational performance. Their digital portals improve the customer journey while supporting key backend workflows in policy and claims.

Key features:

CRM for policyholder engagement and retention.
BI dashboards and analytics to drive underwriting and risk insights.
Digital client portals facilitating self-service and policy management.

Tietoevry

Tietoevry: Enabling health and life insurers to modernise core systems and deliver end-to-end digital experiences

Founded: 1968
Subsectors: Life/Health Insurance, Auto/P&C, Commercial/Enterprise Insurance, Consumer Platforms
Regions of Operations: Global
Who does it serve: Large financial and insurance institutions, particularly in the Nordics, EMEA, and APAC, that require core systems modernisation and full-scale digital transformation. Frequently partners with life and health insurers to tailor regional solutions for customer onboarding, claims, and compliance.
What it does: Provides consulting, custom development, and off-the-shelf insurance software for core systems including claims, policy admin, and digital front ends. Tietoevry helps insurers migrate to modern IT stacks, implement digital channels, and meet regional regulatory requirements efficiently.

Key features:

End‑to‑end digital transformation and core system implementation.
Custom platforms and consulting targeting health/life insurance workflows.
Broad global delivery capability across 20+ countries.

Ushur

Ushur: Automating health and life insurance customer service with AI chatbots and workflow orchestration

Founded: 2014
Subsectors: Life/Health Insurance, Data/Intelligence, Commercial/Enterprise Insurance, Auto/P&C
Regions of Operations: Global
Who does it serve: Insurers across life, health, P&C, and disability looking to improve customer engagement, automated claims processing and policy workflows, and reduce friction in service delivery. Particularly suited for carriers modernising call centres, intake processes, and customer support using conversational AI.
What it does: Offers a no-code/low-code platform for automating customer communications using AI-driven chatbots, document intake, and workflow orchestration. Ushur enables carriers to handle high-volume health-related service interactions while improving customer satisfaction and operational speed.

Key features:

AI chatbots and automation for claims/endorsement workflows.
Workflow orchestration tied into insurer back‑end systems.
Cross‑line coverage with an emphasis on health/life customer service automation.

The Future of Health Insurance Solutions in 2025 and Beyond

The health insurance landscape in 2025 is undergoing one of the most significant transformations in its history. From established global technology providers like Comarch to agile startups disrupting traditional processes, the 10 best health insurance solutions of 2025 share a common goal—making healthcare coverage faster, smarter, and more accessible for everyone.

Advancements in AI-driven underwriting, digital claims processing, real-time policy administration, and cloud-based infrastructure are no longer optional—they are becoming the industry standard. Insurers that embrace these innovations will not only improve operational efficiency but also deliver better customer experiences, reduce costs, and stay ahead in an increasingly competitive market.

As rising healthcare costs, demographic shifts, and regulatory demands continue to reshape the sector, adopting modern health insurance technologies will be key to long-term success. The companies featured in this list are setting the benchmark for what’s possible, proving that with the right tools and strategies, the future of health insurance can be more transparent, efficient, and patient-focused than ever before.