ACCIDENT & HEALTH · TINUBU SKYE

One platform for accident and health, from submission to renewal.

With Tinubu Skye, configure A&H products, benefits, pricing and claims around the book you write - and change them without waiting for a release.
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What Makes A&H Hard

Six places where A&H operations slows down

The friction shows up in the working day rather than in the architecture diagram.

The first answer usually wins the business

SUBMISSION & INTAKE
Submissions arrive as PDFs, spreadsheets and email threads with fields missing. Brokers place with the carrier that comes back first, and chasing detail costs days.

    Time goes into correcting data

    UNDERWRITING
    Underwriters re-key and reconcile submission detail before they can look at the risk. The work is necessary and it is not underwriting.

      New products wait in the development queue

      PRODUCT & PRICING
      Growth is moving toward newer, more specialised covers. Each one competes for the same IT capacity as the rest of the business.

        Mid-term changes touch several systems

        POLICY ADMINISTRATION
        Endorsements, member movements and benefit changes get re-entered in more than one place, and the record drifts apart.

          Each channel tends to need its own build

          DISTRIBUTION
          Broker, direct, embedded and partner channels want different journeys over the same product, and each one becomes a separate project.

            Medical claims arrive as documents

            CLAIMS
            Forms, invoices and clinical notes have to be read, checked against cover and settled at volume, while medical costs keep moving.
              WHAT YOUR TEAM CONTROLS

              Change the product without waiting for a release

              A&H product managers and underwriters define the plans, benefits and rules they need. Skye configures them in the same governed environment in which the application runs, with Tinubu experts validating deployments before production.
              What you change

              • Plans, benefit structures, limits and sublimits

              • Coverage rules, exclusions and eligibility criteria

              • Layered pricing by medical cost and risk factor
              • Referral triggers and authority limits
              • Quote, policy and certificate documents

              • Broker, direct and partner portal journeys

              • Tax, language and currency by market

              • Plan and coverage builder

                Product teams define plans, benefit structures, exclusions and templates from pre-configured components.

              • Pricing and Excel raters

                Layered pricing by medical cost and risk factor, per product and per market. Existing Excel raters are supported, with versioning and API access.

              • Multi-market configuration

                Tax, localisation and market-specific policy variations, without a separate build for each country.

              • One platform from configuration to production

                Configured in the same governed platform it runs in - validated before promotion, with no second codebase to maintain.

              The A&H Lifecycle

              Six stages, configured and connected

              Tinubu Skye connects six stages of the A&H lifecycle, from product development through renewal.

              1. Product development
                Plans, benefits, limits and coverage structures, configured by your product team from existing components.
              2. Distribution
                Broker, direct, embedded and partner channels running over the same product and the same rules.
              3. Underwriting
                Clearance, rating, multi-quote and referral, with medical and risk factors held in the rules. AI extracts and structures the submission pack before the underwriter picks it up.
              4. Issuance and administration
                Policies, benefits and certificates generated from the quote, then endorsements, member changes and cancellations against a versioned record.
              5. Claims
                Medical and accident claims from notification through assessment to settlement, with cover and claims history already on the file.
              6. Renewal
                Rules-based renewal driven by claims experience and by how the risk has changed over the term.
              AI in practice

              An AI assistant that works on A&H files

              Underwriters and claims handlers can use it on a live file. Guardrails are set against your medical rules, benefit limits and eligibility criteria. Decisions stay with your underwriters.

              • Answers questions on a submission or claim in plain language

              • Cross-checks policy terms, medical data and claims history across sources

              • Reads medical documents, claims forms, invoices and handwritten notes
              • Runs within a governed environment designed for regulated health data
              • Applies guardrails based on your medical rules, benefit limits and eligibility criteria, while decisions stay with your underwriters
              Build, Adapt or Buy

              Three ways to get an A&H operation running

              Each has a case, and the right answer depends on how central A&H is to your book. Here is how we see the trade-offs.

              Build (In-House)
              General P&C platforms
              Tinubu Skye
              Time to value
              Build (In-House) The longest path, and the design is yours from the start. Timelines usually run in years and compete with other IT priorities.
              General P&C platforms Faster than building. A&H specifics are often handled with workarounds around a P&C-shaped core.
              Tinubu Skye Configured from A&H components already running in production, so products can go live in weeks.
              Cost & risk
              Build (In-House) Highest upfront cost, and you carry delivery and maintenance risk. Reasonable when the product itself is the differentiator.
              General P&C platforms Lower than building. Implementation cost stays significant, and the roadmap follows P&C priorities.
              Tinubu Skye Subscription model. Platform upgrades and the risk that comes with them sit with us.
              A&H fit
              Build (In-House) Fits exactly, because you designed it. Medical rules, benefit structures and eligibility logic are yours to build and maintain.
              General P&C platforms A&H sits alongside other lines. Benefit structures and medical rules tend to need custom work.
              Tinubu Skye Built around A&H plans, benefit structures, layered medical pricing and medical claims.
              Change after go-live
              Build (In-House) Changes go through your development queue, alongside everything else the business has asked for.
              General P&C platforms Configurable within the vendor’s model. Larger changes usually route back through the vendor.
              Tinubu Skye Product and underwriting teams change plans, rules and pricing themselves, validated before production.
              In Production

              A&H running end to end

              Built on Tinubu Skye, the same platform behind specialty deployments across the portfolio.

              GLOBAL SPECIALTY CARRIER

              From an Excel-based underwriting process to a connected A&H operation
              • Answers questions on a submission or claim in plain language
              • Cross-checks policy terms, medical data and claims history across sources
              • Reads medical documents, claims forms, invoices and handwritten notes
              • Runs on your choice of model, inside your regulated health-data environment
              • Applies guardrails based on your medical rules, benefit limits and eligibility criteria
              • Keeps decisions with your underwriters
              Business travel accident · Participant accident · Specialty covers
              24 hours  time to quote, reduced from five days
              $100M+ premium migrated onto the platform
              20K+ policies processed a day
              PROVEN DELIVERY

              A structured path from workshop to hypercare

              The governed delivery model behind Tinubu deployments — definition, configuration, rollout and post-launch support.

              Scope the programme

              INITIALIZE
              A&H specialists and Tinubu platform experts scope products, distribution, policy lifecycle and claims together.

                Iterate with live demos

                CONFIGURE
                Agile sprints with a working demo every two weeks, so plans, rules and journeys take shape in front of your team.

                  Deploy around your calendar

                  DEPLOY & TRAIN
                  Prioritised rollout aligned to your renewal cycle, with training for underwriters, operations and claims.

                    Stay embedded after go-live

                    HYPERCARE
                    A named customer success team stays embedded until your team is running on its own.

                      See A&H running end to end

                      See submission, underwriting, issuance, claims and renewal working together on Tinubu Skye

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