AI Insurance Broker (Tameeni/Samama) for Saudi 2026: The Risk Calculator (Complete Technical Guide)

AI Insurance Broker (Tameeni/Samama) for Saudi 2026: The Risk Calculator

The Mandatory Market

In KSA, Car Insurance (TPL) and Health Insurance (Expats) are mandatory. Volume: Millions of policies renewed every year. Problem: Users want "Cheapest Price". Brokers want "Best Commission". Challenge: Quoting from 20 insurance companies (Tawuniya, Malath, Walaa) manually takes hours. AI does it in seconds.

This guide explains how Brokers in Riyadh use Custom AI Agents to win the aggregation war.

1. The Data Driven Premium

• Najm: The traffic accident database. Your "No Claim Discount" (NCD) depends on it.
• Elm: Provides vehicle data via Yakeen API.
• Dynamic Pricing: Insurers change prices daily based on risk appetite.

2. High-Value AI Workflows

Workflow A: The "Quote Aggregator"

Target: Sales.

Scenario: Customer enters ID + Car Plate.

1. Fetch: AI calls Yakeen (Car details) + Najm (Driver history).
2. Push: Sends risk profile to 20 Insurer APIs simultaneously.
3. Compare: Receives 20 quotes.
4. Rank: "Walaa is cheapest (SAR 800). Tawuniya offers better coverage (SAR 900)."
5. Present: Displays comparison to user.

ROI Impact: Quote time reduced from 2 hours to 10 seconds. Conversion up 500%.

Workflow B: The "CCHI Uploader"

Target: Health Compliance.

Scenario: Company renewing 500 Employee policies.

1. Validate: AI checks if employees are still under sponsorship (Muqeem).
2. Group: Groups by Age/Gender for better pricing.
3. Upload: Pushes policy data to CCHI (Council of Cooperative Health Insurance) portal.
4. Link: Updates Absher so visas can be renewed.

ROI Impact: Zero visa delays due to insurance lag.

Workflow C: The "Claims Assistant"

Target: Service.

Scenario: Car Accident.

1. Photo: User uploads photo of damage.
2. Estimate: Vision AI estimates repair cost. "Bumper dent: SAR 1,500."
3. Route: "Go to Workshop X in Sulaymaniyah. Approved."

3. Real-World Use Case: The Fleet Renewals

A Rental Car Company (1,000 cars).

• Pain: Expiry dates scattered throughout the year.
• AI: Calendar Monitor.
• Action: Groups renewals into weekly batches.
• Negotiation: "We have 50 cars expiring this week. Who gives best bulk rate?"
• Result: Saved 15% on premiums through bulk bargaining.

4. ROI Analysis

Case Study: Mid-Size Broker (Riyadh).

• Policies: 20,000 / year.
• Staff: 15 Agents on phone.
• Lost Sales: 40% (Customer found cheaper elsewhere while waiting).

With AI Insurance Broker:

• Speed: Instant quotes captured the "Impulse Buy".
• Staff: Agents focused on B2B Health deals (High margin).
• Revenue: Doubled to 40,000 policies.
• Net Benefit: SAR 3 Million / year.

5. Development Roadmap

Phase 1: The Engine (Weeks 1-4)

• Integration with Tameeni / Aggregator APIs.

Phase 2: The Optimizer (Weeks 5-8)

• NCD (No claim discount) verification logic.

Phase 3: The Claim (Weeks 9-12)

• Automated claims filing bot.

6. Technical Stack

• API: Najm / Yakeen (Elm) keys are mandatory.
• Security: SAMA Cybersecurity Framework compliance.
• Lang: .NET 8 for high-performance transaction processing.

7. Cost of Development

• Tier 1 (Quote Engine): $35k.
• Tier 2 (Free Zone Setup Dubai 2026: Automating Company Formation (Complete Technical Guide)">Corporate Health): $60k.
• Tier 3 (Full Broker enterprise chatbot (via 24/7 support)): $110k+.

Conclusion: Safety in Numbers

Insurance is about data. The one with the best data wins.

Insure Intelligently.

Contact InsurTech AI Team