BMI Launches Digital Transformation Across Latin America with Cegedim’s Actisure Platform

BMI, the premier US-headquartered provider of Health and Life insurance across Latin America, has successfully launched Actisure as its new core Policy and Claims Administration platform. The system is now live in Costa Rica, anchoring a major milestone in BMI’s multi-phase digital transformation initiative. Completed within an efficient six-month implementation window, this initial phase establishes a scalable foundation for BMI’s regional expansion and serves as the cornerstone for a broader strategy to modernize insurance operations across the Latin American market.

In the competitive International Private Medical Insurance (iPMI) sector, capturing stakeholder attention requires a clear signal of technical maturity. For insurers operating in the historically fragmented Latin American market, standardized operations are no longer a luxury—they are a competitive necessity. By migrating to a unified digital infrastructure, BMI is harmonizing its service delivery, ensuring that policyholders receive consistent, high-calibre service while the organization maintains the agility needed to respond to local regulatory demands.

The scale of this transformation is reflected in the projected reach of the Actisure platform once the regional rollout is complete:

Standardizing on a single, highly configurable platform like Actisure allows BMI to move beyond basic administration to true product innovation. This approach ensures that the customer experience is enhanced through reliability and speed, providing a unified brand promise across the region.

In the health and life insurance sectors, core system modernization is directly linked to operational resilience. Transitioning to a digital-first foundation enables an insurer to absorb market volatility and scale operations without a proportional increase in overhead. The first phase of this implementation has delivered several critical capabilities to BMI:

• End-to-End Policy Lifecycle Management: Streamlined handling of Health and Life products from inception to renewal.
• Automated Claims Adjudication: Increased accuracy and speed through configurable rules and sophisticated claims accumulators.
• Integrated Workflow Management: Enhanced operational control through visibility into data and internal tasks.
• Accelerated Speed-to-Market: Flexible product configuration tools that allow for the rapid introduction of new offerings.

These features represent a transition from restrictive legacy environments to a modernized foundation that serves members, employers, and brokers more effectively. The deployment methodology utilized by BMI and Cegedim further serves as a risk-mitigation strategy, ensuring that technical updates improve rather than disrupt core business functions.

When modernizing a live insurance environment, the strategic choice of a phased rollout over a "big bang" migration is a matter of prudent risk management. This approach allows the organization to prove the technology in a lead market before expanding, minimizing the risk of service interruptions while realizing an early return on investment. The benefits of this phased methodology include:

• Business Continuity: A controlled transition from legacy systems ensures that daily operations remain stable.
• Early Value Realization: The organization benefits from the platform’s efficiencies in one market while other rollouts remain in progress.
• Continuous Improvement: Insights gained from the Costa Rica deployment are applied to optimize subsequent phases.
• Operational Risk Reduction: Perfecting the migration in a single market reduces the likelihood of systemic delivery failures.

By establishing reusable components and a proven implementation framework early, BMI can accelerate delivery timelines for the remaining five countries in the rollout plan.

"Actisure provides us with a modern, flexible platform that allows us to improve our current operations while building a strong foundation for future growth," said Esteban Chincilla, COO at BMI. "Our teams have responded very positively to the system and highly value its ease of use and versatility. The Cegedim Insurance Solutions team has been an excellent, strategic partner, working almost as an extension of our own team and playing a key role in the successful implementation."

"This successful and rapid delivery highlights what can be achieved through close partnership and a clear focus on outcomes," added James Stokoe, CEO at Cegedim Insurance Solutions. "Modernizing core insurance capabilities in a live PMI environment is inherently complex, but by deploying a rich, flexible platform, we have enabled the business to streamline operations, improve service to members and position itself strongly for the future."

This alignment between internal operational ease and external service improvement marks a significant step forward for BMI’s digital agenda as the company prepares for its next phases of growth.

About BMI Companies

BMI Companies is an international insurance group providing health, life and travel solutions to individuals, families and businesses across Latin America, the Caribbean and selected global markets. It combines regional expertise with digital innovation to deliver customer-focused products. Its ongoing transformation programme is focused on improving efficiency, enhancing customer experience and supporting scalable growth. For more information, visit: www.bmicos.com

About Cegedim Insurance Solutions

Cegedim Insurance Solutions is the international insurance division of Cegedim, supporting insurers, TPAs and brokers with digital transformation across health, life and travel markets. Through its Actisure platform, it enables organisations to modernise systems, automate operations and deliver seamless digital experiences via scalable, configurable solutions designed for multi-country environments. For more information, visit: www.cegedim-insurance.com

About Cegedim

Founded in 1969, Cegedim is an innovative technology and services group specializing in digital data flow management for healthcare ecosystems and B2B software. Cegedim employs nearly 6,500 people in more than 10 countries and generated revenue of over €649 million in 2025. Cegedim SA is listed in Paris (Euronext Growth: ALCGM). For more information, visit: www.cegedim.com