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The new network economy will coalesce around fewer ecosystems

Insurance is a prime digital network example, as it touches life, health, property, and travel. By 2025, many insurers will be engaging with cross-industry ecosystem providers and defining opportunities, beyond managing risk.

Incentives and Commissions

Maximize sales efficiency through comprehensive sales force management.


SAP S/4HANA Sales for incentive and commission management

SAP S/4HANA Insurance for collections and disbursements




Omnichannel Customer Service

Provide customers with the attention they expect through omnichannel customer service.


SAP Service Cloud

Sales Force Excellence

Enable sales teams to act faster and sell more effectively through collaborative sales force automation.


SAP Sales Cloud

Field Service Management

Support field service from every angle with optimized workforce scheduling and mobile apps.


SAP Field Service Management


Customer Experience Management

Manage yourcustomers' experience across the entire engagement cycle.


SAP Qualtrics Digital CX

Billing and Payments

Increase the efficiency and accuracy of billing and settlement processes with a single, integrated system.


SAP S/4HANA Insurance for Policy Management

SAP S/4HANA Insurance for Collections and Disbursements

Claim Lifecycle

Optimize the complete claim lifecycle with automated claim information management and processing.


SAP S/4HANA Insurance for Claims Management

SAP S/4HANA Insurance for Collections and Disbursements

Product and Policy Lifecycle

Enable collaborative product lifecycle design, creation, and direct processing of insurance contracts.


SAP Product and Quotation Management for Insurance

SAP S/4HANA Insurance for Policy Management

Quotation and Offer Management

Sell the right insurance products to the right customers faster using quotation and offer management.


SAP Product and Quotation Management for Insurance

Reinsurance Lifecycle

Manage the completere insurance lifecycle with a transparent view of operations.


SAP Reinsurance Management for SAP S/4HANA

SAP S/4HANA Insurance for Collections and Disbursements

Direct Material Plan and Forecast

Meet demand by adequately communicating material/product requirements over time.


SAP Fieldglass Services Procurement

Central Procurement

Increase the efficiency of central procurement organizations and manage  purchasing spend globally.



Buy and Deliver Services

Streamline how you find, source, and manage flexible  workers with external workforce management.


SAP Fieldglass Vendor Management System

Supplier and Risk Management

Reduce cost and increase saving opportunities and sourcing efficiency with supplier management.


SAP Ariba

Source and Contract

Reduce risk and cost through increased savings opportunities, sourcing efficiency, and contract and supplier compliance.



SAP Ariba Strategic Sourcing Suite

Invoice and Payables Management

Integrate management for invoice processing and accounts payables.



Procurement Analytics

Gain up-to-the-minute insights with real-time purchasing reporting and procurement analytics.


SAP Analytics Cloud


Indirect Goods Procurement

Improve operational efficiency and source determination for indirect materials.


SAP Ariba Buying and Invoicing


Supplier Collaboration

Find and collaborate with suppliers on opportunities and transactions, and strengthen relationships.


SAP Ariba





Automated and integrated payables management processes.



Profitability and Solvency

Accurate profitability and solvency control based on Industry-specific analysis and valuation.


SAP Business Planning and Consolidation

SAP Profitability and Performance Management

Financial Liabilities Management

Standardized and transparent accounting for insurance contracts both as financial instruments and service contracts.



Program Planning and Management

Optimize financial planning and analysis to control costs and execute organizational strategies.


SAP Business Planning and Consolidation

SAP Profitability and Performance Management

Treasury Management

Improve cash, back-office, and subledger accounting with efficient cash and investment administration.




Reduce the cost and effort of achieving fast, accurate, and compliant accounting and financial close.



SAP S/4HANA for financial products subledger

See how insurance companies are succeeding with SAP

Solve your specific insurance needs

Unlock business value with digital technology

Deliver innovative, customer-centric products and services by connecting new technologies with integrated business solutions to create an intelligent enterprise.

Create opportunities with digital transformation

Learn how you can take advantage of the digital economy by leveraging the IoT, adopting processes for better operational agility, and pushing your levels of transparency.

Reimagine your insurance business model

Discover how you can unlock digital technology to achieve new levels of operational efficiency and better serve customers with the SAP Cloud for Insurance solution. 

SAP Road Map for Insurance

Explore our insurance industry road map to learn about the digital transformation activities that are underway, like augmenting human understanding with machine learning and AI, as well as the future direction of our insurance suite.

Current release highlights

  • Machine learning service ticket intelligence – categorization proposal 
  • Streamlined interface for creating new business applications for SAP Policy Management
  • Consistency check for reinsurance treaty calculation rules
  • SAP Fiori app enabling analysis of changes in insurance liabilities

Upcoming innovations

  • Claims management for insurance integration into SAP Commerce, financial services accelerator
  • Enhancement of SAP Fiori app to provide the first notice of loss
  • Improved data archiving and reduced data footprint in SAP Policy Management
  • Conversational voice interfaces and machine learning

Future plans

  • Integrate insurance-specific processes in SAP S/4HANA with SAP Insurance Sales Assistant
  • Continue innovating our portfolio by integrating machine learning, blockchain, and the IoT
  • Incorporate insurance-specific processes in SAP cloud solutions
  • Add an integration layer for SAP and partner-driven GRC applications and services on SAP Business Technology Platform

Transform your business with SAP Services and Support

Evolve your business with services and support from SAP – your trusted adviser for digital transformation strategy and execution.

Simplify and accelerate your digital transformation

Support critical business processes on your path to innovation and digital transformation with holistic, end-to-end services that reflect over 40 years of knowledge, experience, and innovation.

Transform your business with unparalleled service support

Close the gap between your digital transformation strategy and execution with innovation discovery, digital strategy, and business transformation services from a trusted adviser that knows SAP software best.

What are analysts saying about trends in insurance?

Uncover keys to success from insurance experts

Learn how you can overcome some of your greatest challenges today and in the future by becoming an interconnected company that can work effectively across functions and enable digital transformation.

Get the facts

30 %

reduction in time to market for new products by companies that institute formal lifecycle processes.

SAP Performance Benchmarking

23 %

higher revenue for organizations that use information to identify strategic and competitive advantages.

SAP Performance Benchmarking

45 %

increase in new customer revenue for companies that measure the effectiveness of sales and marketing.

SAP Performance Benchmarking

Exceed expectations with the latest IT innovations

Redefine the insurance business model

Give insurance customers and partners the simple, personalized products and services they expect using advanced analytics and data monetization.

Get the latest news and trends from experts

Toni Tomic
Global VP Insurance

360 degrees of experience management

See how SAP is making it easier for insurers to combine X-data and O-data and gain actionable insights at every step of the customer journey.

Volker Mohr
Chief Solution Manager

Driving transformation with cloud-based technology

Discover how the SAP S/4HANA for financial products subledger can keep insurers at the forefront of a rapidly changing landscape.

Mainak Patel
Sr. Principal, Industry Value Engineering

The Intelligent Enterprise for the insurance industry

Learn how digital engagement, protection services, and data-driven insights are key to making the shift from risk management to prediction and prevention.

Communities and Events

Join the SAP for Insurance Community

Visit our community to learn about innovations and trends in insurance through blogs, discussions, and events with fellow SAP customers and experts.

SAP Financial Services Live 2020

Join international insurance business leaders digitally to discover the power of SAP innovation in driving the intelligent financial services enterprise of the future. 

Manage your insurance business enterprise-wide

Explore our comprehensive solutions for all business processes across all industries to find the solutions you need to build a connected business.

Human Resources

Simplify HR processes and engage your workforce to drive better business results, empower your workforce, and develop your talent.


Bring together financial processes with automated, real-time analytics, and translate them into forward-looking business insight across the entire organization.


Take advantage of in-depth data analysis, predictions, and processing of complex events, and combine data from a variety of sources into one, integrated platform.

Database and Data Management

Leverage business applications that use the latest technology advancements – including the SAP HANA platform, cloud, mobile, and more.

Application Development and Integration

Deploy high-velocity, intelligent edge applications using business and technology services.

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