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Insurance & Takaful

An insurance policy in a minute, sharper KYC, less fraud

A unified platform for motor, life, and health policy issuance. Auto-read NID, driver license, vehicle registration, and plate — fill the entire policy with no manual entry, plus digital signature and full FRA compliance.

FRA-aligned
AML / CFT controls
PDPL 151/2020
Mobile-first field
< 60s
Motor policy issuance
4-in-1
ID + license + car + plate
99.9%
Policy data accuracy
-65%
Issuance time reduced
01 Three pillars for insurance

What Egyptian insurers actually need

We collected requirements from major motor, life, and health insurers — three core pillars in one platform.

Most requested
Pillar 01

Motor Insurance (Compulsory + Comprehensive)

Customer presents NID + driver license + vehicle registration; the camera captures the plate. The system reads everything, computes the premium, and fills the policy in under a minute.

  • NID + driver license OCR
  • Vehicle registration OCR
  • ANPR Hub plate read
  • Vehicle photos + e-signature
Pillar 02

Field Agents & Brokers

Agents go to the customer's home or office. A mobile app scans every document via camera, sends JSON to the core system, and issues a policy in the field — seamlessly and consistently.

  • iOS / Android agent app
  • REST API returns JSON in < 400ms
  • Works offline, syncs later
  • Same KYC across branch, field, broker
Pillar 03

Claims & Fraud Prevention

At claim time, the system verifies claimant identity, matches vehicle data with the original policy, and binds attachments (police report, repair estimate, photos) into one ready-to-review file.

  • Instant claimant verification
  • Vehicle match with policy
  • Attach reports in a unified file
  • Audit trail for FRA reviews
02 Motor policy workflow

From 4 documents to an issued policy in under a minute

Instead of typing 30+ fields from 4 documents manually, SignMe reads them all and fills the policy in seconds.

Step 1

Customer NID scan

Officer scans NID via camera or reader. The system extracts name, NID, DOB, gender, and address in 3 seconds.

Step 2

Driver license

With the same camera, the driver license is auto-read. The system validates expiry and class — key inputs to risk and premium.

Step 3

Vehicle registration

OCR extracts vehicle data (model, year, color, registration class, owner) from the original registration.

Step 4

ANPR + vehicle photos

ANPR Hub reads the plate; the officer captures vehicle photos from all sides to assess condition at issuance.

Step 5

AML & sanctions screening

NID is screened against PEP, sanctions, and internal fraud lists before the policy proceeds.

Step 6

Premium + e-signature + issue

Premium is computed from extracted data; customer signs digitally on a tablet; policy is printed and recorded in the core system.

03 Unified policy file

4 data sources → 1 policy file

Each source feeds specific policy fields. The system merges everything into unified JSON, ready for the core insurance system or export to PDF / Excel.

National ID card
Full name, NID, gender, DOB, address, occupation.
Driver license
License no., class, issue/expiry — key risk inputs.
Vehicle registration
Model, year, color, class, owner — drive premium.
ANPR + vehicle photos
Plate + condition photos at issuance — ready for claim comparison.
policy_MTR-2026-04582.json
issued
{
  "policy_no":    "MTR-2026-04582",
  "product":      "motor_comprehensive",
  "customer": {
    "name":        "Mohamed Hassan",
    "national_id": "29809021234567",
    "dob":         "1998-09-02"
  },
  "driver_license": {
    "no":    "D-998877",
    "class": "private",
    "valid": true
  },
  "vehicle": {
    "plate": "ALI 7894",
    "model": "Toyota Corolla 2023",
    "color": "silver"
  },
  "premium_egp":  8420,
  "aml_check":    { "status": "clear" },
  "e_signature":  "verified"
}
04 Insurance products

Ready for every insurance product line in Egypt

Compulsory motor
Mandatory under Law 72/2007 — fast issuance and full compliance.
Comprehensive motor
Full assessment with vehicle photos + ANPR for accurate premium.
Health & medical
Insured + beneficiary KYC, medical card linking.
Life insurance
Insured + beneficiary verification, digital signature.
Property & home
Property and contents documentation with photos for valuation.
Commercial liability
Business policies, KYC for principals and partners.
Travel insurance
Fast issuance for travelers via passport MRZ.
Takaful (Islamic)
Sharia-compliant products with the same issuance speed.
05 Integrations

Works with your core insurance stack

REST API & SDKs in C# / Java / Python / Flutter — direct integration with policy, claims, CRM, and AML systems.

Sapiens / Guidewire
Global policy/claims cores
Insurity
Common motor/property platform
ANPR Hub
Plate read in 1 second
Microsoft D365 / CRM
Customer + agent management
AML / Sanctions APIs
World-Check, Dow Jones, FATF
e-Signature Platform
Legally-binding e-signature
Document Mgmt (DMS)
Document & report archive
FRA Reporting Hub
FRA compliance reporting
Compliance & Audit

Aligned with FRA and Egyptian regulatory law

Built for auditors before end users — so your firm passes FRA inspections smoothly.

FRA — Financial Regulatory Authority

Aligned with FRA rules for policy issuance, claims, and compliance reporting.

AML / CFT — Law 80/2002

PEP and sanctions screening pre-issuance, alerts on suspicious activity.

Compulsory motor — Law 72/2007

Full compliance with mandatory motor insurance requirements.

PDPL 151/2020

Customer data protected, local storage, AES-256.

e-Signature Law 15/2004

Policy digital signature legally binding.

Immutable audit trail

Every issuance or claim step fully documented.

06 Deployment patterns

Three deployment patterns for insurers

Pattern A

Main branches

Deploy in large branches with readers + cameras, integrated with the central policy system.

VMS Premium + FB10
Most common
Pattern B

Field agents

Mobile app per agent, works offline, issues policies at the customer's home, syncs when online.

SignMe Mobile App + API
Pattern C

Broker networks

API-only for your parent company; brokers integrate the API in their systems to ensure consistent KYC everywhere.

SignMe OCR API
We cut motor policy issuance from 18 minutes to under one, and data-error disputes dropped to nearly zero. FRA auditors find everything they request right in the system.
Director of Operations & Compliance
Major insurer — 40+ branches
Ready for your firm in Egypt

Faster policies, sharper data, less fraud

Book a 30-minute demo with our insurance team. We'll walk you through the motor policy flow, the field-agent app, and ready-to-go FRA reports.

FRA-aligned
AML / CFT
Mobile-first field
Local Arabic support