When you already checked the website and watch the Video Demo, you can contact with Comarch to collect more details about the software. Our expert can schedule a meeting to present a live Demo and answer to any questions. The standard pricing can be presented based on general requirements. The full information about the software, pricing and condition will be included in individual offer.
Front-office software is a solution dedicated mainly for front-office departments; it conducts business processes like insurance sales and service. A back-office solution is dedicated for all back-office operations, processes and support in finance, accounting, creating products and business rules (actuaries), sales network management, creating commission rules, calculating reserves (technical provision).
Next to front-office and back-office solutions, there are also front end and back end. Front end is only a part of any solution, which includes html forms, a visible user-friendly interface, everything that a user can see and interact with: buttons, menus, images, text, etc.
All front-end have to be integrated with some back end, which represents business logic and data storage – the „backstage” that enables processes triggered in the front end. Back end can be part of the same solution or front end can be integrated with some other solution.
Comarch Digital Insurance is a front-office solution, not just a front end. It is an application that can work independently. Comarch Digital Insurance can be used by the distributors, back-office employees responsible for client service, and end-clients.
Omnichannel is the ability to switch between sales channels while serving a client. This goes beyond just multi channels, where the provider delivers more than one channel for client support; multi channels are not interconnected (for example, the contact center is not linked with the client portal). The omnichannel approach offers a synchronization between all channels, which gives an advantage to your clients.
Comarch Digital Insurance supports omnichannel client services and guarantees a seamless transition between channels for consistent experience and satisfaction, so there is no need to re-enter data. The agent can start a new business process in Application for Distributors and send the offer to the client. The client opens the offer in the Client Portal and continues with the proposal to buy a policy. The reverse is also possible: the end client starts a quotation and the agent continues it after receiving a task/request from the client.
Yes, insurance brokers can be users of Comarch Digital Insurance. An insurance company can implement the software and make it available for partners like agents and brokers.
A brokerage company might also want to purchase the software independently, but in such case, an integration with insurance company systems is required to provide end-to-end processes, including premium quotation. In countries where market standards are already applied, like Belgium, Germany, Austria and Switzerland, the required integration will be included in the implementation project.
Comarch wants to solve you problems, so before we prepare the best offer for you, we want to understand your case to advise perfect solution. On the meetings and workshops we collect requirement and information. Formal RFI or RFP is also very useful, but some time not enough, so we can also ask additional questions. All to make sure, that we will answer to your needs with our software implementation.
The offer prepared by Comarch includes information:
The overall fees of Comarch Digital Insurance consists of:
To calculate the license price, we need to know:
Request more information at any time.
Yes, read more here
Yes. In addition to the cost of software license, implementation and maintenance, Comarch can also present an offer for cloud computing services. The software is provided in the PaaS model. Read more here
No, the software is offered in the PaaS model. The insurance company can pay separately for software licensing, implementation and maintenance, and selecting any cloud computing vendor to deploy the software in the cloud. All these services can be provided by Comarch. Read more
The standard implementation of Comarch Digital Insurance is between 6 and 9 months. This includes basic elements as well as customizations and the development of adjusted processes.
The project timeline is prepared individually for each implementation, taking into account the scope of the project, the availability of human resources and your time requirements.
The standard implementation of Comarch Digital Insurance is between 6 and 9 months. It is an out-of-the-box solution, but all insurers have their own specific insurance products and requirements.
The implementation period depends on the number of insurance products and covers that need to be implemented, the complexity of sales and service processes, the range of integrations and other customization elements.
In case of a large-scope implementation, Comarch divides the project into phases to deliver some parts quicker.
Please take into account that the implementation period depends also on the availability of your team – employees who take part in the analysis and acceptance tests.
Complementing front-office solution (Comarch Digital Insurance) with core solutions like Comarch Life/NonLife Insurance or Comarch Insurance Claims is a good idea, but it should be well-planned. We conduct the entire system transformation (replacement of the current IT architecture) in phases. The project may start with implementing Comarch Digital Insurance and moving on to core systems, or the other way around, depending on your needs.
In comparison to the Comarch Digital Insurance project, implementing core systems takes much more time. The project length depends on the scope of work, number of insurance products, risk, adjustments and integrations with external systems.
However, we can assume that the approximate time for implementation of one core system is more than 9 months. We expect to deliver the first release after that time, with the following releases within 3-4 months. The whole project should be finished after 2-4 releases, but there’s also a separate migration period.
Here’s a typical project plan:
Hence, it is apparent that the whole IT project (Comarch Digital Insurance + Comarch Life Insurance, without Claim solution or data migration) can take about 2 years.
The standard language version of Comarch Digital Insurance is English. Translation of the software content into another language can be done during implementation and it must be provided by insurance company. Comarch can only upload the translation provided by the insurance company. The software can support several language versions at the same time. The translation of the software content can be also modified by you in Business Administrator Application, which is a part of the Comarch Digital Insurance.
The standard language in the project is English. This pertains to: project management, insurance company input material, analytical documentation, analytical meetings, issue tracking system, issue/defect reporting, user documentation, system installation documentation, Comarch Digital Insurance software – user interface, training, training materials, reports.
Printouts can be made in the local language of the insurance company. The user interface of Comarch Digital Insurance can be translated by the insurance company to their native language.
The types and durations of standard training are presented in the table below. The number of training sessions will be specified in the offer.
| No. | Type of training | Duration* (in days) |
| 1 | Training before UAT for testers | 2 |
| 2 | Training before production roll-out of the software for users/user trainers | 2 |
| 3 | Training before UAT for administrators | 0,5 |
| 4 | Training before production run for administrators | 0,5 |
*Duration can depend on the scope of the implementation.
No. Comarch Digital Insurance is a front-office solution and should be integrated with the core (back-office) system for data exchange. Some data can be migrated to the new software (Comarch Digital Insurance). It is essential to agree on the scope of data (policies, settlements, clients, claims, users, sales network, dictionaries, etc.) that will be migrated or exchanged.
We consider each IT project individually and consult the best approach with the insurance company. In order to help you decide what kind of data should be stored and managed in Comarch Digital Insurance, Comarch has prepared a document with the proposed scope of how to organize the initial import / migration.
The size of data stored in Comarch Digital Insurance and the division of information between the front-office solution and the core system is up to the insurance company. However, Comarch can help you make this decision.
Launching a new insurance product with Comarch Digital Insurance requires the following:
To remove a product from Comarch Digital Insurance means to deactivate the product definition by setting its expiration date. What has to be stressed here is that the Business Administrator of Comarch Digital Insurance is able to change the existing product definition (its parameters and covers) in the Business Administrator App and activate a new (changed) version of the insurance product.
Yes, Comarch Digital Insurance guarantees multi-device support. Thanks to the Responsive Web Design (RWD), users can access the Distributor Portal (tablet and desktop) and the Client Portal (smartphone, tablet and desktop). The Portal for Business Administrators is available on the desktop only.
No, there is no offline mode.
Maintenance service time is provided in your local time. Comarch offers three levels of service (Bronze, Silver, Gold) at different support hours within the time zone of the insurer’s headquarters. Comarch can also offer 24/7 support; it is on demand only. Technical and commercial conditions are determined case-by-case. Moreover, we offer additional services like business days / working hours extension.
Here are the various types of releases:
It is not necessary to immediately implement a new Major or Minor version. However, it is worth noting that only within 5 years of the implementation any Major and Minor version is supported with standard costs for the insurance company (agreed in the Maintenance Agreement). If the insurance company does not upgrade the software version during 5 years after the implementation, the insurance company can be charged additional costs (higher fee) for the maintenance of the old software version.
What's more, the insurance company will receive software updates (maintenance releases, patch sets) according to the Service Level Agreement. The license is automatically extended to the newest delivered version of the software.
Yes, it is. The most important, already implemented GDPR requirements are: the right to rectification (Art. 16 GDPR), the right to be forgotten (Art. 17 GDPR), the right to restriction of processing (Art. 18 GDPR), the right to data portability (Art. 20 GDPR), the security of processing (Art. 32 GDPR).
Yes, it is. The most important, already implemented IDD requirements are: Product Information Document (PID), Conflicts of Interest and Assessing the Suitability & Appropriateness of Insurance-Based Investment Products (IBIPs).
Key Information Documents (KID) for Packaged Retail and Insurance-Based Investment Products (PRIIPS) are documents providing the insured person (client, prospect) with key information on the investment product that the client is interested in. KID applies only to life insurance protection products (savings products, investment insurance with funds, pension insurance). KID were implemented with the EU regulations, so they are required inside the European Union.
In the standard approach, Comarch Digital Insurance offers downloading KID as a static document in the .pdf format (one universal document for every insurance product), and this is enough in most cases.
Upon insurer’s request, Comarch Digital Insurance can generate KID as a dynamic document including calculation results, the fee amount, simulations.
No, there’s no chat functionality in Comarch Digital Insurance. However, it can be integrated with an external solution during implementation.
This functionality requires integration with an external platform that offers the digital (electronic) signature. We are experienced in integrations with electronic signature solutions thanks to our project with the external platform eSign Live, providing signatures via either eID or OTP (One Time Password) on a secure site.
This is a not standard functionality of Comarch Digital Insurance. However, it is possible upon the insurer’s request. There’s a possibility for integration with an external provider of the e-ID reader.
An issued policy can be printed or sent via e-mail. An integration with an email server is included in the standard project. Printouts are individually adjusted to the insurer’s needs.
For this, Comarch has a separate solution, Comarch AI Framework (CAIF) – a platform with a set of techniques and good practices, complemented by a team of scientists and engineers who deliver high-quality machine learning solutions to make better data-driven decisions and automate processes. This platform is used in Comarch software for different purpose, like sales forecast or e-mail classification. Read more here
In the standard approach, Comarch Digital Insurance is integrated with the Alfresco Document Management System (DMS). Upon the insurer’s request, it can be any other document management system that’s already used by the insurance company. Alfresco DMS is used to store external documents (uploading documents like e.g. Word or Excel files). It allows users to keep the change history, return to any previous version, and prevent conflicts when several users work in the same file.
Due to no standard API being established by law in most countries, we currently allow creating such a comparison engine only in Belgium, Germany, Austria and Switzerland (see also question: Brokerage firm). This is not a standard functionality of Comarch Digital Insurance.
The only ready integration in Comarch Digital Insurance is Document Management System – open source: ALFRESCO. Other possible integrations are:
Comarch Digital Insurance has a service-oriented architecture (SOA) that facilitates integration with external systems. SOA is a type of software design where services are provided for other elements by application components, through a communication protocol over a network.
In the standard approach, Comarch Digital Insurance does not offer an integration with any broker platform. All integrations with external systems are subject to individual insurer adjustments. Information necessary for such integration is: the range of data to be exchanged, the type of integration (web services, flat files, etc.), the frequency and amount of data, the number of sources, the insurer’s current architecture.
The approach to integration with existing systems is highly customer-dependent. It is subject to a detailed analysis at the beginning of each project.
Preferred methods of integration include (but are not limited to):
User information is usually exchanged through the LDAP protocol.
Comarch Digital Insurance has a service-oriented architecture (SOA) that facilitates integration with external systems. SOA is a type of software design where services are provided for other elements by application components, through a communication protocol over a network. The basic principles of a service-oriented architecture are independent of vendors, products and technologies.
We can integrate with more than one database. It depends on the insurer’s needs and the current IT architecture. What’s worth considering is whether it is really needed to integrate with old systems – maybe it is better to conduct an initial data import to the new software.
There are 3 levels of access security: user authentication, user authorization and data encryption.
Comarch Digital Insurance can integrate with Single Sign-On with Kerberos/SPNEGO.
Tell us about your business needs. We will find the perfect solution.