Forward-deployed

Products Marsh — BenefitsCircle & QoverPro

Marsh — BenefitsCircle & QoverPro

Voluntary employee benefits and embedded insurance, shipped for household names.

Role: Lead product manager · Company: Marsh · Timeline: November 2019 – November 2021

1. System context & business scale

I was lead product manager and roadmap owner for two Marsh platforms. BenefitsCircle delivers voluntary employee benefits, and it reaches 5M lives across the employer-employee network. QoverPro is Marsh’s embedded insurance platform. Together they powered programs for Ashok Leyland, Cleartrip, Bridgestone, and Shiprocket. I also led the Amazon DSP program, which ran on an in-house platform.

2. Architecture & integration topology

Marsh platform topology
Figure 1 — partner programs reach customers through QoverPro, and employers reach employees through BenefitsCircle. Three productised chatbot use-cases span both. The Amazon DSP program ran on an in-house platform.

I owned the platform stack and the UI/UX of BenefitsCircle’s customer-facing e-insurance website. QoverPro carried four of the partner programs:

  • Ashok Leyland
  • Cleartrip (EzCancel)
  • Shiprocket (Secure Shipment)
  • Bridgestone (BridgeCare)

The fifth, Amazon (Amazon DSP), ran on an in-house platform.

3. Key product & technical tradeoffs

  • Embedded cover vs. a standalone insurance site. QoverPro sells cover inside the partner’s own product, such as EzCancel in Cleartrip and Secure Shipment in Shiprocket. BenefitsCircle sells through a customer-facing e-insurance website.
  • One platform stack, many programs. Four large client programs ran on QoverPro, and Amazon DSP ran on an in-house platform.
  • Chatbots as product. I productised three chatbot use-cases across digital insurance affinity and voluntary benefits.

4. Execution scope

  • Lead product manager and roadmap owner for BenefitsCircle and QoverPro.
  • Product lead on the five partner programs above.
  • Client-facing tech propositions for embedded pet insurance, trip protection, renters insurance, EV charging station insurance, cyber insurance, and personal accident cover.
  • Selected into Marsh Asia’s first cohort of 30 Digital Influencers, helping define the region’s digital culture.

5. Impact & telemetry

  • BenefitsCircle reached 5M lives across the employer-employee network.
  • Four named partner programs live on QoverPro, plus the Amazon DSP program on an in-house platform.