What BBT Software AG does

BBT Software AG is a Swiss vertical SaaS provider of core insurance back-office systems and corporate claims-management software, founded in 1996 and headquartered in Root D4 (canton of Lucerne), with additional development centers in Visp and Zermatt (canton of Valais). The company serves three primary Swiss insurance verticals through dedicated core systems: BBTIndividual for health insurers (KVG/VVG), BBTEnterprise for accident and daily allowance insurers (UVG/KTG), and BBTLife for life insurers (risk and unit-linked products). BBTIndividual alone is used by 17 Swiss health insurers and organizations daily, replacing legacy variants at sites such as SVK (live January 2024) and UVK Basel (live 2025).

The product portfolio runs on a multi-layered, service-oriented .NET architecture with stable APIs, and is complemented by the Sunetplus family — a claims and absence management system used by more than 14,000 Swiss companies that connects bidirectionally to all 20 major Swiss accident insurers. Adjacent modules include BBTPrenet (digital pre-recording of accident reports), BBTCare (case management), BBTClaims (insurer-licensed digital claims reporting), BBTBidi (bidirectional insurer communication), and BBTHosting, which is ISO/IEC 27001 certified and operates exclusively in Switzerland. The platform is designed with stable interfaces to permit future integration with AI solutions, though no AI capabilities are currently productized. Implementation methodology is agile with defined sprint cycles; the most recent public go-lives were completed in 9–15 months including data migration.

BBT generates revenue primarily through enterprise software licensing, recurring SaaS/cloud subscriptions (including the Sunetplus Cloud offering launched March 2025), professional services (implementation, data migration, customization), and ongoing technical support. Distribution is direct enterprise sales to Swiss insurers, supplemented by self-service download options for Sunetplus. The company is privately held as a wholly-owned subsidiary of Volaris Group (acquired 2017) and operates with approximately 60–65 employees. Operating geographies explicitly extend to Liechtenstein, the Netherlands, Belgium, and Germany, though Switzerland remains the dominant market. Pricing is quote-based and not publicly disclosed, with Sunetplus Cloud positioned for companies reporting more than 15 claims per year.

Name

BBT Software AG

Legal name

BBT Software AG

Website

https://bbtsoftware.ch

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

51–100 employees

Short description

BBT Software AG is a Swiss vertical-SaaS provider of core insurance back-office systems and corporate claims-management software, serving Swiss health, accident, daily-allowance, and life insurers with modular .NET-based products, plus a claims platform used by 14,000+ companies.

Ownership category

akta.pro rank

Product category

Insurance Software

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Carriers and Related Activities (524), Direct Life, Health, and Medical Insurance Carriers (52411), Direct Health and Medical Insurance Carriers (524114)

SIC

Accident & Health Insurance (6321), Life Insurance (6311), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Commercial General Liability (CGL) (FSAJADAA)

Keywords

• Insurance core systems
• Claims management software
• Absence management
• Health insurance software
• Accident insurance software

Headquarters

HQ city

Bern

HQ country

Switzerland

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Infrastructure, Operations, Marketing or Sales

Revenue model

1. Software Licensing: Core system software licensing for BBTIndividual, BBTEnterprise, BBTLife to insurance companies with standard configuration deployment
2. SaaS/Cloud Services: Sunetplus Cloud and full SaaS solutions including BBTHosting with data processing in Switzerland, available for companies reporting more than 15 claims per year
3. Professional Services: Implementation services, customization, data migration, and agile project delivery for system introductions
4. Support Services: Technical support for Sunetplus including telephone support, remote assistance via TeamViewer, and training services

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

BBT Software AG develops and sells modular core insurance systems and claims/absence management software for the Swiss insurance market. Its three core back-end products—BBTIndividual (health insurers), BBTEnterprise (UVG/KTG accident and daily allowance insurers), and BBTLife (life insurers)—are complemented by the Sunetplus family for electronic claims and absence reporting. BBTHosting provides certified managed infrastructure for both on-premise and SaaS deployments.

Product overview

BBT Software AG provides a modular portfolio of core insurance systems and enterprise absence/claims management solutions. The three core back-end systems are BBTIndividual (health insurers), BBTEnterprise (accident and daily allowance insurers), and BBTLife (life insurers), each designed as branch-specific standard solutions with stable interfaces. These core systems are complemented by the Sunetplus family for claims and absence management: Sunetplus (core desktop/cloud product), BBTPrenet (employee self-service pre-recording), BBTCare (care/case management), BBTClaims (for insurers), and BBTBidi (bidirectional insurer communication). BBTHosting provides certified infrastructure services. All products share a service-oriented architecture on .NET platform and can connect to AI solutions.

Differentiator

Problem solved

Functional benefit

Brands

• BBTIndividual: Core system for health insurers supporting consistent handling of core business processes and mapping all known price and discount models.
• BBTEnterprise
• BBTLife
• Sunetplus
• BBTPrenet
• BBTCare
• BBTClaims
• BBTHosting

Products and services

• BBTIndividual Core system for Swiss health insurers operating under KVG (Health Insurance Act) and VVG (Insurance Contracts Act). Maps all known price and discount models in the market, supports electronic invoice verification, document management integration, and customer portal capabilities. Used daily by 17 health insurers and organizations.
• BBTEnterprise Standard core solution for Swiss accident (UVG) and daily sickness benefit (KTG) insurance providers. Specializes in corporate customer business with stable APIs for complex system landscapes, efficient dark processing, and configurable rule engine.
• BBTLife Flexible standard core solution for life insurers supporting risk insurance and unit-linked plans, including individual life, group life, and employee benefits. Features a unique product engine enabling product definitions across different countries and markets, with multi-currency and multilingual capabilities.
• Sunetplus Market-leading electronic claims and absence management system for Swiss companies and insurers. Supports bidirectional communication with selected insurers, electronic recording and transmission of accident and illness reports, risk analysis, and integration with ERP and HR systems. Used by more than 14,000 Swiss companies.
• Sunetplus Cloud Cloud-hosted version of the Sunetplus claims and absence management software offering flexible scalability, cost efficiency, faster performance, and mobile accessibility. Data is processed exclusively in Switzerland under Swiss-compliant contracts. Targets companies reporting more than 15 claims per year.
• BBTHosting Complete managed operating service providing reliable, secure hosting for BBT products. Includes Desktop as a Service (DaaS), Software as a Service (SaaS), web solution services, and infrastructure operations. Certified to ISO/IEC 27001 with all data processing performed in Switzerland.
• BBTPrenet Web-based digital pre-recording solution enabling employees to record accidents or occupational illnesses themselves via desktop, tablet, or smartphone. Data is transmitted directly to Sunetplus for HR department review before forwarding to insurers.
• BBTCare Comprehensive care and case management solution for analysis and reduction of absences. Combines with BBTEnterprise to enable digital care management, digital quotation, and electronic payroll reporting for accident and daily allowance insurers, promoting direct client contact.
• BBTClaims Digital claims reporting solution for accidents and illnesses, providing standardized claims reporting format for insurers. Available only for licensing by insurance companies, with Allianz Suisse among the customers using it.
• BBTBidi Bidirectional communication module enabling electronic transmission of daily allowance and case status information with selected insurers. Supports Bidi configuration for insurer integrations including Assurance des Métiers and Groupe Mutuel.

Quantifiable outcome

• 17 health insurers and organizations use BBTIndividual daily
• +4 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature9 records

Scale indicators7 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• Guidewire Software: Global leader in P&C insurance core systems (PolicyCenter, BillingCenter, ClaimCenter). While BBT is Switzerland-only and covers health, accident, and life lines, Guidewire is the dominant incumbent that BBT competes against in the commercial accident/casualty segment when Swiss insurers evaluate modernization.
• Inetum (formerly GFI Informatique): French-headquartered IT services group with a dedicated insurance vertical practice across core systems, claims, and digital. Competes with BBT in the broader European insurance IT services and software market, particularly in French-speaking Switzerland.
• adesso Insurance Solutions: German IT services group with a focused insurance practice offering core systems, claims, and digital solutions to DACH insurers. Competes with BBT for DACH-region insurance customers and represents a broader IT-services incumbent in the same vertical.

Direct peers

• TIA Technology: Nordic insurance software vendor providing standard products for life, pension, and health insurers across Scandinavia and Northern Europe. Comparable to BBTLife and BBTIndividual as a regional, multi-line standard core-system vendor targeting mid-market carriers.
• msg global: Germany-based insurance software specialist with a strong DACH footprint covering life, health, and P&C core systems plus claims management. msg global is the closest European geographic peer to BBT and competes for the same German, Austrian, and Swiss insurance customers.
• Duck Creek Technologies: US-headquartered cloud-native insurance core systems vendor for P&C insurers. Duck Creek represents the SaaS-native delivery model that BBT's Sunetplus Cloud and BBTHosting services are moving toward, and competes for European modernization mandates.
• Insurity: US-based insurance software platform serving P&C insurers with core processing, analytics, and digital engagement. Comparable to BBTEnterprise and Sunetplus in combining claims and core processing capabilities, though Insurity operates at much larger scale.
• RGI Group: Italian-headquartered European insurance software vendor providing core systems for life and non-life carriers. RGI is a comparable European mid-market core-system specialist with similar customer scale and cross-border expansion ambitions as BBT.
• Sapiens International: Global insurance software vendor offering core systems and digital platforms for life, P&C, and reinsurance. Sapiens competes most directly with BBTIndividual, BBTEnterprise, and BBTLife across European mid-market insurers seeking end-to-end core-system modernization.
• Majesco: US insurance software vendor providing cloud-native core, underwriting, and claims platforms for P&C and life/health insurers. Direct peer in the cloud-native insurance core systems space that BBT is increasingly competing with for mid-market European deals.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/bbtsoftware

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about BBT Software AG