# InCubis > Insurance core system software for carriers across P&C, Life, and Health ## At a glance | Field | Value | | --- | --- | | Category | Core Administration | | Type | Solutions Provider | | Region | EMEA | | Headquarters | Rijeka, Croatia | | Founded | 1992 | | Stage | Established | | Employees | 11-50 | | Funding | Bootstrapped | ## Overview InCubis is a core administration software provider for insurance carriers, serving the P&C, Life, and Health segments from its base in Rijeka, Croatia. Founded in 1992, the company focuses exclusively on the insurance sector and brings over 30 years of implementation experience to insurers across Central and Eastern Europe. The company develops CUBIS, a fully integrated insurance management system built on a service-oriented architecture (SOA) with an API-first design. CUBIS covers the full policy lifecycle -- from product definition and sales through policy administration, claims management, billing, and document handling -- with real-time data processing and configurable workflow automation. Additional platform offerings include CUBIS Catalyst, CUBIS Compose, and BizCUBIS, a financial management module for insurance operations. InCubis counts 35+ insurance carriers as clients, including UNIQA, Wiener osiguranje VIG, Triglav, Generali, Allianz, ERGO, Wustenrot, and Groupama. The company has completed 100+ implementations and more than 8,000 digitalized business processes. A partnership with Climatig, announced in 2024, adds climate risk assessment capabilities to the CUBIS sales process. ## Products & services ### CUBIS Core System An integrated insurance management platform covering the full policy lifecycle. CUBIS uses an API-first, service-oriented architecture that supports real-time data exchange with external systems. Modules include product definition, sales, policy administration, claims management, billing, document management, data analytics, and security and access control. **Key features:** - API\-first SOA architecture using the OpenAPI standard - Product definition and rapid launch tools for reducing time\-to\-market - Claims management with automation and workflow configuration - Integrated document management system \(DMS\) for file storage and collaboration - Data analytics with reporting tools and performance dashboards - Granular security and access control for regulatory compliance *Target users:* Insurance carriers \(P&C, Life, Health\) ### CUBIS Catalyst and CUBIS Compose Additional platform offerings that provide flexible deployment and modernization options for insurers with existing system investments. Supports selective modernization while preserving legacy business assets. *Target users:* Carriers undergoing core system modernization ### BizCUBIS Financial System A financial management module designed specifically for insurance company operations, addressing the accounting and financial reporting needs of carriers. *Target users:* Insurance carriers requiring integrated financial management ### Implementation and Consulting Services End-to-end implementation, customization, integration, and ongoing support services. InCubis specializes in guiding carriers through core system modernization, including assessment of which components to adapt versus replace. *Target users:* Insurance carriers implementing or modernizing core systems ## Category & focus - Subcategories: Policy Administration, Claims Management, Billing Management, Document Management - Insurance verticals: P&C Personal, P&C Commercial, Life & Annuity, Health - Target customers: Carriers ## Notable customers - UNIQA \(Austria/Serbia\) - Wiener osiguranje VIG \(Austria\) - Triglav osiguranje \(Slovenia\) - Generali - Allianz - ERGO - Wustenrot - Groupama - Camelia ## Links - Website: - Directory profile: - Blog: - About: - Careers: - Clients: - Linkedin: --- *Last updated: 2026\-06\-25*