Manual queues
Every claim hits a human. Throughput is capped by headcount; SLAs slip; customers stop renewing.
Most Saudi insurance platforms still grind through manual claims, fragmented CCHI and Najm flows and broker spreadsheets. We engineer policy, claims and risk-scoring engines that auto-adjudicate the majority of cases, and present the rest to humans with the context they need to decide in minutes, not days.
We collect the applicant and asset data and verify identity through Nafath.
A rules engine scores the risk and prices the policy instantly.
Insurance-Authority-compliant policy, bound in seconds.
An Insurance-Authority-compliant policy is issued, e-signed and bound.
Quotes, risk scoring, underwriting, claims and policy issuance, a core engineered to the Insurance Authority’s standard, end to end.
The recurring patterns that drag down margin, customer experience and regulator confidence, and what we replace them with.
Every claim hits a human. Throughput is capped by headcount; SLAs slip; customers stop renewing.
Each integration handcrafted by one engineer who has since left. Failures are silent until volumes break.
No real-time signal on duplicate claims, suspicious networks or staged events. Losses accumulate quietly.
Brokers operate in WhatsApp and Excel. Policy data is stale by the time it lands in the underwriting system.
Rates set by gut and yesterday's table. Adverse selection eats margin; competitors with model-driven pricing win the good risks.
Regulators ask why a claim was denied; the system answers "see the analyst." That answer doesn't survive review.
Production modules we ship across health, motor and general-lines insurtech engagements.
Rules engine plus ML risk scoring that clears straight-through cases in seconds and routes the rest with full context for adjusters.
End-to-end CCHI message exchange, eligibility checks and pre-authorisation flows, wired into the patient and provider journey.
Real-time Najm integration for motor accident data, FNOL automation and structured handoff into the claims engine.
Calibrated risk models for underwriting and pricing, fed by Saudi-specific data sources and updated continuously.
Graph-based pattern recognition across claims, providers and counterparties. Flags networked fraud before payout.
One source of policy and claim truth for brokers, employers and members, with audit-grade activity trails.
No. NX is your technology partner. We design and build the insurance platform that you own, operate and white-label to your brand, rules and lines of business, we don’t sell insurance or run a product of our own.
Yes. We build and deliver the technical integration to each gateway. For the regulatory side we guide you and route your application to obtain the necessary approvals from every authority you want to connect to, then wire your platform the moment they’re granted.
It doesn't auto-approve them. The engine routes borderline cases to a human queue with full policy, prior-claims and clinical context attached, so adjusters spend their time on judgment rather than gathering evidence.
Yes. We architect the policy and claims model so health, motor and general lines share core infrastructure (audit, fraud, reporting) while line-specific rules and gateways are isolated and replaceable.
That's why the fraud layer scores, doesn't gate. Detected patterns are flagged with explainability, and the rule-tuning loop is engineered for the team to manage without needing engineering support.
The platform is built to the audit standard the Insurance Authority and CCHI both expect, immutable decision trails, traceable policy logic and access controls mapped to NCA ECC 1.0.
Tell us where claims, fraud and broker flow bottleneck today. We'll map the engine that clears them automatically, and the regulator-grade evidence that proves it.
We usually reply within one business day