Membership and private policies together
The overview brings together the membership policy and private contracts present in the source data. The member can see which areas the contracts describe and where their scope differs.
Member insurance overview
The membership policy, in the whole insurance picture.
Give members their own overview, with their membership policy read alongside private contracts. They can see what the documents contain, with references to the terms. The organisation follows the group through aggregate statistics.
The member's overview is private. The organisation's statistics never show individual results.
Illustrative example
Member insurance overview
Two example documents. No real insurance contracts.
Reads the terms. Shows the connection.Difference in the source data
The same area. Different travel periods.
The example documents state 30 and 45 days respectively. This describes a difference in the terms. Other aspects of cover also need to be checked.
Follow it to the source
Example terms · Membership policy
§4.1 · Trip duration
Travel cover applies during the first 30 days of the trip. Other terms and limitations apply as set out in the contract.
Select a document above to read its example terms.
The member's own view · private result
What the member receives
The membership policy makes sense in context.
Knowing that a policy exists is not enough. The member needs to see what it covers and how it relates to their own contracts. Forsio makes the documents readable together, while leaving the next step to the member.
An explained difference, with its source
Differences, gaps and overlaps are explained against the terms. Source references let the member return to the document and check what the description is based on.
The member's overview, on the member's terms
The member joins with BankID or uploads their policy documents. Consent can be withdrawn at any time. The overview belongs to the member. The organisation's statistics show only the group.
The organisation's overview
The collective, never the person.
You see coverage levels, take-up and common gaps at group level. This informs your work on member benefits. The statistics do not open members' personal overviews.
The group view's privacy wall cannot be reconfigured. Individual member cases belong in the separate advisory workspace and require the person's consent.
Member cover
Example Association · ExampleAverage analysis score
68,2
Forsio participants as reference
Joined
68 of 400
of the membership
Possible overlaps
13 %
share with a flagged overlap
Possible coverage gap
Income
44% affected
Most common possible coverage gap
Income protection — a possible gap has been flagged for 44% of members in the analysis sample.
Take-up over time
Example
Take-up shows how many people have joined over time.
Score distribution
Analysis score by band
0–20
3
21–40
9
41–60
18
61–80
21
81–100
10
All figures are aggregated. No information about an individual member appears in this view.
The privacy wall
Four rules, built in.
01
Only members who have consented themselves are counted in the statistics.
02
Every figure is aggregated. Groups below the threshold are never shown.
03
Sensitive classes of insurance are never reported line by line.
04
The organisation's view holds nothing at individual level.
The output
The analysis examines your own benefit too.
Offering the policy through your organisation does not affect the analysis. The membership policy is read against its own terms and treated in the same way as the member's private contracts.
01
The analysis treats your benefit as it treats any contract
The engine reads the group policy's terms the same way it reads a private contract. It does not know that you have a relationship with the insurer behind it, and cannot take that relationship into account.
02
No editorial influence
You cannot adjust what the analysis flags, hide a flag or change how an outcome is worded. That holds for every customer, and it is why a member can trust what they see.
03
Scope and limitations become visible
The terms determine what can be described as covered, limited or unclear. If the membership policy has a limitation, it remains in the source data, just as it would for a private contract.
The model
One fixed fee per organisation.
Forsio charges a fixed fee per organisation. Never commission, never a share of what members take out afterwards, and never tied to what the analysis happens to show.
That is the same reason the output holds up: there is no mechanism through which an insurer, your own benefit insurer included, can pay to come out looking better.
Do you also handle individual member cases? The member advisory workspace can be used alongside this overview, with the person's consent.
Would you like to see how this looks for your members?
We show both the member's view and the organisation's aggregate view. You will hear from us within three working days.
Forsio is not an insurance intermediary and does not provide insurance advice.