Our Products

Our salient product named "TOSHFA" is to manage Medical Insurance Operations. TOSHFA is deployed by major insurance companies in Middle East and African regions since its more User Friendly, Robust, Secure, Accurate and Flexible. TOSHFA comprises various modules for the stakeholders such as Insurance Company, Hospital, Corporate Client, Reinsurance treaties and members that are involved in medical insurance sector. TOSHFA provides very user friendly interfaces to its users in order to perform and process several operations such as Underwriting, Policy administration, Approvals & Claims, Accounts and Reports maintenance as well as maintains the standardized and accurate data.

Our Software solutions cater the various business categories of general insurance covering marine cargo, marine hull, motor, travel, fire, engineering, aviation, property, Group & Individual Health Insurance, individual life, group life, broker/agent management. The General Insurance specific solution named “LIMRA” is flexible, robust and user friendly that allows easy customized policy setup, rating & underwriting, claims, reinsurance, accounting with easy multiple currency transactions and reporting generation for various business customers. We help the clienteles business achieve uniformity and integrity, curtail the operational cost and have a significantly reduced system maintenance costs.

LIMRA is extremely capable in handling the various facets that involve Financial accounts Payables and Receivables, Reconciliation, Reports & MIS, Financial and Management Assessment, Customer Administration managing application Processing, customer Verification, Underwriting, Policy Statement Insurance policies/ Certificate Printing, Payment Processing, Billing & Payment. It also covers Policy Administration, Endorsement, Query Management, Policy Cancellation and Renewal, Renewed Policy Issue and Delivery, Prospectus or Statement Issue and Delivery.

LIMRA aids in management of underwriting quotation, proposal, policy conditions, loading, discounts, deductibles for product section, endorsements, renewal processing; entry, processing and settlement of claims; helps setup of proportional and non-proportional treaties under reinsurance module by defining their treaty limits on the sum insured in percentages/ flat amount. The reporting module allows the generation of reports of underwriting, claims, and policy premium calculations, accounts, reinsurance process related to reports for various lines of business and for different clients with personalization. We bring a whole variety of insurance claims processing solutions to help clients manage claims efficiently with billing and payment processing.

Our Claims Management Services provides efficient initiation of emergency and repair services, automated adjudication, skills and rules based routing, automated claims profiling and process driven review, settlement and subrogation which includes monitoring and escalation of differed work items. We provide a comprehensive interoperable, robust, user friendly Solution named “TOSHFA” to manage health insurance. The system creates a brand by personalization and helps to resolve the major interoperability managerial challenges of faced by Insurance market in various countries that use disparate and fragmented IT systems.