To provide independent workers with a fast and simple way to take out basic disability insurance online, VSZ required a modern digital platform that could automate the entire application process. The solution needed to verify applicant data—including medical information, Chamber of Commerce registration and EU blacklist checks—calculate premiums in real time and give users instant access to their policy details. It also had to be intuitive enough to use without instruction, available 24/7 and capable of shifting routine administrative tasks from staff to the customer. And with market demand rising, the first version needed to be delivered within just twelve weeks. VSZ therefore sought a partner who could not only build quickly, but also help define the right product from the start.
Business Need: To provide independent workers with a fast and simple way to take out basic disability insurance online, VSZ required a modern digital platform that could automate the entire application process. The solution needed to verify applicant data—including medical information, Chamber of Commerce registration and EU blacklist checks—calculate premiums in real time and give users instant access to their policy details. It also had to be intuitive enough to use without instruction, available 24/7 and capable of shifting routine administrative tasks from staff to the customer. And with market demand rising, the first version needed to be delivered within just twelve weeks. VSZ therefore sought a partner who could not only build quickly, but also help define the right product from the start.
Solution: Ciphix developed a fully functional online insurance platform in only twelve weeks, using the Mendix low-code platform. Through collaborative design thinking sessions, VSZ and Ciphix first clarified exactly which features were essential, ensuring the solution matched real user needs before development began. This upfront alignment enabled rapid delivery without compromising quality. The resulting portal allows self-employed workers to calculate their premium, apply digitally and gain 24/7 insight into their insurance data. All checks and validations are performed automatically, and applicants receive email updates on their status. Once accepted, customers can manage simple tasks themselves—for example reporting sick leave or making small administrative changes. Payments are handled via Mangopay, ensuring a seamless experience end-to-end.
Results: The Tulpenfonds platform transformed a traditionally complex product into a simple and accessible digital experience. Launched within the demanding twelve-week timeline, it immediately resonated with self-employed workers who valued its speed, clarity and ease of use. For VSZ, the platform significantly reduced manual workload and accelerated the acceptance process, while Mendix’s flexibility allowed the solution to grow rapidly from an MVP into a mature digital insurance product. Tulpenfonds now serves as a reliable safety net for independent workers and a scalable foundation for future innovation. The collaboration between VSZ and Ciphix has since evolved into a long-term partnership built on speed, adaptability and a shared commitment to building the right solution every time.