Comprehensive insurance solutions at Oney in Malta


The aim of the Comarch Life & NonLife Insurance implementation at Oney Insurance (PCC) Limited was to automate and increase the efficiency of the insurer’s internal operations and cooperation with external companies that distribute Oney insurance products and handle claims in many European countries including Poland.



Oney Insurance (PCC) Limited, an insurance company belonging to Oney Bank



Project objective

Automating and streamlining the company’s internal operations and cooperation with external partners

Implemented solution

Comarch Life & Non-Life Insurance

Solution supplier


Project duration

Q1 2014 – Q1 2015

oney life and nonlife insurance

The client was after an off-the-shelf solution encompassing industry best practices for functionality and security. The solution had to be comprehensive – with data on all the partners, policies, premiums or operations stored within a single system – and flexible, allowing for the rapid development of new products as well as a solid, pay-per-use expansion of business and traffic volumes whenever necessary.

Piotr Konieczny
Project Manager at Comarch

Oney Insurance is focused on cooperation with large intermediaries, especially banks and distribution networks. In such a sales model, the key process is the exchange of large volumes of data. The implementation of Comarch Life & NonLife Insurance was to optimize and automate this process. In particular, we wished to significantly enhance our reporting capabilities and improve post-sales policy service by means of migrating a several million policy portfolio to a common database.

Robert Gauci
Chief Project Officer at Oney Insurance


The main challenges for Comarch to contend with revolved around integrating and exchanging data between Oney and its partners in a smooth and efficient manner, as well as migrating the data to a new system as fast as possible. The desired solution was also to operate in several countries and languages, meeting multinational needs and regulations. An important requirement was to have a Solvency II-compliant system on the first day of 2015, as imposed by the Malta Financial Services Authority.

In order to satisfy the project objective, it was necessary to adopt a go-live migration strategy in the shortest amount of time possible so that the live updates of insurance data circulating between the insurer and its partners could be re-synchronized with an absolute minimum of delay.


The solution allows Oney for further development both in terms of offered insurance products and business expansion to new markets, and simultaneous handling of life and property products in various European countries in one system. Apart from the product management application configurable for both life and property insurance, the system includes modules responsible for the policy, claim, settlement and business processing. These modules, if extended, will allow Oney to provide services not only as an insurer, but also a claim handler or policy administrator – or else to subcontract claim handling and policy administration to other entities within the Group.

life insurance at Oney

Oney logo

Starting this project, we were well aware of how much depended on it. We wanted our organization to grow fast in an increasingly regulated environment. The emergence of the Solvency II Directive meant that maintaining the highest possible level of data quality assumed a fundamental importance. Thus, data integration and synchronization with our partner organizations needed to be considerably tightened. We were after a multi-multi solution; that’s where Comarch stepped in.

Robert Gauci
Chief Project Officer at Oney Insurance

We have gained the insurance platform that will undoubtedly facilitate and accelerate our business development on new, yet unexplored markets with more partners in different countries. The solution provided by Comarch is distinguished by the possibility of its further customization according to the needs of our partners – we can combine various modules as needed and integrate them with what we already have, which greatly increases our competitive edge as an insurer.

Robert Gauci
Chief Project Officer at Oney Insurance

Comarch life insurance and Oney


Oney Insurance (PCC) Limited is an insurance company belonging to Oney Bank. Regulated by the Malta Financial Services Authority, Oney Insurance (PCC) Limited is authorized to carry on business of insurance and is regulated by the Malta Financial Services Authority. Created in 1983, Oney Bank is now present in 11 countries (France, Poland, Hungary, Italy, Spain, Portugal, Russia, Malta, China, Romania, Ukraine).

Comarch Life Insurance

The comprehensive system supporting individual and group life insurance. The solution allows efficient management of all parts of insurance business, including product definition, offer presentation, underwriting, policy operations, claim processing, fund management, billing and collection, technical provision and reserves calculation and reporting. Thanks to its modular structure and unique flexibility, it can be tailored to individual customer needs, including the individual life cycle of business processes and the specific nature of a particular insurance company. It allows the insurer to optimize and grow all aspects of life insurance in line with latest trends and changing markets requirements.

Comarch Non-Life Insurance

System dedicated to insurance companies providing property insurance and other types of personal insurance. The solution enables consistent and flexible management of all areas of an insurance company's operations. It is designed for front-office employees who contact customers directly (during offer presentation, policy processing, claims handling and debt collection) and for back-office departments such as finance, accounting, actuarial and reinsurance.

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