Policy & property management

Comarch NonLife Insurance supports business processes related to individual product lines: 

  • vehicle insurance addressed both to individuals and businesses – fleet insurance 
  • personal and corporate property insurance covering, among others, real estate, movable property, builder’s risk insurance, electronic devices, machinery and equipment 
  • liability insurance (private and business) including policies for various professional groups 
  • transport insurance related to cargo, liability insurance for forwarding agents and road carriers in domestic and international transport 
  • health insurance for natural persons (individual and group) 
  • accident insurance related to vehicle insurance, travel insurance (individual and business), as well as legal protection insurance and all kinds of assistance policies
  • agricultural insurance related to the protection of farms, farming infrastructure, crops and livestock, as well as farmer’s third party liability insurance 
  • financial insurance including insurance guarantees, bank loan insurance, receivables insurance and other financial risk insurance. 

The system is equipped with a tool for process configuration to diversify the cycle of business processes for different types of insurance or loss.


Product management

Owing to its flexibility and parameterization abilities the Product Management module allows for:

  • defining new insurance products from the scratch or with the use of existing definitions (whole product definition or one level of the product definition, e.g. a marketing package, insurance or cover scope)
  • modifying existing ones
  • automated transfer of definitions from the test environment to the production one – product testing on real data supported

          → versioning of product life-cycle definitions – every element has its own status tracking and time period parameters (from, to)

          → all historic data are stored in the system and cannot be modified or deleted as they may be used by the portfolio of existing policies

This approach significantly reduces the time needed to implement a new product in Comarch NonLife Insurance system by the insurer without the system provider support.

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The Reinsurance module allows registration of reinsurance contracts, verification of coverage on contracts and claims, calculation of reinsurer’s shares and management of settlement with the reinsurer: 

  • creating a reinsurance program 
  • controlling reinsurance of a policy and/or claims during policy/claim registration
  • storing the information on reinsurance coverage for a contract and claim
  • defining reinsurance instalment settlement 
  • defining the scope of reinsurance contracts 
  • storing detailed data on settlement with reinsurance organizations
  • handling both methods of risk: proportional and not-proportional 
  • handling a variety of reinsurance contract types

          → contracts of proportional reinsurance types:
          → quota share contracts
          → surplus contracts

  • handling different forms of payables: 

          → obligatory contracts
          → facultative contracts
          → mixed contracts


Debt management

Comarch Debt Management is a comprehensive module for managing liabilities in the various stages of a recovery process:

Soft collection

  • planning phone contacts
  • sending reminders: SMS, emails and letters
  • automatic registration of operation costs
  • creation of installment schemes for payments
  • monitoring of debt payments
  • non-judicial arrangement proceedings
  • collateral management 
  • liability realignment
  • review of the state of collaterals and reserves
  • final termination of the contract.

Outsourced debt collection

  • transferring collection cases to external agencies or selling debts
  • obtaining information on the external agency proceedings 
  • sending information on debt repayments
  • calculating commissions for external agencies.

Legal proceeding

  • generation of required formal documents (request for payment, enforcement clause, enforceable title, lawsuit)
  • monitoring of upcoming deadlines
  • automatic assignment of the appropriate court
  • handling various court decisions.

Enforcement proceeding

  • automatic assignment of bailiffs according to the debtor’s address
  • support for a debt enforcement process
  • preparation of orders and documentation for bailiffs 
  • monitoring of deadlines 
  • support for communication with bailiffs 
  • handling various bailiff decisions


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