Helping payers optimize health care delivery and improve corporate results across all functions

To help healthcare payers health insurance companies navigate an increasingly complex environment, McKinsey brings an unparalleled depth of experience from decades of work in healthcare. We have led projects in a variety of topics and supported business performance and growth with our distinctive capabilities in operational and consumer excellence, digital, technology, analytics, and capability building. We help payers make the following moves:

  • grow across a broad spectrum of customer-facing dimensions, including customer experience, marketing, sales, and ecosystem strategy and implementation
  • develop and embed operational- and claims-excellence programs aimed at financial stability and medical-cost management, including payment integrity
  • create innovative population-health and care-management programs, including strategy, design, and implementation
  • build the skills necessary to implement improvement programs and to ensure sustainability and continuous capability building
  • set up for success and be able to realize new opportunities in increasingly digitized business models



with deep payer expertise in Europe


medical doctors

among our consultants with patient-care and research experience around the world, representing most major medical specialties



serving >30 public and private payers in Europe in the last 5 years

Featured capabilities

We invest heavily in developing proprietary tools, databases, and methods.

Financial diagnostic tool: Our proprietary tool provides a detailed and holistic view of financial health based on a few high-impact measures, with a quick and automated diagnosis that leverages standardized payer data.

360-degree diagnostic tool: Our diagnostic tool offers a detailed analysis framework for all steps of the private-health-insurance value chain.

Payer Academy program: We provide training and coaching, combining methodological competencies with industry knowledge, to help payers apply best practices for themselves.

Pulse survey: Our comprehensive measurement model helps in the understanding of drivers of customer experience, down to single interaction points.

Payer-transformation tool kit: Our tool kit captures our insights from supporting the industry’s largest transformations. It covers day-one checklists, tools, benchmarks, capability-building programs, and value-capture opportunities.

Examples of our work

Digital transformation

We helped develop a holistic digital strategy, including the analysis and optimization of processes, focused on customer needs, and use of data and analytics. This included digitization of customer journeys and internal processes, which led to an increase in efficiency of up to 30 percent. We helped create a digital ecosystem for partnerships with other global institutions; development and scaling of digital sales models, supported by a large fund for investment in and integration of start-ups; creation of a center of excellence for advanced analytics and implementation of related solutions; and comprehensive integration of digital services and healthcare services.

Closed-file review

We supported a private French health-insurance company in performing a closed-file review in its transformation journey, weaving in analytics as necessary. The result was an automatized process to identify 12 percent more leakages than before and a savings of €20 million annually on cost base.

Omnichannel transformation

A large German health-insurance organization embarked on a digital omnichannel transformation, expanding across all functions over time. We supported the organization in reinventing the way it serves customers and works with multiple providers to deliver superior quality while simultaneously improving efficiency. We worked hand in hand with the organization to shape the overall transformation, comanaging its delivery and building the capabilities it needed to make the change sustainable.

Holistic transformation

A large regional health-insurance organization struggled over years of financial distress. We helped the organization transform its way of working, improve processes, redesign the organizational operating model and train staff on new capabilities. This holistic transformation helped the organization significantly improve its financial situation and realize an impact of more than €200 million in annual savings. We also helped improve the organization’s quality of care by developing innovative care-management concepts for select conditions, such as chronic wounds, heart failure, and renal failure.

Featured insights


Best-in-class digital document processing: A payer perspective

– Despite the promise of digitization, paper forms will remain for many years. Payers that find a better way to handle both paper-based... and digital information will have a competitive advantage.

Automation at scale: The benefits for payers

– Process automation at scale is now feasible for most payers. When coupled with other next-generation digital tools, we estimate... that it may enable many payers to reduce operational costs by up to 30 percent within five years.

Digital health ecosystems: A payer perspective

– Creating or participating in a digital health ecosystem can allow payers to take advantage of their central position in the healthcare... landscape and expand in new directions.

Featured experts

Stefan Biesdorf
Partner, Munich
Serves clients from the healthcare sector on digital and technology-related projects as a member of McKinsey’s Digital and Analytics...
Harald Fanderl
Senior Partner, Munich
Helps companies in sectors such as insurance, banking, energy, automotive, and retail become more customer-centric and achieve...
Steffen Hehner
Senior Partner, Düsseldorf
Leverages background in immunology and long-standing experience in serving health systems and biopharma companies to help clients...
Nicolaus Henke
Senior Partner, London
Helps clients use artificial intelligence responsibly to enhance performance
Martin Huber
Senior Partner, Düsseldorf
Leads our Wealth & Asset Management work globally, helping financial-services companies make better strategic decisions and implement...
Christian Julius
Partner, Frankfurt
Leads strategy and corporate finance in healthcare in Europe, Africa, and the Middle East with a focus on growth and performance...
Boris Körs
Senior Partner, Munich
Serves clients across the healthcare, health-insurance, pharmaceutical, medtech-manufacturing, and logistics industries
Karl Liese
Senior Partner, Cologne
Specializes in multinational, holistic transformations at scale—including strategy, cost and income management, processes, organization,...
Manuela Martin
Partner, Berlin
Supports health-system payers and medical-technology companies, with a strong focus on advanced analytics
Manuel Möller
Partner, Frankfurt
Focuses on digital and analytics along the entire healthcare value chain

Connect with our Healthcare Systems & Services Practice