Services · Mobile app development · Insurance apps
Codeeo handles insurance app development Riyadh insurers, brokers and corporate buyers can hand to customers and staff: policy purchase and renewal, Nafath sign in, claims intake, approval tracking and group medical administration in one app connected to your core system. Riyadh is where most head offices and the Insurance Authority sit, so product, compliance and IT sign off here, and part of our team of 80+ works from the city alongside them.
Insurance mobile app development Riyadh customers judge harshly: a slow quote, a lost claim photo or a login that fails at a hospital desk ends up in the store reviews within a day. An insurance app earns its place when it cuts calls to your contact team and gets claims paid with fewer handoffs, so we design for the policyholder who wants an answer on a phone, and for the underwriter, claims handler and account manager who need clean data behind it.
200+ companies servedFrom a first store to an ADX listed developer
What the app can include
Riyadh's insurance work splits into two heavy streams. The first is corporate: the ministries' contractors, banks, retailers and holding companies with offices along Olaya Street, King Fahd Road and the King Abdullah Financial District, buying group medical, motor fleet and property cover through brokers. The second is retail: residents of a city built around the car, who renew motor policies, file accident claims and check whether a hospital is in network.
The features below cover both streams. We pick a first release around the request that costs your Riyadh operation the most staff time today, usually member additions for HR teams or claim status for motor customers, and plan the rest for later releases. Every feature reads from and writes to your policy administration system, so the app never becomes a second source of truth that someone has to reconcile at month end.
A portal and app where a Riyadh employer's HR officer adds new joiners, removes leavers, upgrades classes and downloads member cards, with each change routed to your underwriting queue. Iqama and border numbers are validated on entry, and dependants sit under the right employee.
Member changes arrive complete, without spreadsheets passed between HR and the broker.
A guided flow that pulls vehicle details through the licensed data services your company already uses, shows comprehensive and third party liability options side by side, and issues the policy after payment through mada, Apple Pay or a SADAD bill. Pricing rules stay in your rating engine, so underwriters change them without a new app release.
A motor policy bought in minutes, with no paper and no branch visit.
Customers attach the Najm or traffic police report reference, upload photos of the damage and pick an approved workshop in their part of the city, from Al Malqa in the north to Al Aziziyah in the south. The claims team receives a file that is ready to assess.
Fewer motor claims stalled for a missing document.
Login and policy acceptance through Nafath, so the person buying or claiming is verified against the national identity platform rather than a password and an SMS code alone. Session rules and step up checks are set by your security team. Corporate users can sign in the same way, with their company account linked to the policies they manage.
Verified customers and a clear audit trail for every policy action.
Account managers at Riyadh brokerages see each corporate client's policies, renewals due, open claims and pending endorsements in one view, and can request quotes from your underwriters with the census data attached.
Brokers spend their time on clients instead of chasing status by email.
Members see whether a pre approval from their hospital is pending, accepted or declined, with the reason in plain Arabic and English, and get a notification the moment it changes. A network finder lists in network hospitals and clinics by district.
Fewer calls from members waiting at a hospital desk.
Riyadh's group medical members include Saudi staff and expatriate employees from South Asia, the Philippines and elsewhere. Beyond Arabic and English, we can add further languages for member screens such as network search, card download and approval status, while policy wording stays in the languages your legal team approves.
Members understand their cover without asking HR to translate it.
Timed reminders before a motor or medical policy lapses, a one tap renewal with updated terms, and instalment reminders where your products allow them. Each message is logged against the policy record.
Higher renewal rates without extra outbound calls.
An internal console showing complaints, claim turnaround, consent records and data access logs, filtered by product and channel, so the compliance team in head office can answer a regulator's request from records rather than estimates.
Regulatory questions answered from data the app already holds.
Tax invoices for premiums and endorsements generated in the format ZATCA's Fatoora platform expects and sent to the customer in the app, connected to your finance system rather than produced by hand.
Invoices that match the policy and pass ZATCA validation.
Who this is for
Riyadh hosts the head offices of many cooperative insurers, the larger brokerages and the regulators they answer to. That concentration means decisions about an app involve more people than in most cities: product, actuarial, IT security, compliance and sometimes the board. We plan for that from the first meeting, with workshops held in person at our Riyadh office or yours, and a scope that each of those functions can review in writing.
The four situations below are the ones that reach us most often from the capital. Each starts from a different system and a different user, which is why we scope them separately rather than offering one template app.
Many insurer apps were built years ago as a thin layer over a website, and customers rate them accordingly. We review what the current app does, which core system calls it makes, and where customers drop out, then rebuild the flows that matter most first: purchase, claim and approval tracking. Existing customers keep their login and history, and the store listing keeps its reviews.
We migrate users rather than asking them to register again.
Brokers placing group medical and fleet cover for companies in the capital juggle several insurers' portals and a lot of email. A broker app gives your account managers one place for client policies, renewals and claims, and gives each client's HR team a self service view. Insurer integrations are added one at a time, starting with the carriers you place most business with. Commission and production reports for your management sit in the same platform.
TPAs sit between insurers, providers and members, so their apps have to show each party only what it should see. We build member, provider and adjuster views on one platform with strict role permissions, and connect approval decisions to the systems hospitals in Riyadh already use for eligibility and claims submission. Reviewers get a queue sorted by urgency, so a request from a patient already admitted is never stuck behind routine dental claims.
Holding companies and contractors with thousands of employees often want a branded benefits app rather than relying on each insurer's. We build it so staff see their medical class, network and dependants, while HR handles additions and deletions in bulk and the broker receives clean changes.
Useful when staff are covered by more than one insurer.
How we work together
Most Riyadh clients begin with a fixed scope first release, usually a customer app with purchase and claims, then keep a retainer for the regulatory changes and product launches that follow every year. Insurers running several apps at once, such as a retail app, a broker portal and a provider portal, sometimes prefer a dedicated team that sits with their IT department and follows its release calendar.
Whichever model you choose, the same people stay on your account from discovery to release, the Riyadh members of the team remain your first point of contact, and every estimate, milestone and change request is written down before work on it begins.
A defined build with a deadline
We agree what the product has to do, write it down with a price and a date, and build exactly that. Changes are priced before they are made, not discovered on the invoice.
A product that keeps evolving
Named engineers who work your hours, join your standups and stay on the codebase. You direct the backlog; we own the quality of what ships.
Something live that needs looking after
A monthly block of hours for improvements, fixes and the small requests that otherwise wait months. Unused hours carry for a quarter.
Technology
We use stacks your IT department can support after handover, typically native or cross platform mobile with a secure API layer, hosted in a Saudi cloud region when your data classification requires it.
01Mobile
02Data and cloud
03Marketing and tracking
It depends mostly on the core system and the approvals around it.
The design and build of the app itself are rarely the slow part. Timing is driven by how quickly your policy and claims platforms can expose the data the app needs, how many internal committees must approve the release, and whether the first version covers one product line or several. We set the plan after discovery and write each milestone down, so your Riyadh stakeholders know what is due and when.
Schedule a free consultation and get a written recommendation, with costs, before you commit to anything.
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