Insurance Claims Management Software for Operators in Dubai and the UAE

Six connected capability areas: (1) Structured FNOL capture across phone, email, broker portal, WhatsApp, and web. (2) Multi-SLA tracking with automated escalation on PD-05-2025, carrier, and corporate clocks. (3) Adjuster and surveyor workbench for assignment, evidence intake, and policy-wording reconciliation. (4) Reserve management with decision history and variance tracking. (5) Client and broker communication with status-update automation. (6) Sanadak-ready audit trail captured continuously per claim.

Around those six, most operators also want: photo and video evidence management, integration with payment gateways for settlement release, and a reporting layer feeding the firm's ERP and reinsurance accounts.

Guidewire ClaimCenter is a tier-1 P&C claims platform; FINEOS is a life and disability specialist; Snapsheet focuses on motor photo-based claims; ClaimCore handles specialty and Lloyd's claims. These are established platforms with deep global capability, typically deployed at larger carriers.

Custom claims software is designed to sit alongside whichever of these a firm already runs, closing gaps that matter for UAE reality - PD-05-2025 SLA tracking native rather than bolted on, Sanadak audit trail structured from day one, Arabic claimant communication, integration with local loss adjusters and surveyors, and multi-channel FNOL including WhatsApp capture common in UAE consumer channels.

PD-05-2025 from the Dubai Health Insurance Corporation sets specific electronic claim and authorisation timelines with delay-fee mechanisms. Per claim, the platform tracks each applicable regulatory clock against its threshold and escalates before breach.

Delay-fee exposure is surfaced at portfolio level continuously so finance and operations see risk as it accrues, not when fees land. For claims where PD-05-2025 applies alongside carrier service commitments and corporate client SLAs, all three clocks run in parallel with breach-priority routing.

Sanadak is the MENA region's first independent ombudsman for banking and insurance disputes, with mandatory pre-court referral for retail disputes as of 2024 and 2025. Defending a position at Sanadak requires a continuous decision trail - reserve history, adjuster findings, policy wording applied, and client communications.

The platform captures this trail as a by-product of normal operations. Sanadak referral becomes an export rather than a week-long documentation assembly exercise. The trail is continuous whether the claim ends in settlement, denial, or complaint.

Yes. Claim type is a first-class concept with type-specific workflow, policy-wording interpretation rules, reserve logic, and vendor orchestration. Motor with photo-based triage, medical with pre-authorisation integration, property with surveyor workflow, marine with cargo and hull variants, and specialty with binder authority context all coexist in one platform.

Cross-type reporting is preserved at portfolio level for reinsurance accounting, loss ratio tracking, and leadership dashboards.

Adjuster and surveyor assignments are orchestrated with clear scope, deliverables, and SLA. Evidence intake is structured - photos, reports, wording interpretation, reserve recommendations - rather than loose email attachments. Reconciliation against policy wording is captured per report with handler override and rationale.

Firms like Crawford and other loss adjusters active in the UAE typically deliver reports in standard formats that the platform ingests and structures into the claim record.

Here's where custom claims software typically sits in a wider stack.

Core claims platforms - we sit alongside Guidewire ClaimCenter, FINEOS Claims, Snapsheet, ClaimCore, and Insurity ClaimsXPress for core claim records and reserve accounting.

Loss adjusters and survey vendors - we integrate with Crawford, Cunningham Lindsey, Charles Taylor, and local surveyor networks for evidence intake and report reconciliation.

Payment and communication - we connect with banking partner APIs for settlement release and with SMS, email, and WhatsApp gateways for claimant and broker updates.

Integration approach is scoped during discovery. We don't ask you to rip and replace anything that works.

Discovery runs four to six weeks. Working with your claims, FNOL, adjuster, and compliance teams, we map current SLA landscape, vendor orchestration practice, Sanadak trail capture, and reporting cadence. Output is a detailed report covering current-state map, platform architecture, integration scope, phased implementation plan, and fixed-price build proposal.

Build for a core claims platform runs twelve to sixteen weeks from discovery completion. Multi-line rollout with full vendor network integration phases in over six to twelve months.

Pricing varies by claim volume, line mix, and vendor network complexity. A bracket isn't published; discovery produces a fixed-price proposal with no obligation to proceed.