Transforming Group Health Insurance Quoting with Real-Time Data Automation

Customer, Industry, Product, Use Case

Customer: Acko General Insurance
Industry: Digital Insurance / InsurTech
Product: Tartan HyperSync - Unified API Layer
Primary Use Case: Secure, real-time access to employee and dependent data to automate group health insurance (GHI) quoting and pricing

Executive Summary

For Acko’s Group Health Insurance (GHI) offering, generating accurate quotes depended on having reliable employee rosters, dependent information, and salary profiles - data that historically came through manual channels such as spreadsheets and email exchanges. This manual workflow introduced delays, errors, and significant compliance risk.

To address these challenges at scale, Acko integrated Tartan’s HyperSync unified API layer, enabling secure, consent-backed, real-time data access from client HR systems. This shift allowed Acko to automate critical data collection, eliminate manual reconciliation, and improve both speed and accuracy of quote generation.

By moving to a programmatic, API-driven data foundation, Acko achieved:

• ~45% reduction in quote turnaround times, meaning faster pricing delivery and improved sales velocity

• ~25% increase in per-account value through more accurate and personalized salary-based top-ups

• ~90% reduction in compliance risk, thanks to consent-based secure data access

In short, Acko didn’t just speed up a process - it made its insurance quoting infrastructure more accurate, secure, and defensible at scale.

The Strategic Challenge: Manual Data Processes Became a Growth Constraint

At scale, a digital insurer is only as strong as its data reliability and execution velocity. Prior to Tartan, Acko faced multiple structural issues in delivering timely and accurate group health insurance quotes:

• Spreadsheets and Email Dependence: Employee rosters, dependent lists, and salary details were shared manually, often with incomplete records or errors embedded right at the source.

• Delays and Operational Latency: Manual data collection created multi-day lags in quote creation - a drag on conversion when corporate buyers expected near-instant pricing.

• Compliance Exposure: Sensitive personally identifiable information (PII) was transmitted without robust privacy controls, creating risk in regulated environments where data governance is critical.

• Fragmented Source Systems: Each corporate client’s HR system presented unique schemas and data quality challenges, requiring bespoke reconciliation for reliable pricing.

Insight: When critical underwriting inputs are collected through non-standardized, manual channels, the insurer becomes vulnerable not only to delays but to mistakes that can affect pricing integrity, regulatory compliance, and customer trust. Automation isn’t optional - it’s a strategic requirement for growth.

The Solution: One Unified API for Programmatic Data Access

To solve these challenges holistically, Acko adopted Tartan HyperSync’s unified API layer. Rather than depending on manual handoffs, Acko began pulling verified employee and dependent data directly from corporate HR systems.

Key aspects of the solution:

• Secure, consent-backed access to HR data at the individual level, reducing risk and strengthening privacy controls.

• Real-time data access that allows Acko to generate quotes within hours instead of days or weeks.

• Partial sync logic, ensuring only opted-in, relevant employee records are retrieved - reducing noise and protecting sensitive information.

• Programmatic retrieval and normalization of diverse HR schemas, enabling consistent inputs for pricing engines without manual reconciliation.

Instead of reconciling spreadsheets, Acko now runs quote pipelines where HR data is ingested, verified, and normalized on demand. This greatly reduced operational overhead and error rates in critical underwriting workflows.

Strategic Insight: Unifying data access at the API layer turns disparate systems and manual workflows into a reliable, governed foundation for core business functions like pricing, risk assessment, and customer engagement.

Operational Impact: Faster, Safer Quoting Workflows

With HyperSync integrated into its quote generation process:

• Acko reduced quote turnaround times by ~45%, enabling faster conversion and improving enterprise competitiveness.

• Salary-based top-up personalization became more accurate and data-driven, resulting in a ~25% increase in account value per policy.

• Compliance risk dropped by ~90% as sensitive HR data was accessed through secure, consent-authorized APIs rather than unencrypted spreadsheets.

Operations teams that once managed manual extract-transform-load (ETL) workflows shifted focus toward analytics, pricing strategy optimization, and customer experience improvements - a win both for efficiency and strategic capacity.

Insight: When manual pipelines are replaced with real-time integrations, operational predictability increases and teams can redirect effort from remediation to value creation.

Business Impact: Better Experience, Higher Productivity, Lower Risk

The combined operational and technical enhancements enabled business outcomes that matter to leadership:

• Improved customer experience, with faster, more predictable quote delivery times

• Stronger commercial outcomes, as personalized pricing increases policy value and competitiveness

• Reduced regulatory risk, with consent-aligned data access and secure APIs

• Engineering leverage, as standardized integration reduces custom work per client

By re-architecting data flows as a core business capability rather than an operational afterthought, Acko converted what was once a structural constraint into a durable competitive advantage.

Real-time, governed access to employee data now underpins faster go-to-market execution while simultaneously strengthening compliance, auditability, and pricing integrity. 

This shift allows leadership to scale distribution and enterprise partnerships with confidence, knowing that growth does not introduce disproportionate operational or regulatory risk.

Executive insight: Speed and reliability are often treated as trade-offs. In reality, they are interdependent. Speed without reliability compounds risk and erodes trust; reliability without speed limits growth and market relevance. Acko’s investment collapsed this false choice, enabling faster execution because the underlying data infrastructure became more dependable. That combination is what separates digitally mature insurers from those merely moving faster.

Customer Perspective

“Tartan eliminated the guesswork from quoting. We now deliver accurate quotes, faster and safer than ever before.”
- VP, Group Health Insurance, Acko

This sentiment reflects not just a technology outcome but business confidence - the ability to operate at scale with speed, precision, and control.

What This Enables Going Forward

With HyperSync now embedded into its data architecture, Acko is positioned to:

• Expand enterprise GHI sales with predictable delivery timelines

• Offer new products that depend on real-time, verified employee data

• Reduce underwriting risk and improve pricing accuracy with consistent data inputs

• Eliminate bespoke client integration work and accelerate time to revenue

Real-time data access becomes the backbone for future innovations - whether in dynamic pricing, embedded insurance, or deeper analytics - enabling Acko to stay ahead in a highly competitive digital insurance landscape.

About Tartan

Tartan provides unified API infrastructure that connects enterprise systems, enables real-time data synchronization and verification, and automates mission-critical workflows - reducing manual effort, improving data confidence, and accelerating business outcomes.