A Unified Underwriting Workbench
Built for UAE Medical

Census, TOBs and claims — read in minutes, with a source behind every number.

underwriting.ae
Case fileBenefitsClaimsIndication
case UW-2481 · Cat A–C
Files5
Filter files
  • census_2026.xlsx
  • TOB_QIC_CatA.pdf
  • TOB_QIC_CatB.pdf
  • claims_DHA_24m.xlsx
  • renewal_notice.pdf
107 fields
TOB_QIC_CatA.pdf
3 categories detected
TOB
Benefit grid
4,102 lives
census_2026.xlsx
standardised
CEN
Pricing input
24 months
claims_DHA_24m.xlsx
reconciled
CLM
Burning cost
Outputs4
Filter outputs
  • Pricing sheet.xlsx
  • Standard TOB.docx
  • Renewal pack.pdf
  • Audit log.log
Reads the formats the UAE market sends
QICDamanOrientADNICLivaSukoonNASNextCareMedNetNeuron
Format compatibility, not endorsement.
Use cases

Take control of the case file

The manual work of a medical desk, automated end to end.

Extract any TOB

Any insurer, digital or scanned — 107 benefit fields per category, in about a minute.

TOB_QIC.pdf
scanned
Extract verbatim
Map networks
Fill declared defaults
107fields / category

Standardise any census

Broker files in any layout become your pricing template — no retyping.

Clean & map columns
Validate members

Reconcile the claims file

DHA reports tied out — burning cost and loss ratio computed at render, never hardcoded.

claims_DHA.xlsx
24 months
Reconcile to DHA
Apply IBNR
412AED PMPM

Reprice the renewal book

Expiring versus proposed with movers flagged — touch the ten that need judgment, not the two hundred that don't.

Al Noor Trading — flat
Gulf Star LLC — +18% claims
Marina Foods — flat
Delta Logistics — 3 movers
Oasis Clinics — flat
Benefits

Extract. Explain.
Underwrite.

  • Every number carries its source
  • Named rules — deterministic, versioned
  • Every edit logged on the record
  • The judgment stays yours
60s
per TOB, extracted
MINMAX
How it works

One desk. Three files. Zero retyping.

XLS
census_2026.xlsx
4,102 lives · standardised
PDF
TOB_QIC_CatA-C.pdf
3 categories · scanned
XLS
claims_DHA_24m.xlsx
24 months · reconciled
1

Unified intake

Census, TOB and claims land in one case file.

  • Any insurer format
  • Digital or scanned PDFs
  • Batch upload

Unified rules

Your market, encoded — taxonomies, networks, declared defaults.

  • DHA & DoH taxonomies
  • Your network mappings
  • Defaults declared, never silent
2
Rules applied 3 of 3
R-07NextCare GN+ → Diamond (your mapping)
R-12Pre-existing not stated → Fully covered
R-21"Worldwide" → WW incl. USA & Canada
XLS
Pricing_input.xlsx
ready for rating
DOC
Standard_TOB.docx
house template
LOG
audit_trail.log
every value · every edit
3

Unified output

Case-ready files your team already uses.

  • Excel & Word export
  • Burning cost, flags, PMPM
  • Full audit trail
Security & compliance

Trusted by design, hosted in the UAE

Nothing leaves the country. Nothing trains a model. Everything is on the record.

UAE data
residency
MFA & role-based
access
Full audit
trail
Never training
data
Aligned with UAE health-data residency law (Federal Law No. 2 of 2019) and DHA / DoH mandates.

Stop retyping. Start underwriting.