InCubis

Insurance core system software for carriers across P&C, Life, and Health

Core Administration Established 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

At a Glance

Founded: 1992
Headquarters: Rijeka, Croatia
Employees: 11-50
Funding: Bootstrapped

Category & Focus

Category: Core Administration
Subcategories: Policy Administration Claims Management Billing Management Document Management
Insurance Verticals: P&C Personal P&C Commercial Life & Annuity Health
Target Customers: Carriers