Digital Operating Layer Proposal for WPI
Presented by KraipTech Solutions for Western Pacific Insurance leadership consideration: Streamline insurance operations, improve customer intake, and give your executive team complete operational visibility — working seamlessly around your existing InsuredHQ core system.
Protecting Your Core Investment: Working Around InsuredHQ
Western Pacific Insurance already relies on InsuredHQ for its core policy administration, claims lifecycle, accounts, and reporting. Replacing a core insurance ledger is costly, disruptive, and unnecessary.
KraipTech provides the digital operating layer around InsuredHQ: a modern, engaging customer intake on the front, automated communication and payment rails in the middle, and offline branch resilience in the field.
Modern Website, Customer Portal, Multi-Step Quote Intake, FNOL Claims Submission, WhatsApp/SMS, Payment Reconciliation.
Policy Ledger, Underwriting Rule Sets, Claims Reserves & Settlements, Broker Commissions, General Ledger Accounts & Compliance.
The FACE → PAY → OFFLINE Framework
A realistic, high-impact digital roadmap structured to deliver immediate customer value before scaling into payment rails and branch field applications.
FACE
Complete web portal, 14 products, 4-step quote wizard, FNOL intake, customer portal & underwriter desk.
Modern digital presence, instant self-service, multi-step risk wizards, and First Notice of Loss (FNOL) claims intake.
PAY
BSP Pay, Kina Bank EFT/IPG, Digicel CellMoni, auto-reconciliation engine & WhatsApp Cloud API.
Digital payment gateway integration, automated bank reconciliation, receipts, and WhatsApp Business notifications.
OFFLINE
Native Flutter Android app, encrypted SQLite store, store-and-forward sync & branch fleet management.
Native mobile application for branch assessors and inspectors operating where telecommunications are unstable.
12 Tailored Insurance Operations Modules
Every facet of WPI’s client relationship, quote management, and claims intake handled within a connected digital layer.
Customer Management
Unified 360-degree profile for personal policyholders and corporate accounts with TPIN tracking, policy histories, and multi-branch relations.
Quote Management
Multi-step digital intake wizard with product-specific dynamic risk questionnaires, automated risk scoring, and proposal generation.
Underwriting Workflow
Dedicated underwriter workbench for rating, risk referrals, endorsement clauses, survey reviews, and binding authorizations.
Policy Management
Synchronized view of active, pending, and expired schedules directly interfacing with WPI's core InsuredHQ administration platform.
Claims Management (FNOL)
First Notice of Loss intake, workshop estimate reviews, surveyor assignments, and interactive status tracking for clients.
Document Management
Centralized digital vault for policy wordings, certificates of currency, KYC compliance IDs, police reports, and engineering surveys.
Customer Portal
Mobile-responsive self-service portal giving clients 24/7 access to schedules, certificates, claim milestones, and renewal notices.
Staff Operations Workbench
Role-tailored cockpits for intake officers, commercial underwriters, loss adjusters, and executive leadership.
Renewals Engine
Proactive retention pipeline segmenting policies into 30, 60, and 90-day expiry cohorts with automated invitation dispatches.
Reports & Analytics
Real-time operational business intelligence tracking gross written premium indications, claim loss ratios, and turnaround times.
WhatsApp & SMS Notifications
Omni-channel messaging delivering claim milestone updates and renewal notices with high delivery rates in Papua New Guinea.
API & InsuredHQ Integration
Bi-directional secure REST connector syncing clients, quotes, policies, and claims with InsuredHQ without core disruptions.
From Customer Enquiry to Settlement — One Digital Workflow
How information flows seamlessly between the client, KraipTech’s operating layer, and WPI’s core InsuredHQ platform.
End-to-End Enterprise Integration Architecture
Stage-Wise Investment Breakdown & Terms
Clear, transparent milestone-based pricing mapped directly to KraipTech’s published engineering rates and custom enterprise scopes. Western Pacific Insurance can commission stage-by-stage or as a complete operating transformation.
STAGE 1: FACE
Customer Portal, Quote Intake Wizard, FNOL Claims & Underwriter Desk
STAGE 2: PAY
BSP Pay IPG, Kina EFT, CellMoni, Auto-Reconciliation & WhatsApp Alerts
STAGE 3: OFFLINE
Flutter Mobile App, Local Encrypted SQLite & Background Delta Sync
COMPLETE SYSTEM
Full FACE + PAY + OFFLINE Digital Transformation
STAGE 1: FACE — Customer & Underwriting Operating Layer
Corporate web portal, 14 insurance lines, dynamic quote intake wizard, FNOL claims & operations workbench
| Module / Deliverable | Scope & Included Functionality | KraipTech Pricing Basis | Estimated (PGK) |
|---|---|---|---|
| 1.1 Corporate Insurance Web Portal | Responsive multi-device corporate web presence, 14 WPI product pages, branch network locator (Port Moresby, Lae, Mount Hagen, Kokopo), about WPI, FAQ, and local SEO structure. | KraipTech Corporate Web Catalog | K4,650 |
| 1.2 Dynamic Quote Wizard & FNOL Intake | 4-step dynamic questionnaire for personal & commercial risks, vehicle/property valuation capture, damage photo/police report uploads, automatic reference generation (WPI-Q-2026-XXXXX), and public reference tracking. |
Custom Insurance Intake Engine | K6,800 |
| 1.3 Customer Self-Service Portal | Secure authenticated customer dashboard (James Raga / Kumul Freight), active policy schedules, one-click Certificate of Currency generation, live claim milestone tracker, and renewal notices. | KraipTech Enterprise Portal Baseline | K8,500 |
| 1.4 Staff Operations Workbench | Multi-role operations cockpits (Admin, Senior Underwriter, Claims Officer, Operations Staff), risk referrals, premium rating, warranty endorsements, claim loss adjustment, 30/60/90-day renewals retention engine, and executive BI dashboards. | Custom Enterprise Operations Desk | K12,500 |
| 1.5 InsuredHQ Secure API Bridge Middleware | Bi-directional REST API middleware, non-intrusive staging buffer, one-click policy binding push into InsuredHQ policy master, transaction audit log, and live 42ms sync heartbeat monitor. | Custom Enterprise Middleware Adapter | K7,500 |
| Stage 1 Estimated Subtotal: | PGK 39,950 | ||
STAGE 2: PAY — Transaction Rails & Bank Reconciliation
BSP Pay IPG, Kina Bank EFT, Digicel CellMoni, automated reconciliation & WhatsApp notifications
| Module / Deliverable | Scope & Included Functionality | KraipTech Pricing Basis | Estimated (PGK) |
|---|---|---|---|
| 2.1 Dual Commercial Bank Payment Rails | Direct API integration with Bank South Pacific (BSP Pay IPG) and Kina Bank Internet Payment Gateway (EFT/card processing), secure redirect/callback processing, tokenization, and multi-rail failover. | KraipTech Published Dual Bank Catalog | K7,850 |
| 2.2 Digicel CellMoni Mobile Money Rail | Integration with Digicel CellMoni merchant gateway for USSD and mobile wallet premium payments, providing instant access for retail clients and provincial vehicle owners. | Mobile Money Gateway Adapter | K3,800 |
| 2.3 Automated Bank Settlement Reconciliation | Algorithmic matching of incoming settlement files against pending quote references and renewal invoices; automated exception flagging; eliminates unallocated deposits and manual teller receipt cross-checking. | Custom Financial Reconciliation Engine | K6,500 |
| 2.4 Electronic Tax Receipts & GL Posting | Automated generation of IRC-compliant PDF tax receipts dispatched via email/SMS, automatic journal posting into InsuredHQ accounts, and automated clearing of debtor accounts. | Ledger Posting & Receipt Engine | K4,200 |
| 2.5 WhatsApp Business Cloud API & SMS Fallback | Meta WhatsApp Business Cloud API setup, verified business profile, automated quote/policy milestone alerts, 30/60/90-day renewal notifications, and automated SMS fallback for low-coverage zones. | KraipTech WhatsApp Catalog + Pipelines | K3,850 |
| Stage 2 Estimated Subtotal: | PGK 26,200 | ||
STAGE 3: OFFLINE — Field Survey & Branch Resilience Application
Flutter Android tablet/mobile application, encrypted local SQLite database & background store-and-forward sync
| Module / Deliverable | Scope & Included Functionality | KraipTech Pricing Basis | Estimated (PGK) |
|---|---|---|---|
| 3.1 Flutter Tablet & Mobile Field Application | Native Android application optimized for field surveyors, risk engineers, and regional branch officers (Highlands Highway, maritime docks, mining sites); touch-friendly UI for tablets & phones. | KraipTech Enterprise Mobile Catalog | K28,000 |
| 3.2 Encrypted Local Database Architecture | On-device encrypted database (SQLite + SQLCipher AES-256) enabling complete offline operations: risk assessment questionnaires, vehicle damage photo capture, assessor notes, and inspection checklists with zero cellular connectivity. | Custom Encrypted Offline Data Store | K5,500 |
| 3.3 Store-and-Forward Background Delta Sync | Intelligent queue manager that automatically detects Wi-Fi or cellular reconnection (Digicel/Telikom), executes bi-directional delta synchronization, resolves data conflicts, and batches uploads to the central operating layer. | Delta Sync Middleware & Queue Manager | K6,800 |
| 3.4 Branch Device Fleet & Auditor Dashboard | Central administrative console for WPI IT leadership to track field device health, sync queues, app versions, remote session revocation, and surveyor audit trails across all regional branches. | Fleet & Compliance Cockpit | K3,200 |
| Stage 3 Estimated Subtotal: | PGK 43,500 | ||
Milestone Payment Schedule
Milestone invoicing protects both Western Pacific Insurance and the engineering team throughout delivery. Every milestone requires written client acceptance before invoicing.
Hosting & Maintenance Options
Billed monthly in advance per KraipTech’s published commercial framework:
Third-Party & Direct Pass-Through Items
In accordance with KraipTech policy, the following third-party operational expenses are paid directly to providers or billed at direct pass-through cost:
- • Bank Merchant Facilities: BSP Pay & Kina Bank merchant setup & per-transaction discount rates.
- • Messaging Gateways: Meta WhatsApp Cloud API conversations & Digicel/Telikom SMS gateway credits.
- • App Store Licensing (Stage 3): Apple Developer (\$99/year) & Google Play Console (\$25 one-time).
- • InsuredHQ Core: Existing WPI software license remains unchanged (no core fees from KraipTech).
Commercial Note: All figures are quoted in Papua New Guinea Kina (PGK) excluding GST. Pricing is based on KraipTech’s published 2026 enterprise commercial framework and may be refined following formal discovery workshops and confirmation of WPI's specific InsuredHQ API endpoints and bank merchant facility agreements.
Discuss Your Insurance Digital Solution
KraipTech Solutions is ready to collaborate with Western Pacific Insurance directors and executive leadership to implement Phase 1.