Designed to optimize internal financial management, our system addresses the needs of companies with Solidarity Health Funds, which require dual approval and third-party reporting; People or Human Resources departments, seeking metrics, traceability, and self-service for their employees; and organizations with distributed teams, aiming to standardize and streamline their reimbursement processes.
Frictionless Reimbursements for a Health Insurance
Digital transformation of health reimbursement flows for maritime workers
The Client
Montecon engaged us to design and implement—together with its People (HR) team—a solution for the health-reimbursement flow that's part of the Solidarity Health Fund coverage for its port & maritime workforce. Goals: let employees submit requests from any device, enable HR to run a first-pass validation with full traceability and metrics, and submit everything to the Fund in the exact format required for final approval and payroll credit.
The Challenge
The previous process lived across spreadsheets, emails, and inconsistent requirements. The People team had to verify benefit caps and per-medication caps, apply rules for primary vs. dependent, and keep the employee informed at every step. Montecon needed frictionless dual approval (HR → Solidarity Fund), end-to-end auditability, and a standardized data exchange with the Fund for consolidation and reconciliation.
The Solution
Tech stack used:
We built a responsive web platform that puts the People team at the center while simplifying the employee experience—and standardizes the health-reimbursement flow end to end.
- Guided submission by reimbursement type (medication, optics, dentistry, provider charges, etc.): date, invoice, line items, attachments.
- OCR on PDFs/images to pre-fill fields plus immediate validations (formats, required fields, consistency).
- Parametric rules & caps by benefit and per-medication; the final calculation updates balances when the Solidarity Fund approves.
- Dual approval: HR validates first (with standardized rejection reasons or 'Review' status); then the case is submitted to the Fund for final approval.
- Auto-notifications to the employee on status changes; payroll credit upon approval.
- HR metrics: cycle times, rejection reasons, mobile vs. desktop adoption, benefit consumption.
- Governance & traceability: action logs by user; optional SSO; master employee file synced via standardized upload.
- Data exchange with the Fund: generation of submission files and ingestion of responses in a corporate repository—no emails or loose attachments.
See it in action
Created for the future of finance.
Testimonials
"Our People team gained control and speed without losing the two-step check."
For employees the flow is clear and traceable; for the Solidarity Fund we submit and reconcile in a standardized, error-free way.
Key Differentiators
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HR-centric operations:
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Employee-first UX:
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Governance & scalability:
Next Steps
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Analytics on rejection reasons
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Early anomaly detection in submissions
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Incentive programs
Ready to see it in action?
Or do you have a specific challenge in your financial practice or institution?
Let’s talk