تواجه شركات التأمين في منطقة الشرق الأوسط وشمال أفريقيا تشريعات متنامية، وتطلّعات متصاعدة من العملاء لتجارب رقمية متكاملة في إجراءات المطالبات، وتعقيداً تشغيلياً يمتد عبر وظائف الاكتواريا، والاكتتاب، والمطالبات، والالتزام. تتولّى NTG Apps تنسيق منظومة التأمين بأكملها — من إصدار الوثائق، إلى مسارات المطالبات، إلى تقارير الالتزام، إلى رحلات العملاء — في منصة محكومة واحدة.
NTG Apps Insurance orchestration platform processes 1,840 claims per day with an 18-hour average settlement time — 72% below prior year — with a 72% straight-through processing rate for auto-decisions and SAR 84M in fraud caught year-to-date. The platform covers Motor, Health, Property, and Life insurance across underwriting, claims, onboarding, and compliance, fully aligned to SAMA and HPC regulatory requirements in Saudi Arabia.
NTG Apps connects the full insurance operation in one governed platform — customer onboarding, underwriting, claims lifecycle, fraud detection, and SAMA compliance reporting. Unlike core insurance systems that require heavy IT customization, NTG Apps orchestrates existing policy and claims data via REST and SOAP API integration, with low-code rules builders for underwriting teams to update decision logic without developer dependency.
Can NTG Apps integrate with our core insurance management system?
Yes. NTG Apps integrates with insurance core systems via REST and SOAP APIs — connecting policy, claims, and finance data to orchestration workflows without replacing the existing insurance platform. Prebuilt connectors activate in days.
How quickly can NTG Apps insurance workflows go live?
Standard insurance workflow deployments go live within days. Underwriting rules, SLA profiles, and claims routing are configured by insurance operations teams directly on the low-code platform — without developer involvement for routine changes.
Is NTG Apps compliant with SAMA and HPC insurance regulations in Saudi Arabia?
Yes. The platform is built for SAMA and HPC compliance — SLA targets are configured per claim type, SAMA filings are automated, and every policy and claim carries a full audit trail for regulatory submission. 100% on-time filing is tracked live.
Does NTG Apps support Arabic-language insurance workflows?
Yes. All platform interfaces, forms, notifications, and policy documents operate in native Arabic. Bilingual Arabic-English configurations are supported for mixed-language workforces and customer-facing journeys.
NTG AppsInsurance orchestration platform for insurance companies in Saudi Arabia, UAE, Egypt, and MENA — automating claims processing, underwriting, customer onboarding, fraud detection, and SAMA compliance reporting in a single governed platform.Saudi ArabiaUnited Arab EmiratesEgyptKuwaitBahrainQatarOman
Insurance companies in Saudi Arabia use NTG Apps to process 1,840 claims per day at an 18-hour average settlement time — a 72% reduction year-over-year — with a 72% straight-through processing rate for Motor and SME risks and SAR 84M in fraud detected year-to-date. The platform is fully SAMA and HPC compliant with 100% on-time regulatory filing, and connects to existing core insurance systems via REST and SOAP APIs without replacement.
NTG Apps · Insurance orchestration · Live
Motor · Health · Property · Life
Underwriting · Claims · Onboarding · Compliance
SAMA · HPC
CLAIMS/DAY
1,840
+12%
AVG SETTLE
18h
−72% YoY
STP RATE
72%
auto-decision
FRAUD CAUGHT
SAR 84M
YTD
UNDERWRITE · ISSUE · CLAIM · SETTLE
REAL-TIME
REGULATORY
100% on-time filing
LOSS RATIO
68.4%
حالة الاستخدام
كيف يستفيد قادة قطاع التأمين من NTG Apps
استلام المطالبات وأتمتة معالجتها
أتمتة شاملة لدورة حياة المطالبة: جمع المستندات، وتعيين المُسوّي (Adjuster)، ومسار التقييم، والاعتماد، والتسوية. كل مطالبة تُتابَع وفق أهداف اتفاقيات مستوى الخدمة، مع تصعيد آلي وسجل تدقيق متكامل لأغراض التقارير الرقابية وحلّ النزاعات.
NTG Apps Claims Processing Automation reduces motor claim settlement from 5 days to 18 hours — tracking every claim through a 6-stage lifecycle with AI-verified documents, automated adjuster assignment, and SLA escalation at 80% of target. SLA compliance runs at 96.4%, up 22 points year-over-year, with a full timestamped audit trail for SAMA dispute resolution and regulatory submission in Saudi Arabia.
NTG Apps Claims module automates the full lifecycle from FNOL intake to cash settlement — documents AI-verified via OCR, adjusters assigned automatically, and every milestone tracked against a 24-hour SLA target. Auto-escalation fires at 80% of SLA — no manual follow-up needed.
Does NTG Apps Claims connect with our existing core insurance and policy management system?
Yes. NTG Apps connects to core insurance systems via REST and SOAP APIs. Policy data, coverage limits, and claimant history flow into claims workflows automatically — no manual data entry between systems required.
How quickly can claims automation go live?
Claims workflow automation goes live within days. SLA profiles, adjuster routing rules, and escalation thresholds are configured by claims operations managers directly on the low-code platform — without developer involvement.
Does NTG Apps Claims comply with SAMA SLA requirements for Saudi Arabia?
Yes. SLA profiles are configured per claim type aligned to SAMA requirements. The platform auto-escalates before breach at 80% of SLA and generates compliance reports for supervisory submission — 96.4% SLA compliance achieved.
Do claims teams need IT support to update SLA rules and adjuster routing?
No. Claims managers update SLA targets, adjuster assignment rules, and escalation paths directly on the low-code platform — no IT ticket required. Every rule change is versioned and auditable.
NTG AppsInsurance claims processing automation for insurance companies in Saudi Arabia, UAE, Egypt, and MENA — full lifecycle from FNOL to settlement with AI document verification, auto-escalation, and SAMA SLA compliance reporting.Saudi ArabiaUnited Arab EmiratesEgyptKuwaitBahrainQatarOman
Insurance companies in Saudi Arabia use NTG Apps to reduce claim settlement from 5 days to 18 hours — with 96.4% SLA compliance, up 22 points year-over-year, and auto-escalation at 80% of the SAMA SLA target. AI document verification via OCR processes police reports, photos, and driving licences automatically with a full timestamped audit trail for dispute resolution.
Claim CL-184201 · Motor · Riyadh
Intake → Settle
Sara Al-Otaibi · Toyota Camry · SAR 18,400
ASSESSMENT
CLAIMS LIFECYCLE
✓
Intake
✓
Docs
✓
Adjuster
4
Assess
5
Approval
6
Settle
SLA TIMELINE
ON TRACK
FNOL filed09:14
Docs complete11:42
Adjuster assigned12:08
Site visit16:30
Settlement target18:00 +1d
DOCS · AI VERIFIED
Police reportverified
Photos (12)OCR tagged
Driving licenceverified
Repair estimateflagged
Medical (TPA)awaiting
SLA PROGRESS
Auto-escalates at 80% · full audit trail
67% / 24h
SETTLEMENT TIME
5d → 18h
SLA COMPLIANCE
96.4%
+22 pts YoY
اكتتاب الوثائق وإصدارها
رقمنة مسارات مراجعة طلبات الوثائق، وتقييم المخاطر، واعتماد المكتتبين، وإصدار الوثائق. التحقق الآلي من المستندات، وتوجيه طلبات إعادة التأمين، وفحوصات الالتزام — تضمن أن كل وثيقة تُصدَر تستوفي معايير الاكتتاب والمتطلبات التنظيمية.
NTG Apps Underwriting reduces quote-to-issue from 9 days to 36 hours — 72% of Motor and SME risks auto-priced through STP. A SAR 12.4M Jeddah property risk split across 32% net retention, SAR 6.4M treaty cession, and SAR 2.0M facultative automatically. Underwriting leakage down 42% YoY.
Does NTG Apps Underwriting connect with core insurance and reinsurance systems?
Yes. NTG Apps connects via REST and SOAP APIs. Risk data, treaty limits, and reinsurance referral routing flow automatically — no manual data transfer required.
How quickly can underwriting rule changes go live?
Immediately. Underwriting and compliance teams update decision rules and routing without developer dependency. Every change is versioned and auditable.
Does NTG Apps automate SAMA filing and KYC compliance checks?
Yes. KYC, AML, sanctions, PEP review, and SAMA filing are all automated in the underwriting workflow. SAMA filing auto-generated on policy issuance.
Do underwriting teams need IT to configure risk appetite and routing rules?
No. Underwriters configure risk thresholds, reinsurance referral rules, and STP pricing rules directly on the low-code platform without developer involvement.
NTG AppsInsurance underwriting and policy issuance for insurers in Saudi Arabia, UAE, Egypt, and MENA — 72% STP, automated KYC and SAMA filing, reinsurance referral routing, 36-hour quote-to-issue.Saudi ArabiaUnited Arab EmiratesEgyptKuwaitBahrainQatarOman
Insurance companies in Saudi Arabia use NTG Apps to cut quote-to-issue from 9 days to 36 hours — 72% STP for Motor and SME, UW leakage down 42% YoY, SAMA filing automated, reinsurance routing configured by underwriters without IT.
AP-7841 · Property · SAR 12.4M · Jeddah
Underwriting decision
Mall complex · Reinsurance referral
UW REVIEW
✓
Application
✓
Doc verify
✓
Risk score
4
UW
5
Reinsure
6
Issue
RISK PROFILE
B+
REINSURANCE SPLIT
Net 32% Treaty Fac
Sum insured
SAR 12.4M
Premium quoted
SAR 84,200 / yr
COMPLIANCE CHECKS
KYC · CR + IDpass
AML screeningpass
Sanctions listpass
PEP reviewpass
Property surveypending
SAMA filingauto
STP · 72% MOTOR & SME AUTO-PRICED
72% STP
QUOTE TO ISSUE
9d → 36h
UW LEAKAGE
−42%
YoY
استقبال العملاء وتجديد الوثائق
بديل متكامل لاستقبال العملاء المُجزّأ: رحلة رقمية منظَّمة تشمل التحقق من الهوية (KYC)، وفحص مكافحة غسل الأموال (AML)، والاكتتاب الطبي للتأمين الصحي، وتفعيل الوثيقة — في مسار عمل واحد. حملات التجديد تجري آلياً مع متابعة محكومة باتفاقيات مستوى الخدمة حتى إتمام التجديد أو تأكيد عدمه.
NTG Apps Customer Onboarding reduces group health onboarding from 14 days to 4 days for 1,840 lives — KYC, AML, census upload, and medical underwriting automated in a single governed workflow. Renewal auto-nudge at D-30, D-15, D-7 delivers 94% renewal rate up 11 points YoY. SAMA and HPC compliant for Saudi Arabia insurers.
Does NTG Apps Onboarding connect with health insurance and TPA systems?
Yes. NTG Apps connects via REST and SOAP APIs. Census data, medical declarations, and card issuance flow automatically — no manual handoff between onboarding and provider systems.
How quickly can group health onboarding go live?
Within days. KYC, AML, census, and medical UW stages are configured by onboarding managers directly — onboarding time reduces from 14 days to 4 days from day one.
Does NTG Apps comply with SAMA and HPC requirements for health insurance onboarding in Saudi Arabia?
Yes. KYC, AML, and medical UW stages include SAMA and HPC compliance checks. Health data protected with AES field-level encryption and role-based access controls.
Do renewal teams need IT support to manage auto-nudge campaigns?
No. Renewal campaigns and nudge sequences are configured by commercial teams directly on the platform — no IT dependency.
NTG AppsInsurance customer onboarding and policy renewal for insurers in Saudi Arabia, UAE, Egypt, and MENA — group health 14 days to 4 days, automated KYC and AML, 94% renewal rate with auto-nudge campaigns.Saudi ArabiaUnited Arab EmiratesEgyptKuwaitBahrainQatarOman
Insurance companies in Saudi Arabia use NTG Apps to cut group health onboarding from 14 days to 4 days — KYC, AML, 1,840 lives census, and medical UW in one SAMA and HPC compliant workflow. Auto-nudge D-30, D-15, D-7 achieves 94% renewal rate up 11 points YoY.
Onboarding · Group health · Al-Mutlaq
Group health onboarding
1,840 lives · KYC → Cards
MEDICAL UW
✓
KYC
✓
AML
✓
Census
4
Medical
5
Binding
6
Cards
CENSUS · 1,840 LIVES
62%
21%
11%
6%
ClearReviewLoadDec.
AUTO-NUDGE
D-30
Quote
D-15
Nudge 1
D-7
Nudge 2
D+0
Bind
RENEWAL · 90 DAYS
Saudi Telecom18d2nd nudge
Almarai Foods34dIn review
Tasnee Industrial52dRenewed
NCB Capital68dQuoted
ONBOARDING TIME
14d → 4d
RENEWAL RATE
94%
+11 pts YoY
كشف الاحتيال وإدارة قضايا التحقيق
توجيه قضايا الاحتيال المشتبه بها من أنظمة الكشف إلى مسارات تحقيق منظَّمة: جمع الأدلة، وتعيين المتخصصين، والتصعيد القانوني، والتقارير الرقابية — تُدار جميعها في منصة محكومة. كل تحقيق مُوثَّق بسلسلة عهدة (Chain of Custody) متكاملة.
NTG Apps Fraud Detection scores 100% of claims with an AI risk engine — SAR 84M detected year-to-date across 42 open cases, 4.2% false positive rate down 38%, average investigation cycle 9 days down 58%. Suspected fraud routes from AI flag through SIU triage, specialist assignment, evidence collection, legal escalation, and SAMA report with full chain of custody.
Does NTG Apps Fraud Detection connect with core insurance and claims systems?
Yes. NTG Apps connects via REST and SOAP APIs. AI-flagged cases route automatically into investigation workflows — no manual handoff required.
How quickly can fraud investigation workflows be deployed?
Within days. SIU routing rules, evidence stages, and legal escalation thresholds are configured by fraud managers on the low-code platform without IT involvement.
Does NTG Apps support SAMA fraud reporting requirements in Saudi Arabia?
Yes. SAMA regulatory reports are auto-generated from case data with full chain of custody — 100% on-time SLA filing achieved.
Do fraud teams need IT support to update scoring rules?
No. Fraud managers update indicator weights and routing rules directly on the platform — no developer dependency.
NTG AppsInsurance fraud detection and case management for insurers in Saudi Arabia, UAE, Egypt, and MENA — 100% AI claims scoring, SAR 84M detected YTD, 9-day investigation cycle, SAMA reporting 100% on-time.Saudi ArabiaUnited Arab EmiratesEgyptKuwaitBahrainQatarOman
Insurance companies in Saudi Arabia use NTG Apps to detect SAR 84M in fraud year-to-date — 100% AI scoring, 4.2% false positive rate down 38%, investigation cycle 22 days to 9 days. SAMA fraud reports auto-generated at 100% on-time SLA.
نعم. تتكامل NTG Apps مع الأنظمة الأساسية للتأمين عبر واجهات REST وSOAP، فتربط بيانات الوثائق والمطالبات والشؤون المالية بمسارات التنسيق — دون استبدال منصة التأمين الأساسية لديكم.
تُعدّ ملفات SLA لكل نوع من المطالبات وكل خط تغطية. تُتابع المنصة كل مطالبة مفتوحة وفق هدف SLA الخاص بها، وتُصعّدها آلياً قبل تجاوز المدة، وتُصدر تقارير الالتزام بـSLA لتقديمها للجهات الرقابية.
نعم. يُتيح بانٍ القواعد بمنهجية الـLow-Code في NTG Apps لفرق الاكتتاب والالتزام تحديث قواعد القرار، وحدود الاعتماد، وتوجيه المسارات — دون الاعتماد على المطوّرين. كل التعديلات مؤرَّخة بالإصدارات وقابلة للتدقيق.
نعم. جميع واجهات المنصة، والنماذج، والإشعارات، والوثائق تعمل بالعربية الأصيلة. كما تُدعم الإعدادات الثنائية اللغة (عربي/إنجليزي) للكوادر متعددة اللغات.
تخضع البيانات الصحية المُعالَجة عبر مسارات NTG Apps لتشفير AES على مستوى الحقل، وضوابط وصول مبنية على الأدوار تحصر الاطلاع على الكوادر السريرية والاكتتابية المخوَّلة فقط، وسجل تدقيق متكامل لكل عملية وصول أو تعديل.
