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Implemented solution: Comarch Digital Insurance for distribution

The partnership between Comarch and elipsLife is centred on Comarch Digital Insurance, a modern digital platform enabling the registration of offer requests received from brokers or via an integrated broker platform, as well as managing offers for new contracts, renewals, and contract updates for Accident and Health insurance products underwritten by elipsLife.

The primary goal was to augment the existing landscape by introducing a fully-fledged modern system for the distribution process, deeply interconnected with elipsLife’s existing workflows and infrastructure.

Comarch Digital Insurance was a cornerstone of elipsLife’s long-term digital transformation strategy, designed to maximise efficiency and satisfaction across the client journey while positioning elipsLife to enter the high-volume SME (Small & Medium-sized Enterprises) market in Switzerland.

The implementation followed a deliberate “mixed approach”. Rather than replacing the coresystem entirely, elipsLife pursued a modular redesign. Comarch Digital Insurance serves as the central engine for the quotation process, seamlessly integrated with Sobrado, the Swiss broker platform, for distribution, and BBTE for contract management. Claims handling remains on a modernised version of the existing core system, preserving stability and operational continuity.

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Project objectives: automated quoting for the Swiss SME market

Market Position - maintain and strengthen elipsLife’s standing as a specialised A&H insurer in Switzerland.
SME Market Entry - build the automation and digitalisation capabilities required to enter the SME market and handle the significantly increased business volume.
Partnership and Image - cement elipsLife’s reputation as a trusted, competent B2B2C partner for small, mid, and large-market companies.
Quality and Operations - drive operational excellence across every stage of collaboration with policyholders, companies, and distribution partners.

“Partnering with Comarch on Comarch Digital Insurance marks a key step in modernising how we serve brokers and clients in Switzerland. The real strength was the collaboration: two teams aligned, pragmatic, and committed to making it work. I’m proud of what we’ve built together.”
Patricia Mattle, CEO of elipsLife Switzerland
"Comarch took the time to truly understand our business and products, which made all the difference. Their delivery quality, responsiveness, and flexibility were consistently high throughout the program, and having the same team with us from day one meant we could handle changing requirements without missing a beat."
Sarah Jaeger, Head Strategy
"By leveraging our new automated quoting system, we have successfully expanded our reach into the SME market, empowering our sales partners with maximised speed and operational ease."
Dr. Dejan Perunski, Head Sales Switzerland

Project challenges: navigating technical and operational complexity

Integration Complexity
Connecting Comarch Digital Insurance with seven existing systems simultaneously required extensive coordination across multiple partners and technology stacks. It was one of the most technically demanding aspects of the programme.
Infrastructure Stability
elipsLife’s migration of its development environments to a new provider introduced periods of unavailability that affected delivery pace and required agile reprioritisation across the teams involved.
Capacity and Competing Priorities
Balancing project workload against ongoing insurance operations was a key challenge. Business analysis, UAT, and daily operations frequently competed for the same people, requiring disciplined planning and close collaboration across all parties.
Quality Under Time Pressure
Intensive delivery phases naturally increased the volume of defects and re-testing cycles. Managing this effectively required strong governance and a shared commitment to maintaining standards without compromising timelines.
Knowledge Continuity
Sustaining the relevant expertise across project phases required careful planning, as the deep system and integration knowledge built up during implementation was critical to maintaining momentum into subsequent phases.

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Results and benefits: from quote to contract on one platform

Tripling output while maintaining the existing team size - Comarch Digital Insurance enabled elipsLife to process three times as many offers and win double the number of contracts compared to the prior year with the current team structure.
A seamless process from quote to contract - For the first time, the entire journey from an initial offer request through to a signed contract runs through a single integrated platform, reducing manual handovers and improving data quality throughout.
One system for all business - All sales opportunities, whether new customers or renewals, are now managed centrally in Comarch Digital Insurance, giving elipsLife a consolidated and reliable view of its entire distribution pipeline.
Legacy risk removed - The replacement of a critical but outdated system component eliminated a longstanding operational vulnerability that had previously required ongoing workarounds.
Fully automated SME offers - For micro-sized businesses, Comarch Digital Insurance generates complete, ready-to-present offers instantly and without any human intervention. This level of straight-through processing is not yet standard in the Swiss B2B2C broker market, positioning elipsLife as the first mover in the industry.
Strong reception from brokers and the market - Brokers have responded positively to faster offer turnaround times and the direct connection to Switzerland’s leading insurance offer comparison platform for brokers, Sobrado.

elipsLife Switzerland

elipsLife Switzerland, based in Zurich, focuses on accident and health insurance for companies of all sizes, with a strategic emphasis on growing its presence in the SME segment through targeted investments in automation and digitalisation. elipsLife employers across Switzerland rely on elipsLife for mandatory and supplementary accident insurance, daily sickness benefit insurance, and complementary care management services, all delivered through the broker channel. With a clear focus on service quality, speed, and flexibility, elipsLife Switzerland positions itself as a specialised, agile alternative to the large traditional insurers in the Swiss market

Comarch

Founded in 1993 in Kraków, Poland, Comarch prides itself on being one of the leading software houses in Europe, with several thousand employees worldwide and thousands of successful projects carried out for the largest international brands.

With many years of experience in the industry, Comarch Financial Services, a business sector within the Comarch Capital Group, specialises in developing sophisticated software and IT systems for major financial institutions in banking, insurance, and capital markets.

Our expertise has gained worldwide recognition and a significant portfolio of clients among insurers, banks, mutual and Life funds, brokerage houses, and asset management companies in more than 30 countries

elipsLife Switzerland: Double the Contracts, Triple the Offers

Project dossier

Results at a glance