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What is the Comarch Insurance Claims software?

Intuitive interface and solution flexibility reducing time and costs of a claim handling process.

Comarch Insurance Claims is an innovative and comprehensive claims management software for life, health and non-life insurance companies. The system supports claim handling processes end-to-end: from registration and calculation through to decision making and benefit payment, accelerating the everyday work of claim adjusters. The system meets the most important requirements of companies operating on the rapidly growing insurance market.

insurance claims system

Key business advantages

Increase of competitive advantageSmooth information flow, automated processes and reduced costs
Automation of business processesAutomated internal and external settlements, along with calculation of benefits
Reduction of operating expensesShortening the time needed for claim handling
Decreasing claim ratioValidation rules supporting effective decision making and limit control

Claim processing areas

Claim handlingSmooth information flow, automated processes and reduced costs
Additional functionsAdvanced claims management and technical provisions
Claim settlementSupport for claim service accounting and financial operations
Claim documentation & reportingLetter generation, gathering claim documentation and operational reporting

Claim management

The Comarch Insurance Claims system covers the whole claim process – from registration through verification and decision-making, to the final decision and payment. Specific claim stages and functions are:

  • first notice of loss (FNOL)
  • full claim registration
  • claim verification
  • medical evaluation
  • claim payment calculation
  • claim decision registration

Additional functions

More advanced functions allow for:

  • revision process for annuities
  • appeals & complaints
  • court cases
  • recourses
  • reimbursements

Moreover, the claim system calculates technical provisions (reserves) related to:

  • claim payment:
    • provision for reported but not paid claims (RBNP)
    • provision for outstanding claims
  • direct loss adjustment costs:
    • provision for loss adjustment costs (RBNP).

Claim settlements

All liabilities arising from claim handling should be paid seamlessly. The Comarch Insurance Claims system allows for:

  • benefit, claim cost, and technical provision calculation
  • two-step payment acceptance
  • annuities payments
  • integration with accounting system
  • integration with home-banking system

Claim documentation & reporting

The system handles automatic and manual (on-demand) document generation, and supports other functions connected with documents and reports:

  • registration of incoming and outgoing documents
  • checklist management
  • generation and printing letters to customers:
    • referrals for medical examination
    • claim decisions
    • reminders
  • upload documents
  • analytical and operating reports

Claims management system

Comarch Insurance Claims supports all areas of claims handling. One of the main goals of our claims management software is to automate the full claim process, reducing its time and costs. The system supports insurance companies in gaining a competitive edge thanks to quick benefit payments, professional customer service, and easy configurations of claim processes.


Features of the Comarch Insurance Claims system are:

  • comprehensive claim handling software supporting all types of life, pension, health and non-life insurance products, all business lines, all communication channels
  • all kinds of claims and claim processes (simple/standard, long, with external adjuster etc.)
  • service-oriented architecture (SOA) of our claims management software facilitating integration with external systems
  • multilingualism and multicurrency in the claims management software
  • user-friendly graphical interface adjusted to the type of claims allowing efficient customer claim service and fast payment of benefits
Create one ecosystem for claims with front-office software!

Integrate Comarch Insurance Claims with Comarch Digital Insurance – a multi-channel system for front-office departments. Create one process for brokers, customers and claims adjusters end-to-end.

With Comarch systems, you will create a single environment in which claims will be reported by agents, brokers, call center operators, or directly by end customers, and then automatically sent to the system for claims handling. Allow all participants of the process to go through it smoothly and check the current status of the process. Additional documents required during the process will be delivered faster and easier.

Read more about Comarch Digital Insurance and the benefits it gives you.

Comarch Digital Insurance

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Comarch FSM – software and mobile app for claims adjustment

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