Insurance and reinsurance, connected on one platform.
Insurance Gulf is a Dubai-based insurtech company. We co-create insurance products with insurers and reinsurers, then take them to market through brokers, agents and aggregators across the UAE and the wider MENA region.
Four programmes underwritten by leading UAE insurers
We sit between risk capacity and distribution.
Global reinsurers and regional insurers bring the capacity. Brokers, agents and aggregators bring the customers. We build and run the products that connect them.
Nine services, one partner.
Use the full stack or pick the services you need. Everything plugs into existing insurer and broker systems.
Product development and ideation
- Individual and group insurance products
- Market analysis and positioning
- Customisation to client requirements
Underwriting and risk assessment
- Technology-enabled underwriting
- Risk evaluation and portfolio management
- Underwriting frameworks and guidelines
Reinsurance solutions
- Collaboration between insurers and reinsurers
- Treaty and facultative support
- Pricing validation and actuarial coordination
Actuarial and pricing
- Product pricing and rate development
- Portfolio profitability analysis
- End-to-end pricing models and reviews
Digital distribution and broker enablement
- Platforms for brokers and partners
- Quote-to-bind in one flow
- Sales and policy issuance tools
Policy administration
- Full policy lifecycle management
- Member enrolment and servicing
- Renewals and endorsements
Four programmes, four insurer partners.
Each programme is designed and run by Insurance Gulf and underwritten by a leading UAE insurer.
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Beyond health: what comes next.
New lines in development with our insurer partners, plus DigiPay, premium funding and exclusive products for TPAs.
Group life
Employer-sponsored life cover that protects employees and their families.
Motor
Comprehensive motor insurance tailored for Chinese vehicle brands.
Cyber
Protection for businesses against evolving cyber risks.
Travel
Protection for regional and international travellers.
Trusted by the brokers who place the risk.
Our products reach clients through leading global and regional brokers and the UAE's main online aggregators.
Every partnership starts with trust.
A signed NDA comes before any information changes hands. From there, we move step by step to launch.
NDA first
A signed NDA comes before any information is shared, so every partnership starts in confidence.
Secure assessment
Portfolio and market data are collected and reviewed securely to size the opportunity.
Design and pricing
Product, underwriting guidelines and pricing are built together with the risk carrier.
Launch and run
We take the product to market and manage distribution, administration and claims day to day.
Have a product idea or a portfolio to grow?
Talk to us about co-creating your next insurance product for the UAE and MENA.