The insurance industry was once deemed reluctant to change due to its outdated, heavily regulated system. However, the expectations for insurance software have changed. We are witnessing a digital transformation in the industry.
Insurance companies now improve customer experience and stay competitive through top-notch insurance software quality. The adoption of these new tech brings in the need for rigorous insurance application testing.
Let's dive in!
The insurance industry itself is vast, including:
No matter which area, a software bug or system failure can potentially result in significant financial losses, damage to reputation, and even legal liabilities.
That's why it's important to implement insurance application testing as a quality gatekeeper for the insurance software development process.
Automation testing further boosts the insurance software’s performance, reliability, and security. When app-breaking bugs are quickly found and resolved, your insurance software becomes more stable, gaining for itself a unique competitive edge in the marketplace.
📚 Resources: A Practical guide to Automation Testing
Many automation testing tools available on the market do streamline the testing effort. However, in reality, many teams struggle with the extensive configuration to connect those tools. This is why teams need software quality management platform, not just tools, for several reasons.
Adopting a software quality management platform is how insurance companies add another competitive edge to their services.
Here's an insightful webinar featuring QA leaders from SAGA and Katalon about how to do Software Quality for Insurance, which you may want to take a look:
SAGA, a UK-based insurance firm, has successfully transitioned into Agile, adopting software testing best practices, and tripled their testing capacity in a few months.
Serving over 2.7 million customers, SAGA must prioritize its software quality, performance, and security. In 2016, the company decided to migrate all of its operations, including internal and customer-facing systems, onto Guidewire.
That decision put SAGA’s testing team under immense pressure. The number of test cases skyrocketed, and this new Guidewire-based system calls for a new test strategy.
In addition, SAGA releases monthly for their 2 main products: car and home insurance. Realizing that this is not the best way to do insurance software testing, they chose a software quality management platform - Katalon - to boost efficiency.
Before adopting Katalon, SAGA could only manually test around 30 scenarios. After adopting Katalon, SAGA is able to run up to at least 100 scenarios per product, per development release. Not just that, Katalon gave SAGA a tailored P&C insurance testing experience:
The top-notch collaboration and scheduling capabilities of Katalon also play a major role in boosting SAGA’s test efficiency. Each testing cycle previously taking 2 days is now reduced to only 2 hours.
An insurance domain application consists of many subsystems, each performing a specific task. To achieve comprehensive quality, testers must check if these subsystems function well individually and as a unified entity.
An insurance application is built on a framework including components, data flows, and communication protocols. This framework facilitates the connection between individual modules in the application. Below is an example of a typical framework for an insurance app:
Let’s examine how each framework of a P&C insurance software should be tested.
|
Module |
What to be tested |
|
New Business |
|
|
Policy Admin |
|
|
Claims |
|
|
Underwriting |
|
|
Product Life Cycle Management |
|
|
Error Handling |
|
|
Printing |
|
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Security |
|
|
Document Management System |
|
|
Test Case |
Test Steps |
Expected Results |
|
User Registration |
Enter valid data in all mandatory fields and submit the form |
User account is created successfully |
|
Login Functionality |
Enter valid username and password and click on the login button |
User is logged in successfully |
|
Policy Creation |
Enter valid data in all mandatory fields and submit the form |
Policy is created successfully |
|
Policy Cancellation |
Select a policy to be canceled, enter reason and submit the form |
Policy is canceled successfully |
|
Policy Renewal |
Select a policy to be renewed, enter payment details and submit the form |
Policy is renewed successfully |
|
Endorsement Processing |
Select a policy, make changes and submit the endorsement form |
Endorsement is processed successfully |
|
Claim Submission |
Enter valid claim details and submit the form |
Claim is submitted successfully |
|
Claim Processing |
Select a claim, review the details and approve or reject the claim |
Claim is processed and status is updated accordingly |
|
Premium Calculation |
Enter policy details and verify the calculated premium amount |
Premium amount is calculated correctly |
|
User Roles |
Verify that different user roles have appropriate access and permissions |
User roles have correct access and permissions |
|
Data Validation |
Enter invalid data in mandatory fields and verify the error messages |
Error messages are displayed correctly |
|
Integration Testing |
Test the integration of the insurance application with external systems |
Integration with external systems is seamless |
|
Performance Testing |
Test the application performance under different load conditions |
Application performance is acceptable and stable |
|
Security Testing |
Test the application security measures to ensure data protection |
Application data is secure and protected |
|
Compatibility Testing |
Test the application compatibility with different browsers and devices |
Application is compatible with different browsers and devices |
|
Mobile App Testing |
Test the mobile app version of the application |
Mobile app version is functioning correctly with no major discrepancy in the visual aspects |
|
Localization Testing |
Test the application language support for different regions |
Application supports different languages and regions. No major layout impact when changing to other languages |
|
Reporting Functionality |
Verify that the application can generate reports for various aspects of the insurance process |
Reports are generated accurately with all of the fields required |
|
Document Management |
Test the application document management system for policy documents and other important files |
Documents are uploaded and managed correctly |
In Property & Casualty (P&C) insurance, premiums are influenced by claim frequency and severity, which depend on numerous variables, like driver age, location, vehicle type, past claims, and coverage options. The sheer volume of combinations makes manual testing impractical and error-prone.
Data-driven testing solves this by allowing testers to:
Systematically validate premium calculation logic across a wide matrix of real-world risk profiles.
Identify edge cases or inconsistencies in rating engines.
Ensure accuracy and reliability at scale.
Here's an example of the steps you need to use data-driven testing to run premium calculation tests:
List input variables: e.g. age, ZIP code, vehicle value, claim history, etc.
Create test datasets: Input values + expected premium output.
Bind data to test scripts: Each row becomes a unique test case.
Execute & verify: Compare actual vs. expected premiums.
Analyze discrepancies: Adjust logic or flag rating errors.
With Katalon, you can easily integrate Excel, CSV, XML, or database files as your data sources. Its data binding feature streamlines execution across hundreds of scenarios.
During high-demand periods such as open enrollment, insurance applications often face a dramatic spike in user activity. Thousands of users may try to enroll in new policies or update existing coverage at the same time. Without preparation, this surge can lead to:
This is where performance testing becomes essential. It simulates large volumes of traffic under controlled conditions, helping teams identify bottlenecks, latency issues, and resource limitations before they affect real users.
The policy administration system (PAS), claims management system (CMS), and the customer relationship management (CRM) system are among the most critical parts of an insurance software. Even if they work perfectly fine individually, bugs may still arise when they are integrated. Errors lie in the touchpoints between them, leading to data inconsistencies and operational inefficiencies.
For example, if a claims adjuster updates the claim status in the claims processing module but the billing module is not updated with the new information, the customer may receive an incorrect bill, causing confusion and frustration.The resources it takes to reverse these errors have bottom-line impacts. Integration testing verifies these interactions to ensure a smooth communication between modules.
Start by identifying which parts of the testing process to be automated.
Repetitive tasks, such as regression testing or performance testing, as well as tasks that require a large number of test cases, are great candidates. After that, organizations should start evaluating available automation testing tools and frameworks to determine which is best suited.
Approach this from the build vs buy perspective: ask yourself if you should invest in building an automation testing framework from scratch or buying an automation testing tool with pre-built features.
The insurance industry values risk management, compliance, and customer service. Quality management is equally critical to ensure a smooth digital experience.
To support this, build a shared culture of quality across all teams, not just QA. Invest in tools that enable automated testing, code reviews, and continuous integration. Encourage user feedback to guide customer-centric, data-driven improvements.
QA leaders should champion this mindset by committing to quality, promoting continuous improvement, and recognizing those who drive it forward.
As a comprehensive software testing solution, Katalon is the solution for P&C Insurance Software Companies wanting to upgrade their testing activities.
With one single workspace of Katalon, testers can perform:
You can effortlessly test insurance websites, mobile apps, APIs, and policy management platforms thanks to the low-code test creation capabilities. Team members with varied programming expertise can contribute to the testing effort.
Katalon also supports visual testing. Instead of spending hours manually reviewing screens and spot tiny visual bugs with our own eyes, testers can now leverage AI-driven visual testing to accurately detect visual changes that impact user experience.
Katalon speeds up testing with self-healing, data-driven testing, parallel testing, and test artifact sharing across multiple teams and product lines. The Platform also supports CI/CD pipeline integration for faster and more efficient deployment. After testing, you can export detailed reports, view analytics dashboard, and actionable insights to make timely data-driven decisions.
Katalon provides global customer support through various channels to help its customers through a ticket system. Customers can easily gain access to a large knowledge base at the Katalon Blog and product documentation.
At Katalon Community, you can find many quality professionals around the world discussing technical-related topics about testing on the Katalon Platform. Engagement level is high among community members, who are ready to offer support and provide answers to any questions you may have. Katalon has a dedicated Community team to regulate the forum, maintaining a healthy and collaborative culture.
Scale your business however you need thanks to Katalon’s flexible pricing and test as much or as little as your business requires. This means that you can test only a few critical features or scale up to test complex insurance systems with thousands of test cases without any restrictions. With Katalon, you will find the perfect custom pricing plan tailored to your business needs and stay ahead of the competition.