INSURTECH & POLICY SYSTEMS

Next-Gen InsurTech &
Policy Systems
for Saudi Insurers

We engineer mission-critical Policy Administration Systems (PAS), AI-powered automated claims engines, and real-time underwriting platforms compliant with Saudi Insurance Authority (IA) and SAMA cybersecurity mandates.

Discuss InsurTech Solution Explore Policy Architecture
SAMA & IA Compliant 100% Regulatory Aligned
Automated Claims FNOL Sub-Hour Adjudication
Najm & NPHIES Ready National API Integration
  • PERFORMANCE
  • SCALE
  • PEOPLE
  • DIGITAL GROWTH
MODERN TECHNOLOGY REAL BUSINESS IMPACT
WHY REACT

A Smarter Choice
for Business Websites

React.js gives you the flexibility to create modern, interactive and high-performing websites that adapt to your business goals. It's trusted by global brands for a reason โ€” speed, scalability and exceptional user experiences.

Explore the Benefits

Blazing Fast
Performance

Optimized for speed and smooth user experiences.

Reusable
Components

Cost-effective and easier to maintain.

Perfect for
Modern Web Apps

Ideal for platforms, portals and complex business logic.

Strong
Ecosystem

Backed by Meta and a large global community.

OUR REACT DEVELOPMENT SERVICES

End-to-End React Development Services

From corporate websites to complex web applications, we deliver tailored React solutions that match your business goals.

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Custom React Website Development

Unique, high-performing websites tailored to your brand.

Next.js Development

SEO-friendly, full-stack React applications.

React Web Applications

Dynamic, scalable and feature-rich web apps.

Motor Insurance & Najm API Hub

Connect with third-party APIs and business systems.

UI/UX Development

Modern, user-centric designs that convert.

Migration to React

Upgrade from legacy systems to modern React applications.

Maintenance & Support

Keep your website secure, updated and running smoothly.

Fraud Detection & Risk Analytics

Faster load times and better Core Web Vitals.

INSURTECH TECHNOLOGY ECOSYSTEM

Modern Technologies for Modern Solutions

We use the latest tools and technologies to build secure, scalable and high-performing React websites.

Core PAS Engine
N
SAMA Security CSF
TS
Najm Motor API
JS
NPHIES Health
PostgreSQL HA
TypeScript / Node
Redis Cache
REST
ZATCA Phase 2
Sadad & Mada
Docker & K8s
Yakeen & Nafath
Saudi Sovereign Cloud
Insurance Software Development for Saudi Insurers
INSURTECH TRANSFORMATION FOR SAUDI VISION 2030

Insurance Software Engineered
for Saudi Market Leadership

We understand the regulatory evolution of the Saudi Insurance Authority (IA), SAMA Financial Sector Development Program, and Vision 2030 digital economy mandates. Our software empowers carriers and brokers with unmatched agility.

100% compliant with Saudi Insurance Authority (IA) and SAMA cybersecurity frameworks
Direct API integrations with Najm, CCHI/NPHIES, Yakeen, Sadad, and ZATCA Phase-2
Bilingual Arabic & English customer portals with full RTL support and localized UX
In-Kingdom sovereign cloud hosting conforming to NDMO data residency rules
Guaranteed 99.99% high-availability uptime SLA with active-active disaster recovery
Consult InsurTech Software Architects โ†’

Specialized Platforms for Every Insurance Line

We engineer specialized software platforms tailored to every insurance sector in the Kingdom, from high-frequency motor and health to complex corporate commercial lines.

Clean Next.js architecture and web platform development
INSURTECH EXCELLENCE

Comprehensive Motor Policy &
Fleet Management Platforms.

Automate individual and commercial fleet motor underwriting with real-time Najm accident history verification, instant digital policy delivery, mobile FNOL claims, and Mada/Sadad payment settlement.

Direct Najm integration for vehicle inspection and accident history
Instant digital policy issuance with SMS and WhatsApp policy links
Mobile FNOL with photo damage assessment and workshop quotation routing
Fleet telematics risk calculation and corporate portal self-service
Integrated Mada, Sadad, and Apple Pay premium payment collection

Let's Build
Something Great

Talk to our experts about your idea and get a tailored recommendation.

Consult InsurTech Architects โ†’

InsurTech Core & Integration Architecture

A resilient, fault-tolerant financial architecture engineered for zero data loss.

We design multi-tier InsurTech architectures that isolate core underwriting ledgers from public portal microservices. Fully audited for SAMA compliance, high concurrency, and real-time national gateway communication.

Explore InsurTech Architecture โ†’
Policyholder Portal
Mobile & Web Apps
Broker & Agent UI
B2B Sales Portal
Underwriter Console
Risk & Pricing Engine
InsurTech Core
(PAS / Underwriting / Claims)
Node.js
Backend Services
APIs & Integrations
Third-Party Services
PostgreSQL / MongoDB
Databases
Cloud Infrastructure
(AWS / Vercel / Others)

What We Build in Insurance Software

Tailored financial platforms built for regulatory compliance, operational speed, and profit protection.

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Policy Administration Systems (PAS)

All-in-one insurance management systems unifying customer onboarding, instant quoting, endorsement management, and automated annual renewals.

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Automated Claims FNOL Portals

Mobile customer claims submission with photo uploads, AI fraud scoring, and straight-through payout authorization.

Explore โ†’
Web Applications

Digital Underwriting & Rating Engines

Configurable actuarial rule engines executing dynamic pricing and risk assessment in under 500 milliseconds.

Explore โ†’
SaaS Platforms

InsurTech Aggregator Portals

High-concurrency quotation comparison engines connecting customers with dozens of insurance providers instantly.

Explore โ†’
E-commerce Frontends

Broker & Agent Management Systems

Comprehensive agent management portals with hierarchy commissions, lead tracking, and automated performance analytics.

Explore โ†’
Portals & Dashboards

Engineered for the Saudi Insurance Market

Our InsurTech platforms integrate natively with the Saudi Insurance Authority (IA), SAMA cybersecurity rules, Najm motor records, and ZATCA Phase-2 electronic tax invoicing.

Bilingual Arabic & English customer and underwriter UI
Right-to-left (RTL) localized policy documents and schedules
Native Najm, NPHIES, Sadad, and Mada integrations
Aligned with SAMA Financial Sector Development Program
In-Kingdom sovereign hosting in Tier-IV Saudi data centers
EN AR

ุฃู†ุธู…ุฉ ุชุฃู…ูŠู† ุฐูƒูŠุฉ
ู„ุญู…ุงูŠุฉ ูˆุชู†ู…ูŠุฉ ุฃุนู…ุงู„ูƒ

ุงุณุชุดุฑ ุฎุจุฑุงุกู†ุง โ†

โ€œFinancial-grade reliability built on sovereign Saudi infrastructure.โ€

Operational Performance That Drives Loss Ratios Down

In insurance, speed, accuracy, and fraud prevention directly impact your loss ratio and combined operating ratio. We build ultra-efficient systems that automate claims and eliminate manual underwriting overhead.

Learn About Our Performance Approach โ†’
98.6 STP Claims Pass %
0-49 Poor
50-89 Needs Improvement
90-100 Good
98.6% straight-through processing for standard claims
Sub-second dynamic premium quote calculations
60% reduction in policy administration overhead costs
Real-time AI fraud detection flagging anomalies
High-availability cloud hosting in certified Saudi data centers

Integrations That Expand InsurTech Capabilities

We connect your insurance software with national automotive networks, healthcare authorities, and banking gateways.

View Integration Options โ†’
Najm Motor Network
Identity & Authentication
Messaging Platforms
โ†’
Your Website
โ†’
Government Services
Business Systems (ERP/CRM)
Third-Party APIs

Industries We Serve

We build specialized insurance software solutions for every sector of the Saudi financial services market.

Healthcare
Motor & Vehicle Insurance
Health & Medical Insurance
Property & Real Estate
Commercial & Cargo Marine
Takaful & Cooperative Life
B2B Brokers & Aggregators

Our InsurTech Engineering Methodology

A clear, audit-compliant and collaborative engineering process from actuarial discovery to go-live.

Let's Start Your Insurance Project โ†’
01

Actuarial Discovery & Policy Modeling

We map insurance lines, rating algorithms, policy lifecycles, and compliance requirements.

02

Regulatory Architecture & Security Design

We architect secure databases, audit logging, and encryption compliant with SAMA and IA standards.

03

Agile Core & Microservices Engineering

We develop the policy engine, mobile FNOL, underwriting rules, and national API integrations.

04

VAPT, Sandbox & SAMA Audit Testing

We conduct rigorous penetration testing, stress testing, and national gateway sandbox verification.

05

Deployment & Operational Transition

We deploy to sovereign Saudi cloud data centers, train underwriter teams, and provide 24/7 SLA support.

Risk
into Resilience.

From underwriting rules to automated claims payout, we engineer systems that safeguard capital.

InsurTech & Regulatory FAQs

Key compliance, technical, and operational questions answered for Saudi insurance executives and IT directors.

Yes. Our insurance software architectures strictly follow the guidelines of the Saudi Insurance Authority (IA / ู‡ูŠุฆุฉ ุงู„ุชุฃู…ูŠู†) and SAMA cybersecurity frameworks, including data sovereignty, audit trails, and financial reporting.
Yes. We provide native API integrations with Najm to verify vehicle accident history, pull crash assessment reports, and automatically register active policy certificates upon premium payment.
Automated claims processing with mobile FNOL and AI fraud screening cuts settlement turnaround times from weeks to hours, reduces operational adjusting costs by up to 60%, and drastically boosts customer satisfaction.
All policy records, claims evidence, and financial transactions are hosted 100% within the Kingdom of Saudi Arabia in certified Tier-IV data centers (e.g., Oracle Cloud KSA, AWS Saudi Region), complying fully with NDMO data residency rules.
Yes. We integrate with Sadad for invoice bill presentment (Biller ID), Mada, Visa, Mastercard, Apple Pay, and local installment providers (Tabby/Tamara) for recurring and split premium collections.
Yes. Our platform includes dedicated Takaful accounting modules that manage Waqf fund allocations, Mudaraba and Wakala fees, policyholder surplus distributions, and Sharia committee reporting.
A targeted module (such as an automated claims FNOL portal or rating calculator) takes 6 to 10 weeks, while a full enterprise Policy Administration System (PAS) takes 14 to 24 weeks with phased line-by-line rollouts.
We provide enterprise 24/7/365 mission-critical SLAs with guaranteed sub-15-minute response times for Severity-1 outages, proactive security monitoring, SAMA compliance audits, and regular feature updates.

InsurTech & Financial IT Insights

Explore our latest perspectives on insurance automation, regulatory technology, and digital underwriting in Saudi Arabia.

View All Insights โ†’
Navigating the Saudi Insurance Authority: Compliance Mandates for Digital Insurers
AUG 20, 2026

Navigating the Saudi Insurance Authority: Compliance Mandates for Digital Insurers

Read Article โ†’
How AI-Driven Claims & FNOL Systems Cut Loss Ratios by up to 25%
AUG 18, 2026

How AI-Driven Claims & FNOL Systems Cut Loss Ratios by up to 25%

Read Article โ†’
InsurTech Trends in Saudi Arabia (2026): Open Insurance, Telematics & Takaful
AUG 12, 2026

InsurTech Trends in Saudi Arabia (2026): Open Insurance, Telematics & Takaful

Read Article โ†’