Insurance and healthcare players today face an imperative for transformation: simplifying claims management and improving operational efficiency. The sector is booming: in 2024, the global insurance market grew by 8.6%, bringing the total volume of premiums to €7 trillion. Against this backdrop of massive growth, traditional, fragmented and manual models no longer meet the expectations of policyholders, who demand instant reimbursements and total transparency.
As a leader in Banking-as-a-Service (BaaS), Treezor offers a new approach to compensation by integrating payments directly into the healthcare process. Our API-first, modular and secure platform automates financial flows and transforms insurance from a simple reimbursement service into a real driver of customer satisfaction.
Acceleration and Simplification of Payouts
The speed of reimbursement is the primary criterion for customer satisfaction. Treezor eliminates traditional processing times to offer a near-instantaneous payment experience.
Project challenges |
Treezor solutions |
Benefits for you |
| Slow compensation (claims or health reimbursements) |
Use of the API to issue transfers (standard, instant or bulk) or payment cards to policyholders. |
Accelerated reimbursements: funds are paid quickly, reducing the stress associated with advance payments. |
| Accounting and technical complexity |
Dedicated accounts, transfers or single-use cards with real-time information and enriched data to track transactions. |
Detailed flow management: facilitates transaction tracking by customer and accounting reconciliation. |
| Regulatory burden |
For unregulated players, use Treezor’s EME license and its AML/CFT services. |
Ability to operate regulated financial flows without having to obtain a license and by limiting AML/CFT responsibilities. |
Account digitization and advanced third-party payment (account management)
Treezor enables the creation of a true dedicated wallet experience, simplifying exchanges between insured parties, insurers and healthcare professionals.
Project challenges |
Treezor solutions |
Benefits for you |
| Dispersion of healthcare expenses |
Allocation of an IBAN/payment account for each insured person. |
Dedicated Health Wallet: centralization of reimbursements, isolation of the wellness budget and accurate tracking of healthcare expenses. |
| Complexity of third-party payments |
Creation of payment accounts for partners (practitioners, approved garages, tradespeople). |
Streamlining of direct flows: securing payment between the insurer and the service provider, reducing payment delays (float) and reminders. |
| Lack of operational transparency |
100%-API infrastructure enabling real-time synchronization of all financial transactions. |
Total visibility for the insurer on payment execution and significant reduction in matching errors. |
Transform insurance into a trusted everyday partner with Treezor
Relying on Treezor is a strategic choice for insurance companies that want to move away from the role of simple payers to become true partners in the financial protection of their customers:
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A differentiating customer experience: Transform friction points (payment delays, advance payments) into competitive advantages through immediate financial fluidity, regardless of the area of intervention (health, property and casualty, personal protection).
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Reduced costs and launch time: Launch your own financial services without having to obtain a license or develop a complete core banking infrastructure.
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Compliance and security: Data security and compliance (KYC/KYB, AML-CFT) are overseen by Treezor, a company regulated by the ACPR and supported by the Societe Generale group.
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New growth drivers: Embedded finance allows you to enhance your services and generate additional revenue related to payment flows (issuing fees, interchange fees).
Thanks to Treezor, insurance becomes a proactive financial services platform, supporting the financial security and peace of mind of its policyholders every day.
