About Us

image about us
01
About the Company
02
Our Core Values
03
The Gratex Story
04
Ethics
05
Quality & Certifications

The Gratex Story

35+ years of innovation, from Bratislava to the world

2020s
2026
Insurance

New Broker Portal for AHI / Tokio Marine Group

Go-live of Phase 1 of modern responsive broker portal supporting full Quote and Bind processes across multiple product lines, with document management and brokerage user administration.

Insurance
2026

UPM2 Framework Upgrade for Gator Bikesure UK

Implementation of a new UPM2 framework enabling expanded integration capabilities and new product functionalities for the UK market.

2026
Insurance

UPM2 Framework and Document Editor for Velosure Australia

Implementation of a new UPM2 framework with expanded integration capabilities, complemented by a new document editor enabling backoffice users to manage policy templates in Word and HTML formats.

Insurance
2026

BI Solution and Universal API for SUU

Deployment of a business intelligence solution for data visibility and reporting, Universal API for process automation, and automated ARPC monthly reporting to the parent company.

2026
Insurance

Zurich Bundle Product for FUTURA Assekuradeur

Implementation of a new combined MTPL and KASKO product with Zurich calculator integration, expanding the product portfolio and improving pricing accuracy and underwriting speed.

Insurance
2026

Agent Bonus Calculation System for UNIQA

Implementation of Phase 2 of the agent registry, covering automated calculation of performance-based bonus commissions across the Czech and Slovak markets.

2026
Insurance

Broker Endorsement and Payment Automation for Premium Insurance Company

Implementation of a new endorsement type enabling mid-term broker changes and commission adjustments, combined with automated outgoing payment processing to eliminate manual financial operations.

Insurance
2026

Legal Protection Insurance System Go-live for Lexia

Full system go-live for Lexia, delivering a complete insurance administration platform for the legal protection insurance segment.

2026
Insurance

Reinsurance System (Phase 2) for UNIQA

Go-live of Phase 2 of the reinsurance information system, extending support to non-proportional treaty management for UNIQA operations across Czech Republic and Slovakia.

Insurance
2026

Reinsurance System for ČSOB Slovakia

Go-live of the ČSOB REI application covering end-to-end management of reinsurance contracts, automated closing calculations, payment processing and document administration.

2026
R&D

Cindy-Q IPCEI Initiative

Gratex joined the European Important Project of Common European Interest initiative with Cindy-Q, an AI-driven approach to building large-scale enterprise systems that has the potential to redefine how complex software is architected and delivered.

R&D
2026

DocAutomate Platform

Secured funding to research and develop methods for secure, AI-powered document processing, enabling organisations to extract, validate and act on document data.

2025–2026
R&D

InnovAIte WP6 and WP7

Advancing automation in software development and insurance through applied AI research, as part of the broader InnovAIte consortium programme.

Insurance
2025

SCTP Broker Integration for SUU

Integrated the external SCTP broker system from Steadfast, enabling automated processing and data import of new contracts into the core underwriting system.

2025
Insurance

Automated Renewals and Open Market Placement for Rubix Underwriting

Implemented automated renewal processing and a new Open Market Placement product, expanding the product portfolio and streamlining contract lifecycle management.

Insurance
2025

Insurer Binding Agreement for Rubix Underwriting

Implemented functionality for uploading insurer agreements into the system and generating contracts in compliance with defined binding conditions.

2025
Insurance

UPM2 Framework Upgrade for QRM Singapore

Implemented a new UPM2 framework for QRM Singapore, enabling expanded integration capabilities and accelerated delivery of new product functionalities.

Insurance
2025

PI University Insurance Product for MUM

Implemented a new insurance product tailored for higher education professionals, enabling more precise risk coverage and an improved offering for this specialised market segment.

2025
Insurance

Multitenant Platform and SME Portal for Czech Market

Delivered a multitenant solution for the Czech branch of Premium Insurance Company and a new SME CZ portal product, supporting geographic expansion and faster digital onboarding of small and medium business clients.

Public Sector
2025

Social Security Data Exchange Application for Ministry of Labour

Developed a national application for the electronic exchange of social security data, supporting cross-border coordination of benefits and contributions in line with EU requirements.

2025
R&D

InnovAIte Slovakia

Gratex, together with its partners, successfully participated in the Transformational Innovation Consortium call, advancing AI research with real-world applications.

Insurance
2024

GXSURE Platform for Rubix Underwriting

Implemented the GXSURE platform for Rubix Underwriting, an Australian managing general agent, enhancing operational efficiency and supporting business growth.

2024
Insurance

Unified Registry of Agents for UNIQA

Delivered a unified registry of insurance agents across Czech Republic and Slovakia, setting a new standard for agent management efficiency and regulatory compliance.

Insurance
2024

GXSURE platform for FUTURA Assekuradeur

An Austrian insurance broker successfully implemented our GXSURE platform, underscoring its commitment to future-oriented insurance solutions.

2024
Insurance

New Broker Portal Development for AHI / Tokio Marine Group

Commenced development of a next-generation broker portal with modern responsive design, expanded functionality and full Quote and Bind process support across multiple product lines.

Insurance
2024

Non-proportional Reinsurance Module for UNIQA

Implemented a Reinsurance module supporting non-proportional treaties in the Czech Republic and Slovakia for Uniqa and exAxa portfolios.

2023
Public Sector

Long-term Benefits Process Management for Social Insurance Company

Implemented the project focused on the Process management of long-term social insurance benefits.

Public Sector
2023

Data Governance Implementation for Social Insurance Agency

Supported the implementation of enterprise data management standards and governance processes.

2023
Insurance

Non-life Policy Migration for Allianz Slovenská poisťovňa

Completed migration of non-life insurance policies from legacy core insurance system to Allianz Business System (ABS), ensuring data auditability and post-migration consistency.

Insurance
2023

Self-management Module for AHI (Tokio Marine Group)

Launched a complex self-management module within the agency suite, designed for the specific operational requirements of an Australian underwriting agency..

2023
Public Sector

Schengen Information System Recast

An upgraded version of the Schengen Information System II delivered for the Ministry of Interior, now providing real-time police data and intelligence from 30 European countries has gone live.

Insurance
2023

SmartClaims Migration for UNIQA

Completed migration of non-life claims from AXA Assistance to the SmartClaims system.

2023
Energy

Energy Data Center

Provided expert services to IPESOFT, facilitating the adaptation to the new regulations in the energy market.

Public Sector
2023

Accident Insurance System UI Redesign for Social Insurance Company

Launched a new user interface for the Accident Insurance System, modernising the user experience for internal staff and improving operational workflows.

2023
Insurance

Sunrise Portal Integration for 360 Underwriting Solutions

Integrated the UPM2 agency suite with the Sunrise broker portal from Ebix, replacing the legacy solution and enabling full Quote, Bind and Renewal processes through an external portal.

Insurance
2023

Proportional Reinsurance Modulea for UNIQA

Implemented a Reinsurance module supporting proportional treaties in the Czech Republic and Slovakia for Uniqa and exAxa portfolios.

2023
Insurance

Invoice and Endorsement Automation for Premium Insurance Company

Implemented automated invoice dispatch and endorsement creation for a specific product line through the brokerage portal, reducing manual back-office workload.

Insurance
2022

Life Claims Migration for Generali Česká pojisťovň

Completed migration of life claims and liquid assets from the source system to the target system KDP.

2022
R&D

Research project EMEVYS

Completed an EU-funded research project in partnership with Slovak Technical University, focusing on effective methods for developing adaptive software ecosystems, culminating in intellectual property applications.

Insurance
2021

GXSURE Expansion via PEN Underwriting to Arthur J. Gallagher

Extended the GXSURE platform to the Arthur J. Gallagher ecosystem through the acquisition of Manchester Underwriting Management by PEN Underwriting.

2021
Insurance

Data Warehouse and Reporting for Generali Investments CEE

Developed a Data warehouse  and reports in the field of collective investment and asset management.

Public Sector
2020

EESSI National Application for Social Insurance Agency

Developed the national application for the Electronic Exchange of Social Security Information, enabling cross-border exchange of pension insurance and premium collection data across EU member states.

2020
Insurance

Insurance System Modernisation for EXIMBANKA SR

Developed and implemented a new user interface for Gratex's Insurance System.

2010s
Insurance
2019

GXSURE 3.0 Launch

Released a new generation of the GXSURE core insurance administration system, built on the open-source GDF 3.0 development framework.

2019
Insurance

Online Claims Portal for Premium Insurance Company

Launched an online portal for claims reporting with support for property, household and SME insurance products, extending digital self-service capabilities.

Public Sector
2018

Passenger Name Records

Successfully implemented the Passenger Name Records (PNR) system, markedly improving travel security for air passengers.

2018
Public Sector

Accident and Health System Upgrade for Social Insurance Company

Completed a major upgrade of the Accident and Health insurance information system.

Insurance
2018

UPM2 Implementation for Poisťovna VZP

Delivered the UPM2 suite for Poisťovna VZP in the Czech Republic, extending the platform's Central European footprint.

2017
Insurance

Life Insurance System Analysis for ČSOB Poisťovňa a.s.

Conducted analysis of the system managing life insurance policies portfolio to propose a new technological solution, including the user interface design.

Insurance
2017

Legacy Systems Migration for SURA Australia

Awarded a contract to migrate 20 legacy systems of one of the largest underwriting agency clusters in Australia.

2017
Insurance

Underwriting System for Manchester Underwriting Management

Signed a contract and commenced implementation of a full insurance underwriting system for one of the largest underwriting companies in the UK.

Insurance
2017

New Generation System for Allianz Slovenská poisťovňa

Completed the upgrade of the back-end insurance system from a legacy Oracle Forms architecture to a modern three-tier solution based on Oracle DB, Java and Dojo Front End.

2016
Insurance

Core Insurance System for Premium Insurance Company

Implemented a new core insurance system based on the UPM2 Platform.

Public Sector
2015

Career Guidance Platform for State Institute of Vocational Education

Delivered the PROFsme platform for the State Institute of Vocational Education, supporting career guidance and counselling services for primary and secondary school students across Slovakia.

2015
Insurance

First UK Underwriting System for Gator / Velosure

First implementation of a Gratex underwriting system in the United Kingdom, delivering a modern bike insurance product for Gator / Velosure.

Insurance
2015

MTPL Claims System for Insurance Bureau of Azerbaijan

A new MTPL claims system implemented for the Insurance Bureau of Azerbaijan.

2014
Insurance

UPM2 for Accident and Health International

Gratex selected to build UPM2 underwriting system for Accident & Health International in Australia.

Company/Insurance
2014

ANZIIF Innovation of the Year Award

Gratex UPM, the underwriting process management software suite, named a winner of the Australia and New Zealand Institute of Insurance and Finance annual award in the category of Innovation.

2014
Insurance

UPM2 Platform Launch

A new generation of the underwriting process management suite (UPM) for underwriting agencies launched in Australia and New Zealand.

Insurance
2013

Pet Insurance Underwriting System for Southern Cross

Delivered the first underwriting system in New Zealand, implementing a pet insurance platform for Southern Cross.

2013
Insurance

Heavy Motor Underwriting System for GT Insurance

The Heavy Motor underwriting system launched in one of the largest underwriting agencies in Australia, a joint-venture with Allianz Australia.

Public Sector
2012

Second Generation Schengen Information System for Ministry of Interior

Gratex delivered the second generation of the Schengen Information System, developed and implemented Tracking Systems for Vehicles, Firearms, Persons and Documents.

2012
Public Sector

e-Government Foundation Systems for Ministry of Interior

Delivered core e-government infrastructure for the Ministry of Interior, including the Registry of Natural Persons, National Vehicle Registry, Central Register System and Central Residence Registration Office.

Insurance
2012

Insurance System Implementation for Allianz Russia

Implementation of a project in Russia, for OJSC IC Allianz, in partnership with the Allianz software development team in Austria.

2011
Insurance / Company

NG&IS Project for Allianz Life Korea

Gratex was granted a contract on an NG&IS project for Allianz Life Korea, in consortium with Samsung SDS. The project was delivered in 2014.

Insurance / Company
2011

UNIUS Reinsurance for Allianz Tiriac Romania

Rolled out UNIUS Reinsurance at Allianz Tiriac Asigurari in Romania, marking Gratex's first international project within the Allianz Group.

2011
Insurance

UNIUS project completed

All legacy systems of Allianz Slovenská poisťovňa migrated to the Gratex UNIUS platform.

2000s
Insurance
2009

Pet Insurance Underwriting System for PetSure Australia

Gratex Australia was granted a contract to build an underwriting system for Petsure, Hollard's pet insurance arm in Australia.

2009
Insurance / Company

First Australian Underwriting System for Protecsure

Implemented the first underwriting system in Australia for Protecsure, marking the start of Gratex's long-term growth in the Australian market.

Insurance / Company
2007

Bespoke Software Development in Australia

Established a software development practice in Australia focused on the insurance segment, forming the foundation for Gratex's long-term growth in the region.

2006
Public Sector

Schengen Information System

Implemented the national interface for the Schengen Information System, connecting Slovakia to the pan-European law enforcement data network ahead of Schengen accession.

Insurance
2006

Document Management System for Allianz Slovenská poisťovňa

System for Allianz Slovenská poisťovňaImplemented a new document management system as part of a broader digital transformation programme at Allianz Slovenská poisťovňa.

2005
Company Milestone

Certificate of Quality

Gratex was granted an ISO 2001:2000 certificate, one of the first companies in Slovakia to get one, later followed by ISO 27001 and accreditation of the National Security Bureau to deal with sensitive and confidential information.

Public Sector
2004

2nd Pension Pillar in Slovakia

Built an information system for the Allianz Pension Fund for policy and commissions management.

2004
Public Sector

Policy Administration System for Eximbanka SR

Delivered a new insurance policy administration system for the Export and Import Bank of Slovakia.

Public Sector
2004

Accident and Health Insurance System for Social Insurance Company

Delivered a comprehensive Accident and Health insurance information system to the publicly owned social insurance provider, supporting national insurance programme administration.

2004
Insurance

UNIUS Platform Launch for Allianz Slovenská poisťovňa

Delivered the UNIUS new generation underwriting system for Allianz Slovenská poisťovňa, setting a new standard for insurance core system architecture in the region.

Public Sector
2004

EU-format Travel Documents and Driving Licences System

Built a production and distribution system for official state travel documents and driving licences in EU format.

2003
Company Milestone

Registry of Inhabitants and Motor Vehicles for Ministry of Interior

Awarded the first Ministry of Interior contract, developing foundational registry systems for inhabitants and motor vehicles that became part of Slovakia's core public administration infrastructure.

Company Milestone
2001

Gratex Knowledge Office.NET

Award-winning enterprise solution based on the Microsoft platform in Slovakia and Czech Republic.

2000
Company Milestone

ERP System for SkyEurope Airlines

Delivered an ERP system for SkyEurope, a low-cost airline operating across Europe, in one of Gratex's first major international projects.

Company Milestone
2000

Gratex International AUST Pty Ltd

The first Slovak investment in Australia as a joint venture, marking the first Slovak technology investment in Australia.

1990s
1999
Company Milestone

New Visual Identity for Slovak Television

Delivered a new graphical design and logo for Slovak Television, one of the country's flagship media institutions.

Insurance
1999

inZine Launch

Founded and launched inZine, the first professional online magazine in Slovakia, pioneering digital publishing in the region.

1998
Company Milestone

Media Planning System for Radio Twist

Implemented the first advertisement broadcasting planning system in Slovakia for Radio Twist, combining media expertise with software innovation.

Insurance / Company
1998

Insurance Information System for Slovenská poisťovňa

Rolled out a new insurance information system built on the Microsoft .NET platform across subsidiaries of Slovenská poisťovňa.

1998
Company Milestone

First Microsoft Authorized Support Center

Founded the first authorised Microsoft Support Center in Slovakia, establishing Gratex as a leading Microsoft partner in the region.

Company Milestone
1998

Transformation to Gratex International a.s.

Transformation into a joint-stock company. The GraTex brand transformed to Gratex International, reflecting the evolution from a graphical design studio to full life cycle software development house.

1997
Company Milestone

First IBM Software Development Vendor in Slovakia

Gratex became the first IBM Software Development vendor in Slovakia.

Company Milestone
1997

Realshop.sk Launch

Founded Realshop.sk, the first IT and technology online store in Slovakia, years ahead of mainstream e-commerce adoption.

1995
Company Milestone

Largest MS Exchange Implementation in Europe

Gratex implemented a communication platform across Slovenská poistovňa. It was (then) the largest implementation of MS Exchange in Europe.

Company Milestone
1995

Meeting with Bill Gates

Representatives of Gratex met with Bill Gates during his visit to Bratislava, reflecting the company's standing as a leading Microsoft partner in the region.

1995
Company Milestone

First Microsoft Certified Solution Provider

Gratex launched a Developers Support Center on the Microsoft Platform and became one of the first certified solution providers for Microsoft in Slovakia.

Company Milestone
1994

First Computer-Generated music video in Slovakia

GraMedia, a subsidiary of GraTex, produced an award-winning video clip for "Balada o štyroch koňoch" by Peter Lipa. It was the first fully computer-generated animation music video clip in Slovakia, awarded by the Slovak Music Academy.

1994
Company Milestone

Computer-Generated Video Clips

Gratex delivered the first-ever computer-generated video clips.

Insurance
1994

Microsoft platform decision

Selected the Microsoft platform for its future software development. NSP – the policy administration system in Slovenská poistovňa was its first enterprise system developed on Microsoft technology.

1993
Company Milestone

Expansion into Digital Multimedia

In addition to development of localized fonts and printer drivers, software distribution, publishing and services, Gratex expanded in the area of digital multimedia.

Company Milestone
1993

Largest WordPerfect Distributor in CEE

Became the largest distributor of WordPerfect in the Central and Eastern European region, based on license sales volume.

1992
Company Milestone

Workflow Automation for VÚB Bank

Implemented administrative workflow automation in one of the largest commercial banks in Czechoslovakia.

Company Milestone
1991

WORD Perfect distribution

Obtained a license to sell and support Word Perfect software.

1991
Company Milestone

GraTex founded in Bratislava, Slovakia

The beginning of our journey.

2010s
Company/Insurance
2014

ANZIIF Innovation of the Year Award

Gratex UPM, the underwriting process management software suite, named a winner of the Australia and New Zealand Institute of Insurance and Finance annual award in the category of Innovation.

2011
Insurance / Company

NG&IS Project for Allianz Life Korea

Gratex was granted a contract on an NG&IS project for Allianz Life Korea, in consortium with Samsung SDS. The project was delivered in 2014.

Insurance / Company
2011

UNIUS Reinsurance for Allianz Tiriac Romania

Rolled out UNIUS Reinsurance at Allianz Tiriac Asigurari in Romania, marking Gratex's first international project within the Allianz Group.

2000s
2009
Insurance / Company

First Australian Underwriting System for Protecsure

Implemented the first underwriting system in Australia for Protecsure, marking the start of Gratex's long-term growth in the Australian market.

Insurance / Company
2007

Bespoke Software Development in Australia

Established a software development practice in Australia focused on the insurance segment, forming the foundation for Gratex's long-term growth in the region.

2005
Company Milestone

Certificate of Quality

Gratex was granted an ISO 2001:2000 certificate, one of the first companies in Slovakia to get one, later followed by ISO 27001 and accreditation of the National Security Bureau to deal with sensitive and confidential information.

Company Milestone
2003

Registry of Inhabitants and Motor Vehicles for Ministry of Interior

Awarded the first Ministry of Interior contract, developing foundational registry systems for inhabitants and motor vehicles that became part of Slovakia's core public administration infrastructure.

2001
Company Milestone

Gratex Knowledge Office.NET

Award-winning enterprise solution based on the Microsoft platform in Slovakia and Czech Republic.

Company Milestone
2000

ERP System for SkyEurope Airlines

Delivered an ERP system for SkyEurope, a low-cost airline operating across Europe, in one of Gratex's first major international projects.

2000
Company Milestone

Gratex International AUST Pty Ltd

The first Slovak investment in Australia as a joint venture, marking the first Slovak technology investment in Australia.

1990s
Company Milestone
1999

New Visual Identity for Slovak Television

Delivered a new graphical design and logo for Slovak Television, one of the country's flagship media institutions.

1998
Company Milestone

Media Planning System for Radio Twist

Implemented the first advertisement broadcasting planning system in Slovakia for Radio Twist, combining media expertise with software innovation.

Insurance / Company
1998

Insurance Information System for Slovenská poisťovňa

Rolled out a new insurance information system built on the Microsoft .NET platform across subsidiaries of Slovenská poisťovňa.

1998
Company Milestone

First Microsoft Authorized Support Center

Founded the first authorised Microsoft Support Center in Slovakia, establishing Gratex as a leading Microsoft partner in the region.

Company Milestone
1998

Transformation to Gratex International a.s.

Transformation into a joint-stock company. The GraTex brand transformed to Gratex International, reflecting the evolution from a graphical design studio to full life cycle software development house.

1997
Company Milestone

First IBM Software Development Vendor in Slovakia

Gratex became the first IBM Software Development vendor in Slovakia.

Company Milestone
1997

Realshop.sk Launch

Founded Realshop.sk, the first IT and technology online store in Slovakia, years ahead of mainstream e-commerce adoption.

1995
Company Milestone

Largest MS Exchange Implementation in Europe

Gratex implemented a communication platform across Slovenská poistovňa. It was (then) the largest implementation of MS Exchange in Europe.

Company Milestone
1995

Meeting with Bill Gates

Representatives of Gratex met with Bill Gates during his visit to Bratislava, reflecting the company's standing as a leading Microsoft partner in the region.

1995
Company Milestone

First Microsoft Certified Solution Provider

Gratex launched a Developers Support Center on the Microsoft Platform and became one of the first certified solution providers for Microsoft in Slovakia.

Company Milestone
1994

First Computer-Generated music video in Slovakia

GraMedia, a subsidiary of GraTex, produced an award-winning video clip for "Balada o štyroch koňoch" by Peter Lipa. It was the first fully computer-generated animation music video clip in Slovakia, awarded by the Slovak Music Academy.

1994
Company Milestone

Computer-Generated Video Clips

Gratex delivered the first-ever computer-generated video clips.

Company Milestone
1993

Expansion into Digital Multimedia

In addition to development of localized fonts and printer drivers, software distribution, publishing and services, Gratex expanded in the area of digital multimedia.

1993
Company Milestone

Largest WordPerfect Distributor in CEE

Became the largest distributor of WordPerfect in the Central and Eastern European region, based on license sales volume.

Company Milestone
1992

Workflow Automation for VÚB Bank

Implemented administrative workflow automation in one of the largest commercial banks in Czechoslovakia.

1991
Company Milestone

WORD Perfect distribution

Obtained a license to sell and support Word Perfect software.

Company Milestone
1991

GraTex founded in Bratislava, Slovakia

The beginning of our journey.

2020s
2026
Insurance

New Broker Portal for AHI / Tokio Marine Group

Go-live of Phase 1 of modern responsive broker portal supporting full Quote and Bind processes across multiple product lines, with document management and brokerage user administration.

Insurance
2026

UPM2 Framework Upgrade for Gator Bikesure UK

Implementation of a new UPM2 framework enabling expanded integration capabilities and new product functionalities for the UK market.

2026
Insurance

UPM2 Framework and Document Editor for Velosure Australia

Implementation of a new UPM2 framework with expanded integration capabilities, complemented by a new document editor enabling backoffice users to manage policy templates in Word and HTML formats.

Insurance
2026

BI Solution and Universal API for SUU

Deployment of a business intelligence solution for data visibility and reporting, Universal API for process automation, and automated ARPC monthly reporting to the parent company.

2026
Insurance

Zurich Bundle Product for FUTURA Assekuradeur

Implementation of a new combined MTPL and KASKO product with Zurich calculator integration, expanding the product portfolio and improving pricing accuracy and underwriting speed.

Insurance
2026

Agent Bonus Calculation System for UNIQA

Implementation of Phase 2 of the agent registry, covering automated calculation of performance-based bonus commissions across the Czech and Slovak markets.

2026
Insurance

Broker Endorsement and Payment Automation for Premium Insurance Company

Implementation of a new endorsement type enabling mid-term broker changes and commission adjustments, combined with automated outgoing payment processing to eliminate manual financial operations.

Insurance
2026

Legal Protection Insurance System Go-live for Lexia

Full system go-live for Lexia, delivering a complete insurance administration platform for the legal protection insurance segment.

2026
Insurance

Reinsurance System (Phase 2) for UNIQA

Go-live of Phase 2 of the reinsurance information system, extending support to non-proportional treaty management for UNIQA operations across Czech Republic and Slovakia.

Insurance
2026

Reinsurance System for ČSOB Slovakia

Go-live of the ČSOB REI application covering end-to-end management of reinsurance contracts, automated closing calculations, payment processing and document administration.

2025
Insurance

SCTP Broker Integration for SUU

Integrated the external SCTP broker system from Steadfast, enabling automated processing and data import of new contracts into the core underwriting system.

Insurance
2025

Automated Renewals and Open Market Placement for Rubix Underwriting

Implemented automated renewal processing and a new Open Market Placement product, expanding the product portfolio and streamlining contract lifecycle management.

2025
Insurance

Insurer Binding Agreement for Rubix Underwriting

Implemented functionality for uploading insurer agreements into the system and generating contracts in compliance with defined binding conditions.

Insurance
2025

UPM2 Framework Upgrade for QRM Singapore

Implemented a new UPM2 framework for QRM Singapore, enabling expanded integration capabilities and accelerated delivery of new product functionalities.

2025
Insurance

PI University Insurance Product for MUM

Implemented a new insurance product tailored for higher education professionals, enabling more precise risk coverage and an improved offering for this specialised market segment.

Insurance
2025

Multitenant Platform and SME Portal for Czech Market

Delivered a multitenant solution for the Czech branch of Premium Insurance Company and a new SME CZ portal product, supporting geographic expansion and faster digital onboarding of small and medium business clients.

2024
Insurance

GXSURE Platform for Rubix Underwriting

Implemented the GXSURE platform for Rubix Underwriting, an Australian managing general agent, enhancing operational efficiency and supporting business growth.

Insurance
2024

Unified Registry of Agents for UNIQA

Delivered a unified registry of insurance agents across Czech Republic and Slovakia, setting a new standard for agent management efficiency and regulatory compliance.

2024
Insurance

GXSURE platform for FUTURA Assekuradeur

An Austrian insurance broker successfully implemented our GXSURE platform, underscoring its commitment to future-oriented insurance solutions.

Insurance
2024

New Broker Portal Development for AHI / Tokio Marine Group

Commenced development of a next-generation broker portal with modern responsive design, expanded functionality and full Quote and Bind process support across multiple product lines.

2024
Insurance

Non-proportional Reinsurance Module for UNIQA

Implemented a Reinsurance module supporting non-proportional treaties in the Czech Republic and Slovakia for Uniqa and exAxa portfolios.

Insurance
2023

Non-life Policy Migration for Allianz Slovenská poisťovňa

Completed migration of non-life insurance policies from legacy core insurance system to Allianz Business System (ABS), ensuring data auditability and post-migration consistency.

2023
Insurance

Self-management Module for AHI (Tokio Marine Group)

Launched a complex self-management module within the agency suite, designed for the specific operational requirements of an Australian underwriting agency..

Insurance
2023

SmartClaims Migration for UNIQA

Completed migration of non-life claims from AXA Assistance to the SmartClaims system.

2023
Insurance

Sunrise Portal Integration for 360 Underwriting Solutions

Integrated the UPM2 agency suite with the Sunrise broker portal from Ebix, replacing the legacy solution and enabling full Quote, Bind and Renewal processes through an external portal.

Insurance
2023

Proportional Reinsurance Modulea for UNIQA

Implemented a Reinsurance module supporting proportional treaties in the Czech Republic and Slovakia for Uniqa and exAxa portfolios.

2023
Insurance

Invoice and Endorsement Automation for Premium Insurance Company

Implemented automated invoice dispatch and endorsement creation for a specific product line through the brokerage portal, reducing manual back-office workload.

Insurance
2022

Life Claims Migration for Generali Česká pojisťovň

Completed migration of life claims and liquid assets from the source system to the target system KDP.

2021
Insurance

GXSURE Expansion via PEN Underwriting to Arthur J. Gallagher

Extended the GXSURE platform to the Arthur J. Gallagher ecosystem through the acquisition of Manchester Underwriting Management by PEN Underwriting.

Insurance
2021

Data Warehouse and Reporting for Generali Investments CEE

Developed a Data warehouse  and reports in the field of collective investment and asset management.

2020
Insurance

Insurance System Modernisation for EXIMBANKA SR

Developed and implemented a new user interface for Gratex's Insurance System.

2010s
Insurance
2019

GXSURE 3.0 Launch

Released a new generation of the GXSURE core insurance administration system, built on the open-source GDF 3.0 development framework.

2019
Insurance

Online Claims Portal for Premium Insurance Company

Launched an online portal for claims reporting with support for property, household and SME insurance products, extending digital self-service capabilities.

Insurance
2018

UPM2 Implementation for Poisťovna VZP

Delivered the UPM2 suite for Poisťovna VZP in the Czech Republic, extending the platform's Central European footprint.

2017
Insurance

Life Insurance System Analysis for ČSOB Poisťovňa a.s.

Conducted analysis of the system managing life insurance policies portfolio to propose a new technological solution, including the user interface design.

Insurance
2017

Legacy Systems Migration for SURA Australia

Awarded a contract to migrate 20 legacy systems of one of the largest underwriting agency clusters in Australia.

2017
Insurance

Underwriting System for Manchester Underwriting Management

Signed a contract and commenced implementation of a full insurance underwriting system for one of the largest underwriting companies in the UK.

Insurance
2017

New Generation System for Allianz Slovenská poisťovňa

Completed the upgrade of the back-end insurance system from a legacy Oracle Forms architecture to a modern three-tier solution based on Oracle DB, Java and Dojo Front End.

2016
Insurance

Core Insurance System for Premium Insurance Company

Implemented a new core insurance system based on the UPM2 Platform.

Insurance
2015

First UK Underwriting System for Gator / Velosure

First implementation of a Gratex underwriting system in the United Kingdom, delivering a modern bike insurance product for Gator / Velosure.

2015
Insurance

MTPL Claims System for Insurance Bureau of Azerbaijan

A new MTPL claims system implemented for the Insurance Bureau of Azerbaijan.

Insurance
2014

UPM2 for Accident and Health International

Gratex selected to build UPM2 underwriting system for Accident & Health International in Australia.

2014
Company/Insurance

ANZIIF Innovation of the Year Award

Gratex UPM, the underwriting process management software suite, named a winner of the Australia and New Zealand Institute of Insurance and Finance annual award in the category of Innovation.

Insurance
2014

UPM2 Platform Launch

A new generation of the underwriting process management suite (UPM) for underwriting agencies launched in Australia and New Zealand.

2013
Insurance

Pet Insurance Underwriting System for Southern Cross

Delivered the first underwriting system in New Zealand, implementing a pet insurance platform for Southern Cross.

Insurance
2013

Heavy Motor Underwriting System for GT Insurance

The Heavy Motor underwriting system launched in one of the largest underwriting agencies in Australia, a joint-venture with Allianz Australia.

2012
Insurance

Insurance System Implementation for Allianz Russia

Implementation of a project in Russia, for OJSC IC Allianz, in partnership with the Allianz software development team in Austria.

Insurance / Company
2011

NG&IS Project for Allianz Life Korea

Gratex was granted a contract on an NG&IS project for Allianz Life Korea, in consortium with Samsung SDS. The project was delivered in 2014.

2011
Insurance / Company

UNIUS Reinsurance for Allianz Tiriac Romania

Rolled out UNIUS Reinsurance at Allianz Tiriac Asigurari in Romania, marking Gratex's first international project within the Allianz Group.

Insurance
2011

UNIUS project completed

All legacy systems of Allianz Slovenská poisťovňa migrated to the Gratex UNIUS platform.

2000s
2009
Insurance

Pet Insurance Underwriting System for PetSure Australia

Gratex Australia was granted a contract to build an underwriting system for Petsure, Hollard's pet insurance arm in Australia.

Insurance / Company
2009

First Australian Underwriting System for Protecsure

Implemented the first underwriting system in Australia for Protecsure, marking the start of Gratex's long-term growth in the Australian market.

2007
Insurance / Company

Bespoke Software Development in Australia

Established a software development practice in Australia focused on the insurance segment, forming the foundation for Gratex's long-term growth in the region.

Insurance
2006

Document Management System for Allianz Slovenská poisťovňa

System for Allianz Slovenská poisťovňaImplemented a new document management system as part of a broader digital transformation programme at Allianz Slovenská poisťovňa.

2004
Insurance

UNIUS Platform Launch for Allianz Slovenská poisťovňa

Delivered the UNIUS new generation underwriting system for Allianz Slovenská poisťovňa, setting a new standard for insurance core system architecture in the region.

1990s
Insurance
1999

inZine Launch

Founded and launched inZine, the first professional online magazine in Slovakia, pioneering digital publishing in the region.

1998
Insurance / Company

Insurance Information System for Slovenská poisťovňa

Rolled out a new insurance information system built on the Microsoft .NET platform across subsidiaries of Slovenská poisťovňa.

Insurance
1994

Microsoft platform decision

Selected the Microsoft platform for its future software development. NSP – the policy administration system in Slovenská poistovňa was its first enterprise system developed on Microsoft technology.

2020s
Public Sector
2025

Social Security Data Exchange Application for Ministry of Labour

Developed a national application for the electronic exchange of social security data, supporting cross-border coordination of benefits and contributions in line with EU requirements.

2023
Public Sector

Long-term Benefits Process Management for Social Insurance Company

Implemented the project focused on the Process management of long-term social insurance benefits.

Public Sector
2023

Data Governance Implementation for Social Insurance Agency

Supported the implementation of enterprise data management standards and governance processes.

2023
Public Sector

Schengen Information System Recast

An upgraded version of the Schengen Information System II delivered for the Ministry of Interior, now providing real-time police data and intelligence from 30 European countries has gone live.

Public Sector
2023

Accident Insurance System UI Redesign for Social Insurance Company

Launched a new user interface for the Accident Insurance System, modernising the user experience for internal staff and improving operational workflows.

2020
Public Sector

EESSI National Application for Social Insurance Agency

Developed the national application for the Electronic Exchange of Social Security Information, enabling cross-border exchange of pension insurance and premium collection data across EU member states.

2010s
Public Sector
2018

Passenger Name Records

Successfully implemented the Passenger Name Records (PNR) system, markedly improving travel security for air passengers.

2018
Public Sector

Accident and Health System Upgrade for Social Insurance Company

Completed a major upgrade of the Accident and Health insurance information system.

Public Sector
2015

Career Guidance Platform for State Institute of Vocational Education

Delivered the PROFsme platform for the State Institute of Vocational Education, supporting career guidance and counselling services for primary and secondary school students across Slovakia.

2012
Public Sector

Second Generation Schengen Information System for Ministry of Interior

Gratex delivered the second generation of the Schengen Information System, developed and implemented Tracking Systems for Vehicles, Firearms, Persons and Documents.

Public Sector
2012

e-Government Foundation Systems for Ministry of Interior

Delivered core e-government infrastructure for the Ministry of Interior, including the Registry of Natural Persons, National Vehicle Registry, Central Register System and Central Residence Registration Office.

2000s
2006
Public Sector

Schengen Information System

Implemented the national interface for the Schengen Information System, connecting Slovakia to the pan-European law enforcement data network ahead of Schengen accession.

Public Sector
2004

2nd Pension Pillar in Slovakia

Built an information system for the Allianz Pension Fund for policy and commissions management.

2004
Public Sector

Policy Administration System for Eximbanka SR

Delivered a new insurance policy administration system for the Export and Import Bank of Slovakia.

Public Sector
2004

Accident and Health Insurance System for Social Insurance Company

Delivered a comprehensive Accident and Health insurance information system to the publicly owned social insurance provider, supporting national insurance programme administration.

2004
Public Sector

EU-format Travel Documents and Driving Licences System

Built a production and distribution system for official state travel documents and driving licences in EU format.

2020s
2026
R&D

Cindy-Q IPCEI Initiative

Gratex joined the European Important Project of Common European Interest initiative with Cindy-Q, an AI-driven approach to building large-scale enterprise systems that has the potential to redefine how complex software is architected and delivered.

R&D
2026

DocAutomate Platform

Secured funding to research and develop methods for secure, AI-powered document processing, enabling organisations to extract, validate and act on document data.

2025–2026
R&D

InnovAIte WP6 and WP7

Advancing automation in software development and insurance through applied AI research, as part of the broader InnovAIte consortium programme.

2025
R&D

InnovAIte Slovakia

Gratex, together with its partners, successfully participated in the Transformational Innovation Consortium call, advancing AI research with real-world applications.

2022
R&D

Research project EMEVYS

Completed an EU-funded research project in partnership with Slovak Technical University, focusing on effective methods for developing adaptive software ecosystems, culminating in intellectual property applications.

2020s
Energy
2023

Energy Data Center

Provided expert services to IPESOFT, facilitating the adaptation to the new regulations in the energy market.