An example of team neusta’s ‘refer-a-friend’ scheme for BARMA Health Insurance

Development of a referral program for BARMER

In mid-2024, the BARMER health insurance company introduced a flexible customer referral program developed by us. Customers and non-customers can receive non-cash rewards for referrals or use the cash-out option. The program impresses with its transparency, flexibility, and high performance.

Shortcuts to the project

For BARMER health insurance, referrals are a key sales channel. However, the previous solutions were inadequate: rewards were limited to cash bonuses and a few vouchers, while the referral website was inflexible and did not fully reflect BARMER's corporate identity (CI). In addition, there was a lack of transparency and control over data, and the performance of the old system left much to be desired. Our task was therefore to develop and successfully implement a customized, modern customer referral program (CRP).

Incentives for every referral

with 25.00 euros (equivalent to 2,500 points)

Individual rewards shop

with a selection of non-cash prizes and a cashout option

Automated cashout function

via finAPI, including IBAN validity check

APIs

to confirm recommendations and provide feedback on all transactions to BARMER

Comprehensive reporting

and manual administration functions for individual adjustments

Manual input options

for handwritten recommendation forms

Important aspect

An important aspect of the project was compliance with the strict legal requirements to which BARMER is subject as a health insurance company. In addition, a secure, automated cash payment process was developed that enables simple and secure payments via finAPI. An interface for BARMER employees allows them to independently generate referral codes and create participant accounts.

Flexibility and security

through a fully integrated platform at barmer.de, which strictly adheres to BARMER's corporate identity.

Automated processing

from referrals with direct points credited upon successful contract conclusion.

Various redemption options

in the individual rewards shop.

Secure cashout process

guarantees that everything runs smoothly.

Full data sovereignty

about all transactions.

Individual customization options

for various campaigns.

Multilingualism and accessibility

makes access easier for all users.

Strengthening market position and customer loyalty

With this innovative program, BARMER is strengthening its market position and offering both existing and potential policyholders a modern and flexible way to earn premiums through referrals. The KWK program helps to attract new customers in a targeted manner while promoting loyalty among existing customers by recognizing and rewarding their referrals.

About the referral program