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About
Gestion sinistres et conformité assurance
HEALTH INSURANCE & MUTUAL INSURERS

Unify your systems,
secure your processes

Cegedim, CRM and DMS interconnection — intelligent fraud detection — automation of benefit, contribution and income protection calculations. A coherent view of your data to manage your mutual insurer with confidence.

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The challenges of mutual insurers today

Heterogeneous systems, manual processes and growing regulatory pressure that undermine your operational efficiency.

Your daily challenges

!

Data silos between systems

Cegedim, CRM, DMS, reference databases: your member, contract and benefit data live in siloed systems, generating inconsistencies and constant duplicate entries.

!

Fraud difficult to detect

Without automated data cross-referencing, anomalies in healthcare reimbursements, suspicious cumulations and fake profiles slip through the cracks.

!

Complex benefit calculations

Tiered contributions, out-of-pocket calculations, income protection guarantees, portability: business rules are complex and calculation errors are costly in terms of claims and reputation.

!

Manual accounting processes

Bank reconciliations, payments to healthcare providers, contribution accounting and technical provisions: too many manual steps slow down the accounting close.

Our support

Custom SaaS solutions and consultants embedded in your teams

Interconnection of all your systems

Cegedim connector, CRM integration, centralized DMS and unified reference data to create a single source of truth for your members and contracts.

Intelligent fraud detection

Configurable business rules engine, Machine Learning scoring and alert workflow to identify anomalies before they become costly.

Benefit & contribution automation

Contribution engine by tier, 100% Sante benefit settlement, integrated income protection and automated accounting reconciliation.

Guaranteed data quality

Master Data Management, cross-system consistency checks, intelligent deduplication and real-time Data Quality dashboards.

-65%
in errors on benefit calculations
3x
faster for the accounting close
+40%
of fraud detected upstream
Cegedim
Anti-Fraud
Benefits
Contributions
Provident Fund
Data Quality

Unify your mutual insurer information system

Free audit of your processes within 48 hours

Request a diagnostic →
Interoperability

Connect all your systems mutual insurer

We build the integration foundation that connects Cegedim, your CRM, your DMS and your reference databases to create a single source of truth for your members and contracts.

  • Cegedim Connector — bidirectional synchronization of Noémie flows, third-party payments and reimbursements in real time
  • CRM Integration — 360 member view with unified contract history, claims, complaints and communications
  • Centralized DMS — automatic attachment of supporting documents, certificates and correspondence to the member file
  • Unified reference data — guarantee tables, procedure nomenclatures (CCAM, NGAP), tariff grids synchronized across all systems
CegedimNoémie / TP Flows
CRMMembers / Contracts
GEDDocuments / OCR
▼ ▼ ▼
BiDev Integration HubAPI REST · ETL · Webhooks · Queue
▼ ▼ ▼
Reference DataCCAM / NGAP / Guarantees
AccountingBenefits / Contributions
ReportingDashboards
Fraud detection

Protect your mutual insurer with an anti-fraud intelligent process

Our detection engine automatically cross-references reimbursement data, member profiles and care histories to identify anomalies before they become costly.

  • Configurable business rules — detection of cumulative reimbursements, incompatible procedures, ceiling exceedances and invoice duplicates
  • ML Scoring — machine learning models that learn from historical fraud patterns and score each request in real time
  • Alerts and workflow — suspicious cases are automatically escalated to the control team with a risk score and items to investigate
  • Complete audit trail — traceability of every control decision to meet ACPR requirements and internal audits
1
Flow ingestion

Real-time collection of reimbursement requests

Auto
2
Business rule checks

Ceiling verification, duplicates, incompatible procedures

Auto
3
Machine Learning Scoring

Behavioral analysis and pattern detection

ML
4
Control team alert

Prioritized case with risk score and context

Alert
5
Decision & traceability

Approval, rejection or in-depth investigation — everything is traced

Audit
Accounting processes

Automate your calculations of benefits and contributions

We make your entire accounting chain reliable: from contribution calculations to provisioning, including benefit settlements and income protection, for faster and error-free closings.

  • Contribution engine — automatic calculation by tier, age group, plan type (individual/family/duo), with ANI portability management
  • Benefit settlement — out-of-pocket calculation, application of 100% Sante guarantees, zero remaining costs and supplementary coverage in an automated way
  • Integrated income protection — management of daily allowances, disability, incapacity and death benefits with mathematical provisions calculation
  • Automated reconciliations — bank reconciliation, provider payments and generation of accounting entries to your ERP
-65%
Calculation errors
Member complaints ↓
3x
Faster
Accounting close ↑
100%
Traceability
Audit-ready ✓
24/7
Real-time calculations
Up-to-date provisions ✓
Contributions Benefits Provident Fund Provisions ERP / General Ledger
Data quality

Guarantee the consistency of your data

With data spread across 5, 10, sometimes 15 different systems, inconsistencies pile up. Our Data Quality approach restores order and maintains reliability over time.

  • Master Data Management — a single member, contract and beneficiary reference that feeds all your systems in cascade
  • Consistency checks — automatic cross-system verifications with alerts in case of discrepancy (addresses, bank details, beneficiaries)
  • Intelligent deduplication — detection and merging of duplicate members using fuzzy matching algorithms (last name, first name, date of birth, NIR)
  • Data Quality dashboards — real-time tracking of completeness, freshness and accuracy indicators for your data
Before: fragmented data
Member A3 duplicates
Contract BDivergent bank details
Beneficiary COutdated address
⟱ Cleansing & unification ⟱
After: single reference
✓ 1 member record · 1 bank account · 1 address · Synchronized dataMaster Data Management — Single source of truth
-65%
in errors on calculations
of benefits
3x
faster for the
accounting close
+40%
of fraud detected
upstream
1 vue
unified 360 member view
across all systems
The systems we interconnect

Our expertise covers the entire technological ecosystem of mutual insurers and supplementary health organizations.

Cegedim

Cegedim

Noémie flows, third-party payments, reimbursements and healthcare provider management

Mutual Insurer CRM

Member relationship management, campaigns, complaints and omnichannel customer journey

GED / ECM

Digitization, OCR, automatic filing and regulatory archiving

Reference Data

CCAM and NGAP tables, nomenclatures, guarantee grids and contribution scales

ERP / Accounting

Accounting entries, technical provisions, reconciliations and Solvency II reporting

BI / Reporting

Claims dashboards, loss ratio, cancellation rate and sales management

Security / IAM

Identity management, SSO, role-based access control and GDPR compliance

IA / Agents

Member chatbot, automatic mail classification and settlement assistance

Concrete impact on your operations

Before/after comparison on key performance indicators of a mutual insurer.

Mutual insurers spend on average 30 to 40% of their operational costs on manual processing of benefits, contributions and regulatory compliance.

Concrete ROI for your business

Indicator
Before
With BiDev
Cross-system data consistency
Frequent discrepancies, manual corrections
Single reference, real-time synchronization
Fraud detection
Random checks, late detection
ML Scoring + business rules, proactive detection
Benefit calculation
Semi-manual, settlement errors
Automated, 100% Sante and remaining costs integrated
Accounting close
D+15 to D+20, laborious reconciliations
D+5, auto-generated entries
Decision-making reporting
Monthly manual reports
Real-time dashboards, automatic alerts

Does this sound like you?

If you check 3 of these 6 signals, it is time to act.

What our clients ask us

How do you connect Cegedim to our other systems?

We develop custom connectors via REST API and file processing (Noémie flows). Exchanges are bidirectional and real-time: reimbursements, rights updates and contract movements automatically propagate to your CRM, DMS and reference databases.

How does your anti-fraud process work?

The process combines two levels. First, a configurable business rules engine detects anomalies: duplicates, cumulative reimbursements, incompatible procedures according to the CCAM. Then, a Machine Learning model scores each request. At-risk cases are escalated through a dedicated workflow.

How do you automate contribution and benefit calculations?

We develop a rules engine that encodes your pricing grids, guarantee conditions and scales. For contributions: age brackets, schemes, ANI portability. For benefits: reimbursement bases, guarantee rates, caps and 100% Sante. Every calculation is traced and auditable.

Do you also handle income protection (daily allowances, disability, death)?

Yes. The income protection module covers daily allowance calculation, disability (categories 1/2/3, annuity), temporary incapacity and death benefits. Mathematical provisions are calculated automatically and integrated into accounting entries.

What is the typical deployment timeline?

A first pilot (Cegedim + CRM interconnection on a portfolio) is operational in 6 to 10 weeks. Full deployment — including anti-fraud, accounting automation and data quality — spans 4 to 8 months.

Ready to transform
your mutual insurer information system?

Free audit of your processes within 48 hours. Our experts analyze your needs and propose a tailored solution.

Contact us →