The insurance industry was once deemed reluctant to change due to its outdated, heavily regulated system.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.
The insurance industry itself is vast, including P&C insurance, health, car, life, etc. No matter which area, a software bug or system failure can potentially result in significant financial losses, damage to reputation, and even legal liabilities.
Insurance application testing is a critical step in the insurance software development process. Rigorous software testing ensures that the applications function as intended and meet the needs of customers. It also identifies vulnerabilities early in the development cycle, allowing insurers to address them before they become major issues.
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.
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.
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.
SAGA’s Challenges With Their Insurance Application Testing
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.
How SAGA solved the roadblock with Katalon Platform
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, companies 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 |
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Policy Admin |
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Claims |
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Underwriting |
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Product Life Cycle Management |
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Error Handling |
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Printing |
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Security |
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Document Management System |
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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 |
Premium in P&C insurance is defined by 2 factors: the frequency of claims and the severity of claims. There are many variables involved in premium calculation, and considering the vast possibilities of cases that may alter the final value of the premium, testers have a lot of work to take on.
Data-driven testing is essentially a technique that involves using data sets as input to test cases. The data sets are designed to cover a range of possible scenarios and test the application's ability to handle each one. Below is a quick step-by-step guide on how you can perform premium calculation testing:
The process is made easy thanks to Katalon’s support for data-driven testing using a variety of data sources, including Excel, CSV, XML, and databases. Test data can be loaded from these sources and passed to test scripts using data binding.
There are periods where the number of people accessing the system abnormally surges, leading to system crashes or instability. For example, during open enrollment, a large number of users will be accessing the system simultaneously to enroll in a new policy or make changes to an existing one. The application must be able to handle the increased traffic and still perform at an acceptable level.
Performance testing can simulate this increased traffic and help identify any bottlenecks or performance issues that need to be addressed before the actual peak period. With performance testing, insurance companies can also ensure that their applications are ready to handle the increased demand and provide a positive user experience for their customers.
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. No matter which approach you chose, you should integrate your test automation suite with the existing CI/CD pipeline to ensure that tests run smoothly as part of the software development process.
The insurance industry's culture is characterized by a strong focus on risk management, regulatory compliance, and customer service. Quality management acts as another strong pillar of the industry, ensuring that insurance companies provide a positive in-app experience for their end users.
Create a shared understanding of quality across the organization. Not just the QA team, but all members involved in the software development process should be aware of the expectations. Invest in a techstack that supports this culture, including automated testing, code reviews, and other quality assurance processes.
At the same time, encourage feedback from users to make customer-centric, data-driven decisions with a view to achieve continuous improvement. For the leaders, this means making a commitment, encouraging the continuous improvement mindset, and giving recognition to individuals who demonstrate it.
As a comprehensive software quality management platform, Katalon is the solution for P&C Insurance Software Companies wanting to upgrade their testing activities.
With Katalon Platform, testers can perform test planning, test authoring, organization, execution, and analysis, all in 1 single place, no additional installations needed. 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 efforts.
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.