Vitalis Group SA — Operations & Service Delivery Model

The operating model, the policy-administration and claims engine, the service-delivery model and the operational metrics underpinning the platform.

Vitalis Group SA Business PlanSection 11 › Operations & Service Delivery Model

Section 11 · Business Plan

Operations & Service Delivery Model

The operating model, the policy-administration and claims engine, the service-delivery model and the operational metrics underpinning the platform.

11.1 Operating Model Philosophy

The Vitalis operating model is engineered around four principles:
digital-first; outcome-aligned; data-driven; and continually improved.
Operations are organised into customer-aligned value streams —
onboarding, servicing, claims, retention, and complaints — each with
end-to-end ownership of an outcome metric.

11.2 Customer Onboarding

Customer onboarding is engineered for ten-minute quote-to-cover on
entry products and twenty-minute application-to-decision on advice-led
products. KYC, FICA and POPIA consent are completed digitally via
real-time integration with the Department of Home Affairs (DHA), credit
bureaux and biometric vendors. A small back-office team handles
exception cases.

Onboarding Stage Year-1 SLA Year-5 SLA Owner
Initial quote < 60 seconds < 30 seconds Customer experience team
Identity & FICA verification < 5 minutes < 2 minutes Onboarding operations
Underwriting decision (light) < 10 minutes < 5 minutes Underwriting team / engine
Underwriting decision (advice) < 48 hours < 24 hours Underwriting team
Policy issuance and welcome pack < 24 hours Real-time Operations team

11.3 Claims Management

Claims is the moment of truth for an insurance proposition. Vitalis
commits to a Claims Promise — straight-through processing for 70% of
motor claims and 60% of life claims by Year 3, and 85% / 75% by Year 5.
The claims operating model combines automated decisioning, specialist
assessor capacity for complex losses, and rigorous anti-fraud
controls.

Claims Metric Year-1 Year-2 Year-3 Year-5
Average time to decision (motor, days) 4.5 3.0 2.0 1.0
Average time to decision (life, days) 14 9 6 4
Straight-through-processing rate (motor) 35% 55% 70% 85%
Claims complaints ratio 2.8% 2.2% 1.5% 0.8%
Claims acceptance ratio (life) 93% 94% 95% 96%

11.4 Customer Service

Customer service operates on a tier-1 / tier-2 / specialist model.
Tier-1 inbound traffic is fully handled by digital channels and a
generative-AI assistant integrated into the mobile and web channels;
tier-2 escalates to human agents in a Cape Town and Johannesburg
dual-site contact centre; specialist enquiries (claims disputes, complex
retention, complaints) escalate to subject-matter teams.

11.5 Combined Ratio Management

The combined ratio is the headline measure of underwriting
profitability and is managed actively. The five-year trajectory is shown
below.

Figure 11.1
Figure 11.1: Combined Ratio Trajectory — Loss + Expense Ratios

11.6 Supplier and Partnership Management

A formal supplier-risk framework segments suppliers into Critical,
Significant and Operational tiers, with proportionate due diligence,
contracting, and performance review obligations. Reinsurance partners
are managed by the Chief Underwriting Officer; technology partners by
the CTO; banking and investment partners by the relevant business heads.
All material contracts include exit, business continuity, audit, and
data-protection clauses.

Confidential — this business plan is provided to prospective investors and lenders for evaluation purposes only and may not be reproduced or distributed without the written consent of Vitalis Group South Africa (Pty) Ltd.