Powering Insurance Forward

Enabling insurers to successfully change and adapt, in order to thrive through the transformations of our time.

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What We Offer

Transform your core with next generation, digital-led solutions designed to deliver enhanced, frictionless experiences, and increase efficiency, revenue and success.

SCIP is the first platform to integrate digital sales and an automated policy administration system. SCIP enables you to bring innovative insurance products to market quickly and easily.

  • Sell
  • Manage
  • Connect
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A digitally led, award-winning, end-to-end and modular Policy Administration System, supporting personal and commercial lines of business from acquisition, billing, claim and renewal.

  • Fast Time to Market
  • Open Architecture
  • Digitally Integrated
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A reinsurance software solution enabling insurers and reinsurers to handle all reinsurance activities on a single platform with full financial control and auditing support.

  • Improved Efficiency
  • Full Audit Trail
  • Reinsurance Analytics
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The structure of SCIP and the possibility for individualization make it possible to develop future software features together with other insurance companies, even across national borders. With SCIPSuite, we were able to become the ninth largest car insurance company in Switzerland within 5 years.

Dr. Patrick Eugster, CEO of Simpego Versicherungen AG

Sapiens has been the ideal partner to help us achieve the modernization goals we have set for ourselves,” said Tung Dang, CEO of OPES Insurance. “We look forward to improving our ability to scale in a timely and cost-efficient manner to deliver new products and services to our customers. We needed a cloud-based end-to-end solution to automate operations and digitize manual and paper-based processes, and I believe that Sapiens provides the best such solution.

Tung Dang, CEO of OPES Insurance

The application forms for our products can be easily created, edited and managed with SCIPSales. We can now respond much more quickly to touchpoints in the customer journey, making us more effective in the onboarding phase, across all distribution channels.

Walter Capellmann, CEO of DELA Lebensversicherungen Germany

Our Mission

Sapiens powers insurers to transform in speed and agility, enabling them to thrive through the transformational changes of our time.

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Modernization of Reinsurance Platforms: The Inevitable Transformation

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Europe’s automotive industry and the insurance sector.

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User Research for SCIP: Product development close to daily business

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Name changed to Sapiens Germany GmbH

“sum.cumo” becomes “Sapiens Germany” It’s been about three y...

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Dextra is the winner in online sales

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Guest article: Learning from the digital revolution of banks

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YES! to work-life balance: Most family-friendly employer 2022!

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Why pay a UX Writer?

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Office Pets


Who does sum.cumo work for?

The digital future of insurance and lottery companies Since its founding in 2010, sum.cumo...

Das Unternehmen

The digitalization engine for insurance and lottery companies

sum.cumo Sapiens stands for the successful, integrated digitalization of traditional busin...

Tree Shaking, an introduction

What is tree shaking and why is it important and useful? The term tree shaking comes from ...

To Content Hub

Global Reach & Local Footprint – We Are Hiring!

Do you think, feel and work digitally? You've just found the right place! We are looking for more great colleagues in almost all disciplines.

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