Services · Mobile app development · Insurance apps
Codeeo provides insurance app development Saudi Arabia carriers, brokers and administrators can launch nationally: policy sales and renewals, Nafath verified onboarding, claims with Najm references, medical approvals, premium payments through mada and SADAD, and e-invoices that meet ZATCA's rules. We plan each app around the Kingdom's insurance regulation and data protection law from the first workshop, so compliance shapes the design instead of delaying the launch.
Saudi policyholders are spread across a very large country, from the capital to the Red Sea coast, the Eastern Province and the south. A national app has to work the same for all of them, while letting your regional teams handle the local differences in networks, workshops and claim volumes. It also has to keep pace with the Financial Sector Development Program under Vision 2030, which continues to push insurers towards digital sales and service.
200+ companies servedFrom a first store to an ADX listed developer
What the app can include
The Saudi insurance market runs on a cooperative model under the Cooperative Insurance Companies Control Law, and it is now supervised by the Insurance Authority, which took over the role SAMA used to perform. Motor third party liability is compulsory for vehicles, and employers must provide health cover for their staff, so a large share of policies are bought because the law requires them. That makes speed, accuracy and verification more important than persuasion.
The building blocks below are the ones that recur in almost every national programme we scope. Several depend on shared national services, such as Nafath for identity, Najm for motor accidents, SADAD and mada for payments, and ZATCA's Fatoora platform for invoicing, so the app is as much an integration project as a design one. We plan which of them belong in the first release and which follow, based on where your customers and staff lose the most time today.
New customers verify their identity through Nafath, accept policy terms and give consent for each purpose their data is used for, with the record of consent stored against their profile as the Personal Data Protection Law expects. Returning customers sign in the same way, so passwords are not the weak point of your security.
Verified customers and consent records you can produce on request.
Quote, purchase and renewal of third party liability and comprehensive motor policies, using vehicle and driver data from the licensed national data services your company subscribes to, so customers type as little as possible and errors are caught early.
Policies issued on accurate data, with fewer endorsements later.
Employer portals for adding staff and dependants, member apps with digital cards and network search, and approval tracking, all designed around the national health insurance rules and the provider claims channels already in use. Bulk uploads handle large employers whose headcount changes every week.
One platform for employers, members and your medical team.
Motor claims capture the Najm or police report reference, medical claims link to the provider's request, and property claims attach the documents your adjusters need. Every claim shows its stage to the customer until payment.
Claim files that are complete from the first notice.
Premium collection through mada, Apple Pay, STC Bank or a SADAD bill, and claim payouts and refunds to a verified Saudi IBAN, reconciled automatically against each policy and claim in your finance system. Instant transfers through SARIE can be used where your bank supports them, so approved claims reach customers quickly.
Money in and out matched to the right record without manual work.
Tax invoices and credit notes for premiums, endorsements and cancellations, produced in the format the Fatoora platform validates and delivered to customers inside the app as well as stored for your audit trail.
Invoicing that keeps pace with the policies the app sells.
Separate interfaces and APIs for licensed brokers, agents and comparison platforms, each limited to the products and actions their licence and your agreements allow, with production and commission reporting for every channel. Partner quotes use the same rating rules as your direct channel.
Distribution partners selling your products under clear rules.
In app complaint submission with tracked stages and response deadlines, plus an internal console that gathers complaint, claim and service data in the shape your compliance team needs for regulatory returns and audits.
Complaints handled on time and reported from real data.
Right to left Arabic as the primary layout, English throughout, and optional languages for expatriate members, with content reviewed by your legal team so benefit and exclusion wording means the same in every language.
Customers across the Kingdom read their cover correctly.
Claim volumes, turnaround and complaint trends broken down by region, so managers in Riyadh, Jeddah, Dammam and the smaller branches see where workshops, hospitals or staff need attention.
A national view that still shows where local problems sit.
Who this is for
National insurance programmes in the Kingdom involve regulators, shared national platforms and several cities at once. Our team of 80+ works from Dubai, Riyadh and Karachi, so workshops can be held in person at our Riyadh office, while teams in other cities join by video. These are the four situations that reach us most often from organisations operating nationwide.
Each situation draws on the same building blocks listed above, but in a different order and with different users first. The scope we write for you reflects that order, so the first release solves the problem that brought you to us.
Many Saudi insurers run a customer app, a website and a broker portal built at different times by different suppliers. We consolidate them onto one platform with shared integration services, so a product change or a new regulatory requirement is implemented once rather than three times. Customers keep their accounts during the move. Reporting, analytics and release management move to the same platform, which reduces what your IT team has to support.
We sequence the migration so no channel goes dark.
A new product line, such as takaful family cover, travel, or SME packages, needs a channel ready on launch day in every city. We build a focused app or a product module inside your existing app, with the purchase flow, documents and claims for that product, and plan regulatory review time into the schedule. Sharia review steps for takaful products are built into the content approval process where your governance requires them.
Brokers and comparison platforms expanding beyond one city need integrations with several insurers, consistent quote presentation and clear disclosure. We build the customer app, insurer connectors and the internal tools to manage placements and commissions, with each insurer's rules isolated so one carrier's change does not break another.
Members in Riyadh, Jeddah, Dammam, Abha or Tabuk all need to find network providers near them and follow approvals in real time. We build member and provider tools that work the same everywhere, with network data maintained centrally and regional teams able to manage their own queues. Employers see their own staff only, and each region's team sees only the members and providers it manages.
Network accuracy matters more than any feature.
How we work together
National programmes often start with a fixed scope phase covering one product and the shared integrations, which become the foundation for everything after. A retainer then covers new products, regulatory changes and improvements. Insurers with several channels to run often prefer a dedicated team that joins their release governance and works alongside their own IT staff, with the same people staying on the programme from one year to the next.
Workshops for national programmes are held at our Riyadh office or at your head office there, while colleagues in other regions join by video. Estimates, milestones and changes are always agreed in writing before work on them starts.
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
Native or cross platform mobile apps, web portals, and a secure integration layer between the app and your core systems, hosted in a Saudi cloud region where your data classification or regulator expects it. Monitoring covers every national integration, so an outage at a payment or identity service is visible to your team at once.
01Mobile
02Data and cloud
03Marketing and tracking
The Insurance Authority, alongside data and cybersecurity regulators.
The Insurance Authority became the unified regulator for insurance, taking over the supervisory role SAMA previously held, and its rules cover how products are sold and serviced, including through digital channels. Data in the app falls under the Personal Data Protection Law, overseen by SDAIA, and security falls under the National Cybersecurity Authority's controls. Existing rules issued before the transfer generally remain in force until replaced, so we review the current set with your compliance team. Health insurance carries its own set of rules first issued by the Council of Health Insurance, and we confirm with your team which body currently administers each requirement you must meet.
Schedule a free consultation and get a written recommendation, with costs, before you commit to anything.
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