Unlocking Efficiency: Benefits of the Origo Messaging Standard

Author: Guy Shepherd

In the rapidly evolving landscape of the insurance industry, efficient and secure communication between stakeholders is more critical than ever. The Origo Messaging Standard has emerged as a powerful solution to streamline these interactions, particularly for insurance contracts.

What is Origo?

In essence an Origo message is just an XML document with domain-specific elements.  The message is passed between systems (and organisations) which understand the implicit meaning of each element and what to do with the associated data.  Company or product-specific elements can be added to the message, as long as the sender and receiver systems both have a common understanding of what they mean.

Example Message

So, what does an Origo message look like?  The example below illustrates what a simple Origo message might looks like. 

        <Street>123 Main Street</Street>
Example Elements

The table below details some of the common elements seen in basic Origo messages:

<Header>Contains metadata about the message, including a unique message ID, a timestamp, the type of message, and information about the sender and receiver.
<Body>Holds the actual content of the insurance contract.
<PolicyDetails>Includes information about the policy such as policy number, effective and expiry dates, and policy type.
<Policyholder>Contains the policyholder’s personal information, including name, date of birth, address, and contact details.
<Coverage>Lists the details of the coverage provided by the policy. Each <Coverage> element includes the type of coverage, the coverage amount, premium, and deductibles.


So, what are the benefits of adopting Origo in the insurance sector?

Enhanced Interoperability

Origo provides a standardised communication protocol that facilitates seamless interaction between different systems and organisations. By adopting a common language, insurers, brokers, and other parties can easily exchange information, reducing the friction caused by incompatible systems. This enhanced interoperability ensures that data flows smoothly and accurately, enhancing overall operational efficiency.

Improved Accuracy and Consistency

Insurance contracts involve complex and detailed information that must be accurately communicated to avoid costly errors. Origo standardises the data fields and formats, ensuring that all parties interpret and process the information consistently. This reduces the risk of misunderstandings and errors, which can lead to disputes and financial losses.

Faster Processing Times

The automation enabled by Origo allows for quicker processing of insurance contracts. With standardised messaging, data can be automatically validated, processed, and integrated into various systems without the need for manual intervention. This speeds up the entire contract lifecycle, from initial underwriting to claims processing, enhancing customer satisfaction through faster service delivery.

Cost Efficiency

By reducing the need for manual data entry and minimizing errors, OMF helps insurance companies save on operational costs. The efficiency gains translate into lower administrative expenses, allowing insurers to allocate resources more effectively. This cost efficiency can also be passed on to customers in the form of lower premiums.

Enhanced Security and Compliance

Data security and regulatory compliance are paramount in the insurance industry. Origo includes robust security features that protect sensitive information during transmission. Additionally, the standardized format makes it easier to comply with regulatory requirements, as data is consistently formatted and readily accessible for audits and reporting purposes.

Scalability and Future-Proofing

As the insurance industry continues to evolve, so too will the technological demands. Origo is designed to be scalable, allowing insurers to adapt to future changes and integrate new technologies with minimal disruption. This future-proofing ensures that investments in Origo will remain valuable over time, providing long-term benefits.

Using Origo with Mo.net

We have designed Mo.net to work out of the box with the Origo messaging format.  The Mo.net Quotations Service exposes dedicated endpoints for Origo messages.  Sending an appropriately constructed message allows a calculation or model hosted by the Mo.net Quotations Service to be called directly without using additional technologies to transform & validate the message.  Furthermore, the results from the model or calculation can be embedded back into the same or different message depending on the specific needs of the organisation. 

Several of our clients have also successfully integrated Mo.net and Origo with an Enterprise Service Bus (ESB), which allows multiple systems in addition to Mo.net to consume and enrich the data contained within the message as it flows around the bus.


Origo offers a host of advantages for managing insurance contracts, from enhanced interoperability and accuracy to faster processing times and improved cost efficiency. By adopting Origo in conjunction with Mo.net, insurance companies can streamline their operations, enhance security, and remain agile in a rapidly changing industry. As the need for efficient and secure communication continues to grow, Origo stands out as a crucial tool for achieving these goals.

Embracing Origo is not just a step towards modernisation; it is a strategic move to ensure long-term success and resilience in the competitive insurance market.

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